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
OMB Number: 3235-0006
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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
AMAZON COM INC COM 023135106   650,970 3,369 SH   SOLE   0 0 3,369
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   320,332 5,098 SH   SOLE   0 0 5,098
AMERICAN CENTY ETF TR US SML CP VALU 025072877   13,438,767 149,785 SH   SOLE   0 0 149,785
APPLE INC COM 037833100   1,151,012 5,465 SH   SOLE   0 0 5,465
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   499,551 1,228 SH   SOLE   0 0 1,228
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   364,004 11,888 SH   SOLE   0 0 11,888
CHEVRON CORP NEW COM 166764100   853,164 5,454 SH   SOLE   0 0 5,454
CONOCOPHILLIPS COM 20825C104   445,441 3,894 SH   SOLE   0 0 3,894
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,406,360 33,856 SH   SOLE   0 0 33,856
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   2,140,876 59,568 SH   SOLE   0 0 59,568
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   578,171 19,487 SH   SOLE   0 0 19,487
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,016,931 31,543 SH   SOLE   0 0 31,543
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   12,208,227 310,879 SH   SOLE   0 0 310,879
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,276,882 237,631 SH   SOLE   0 0 237,631
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,743,426 33,611 SH   SOLE   0 0 33,611
EXXON MOBIL CORP COM 30231G102   5,293,915 45,986 SH   SOLE   0 0 45,986
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,865,917 41,528 SH   SOLE   0 0 41,528
INVESCO QQQ TR UNIT SER 1 46090E103   514,209 1,073 SH   SOLE   0 0 1,073
ISHARES INC CORE MSCI EMKT 46434G103   30,949,272 578,167 SH   SOLE   0 0 578,167
ISHARES TR CORE 1 5 YR USD 46432F859   288,067 6,081 SH   SOLE   0 0 6,081
ISHARES TR CORE MSCI EAFE 46432F842   4,897,218 67,418 SH   SOLE   0 0 67,418
ISHARES TR CORE MSCI INTL 46435G326   1,348,240 20,540 SH   SOLE   0 0 20,540
ISHARES TR CORE S&P MCP ETF 464287507   1,669,666 28,532 SH   SOLE   0 0 28,532
ISHARES TR CORE S&P500 ETF 464287200   123,054,955 224,868 SH   SOLE   0 0 224,868
ISHARES TR EAFE GRWTH ETF 464288885   42,797,448 418,352 SH   SOLE   0 0 418,352
ISHARES TR EAFE SML CP ETF 464288273   549,610 8,916 SH   SOLE   0 0 8,916
ISHARES TR EAFE VALUE ETF 464288877   44,422,678 837,531 SH   SOLE   0 0 837,531
ISHARES TR MSCI EAFE ETF 464287465   2,253,957 28,775 SH   SOLE   0 0 28,775
ISHARES TR MSCI EMG MKT ETF 464287234   3,650,527 85,713 SH   SOLE   0 0 85,713
ISHARES TR RUS 2000 VAL ETF 464287630   4,085,303 26,824 SH   SOLE   0 0 26,824
ISHARES TR RUSSELL 2000 ETF 464287655   1,590,088 7,837 SH   SOLE   0 0 7,837
ISHARES TR S&P 500 GRWT ETF 464287309   298,927 3,230 SH   SOLE   0 0 3,230
ISHARES TR S&P 500 VAL ETF 464287408   5,166,387 28,385 SH   SOLE   0 0 28,385
ISHARES TR USD INV GRDE ETF 464288620   921,887 18,361 SH   SOLE   0 0 18,361
MCDONALDS CORP COM 580135101   763,870 2,997 SH   SOLE   0 0 2,997
MCKESSON CORP COM 58155Q103   210,255 360 SH   SOLE   0 0 360
MICROSOFT CORP COM 594918104   1,351,832 3,025 SH   SOLE   0 0 3,025
NVIDIA CORPORATION COM 67066G104   421,395 3,411 SH   SOLE   0 0 3,411
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   207,754 2,241 SH   SOLE   0 0 2,241
PIMCO ETF TR INTER MUN BD ACT 72201R866   5,367,608 103,104 SH   SOLE   0 0 103,104
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   6,698,667 191,225 SH   SOLE   0 0 191,225
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   1,200,964 17,929 SH   SOLE   0 0 17,929
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   419,107 7,630 SH   SOLE   0 0 7,630
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   441,825 11,498 SH   SOLE   0 0 11,498
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   329,768 5,245 SH   SOLE   0 0 5,245
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   243,661 3,133 SH   SOLE   0 0 3,133
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   31,347,317 310,857 SH   SOLE   0 0 310,857
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,050,368 94,167 SH   SOLE   0 0 94,167
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,674,784 72,913 SH   SOLE   0 0 72,913
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   551,290 11,617 SH   SOLE   0 0 11,617
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,785,608 5,119 SH   SOLE   0 0 5,119
SPDR SER TR PORTFOLIO S&P600 78468R853   1,066,512 25,680 SH   SOLE   0 0 25,680
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,380,065 30,392 SH   SOLE   0 0 30,392
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   483,510 5,583 SH   SOLE   0 0 5,583
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   243,632 3,176 SH   SOLE   0 0 3,176
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,231,529 19,145 SH   SOLE   0 0 19,145
VANGUARD INDEX FDS GROWTH ETF 922908736   92,297,096 246,774 SH   SOLE   0 0 246,774
VANGUARD INDEX FDS MID CAP ETF 922908629   81,273,363 335,696 SH   SOLE   0 0 335,696
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   210,799 2,516 SH   SOLE   0 0 2,516
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,038,498 4,076 SH   SOLE   0 0 4,076
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,153,078 61,086 SH   SOLE   0 0 61,086
VANGUARD INDEX FDS SMALL CP ETF 922908751   18,126,915 83,099 SH   SOLE   0 0 83,099
VANGUARD INDEX FDS TOTAL STK MKT 922908769   611,712 2,286 SH   SOLE   0 0 2,286
VANGUARD INDEX FDS VALUE ETF 922908744   74,877,751 466,776 SH   SOLE   0 0 466,776
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,540,911 103,768 SH   SOLE   0 0 103,768
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   17,456,477 227,979 SH   SOLE   0 0 227,979
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   217,636 1,190 SH   SOLE   0 0 1,190
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   40,632,594 822,189 SH   SOLE   0 0 822,189
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   201,620 1,700 SH   SOLE   0 0 1,700
VANGUARD WORLD FD MEGA CAP INDEX 921910873   508,202 2,576 SH   SOLE   0 0 2,576