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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,408,374 67,559 SH   SOLE   45,954 0 21,605
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,305,453 59,719 SH   SOLE   39,712 0 20,006
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   9,739,586 194,054 SH   SOLE   133,350 0 60,703
AMGEN INC COM 031162100   340,562 1,297 SH   SOLE   1,296 0 0
APPLE INC COM 037833100   1,690,120 13,008 SH   SOLE   6,427 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,874,844 4 SH   SOLE   4 0 0
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   1,752,255 78,647 SH   SOLE   53,565 0 25,082
COHEN & STEERS QUALITY INCOM COM 19247L106   1,380,169 120,015 SH   SOLE   98,862 0 21,151
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   580,974 26,468 SH   SOLE   19,526 0 6,941
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   355,468 14,640 SH   SOLE   14,640 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   963,115 21,914 SH   SOLE   16,512 0 5,401
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,480,607 278,967 SH   SOLE   203,702 0 75,264
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   408,631 12,205 SH   SOLE   10,494 0 1,710
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   1,928,005 42,388 SH   SOLE   32,952 0 9,434
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   299,708 10,081 SH   SOLE   6,081 0 4,000
EXXON MOBIL CORP COM 30231G102   346,563 3,142 SH   SOLE   2,175 0 967
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,299,572 28,867 SH   SOLE   22,527 0 6,339
HEARTLAND FINL USA INC COM 42234Q102   1,083,356 23,238 SH   SOLE   0 0 23,238
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   2,543,457 55,607 SH   SOLE   43,386 0 12,220
ISHARES TR MSCI EAFE MIN VL 46429B689   1,425,696 22,422 SH   SOLE   15,601 0 6,820
ISHARES TR CORE MSCI EAFE 46432F842   4,348,383 70,545 SH   SOLE   47,569 0 22,975
ISHARES TR COHEN STEER REIT 464287564   2,772,509 50,556 SH   SOLE   33,669 0 16,886
ISHARES TR EAFE SML CP ETF 464288273   214,459 3,797 SH   SOLE   1,898 0 1,898
ISHARES TR MSCI USA MMENTM 46432F396   2,691,478 18,444 SH   SOLE   12,908 0 5,534
ISHARES TR EAFE VALUE ETF 464288877   2,230,261 48,611 SH   SOLE   43,975 0 4,635
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   681,090 13,824 SH   SOLE   11,683 0 2,140
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,993,978 139,517 SH   SOLE   96,680 0 42,836
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   2,889,760 64,046 SH   SOLE   39,393 0 24,653
J P MORGAN EXCHANGE TRADED F INTERNL GWT 46641Q324   1,528,300 29,104 SH   SOLE   20,034 0 9,069
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,100,539 75,253 SH   SOLE   52,204 0 23,048
LISTED FD TR HORIZON KINETICS 53656F623   935,798 29,727 SH   SOLE   21,289 0 8,437
MERCK & CO INC COM 58933Y105   210,028 1,893 SH   SOLE   895 0 998
META PLATFORMS INC CL A 30303M102   422,032 3,507 SH   SOLE   207 0 3,300
NANO DIMENSION LTD SPONSORD ADS NEW 63008G203   23,000 10,000 SH   SOLE   10,000 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   313,026 3,460 SH   SOLE   2,785 0 674
PROSHARES TR INVT INT RT HG 74347B607   2,441,552 34,335 SH   SOLE   24,723 0 9,611
S&P GLOBAL INC COM 78409V104   2,323,479 6,937 SH   SOLE   150 0 6,787
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   373,037 12,832 SH   SOLE   1,188 0 11,643
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,657,323 52,664 SH   SOLE   39,017 0 13,645
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,957,140 60,762 SH   SOLE   34,038 0 26,723
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,658,979 55,422 SH   SOLE   49,755 0 5,666
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,364,968 31,307 SH   SOLE   18,559 0 12,748
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   233,517 5,172 SH   SOLE   0 0 5,172
SCHWAB STRATEGIC TR US REIT ETF 808524847   763,463 39,578 SH   SOLE   27,074 0 12,503
SEMPRA COM 816851109   208,946 1,352 SH   SOLE   1,352 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   837,311 8,720 SH   SOLE   5,591 0 3,128
SPDR S&P 500 ETF TR TR UNIT 78462F103   554,825 1,451 SH   SOLE   1,450 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   5,501,809 199,775 SH   SOLE   129,957 0 69,817
SYNTAX ETF TR STRATIFD LRG CAP 87166N106   16,282,850 255,680 SH   SOLE   173,253 0 82,426
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,786,972 9,347 SH   SOLE   8,419 0 927
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,116,910 3,179 SH   SOLE   3,179 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,337,710 6,277 SH   SOLE   4,221 0 2,055
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   206,996 1,558 SH   SOLE   1,558 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   411,027 10,545 SH   SOLE   9,732 0 811
VANGUARD STAR FDS VG TL INTL STK F 921909768   561,938 10,865 SH   SOLE   10,865 0 0
VISA INC COM CL A 92826C839   232,895 1,121 SH   SOLE   1,120 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   1,886,428 70,706 SH   SOLE   47,219 0 23,486