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
ABBOTT LABS COM 002824100   343,327 3,304 SH   SOLE   0 0 3,304
ABBVIE INC COM 00287Y109   595,227 3,470 SH   SOLE   0 0 3,470
ADOBE INC COM 00724F101   205,550 370 SH   SOLE   0 0 370
ALPHABET INC CAP STK CL C 02079K107   975,344 5,318 SH   SOLE   0 0 5,318
ALPHABET INC CAP STK CL A 02079K305   1,536,953 8,438 SH   SOLE   0 0 8,438
AMAZON COM INC COM 023135106   1,192,420 6,170 SH   SOLE   0 0 6,170
APPLE INC COM 037833100   19,348,067 91,862 SH   SOLE   0 0 91,862
ASML HOLDING N V N Y REGISTRY SHS N07059210   367,160 359 SH   SOLE   0 0 359
AUTOMATIC DATA PROCESSING IN COM 053015103   206,039 863 SH   SOLE   0 0 863
BANCO BRADESCO S A SP ADR PFD NEW 059460303   23,952 10,693 SH   SOLE   0 0 10,693
BANCO SANTANDER S.A. ADR 05964H105   62,473 13,493 SH   SOLE   0 0 13,493
BANK AMERICA CORP COM 060505104   376,568 9,469 SH   SOLE   0 0 9,469
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   825,152 2,028 SH   SOLE   0 0 2,028
BROADCOM INC COM 11135F101   381,101 237 SH   SOLE   0 0 237
CHEVRON CORP NEW COM 166764100   580,588 3,712 SH   SOLE   0 0 3,712
COCA COLA CO COM 191216100   294,983 4,634 SH   SOLE   0 0 4,634
COSTCO WHSL CORP NEW COM 22160K105   729,439 858 SH   SOLE   0 0 858
DBX ETF TR XTRACK USD HIGH 233051432   244,680 6,900 SH   SOLE   0 0 6,900
DEVON ENERGY CORP NEW COM 25179M103   335,745 7,083 SH   SOLE   0 0 7,083
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   15,541,067 432,417 SH   SOLE   0 0 432,417
EATON CORP PLC SHS G29183103   269,967 861 SH   SOLE   0 0 861
ELI LILLY & CO COM 532457108   224,534 248 SH   SOLE   0 0 248
GENUINE PARTS CO COM 372460105   233,484 1,688 SH   SOLE   0 0 1,688
HARBOR ETF TRUST INTERNATNAL COMP 41151J885   14,452,488 522,505 SH   SOLE   0 0 522,505
HOME DEPOT INC COM 437076102   318,916 926 SH   SOLE   0 0 926
HURON CONSULTING GROUP INC COM 447462102   220,049 2,234 SH   SOLE   0 0 2,234
INTUITIVE SURGICAL INC COM NEW 46120E602   355,435 799 SH   SOLE   0 0 799
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   19,310,019 117,543 SH   SOLE   0 0 117,543
ISHARES INC MSCI EMRG CHN 46434G764   15,243,349 257,489 SH   SOLE   0 0 257,489
ISHARES INC CORE MSCI EMKT 46434G103   211,481 3,951 SH   SOLE   0 0 3,951
ISHARES TR CORE S&P500 ETF 464287200   1,617,478 2,956 SH   SOLE   0 0 2,956
ISHARES TR CORE MSCI EAFE 46432F842   26,960,192 371,148 SH   SOLE   0 0 371,148
ISHARES TR MSCI EAFE ETF 464287465   252,629 3,225 SH   SOLE   0 0 3,225
ISHARES TR RUS 1000 GRW ETF 464287614   313,588 860 SH   SOLE   0 0 860
ISHARES TR RUS 2000 GRW ETF 464287648   887,954 3,382 SH   SOLE   0 0 3,382
ISHARES TR S&P 500 GRWT ETF 464287309   1,176,631 12,715 SH   SOLE   0 0 12,715
ISHARES TR ISHS 1-5YR INVS 464288646   7,650,094 149,299 SH   SOLE   0 0 149,299
ISHARES TR BROAD USD HIGH 46435U853   6,022,169 165,991 SH   SOLE   0 0 165,991
ISHARES TR NATIONAL MUN ETF 464288414   2,286,250 21,457 SH   SOLE   0 0 21,457
ISHARES TR SHRT NAT MUN ETF 464288158   424,514 4,060 SH   SOLE   0 0 4,060
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,843,512 76,298 SH   SOLE   0 0 76,298
JOHNSON & JOHNSON COM 478160104   635,255 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO. COM 46625H100   444,146 2,196 SH   SOLE   0 0 2,196
LINCOLN ELEC HLDGS INC COM 533900106   348,984 1,850 SH   SOLE   0 0 1,850
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   43,898 16,080 SH   SOLE   0 0 16,080
MANHATTAN BRDG CAP INC COM 562803106   13,231 13,231 SH   SOLE   0 0 13,231
MARRIOTT INTL INC NEW CL A 571903202   254,875 1,054 SH   SOLE   0 0 1,054
MCDONALDS CORP COM 580135101   421,356 1,653 SH   SOLE   0 0 1,653
MERCK & CO INC COM 58933Y105   314,335 2,539 SH   SOLE   0 0 2,539
META PLATFORMS INC CL A 30303M102   648,931 1,287 SH   SOLE   0 0 1,287
MICROSOFT CORP COM 594918104   3,114,397 6,968 SH   SOLE   0 0 6,968
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   45,849 10,839 SH   SOLE   0 0 10,839
MOODYS CORP COM 615369105   810,711 1,926 SH   SOLE   0 0 1,926
NOVO-NORDISK A S ADR 670100205   507,583 3,556 SH   SOLE   0 0 3,556
NVIDIA CORPORATION COM 67066G104   2,928,514 23,705 SH   SOLE   0 0 23,705
PACER FDS TR PACER US SMALL 69374H857   9,968,579 228,847 SH   SOLE   0 0 228,847
PALANTIR TECHNOLOGIES INC CL A 69608A108   262,621 10,368 SH   SOLE   0 0 10,368
QUALCOMM INC COM 747525103   283,670 1,424 SH   SOLE   0 0 1,424
SALESFORCE INC COM 79466L302   462,266 1,798 SH   SOLE   0 0 1,798
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   21,670,428 564,040 SH   SOLE   0 0 564,040
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   40,647,215 632,641 SH   SOLE   0 0 632,641
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,767,190 23,855 SH   SOLE   0 0 23,855
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   15,186,708 320,057 SH   SOLE   0 0 320,057
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   301,968 11,369 SH   SOLE   0 0 11,369
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   715,242 17,398 SH   SOLE   0 0 17,398
SHELL PLC SPON ADS 780259305   215,674 2,988 SH   SOLE   0 0 2,988
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,352,440 115,541 SH   SOLE   0 0 115,541
SPDR S&P 500 ETF TR TR UNIT 78462F103   234,298 431 SH   SOLE   0 0 431
SPDR SER TR SSGA US LRG ETF 78468R804   1,006,083 6,594 SH   SOLE   0 0 6,594
SPDR SER TR NUVEEN BLMBRG SH 78468R739   536,041 11,359 SH   SOLE   0 0 11,359
SPDR SER TR NUVEEN BLOOMBERG 78464A284   3,297,017 129,600 SH   SOLE   0 0 129,600
SPDR SER TR PRTFLO S&P500 VL 78464A508   26,052,559 534,521 SH   SOLE   0 0 534,521
SPDR SER TR PRTFLO S&P500 GW 78464A409   29,592,691 369,309 SH   SOLE   0 0 369,309
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   489,623 2,817 SH   SOLE   0 0 2,817
TEXAS PACIFIC LAND CORPORATI COM 88262P102   261,201 356 SH   SOLE   0 0 356
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,124,265 60,489 SH   SOLE   0 0 60,489
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   6,286,653 75,136 SH   SOLE   0 0 75,136
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,644,416 14,570 SH   SOLE   0 0 14,570
VANGUARD INDEX FDS LARGE CAP ETF 922908637   320,719 1,285 SH   SOLE   0 0 1,285
VANGUARD INDEX FDS VALUE ETF 922908744   4,894,710 30,514 SH   SOLE   0 0 30,514
VANGUARD INDEX FDS TOTAL STK MKT 922908769   673,916 2,519 SH   SOLE   0 0 2,519
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   437,194 874 SH   SOLE   0 0 874
VANGUARD INDEX FDS GROWTH ETF 922908736   8,261,720 22,090 SH   SOLE   0 0 22,090
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,255,742 12,359 SH   SOLE   0 0 12,359
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,279,466 280,609 SH   SOLE   0 0 280,609
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,635,605 152,377 SH   SOLE   0 0 152,377
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   4,895,161 25,622 SH   SOLE   0 0 25,622
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,978,879 282,859 SH   SOLE   0 0 282,859
VANGUARD WORLD FD INF TECH ETF 92204A702   1,249,942 2,168 SH   SOLE   0 0 2,168
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527   24,996,175 543,277 SH   SOLE   0 0 543,277
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840   570,032 13,558 SH   SOLE   0 0 13,558
VISA INC COM CL A 92826C839   327,232 1,247 SH   SOLE   0 0 1,247