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   391,859 3,448 SH   SOLE   0 0 3,448
ABBVIE INC COM 00287Y109   633,486 3,479 SH   SOLE   0 0 3,479
ADOBE INC COM 00724F101   288,127 571 SH   SOLE   0 0 571
ALPHABET INC CAP STK CL A 02079K305   1,198,837 7,943 SH   SOLE   0 0 7,943
ALPHABET INC CAP STK CL C 02079K107   738,156 4,848 SH   SOLE   0 0 4,848
AMAZON COM INC COM 023135106   1,065,685 5,908 SH   SOLE   0 0 5,908
APPLE INC COM 037833100   15,664,985 91,352 SH   SOLE   0 0 91,352
ASML HOLDING N V N Y REGISTRY SHS N07059210   309,580 319 SH   SOLE   0 0 319
AUTOMATIC DATA PROCESSING IN COM 053015103   218,824 876 SH   SOLE   0 0 876
BANCO BRADESCO S A SP ADR PFD NEW 059460303   30,313 10,599 SH   SOLE   0 0 10,599
BANCO SANTANDER S.A. ADR 05964H105   58,545 12,096 SH   SOLE   0 0 12,096
BANK AMERICA CORP COM 060505104   369,390 9,741 SH   SOLE   0 0 9,741
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   790,578 1,880 SH   SOLE   0 0 1,880
BRISTOL-MYERS SQUIBB CO COM 110122108   292,206 5,388 SH   SOLE   0 0 5,388
BROADCOM INC COM 11135F101   282,724 213 SH   SOLE   0 0 213
BUILDERS FIRSTSOURCE INC COM 12008R107   217,726 1,044 SH   SOLE   0 0 1,044
CHEVRON CORP NEW COM 166764100   580,189 3,678 SH   SOLE   0 0 3,678
COCA COLA CO COM 191216100   274,420 4,485 SH   SOLE   0 0 4,485
COSTCO WHSL CORP NEW COM 22160K105   618,803 845 SH   SOLE   0 0 845
DBX ETF TR XTRACK USD HIGH 233051432   242,587 6,793 SH   SOLE   0 0 6,793
DEVON ENERGY CORP NEW COM 25179M103   342,675 6,829 SH   SOLE   0 0 6,829
EATON CORP PLC SHS G29183103   264,527 846 SH   SOLE   0 0 846
GENUINE PARTS CO COM 372460105   261,522 1,688 SH   SOLE   0 0 1,688
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   208,461 3,300 SH   SOLE   0 0 3,300
HOME DEPOT INC COM 437076102   368,739 961 SH   SOLE   0 0 961
HURON CONSULTING GROUP INC COM 447462102   215,849 2,234 SH   SOLE   0 0 2,234
INTUITIVE SURGICAL INC COM NEW 46120E602   313,685 786 SH   SOLE   0 0 786
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   17,766,206 104,896 SH   SOLE   0 0 104,896
ISHARES INC MSCI EMRG CHN 46434G764   14,365,154 249,525 SH   SOLE   0 0 249,525
ISHARES INC CORE MSCI EMKT 46434G103   203,205 3,938 SH   SOLE   0 0 3,938
ISHARES TR CORE S&P500 ETF 464287200   1,573,602 2,993 SH   SOLE   0 0 2,993
ISHARES TR S&P 500 GRWT ETF 464287309   1,273,981 15,087 SH   SOLE   0 0 15,087
ISHARES TR MSCI EAFE ETF 464287465   257,564 3,225 SH   SOLE   0 0 3,225
ISHARES TR ISHS 1-5YR INVS 464288646   4,192,765 81,762 SH   SOLE   0 0 81,762
ISHARES TR RUS 2000 GRW ETF 464287648   930,856 3,437 SH   SOLE   0 0 3,437
ISHARES TR BROAD USD HIGH 46435U853   5,764,646 157,547 SH   SOLE   0 0 157,547
ISHARES TR NATIONAL MUN ETF 464288414   2,461,857 22,880 SH   SOLE   0 0 22,880
ISHARES TR CORE MSCI EAFE 46432F842   54,856,795 739,111 SH   SOLE   0 0 739,111
ISHARES TR RUS 1000 GRW ETF 464287614   289,964 860 SH   SOLE   0 0 860
ISHARES TR SHRT NAT MUN ETF 464288158   401,627 3,835 SH   SOLE   0 0 3,835
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,549,720 69,959 SH   SOLE   0 0 69,959
JOHNSON & JOHNSON COM 478160104   707,245 4,471 SH   SOLE   0 0 4,471
JPMORGAN CHASE & CO COM 46625H100   411,047 2,052 SH   SOLE   0 0 2,052
LINCOLN ELEC HLDGS INC COM 533900106   472,564 1,850 SH   SOLE   0 0 1,850
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   37,956 14,655 SH   SOLE   0 0 14,655
MARRIOTT INTL INC NEW CL A 571903202   266,761 1,057 SH   SOLE   0 0 1,057
MCDONALDS CORP COM 580135101   563,874 2,000 SH   SOLE   0 0 2,000
MERCK & CO INC COM 58933Y105   345,321 2,617 SH   SOLE   0 0 2,617
META PLATFORMS INC CL A 30303M102   603,576 1,243 SH   SOLE   0 0 1,243
MICROSOFT CORP COM 594918104   2,797,442 6,649 SH   SOLE   0 0 6,649
MOODYS CORP COM 615369105   760,120 1,934 SH   SOLE   0 0 1,934
NOVO-NORDISK A S ADR 670100205   407,413 3,173 SH   SOLE   0 0 3,173
NVIDIA CORPORATION COM 67066G104   2,129,127 2,356 SH   SOLE   0 0 2,356
PACER FDS TR PACER US SMALL 69374H857   10,596,113 215,543 SH   SOLE   0 0 215,543
QUALCOMM INC COM 747525103   225,524 1,332 SH   SOLE   0 0 1,332
SALESFORCE INC COM 79466L302   558,388 1,854 SH   SOLE   0 0 1,854
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   22,268,412 570,692 SH   SOLE   0 0 570,692
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   43,075,707 694,098 SH   SOLE   0 0 694,098
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   290,042 11,487 SH   SOLE   0 0 11,487
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,814,414 23,880 SH   SOLE   0 0 23,880
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   16,095,890 326,886 SH   SOLE   0 0 326,886
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   732,814 17,398 SH   SOLE   0 0 17,398
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,367,871 120,693 SH   SOLE   0 0 120,693
SPDR S&P 500 ETF TR TR UNIT 78462F103   224,527 429 SH   SOLE   0 0 429
SPDR SER TR NUVEEN BLOOMBERG 78464A284   3,483,458 135,596 SH   SOLE   0 0 135,596
SPDR SER TR PRTFLO S&P500 VL 78464A508   26,936,207 537,649 SH   SOLE   0 0 537,649
SPDR SER TR NUVEEN BLMBRG SH 78468R739   618,114 13,029 SH   SOLE   0 0 13,029
SPDR SER TR PRTFLO S&P500 GW 78464A409   27,450,343 375,261 SH   SOLE   0 0 375,261
SPDR SER TR SSGA US LRG ETF 78468R804   1,105,944 7,101 SH   SOLE   0 0 7,101
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   335,635 2,467 SH   SOLE   0 0 2,467
TEXAS PACIFIC LAND CORPORATI COM 88262P102   205,793 356 SH   SOLE   0 0 356
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,182,269 60,893 SH   SOLE   0 0 60,893
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   6,822,078 77,155 SH   SOLE   0 0 77,155
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,303,967 12,007 SH   SOLE   0 0 12,007
VANGUARD INDEX FDS VALUE ETF 922908744   5,376,309 33,012 SH   SOLE   0 0 33,012
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,712,169 14,238 SH   SOLE   0 0 14,238
VANGUARD INDEX FDS TOTAL STK MKT 922908769   500,327 1,925 SH   SOLE   0 0 1,925
VANGUARD INDEX FDS GROWTH ETF 922908736   7,617,379 22,131 SH   SOLE   0 0 22,131
VANGUARD INDEX FDS LARGE CAP ETF 922908637   308,051 1,285 SH   SOLE   0 0 1,285
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   432,916 901 SH   SOLE   0 0 901
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,669,616 255,437 SH   SOLE   0 0 255,437
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,398,225 165,973 SH   SOLE   0 0 165,973
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623   5,308,552 26,933 SH   SOLE   0 0 26,933
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,922,649 317,374 SH   SOLE   0 0 317,374
VANGUARD WORLD FD INF TECH ETF 92204A702   1,134,733 2,164 SH   SOLE   0 0 2,164
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527   29,003,687 625,349 SH   SOLE   0 0 625,349
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840   658,810 15,266 SH   SOLE   0 0 15,266
VISA INC COM CL A 92826C839   330,605 1,185 SH   SOLE   0 0 1,185