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 INTL EQT ETF 025072703   21,686,262 380,261 SH   SOLE   0 0 380,261
APPLE INC COM 037833100   1,311,487 7,953 SH   SOLE   0 0 7,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   538,804 1,745 SH   SOLE   0 0 1,745
CHEVRON CORP NEW COM 166764100   266,030 1,630 SH   SOLE   0 0 1,630
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   807,348 18,171 SH   SOLE   0 0 18,171
EXXON MOBIL CORP COM 30231G102   983,979 8,973 SH   SOLE   0 0 8,973
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   416,740 24,880 SH   SOLE   0 0 24,880
FORD MTR CO DEL COM 345370860   375,923 29,835 SH   SOLE   0 0 29,835
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   999,043 45,104 SH   SOLE   0 0 45,104
ISHARES INC CORE MSCI EMKT 46434G103   2,025,641 41,518 SH   SOLE   0 0 41,518
ISHARES TR CORE INTL AGGR 46435G672   1,338,503 27,344 SH   SOLE   0 0 27,344
ISHARES TR RUS MID CAP ETF 464287499   209,201 2,992 SH   SOLE   0 0 2,992
ISHARES TR RUS 1000 GRW ETF 464287614   447,124 1,830 SH   SOLE   0 0 1,830
ISHARES TR CORE US AGGBD ET 464287226   6,092,184 61,142 SH   SOLE   0 0 61,142
ISHARES TR TIPS BD ETF 464287176   403,725 3,662 SH   SOLE   0 0 3,662
ISHARES TR PFD AND INCM SEC 464288687   16,118,429 516,285 SH   SOLE   0 0 516,285
ISHARES TR NATIONAL MUN ETF 464288414   378,598 3,514 SH   SOLE   0 0 3,514
JPMORGAN CHASE & CO COM 46625H100   220,691 1,694 SH   SOLE   0 0 1,694
MICROSOFT CORP COM 594918104   383,400 1,330 SH   SOLE   0 0 1,330
MID-AMER APT CMNTYS INC COM 59522J103   217,498 1,440 SH   SOLE   0 0 1,440
NORFOLK SOUTHN CORP COM 655844108   1,378,000 6,500 SH   SOLE   0 0 6,500
OREILLY AUTOMOTIVE INC COM 67103H107   222,433 262 SH   SOLE   0 0 262
PEPSICO INC COM 713448108   220,808 1,211 SH   SOLE   0 0 1,211
PFIZER INC COM 717081103   242,100 5,934 SH   SOLE   0 0 5,934
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   2,449,526 25,816 SH   SOLE   0 0 25,816
PROCTER AND GAMBLE CO COM 742718109   205,691 1,383 SH   SOLE   0 0 1,383
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   348,927 10,027 SH   SOLE   0 0 10,027
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,307,803 55,039 SH   SOLE   0 0 55,039
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   920,562 18,868 SH   SOLE   0 0 18,868
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   331,302 6,570 SH   SOLE   0 0 6,570
SCHWAB STRATEGIC TR US TIPS ETF 808524870   227,275 4,239 SH   SOLE   0 0 4,239
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,256,180 62,729 SH   SOLE   0 0 62,729
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,184,927 29,865 SH   SOLE   0 0 29,865
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   625,576 9,242 SH   SOLE   0 0 9,242
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   906,662 26,565 SH   SOLE   0 0 26,565
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,480,567 30,265 SH   SOLE   0 0 30,265
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,915,936 7,754 SH   SOLE   0 0 7,754
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   248,926 1,857 SH   SOLE   0 0 1,857
VANGUARD INDEX FDS MID CAP ETF 922908629   7,598,893 36,027 SH   SOLE   0 0 36,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611   410,242 2,584 SH   SOLE   0 0 2,584
VANGUARD INDEX FDS SMALL CP ETF 922908751   17,582,312 92,753 SH   SOLE   0 0 92,753
VANGUARD INDEX FDS TOTAL STK MKT 922908769   381,055 1,867 SH   SOLE   0 0 1,867
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   31,302,626 203,251 SH   SOLE   0 0 203,251
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,660,176 48,183 SH   SOLE   0 0 48,183
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   300,932 6,662 SH   SOLE   0 0 6,662
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   771,099 10,466 SH   SOLE   0 0 10,466
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,324,410 118,231 SH   SOLE   0 0 118,231
VANGUARD WORLD FDS UTILITIES ETF 92204A876   290,003 1,966 SH   SOLE   0 0 1,966
WALMART INC COM 931142103   264,757 1,796 SH   SOLE   0 0 1,796