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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
ALPHABET INC CAP STK CL A 02079K305   1,749,551 9,605 SH   SOLE   0 0 9,605
AMAZON COM INC COM 023135106   1,443,964 7,472 SH   SOLE   0 0 7,472
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,462,419 49,737 SH   SOLE   0 0 49,737
APPLE INC COM 037833100   2,173,598 10,320 SH   SOLE   0 0 10,320
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   207,875 511 SH   SOLE   0 0 511
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   94,259,819 2,923,692 SH   SOLE   0 0 2,923,692
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   20,096,190 387,434 SH   SOLE   0 0 387,434
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   15,087,202 593,517 SH   SOLE   0 0 593,517
ELI LILLY & CO COM 532457108   288,816 319 SH   SOLE   0 0 319
EXXON MOBIL CORP COM 30231G102   228,859 1,988 SH   SOLE   0 0 1,988
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   3,030,293 68,933 SH   SOLE   0 0 68,933
ISHARES TR 10-20 YR TRS ETF 464288653   4,158,337 40,490 SH   SOLE   0 0 40,490
ISHARES TR NEW YORK MUN ETF 464288323   1,126,871 21,106 SH   SOLE   0 0 21,106
ISHARES TR CORE MSCI EAFE 46432F842   35,147,517 483,859 SH   SOLE   0 0 483,859
ISHARES TR IBONDS DEC25 ETF 46434VBD1   776,000 31,215 SH   SOLE   0 0 31,215
ISHARES TR IBONDS DEC24 ETF 46434VBG4   764,359 30,416 SH   SOLE   0 0 30,416
ISHARES TR U S EQUITY FACTR 46434V282   24,318,610 436,678 SH   SOLE   0 0 436,678
ISHARES TR IBONDS DEC2026 46435GAA0   785,806 32,989 SH   SOLE   0 0 32,989
ISHARES TR IBONDS 27 ETF 46435UAA9   735,797 31,007 SH   SOLE   0 0 31,007
ISHARES TR IBONDS 26 TRM TS 46436E858   522,905 23,082 SH   SOLE   0 0 23,082
ISHARES TR IBONDS 25 TRM TS 46436E866   516,685 22,252 SH   SOLE   0 0 22,252
ISHARES TR IBONDS 24 TRM TS 46436E874   584,612 24,379 SH   SOLE   0 0 24,379
ISHARES TR IBONDS 27 TRM TS 46436E841   491,199 22,251 SH   SOLE   0 0 22,251
JPMORGAN CHASE & CO. COM 46625H100   200,237 990 SH   SOLE   0 0 990
META PLATFORMS INC CL A 30303M102   844,569 1,675 SH   SOLE   0 0 1,675
MICROSOFT CORP COM 594918104   1,790,929 4,007 SH   SOLE   0 0 4,007
NVIDIA CORPORATION COM 67066G104   991,285 8,024 SH   SOLE   0 0 8,024
PNC FINL SVCS GROUP INC COM 693475105   331,483 2,132 SH   SOLE   0 0 2,132
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   638,599 8,863 SH   SOLE   0 0 8,863
VANGUARD INDEX FDS TOTAL STK MKT 922908769   544,775 2,036 SH   SOLE   0 0 2,036
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   464,631 2,753 SH   SOLE   0 0 2,753
VANGUARD INDEX FDS VALUE ETF 922908744   4,103,322 25,580 SH   SOLE   0 0 25,580
VANGUARD INDEX FDS MID CAP ETF 922908629   28,266,258 116,754 SH   SOLE   0 0 116,754
VANGUARD INDEX FDS SM CP VAL ETF 922908611   913,258 5,004 SH   SOLE   0 0 5,004
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   78,776,620 157,512 SH   SOLE   0 0 157,512
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   822,481 18,795 SH   SOLE   0 0 18,795
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,416,193 70,379 SH   SOLE   0 0 70,379
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   311,140 4,026 SH   SOLE   0 0 4,026
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   990,344 20,039 SH   SOLE   0 0 20,039
VANGUARD WORLD FD UTILITIES ETF 92204A876   594,972 4,022 SH   SOLE   0 0 4,022
VANGUARD WORLD FD EXTENDED DUR 921910709   7,188,788 97,927 SH   SOLE   0 0 97,927