The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,948,280 68,594 SH   SOLE   44,667 0 23,926
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   10,788,113 202,214 SH   SOLE   134,195 0 68,018
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,994,510 92,818 SH   SOLE   60,274 0 32,542
AMGEN INC COM 031162100   287,944 1,297 SH   SOLE   1,296 0 0
APPLE INC COM 037833100   2,523,247 13,008 SH   SOLE   6,428 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,071,240 4 SH   SOLE   4 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   8,134,789 365,444 SH   SOLE   252,831 0 112,612
COHEN & STEERS QUALITY INCOM COM 19247L106   1,841,805 158,776 SH   SOLE   122,689 0 36,086
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   5,133,373 209,697 SH   SOLE   131,023 0 78,672
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   913,621 19,694 SH   SOLE   14,988 0 4,706
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   505,714 18,627 SH   SOLE   18,626 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   3,158,195 118,998 SH   SOLE   76,042 0 42,954
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   422,283 12,240 SH   SOLE   10,522 0 1,717
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   12,349,580 375,939 SH   SOLE   263,823 0 112,115
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   615,245 26,225 SH   SOLE   19,221 0 7,003
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   2,659,767 112,037 SH   SOLE   68,629 0 43,408
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   877,502 19,002 SH   SOLE   16,404 0 2,596
EXXON MOBIL CORP COM 30231G102   336,980 3,142 SH   SOLE   2,175 0 967
FARMLAND PARTNERS INC COM 31154R109   1,526,482 125,019 SH   SOLE   80,327 0 44,692
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,532,901 33,749 SH   SOLE   26,986 0 6,763
HEARTLAND FINL USA INC COM 42234Q102   647,643 23,238 SH   SOLE   0 0 23,238
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   625,060 25,235 SH   SOLE   0 0 25,234
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   614,274 25,227 SH   SOLE   0 0 25,226
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   593,853 25,260 SH   SOLE   0 0 25,259
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   2,397,636 51,629 SH   SOLE   41,395 0 10,233
ISHARES TR MSCI USA MMENTM 46432F396   1,924,058 13,338 SH   SOLE   11,050 0 2,287
ISHARES TR EAFE VALUE ETF 464288877   2,230,251 45,571 SH   SOLE   41,481 0 4,089
ISHARES TR CORE MSCI EAFE 46432F842   4,689,963 69,481 SH   SOLE   46,497 0 22,983
ISHARES TR COHEN STEER REIT 464287564   2,861,974 51,502 SH   SOLE   34,140 0 17,362
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   623,656 12,543 SH   SOLE   10,721 0 1,821
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   9,696,499 214,524 SH   SOLE   147,241 0 67,282
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,195,078 263,165 SH   SOLE   182,156 0 81,007
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,715,658 49,081 SH   SOLE   37,797 0 11,283
MERCK & CO INC COM 58933Y105   218,433 1,893 SH   SOLE   895 0 998
META PLATFORMS INC CL A 30303M102   977,741 3,407 SH   SOLE   107 0 3,300
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   301,221 35,231 SH   SOLE   0 0 35,230
PACER FDS TR METAURUS CAP 400 69374H436   1,107,068 34,755 SH   SOLE   23,075 0 11,680
PIMCO ETF TR ACTIVE BD ETF 72201R775   237,922 2,597 SH   SOLE   2,268 0 328
PROSHARES TR INVT INT RT HG 74347B607   1,357,573 18,646 SH   SOLE   13,928 0 4,717
S&P GLOBAL INC COM 78409V104   2,780,974 6,937 SH   SOLE   150 0 6,787
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   313,088 4,311 SH   SOLE   2,741 0 1,569
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,680,912 47,150 SH   SOLE   32,788 0 14,362
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   270,859 5,172 SH   SOLE   0 0 5,172
SCHWAB STRATEGIC TR US REIT ETF 808524847   430,194 22,027 SH   SOLE   20,353 0 1,673
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   397,097 12,298 SH   SOLE   1,188 0 11,109
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,491,065 52,036 SH   SOLE   47,278 0 4,757
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,437,363 42,563 SH   SOLE   35,448 0 7,115
SHP ETF TRUST NEOS S&P 500 HI 78433H303   1,102,852 22,217 SH   SOLE   14,900 0 7,317
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   497,453 5,016 SH   SOLE   4,504 0 511
SPDR S&P 500 ETF TR TR UNIT 78462F103   647,555 1,461 SH   SOLE   1,460 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   8,109,181 304,513 SH   SOLE   191,284 0 113,228
SYNTAX ETF TR STRATIFD LRG CAP 87166N106   16,567,258 242,938 SH   SOLE   170,447 0 72,491
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,292,707 3,174 SH   SOLE   3,174 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   231,877 1,558 SH   SOLE   1,558 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,959,208 8,894 SH   SOLE   8,068 0 826
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   422,393 10,383 SH   SOLE   9,570 0 812
VANGUARD STAR FDS VG TL INTL STK F 921909768   604,318 10,776 SH   SOLE   10,776 0 0
VISA INC COM CL A 92826C839   266,211 1,121 SH   SOLE   1,120 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   376,354 13,465 SH   SOLE   10,006 0 3,458