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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
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   267,692 2,576 SH   SOLE 0 0 0 2,576
ABBVIE INC COM 00287Y109   274,775 1,602 SH   SOLE 0 0 0 1,602
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   341,336 1,125 SH   SOLE 0 0 0 1,125
ALPHABET INC CAP STK CL A 02079K305   1,335,888 7,334 SH   SOLE 0 0 0 7,334
ALPHABET INC CAP STK CL C 02079K107   1,321,908 7,207 SH   SOLE 0 0 0 7,207
AMAZON COM INC COM 023135106   2,899,330 15,003 SH   SOLE 0 0 0 15,003
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,799,833 20,061 SH   SOLE 0 0 0 20,061
AMERICAN CENTY ETF TR US EQT ETF 025072885   24,183,261 268,137 SH   SOLE 0 0 0 268,137
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   4,240,331 68,107 SH   SOLE 0 0 0 68,107
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,850,388 63,028 SH   SOLE 0 0 0 63,028
AMERICAN EXPRESS CO COM 025816109   618,933 2,673 SH   SOLE 0 0 0 2,673
AMERICAN TOWER CORP NEW COM 03027X100   278,741 1,434 SH   SOLE 0 0 0 1,434
AMGEN INC COM 031162100   264,333 846 SH   SOLE 0 0 0 846
APPLE INC COM 037833100   11,305,461 53,677 SH   SOLE 0 0 0 53,677
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,773,562 6,818 SH   SOLE 0 0 0 6,818
CATERPILLAR INC COM 149123101   645,881 1,939 SH   SOLE 0 0 0 1,939
CHEVRON CORP NEW COM 166764100   266,329 1,703 SH   SOLE 0 0 0 1,703
CHUBB LIMITED COM H1467J104   664,483 2,605 SH   SOLE 0 0 0 2,605
CISCO SYS INC COM 17275R102   302,238 6,362 SH   SOLE 0 0 0 6,362
COSTCO WHSL CORP NEW COM 22160K105   936,436 1,102 SH   SOLE 0 0 0 1,102
DANAHER CORPORATION COM 235851102   791,469 3,168 SH   SOLE 0 0 0 3,168
DEERE & CO COM 244199105   393,059 1,052 SH   SOLE 0 0 0 1,052
DELTA AIR LINES INC DEL COM NEW 247361702   277,097 5,841 SH   SOLE 0 0 0 5,841
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   477,954 16,109 SH   SOLE 0 0 0 16,109
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   296,134 11,447 SH   SOLE 0 0 0 11,447
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   12,501,219 390,785 SH   SOLE 0 0 0 390,785
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   2,112,020 73,385 SH   SOLE 0 0 0 73,385
DISCOVER FINL SVCS COM 254709108   264,629 2,023 SH   SOLE 0 0 0 2,023
ELI LILLY & CO COM 532457108   328,836 363 SH   SOLE 0 0 0 363
EXXON MOBIL CORP COM 30231G102   432,320 3,755 SH   SOLE 0 0 0 3,755
FLEXSHARES TR HIG YLD VL ETF 33939L662   8,775,799 217,223 SH   SOLE 0 0 0 217,223
FLEXSHARES TR QLT DIV DEF IDX 33939L845   1,005,873 15,344 SH   SOLE 0 0 0 15,344
FLEXSHARES TR INTL QLTDV DEF 33939L811   230,512 10,608 SH   SOLE 0 0 0 10,608
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,039,921 55,103 SH   SOLE 0 0 0 55,103
GLOBAL X FDS AGING POPULATION 37954Y772   765,055 25,434 SH   SOLE 0 0 0 25,434
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   529,034 14,848 SH   SOLE 0 0 0 14,848
GOLDMAN SACHS GROUP INC COM 38141G104   303,959 672 SH   SOLE 0 0 0 672
GRAINGER W W INC COM 384802104   270,672 300 SH   SOLE 0 0 0 300
HOME DEPOT INC COM 437076102   315,668 917 SH   SOLE 0 0 0 917
INTEL CORP COM 458140100   439,712 14,198 SH   SOLE 0 0 0 14,198
INTUIT COM 461202103   2,022,235 3,077 SH   SOLE 0 0 0 3,077
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,972,516 42,443 SH   SOLE 0 0 0 42,443
INVESCO QQQ TR UNIT SER 1 46090E103   2,200,552 4,593 SH   SOLE 0 0 0 4,593
ISHARES INC MSCI EMRG CHN 46434G764   11,836,365 199,939 SH   SOLE 0 0 0 199,939
ISHARES INC ESG AWR MSCI EM 46434G863   1,097,199 32,723 SH   SOLE 0 0 0 32,723
ISHARES INC CORE MSCI EMKT 46434G103   462,874 8,647 SH   SOLE 0 0 0 8,647
ISHARES INC EM MKTS DIV ETF 464286319   325,046 11,959 SH   SOLE 0 0 0 11,959
ISHARES TR CONSER ALLOC ETF 464289883   615,372 16,665 SH   SOLE 0 0 0 16,665
ISHARES TR 3 7 YR TREAS BD 464288661   293,063 2,538 SH   SOLE 0 0 0 2,538
ISHARES TR CRE U S REIT ETF 464288521   376,162 7,023 SH   SOLE 0 0 0 7,023
ISHARES TR ESG AW MSCI EAFE 46435G516   1,383,289 17,559 SH   SOLE 0 0 0 17,559
ISHARES TR IBONDS DEC2026 46435GAA0   250,134 10,501 SH   SOLE 0 0 0 10,501
ISHARES TR EXPONENTIAL TECH 46434V381   1,150,185 19,551 SH   SOLE 0 0 0 19,551
ISHARES TR IBONDS DEC25 ETF 46434VBD1   511,296 20,567 SH   SOLE 0 0 0 20,567
ISHARES TR IBONDS DEC24 ETF 46434VBG4   956,372 38,057 SH   SOLE 0 0 0 38,057
ISHARES TR ESG AWR MSCI USA 46435G425   2,162,955 18,127 SH   SOLE 0 0 0 18,127
ISHARES TR BLACKROCK ULTRA 46434V878   638,750 12,641 SH   SOLE 0 0 0 12,641
ISHARES TR IBDS DEC28 ETF 46435U515   265,980 10,738 SH   SOLE 0 0 0 10,738
ISHARES TR IBONDS DEC 2031 46436E486   3,549,959 174,961 SH   SOLE 0 0 0 174,961
ISHARES TR IBONDS DEC 29 46436E205   411,075 18,133 SH   SOLE 0 0 0 18,133
ISHARES TR IBONDS 29 TRM TS 46436E825   434,858 20,349 SH   SOLE 0 0 0 20,349
ISHARES TR IBONDS 25 TRM TS 46436E866   250,939 10,807 SH   SOLE 0 0 0 10,807
ISHARES TR IBONDS 24 TRM TS 46436E874   418,811 17,465 SH   SOLE 0 0 0 17,465
ISHARES TR IBONDS DEC 2030 46436E726   1,569,711 73,834 SH   SOLE 0 0 0 73,834
ISHARES TR CORE S&P500 ETF 464287200   1,366,285 2,497 SH   SOLE 0 0 0 2,497
ISHARES TR S&P 500 GRWT ETF 464287309   1,437,887 15,538 SH   SOLE 0 0 0 15,538
ISHARES TR RUS 1000 VAL ETF 464287598   213,675 1,225 SH   SOLE 0 0 0 1,225
ISHARES TR RUS 1000 GRW ETF 464287614   492,783 1,352 SH   SOLE 0 0 0 1,352
ISHARES TR RUSSELL 2000 ETF 464287655   287,292 1,416 SH   SOLE 0 0 0 1,416
ISHARES TR RUS 2000 VAL ETF 464287630   202,271 1,328 SH   SOLE 0 0 0 1,328
ISHARES TR RUSSELL 3000 ETF 464287689   305,583 990 SH   SOLE 0 0 0 990
ISHARES TR RUS MID CAP ETF 464287499   502,372 6,196 SH   SOLE 0 0 0 6,196
ISHARES TR GLOBAL TECH ETF 464287291   345,359 4,170 SH   SOLE 0 0 0 4,170
ISHARES TR US HLTHCARE ETF 464287762   223,942 3,655 SH   SOLE 0 0 0 3,655
ISHARES TR MSCI EMG MKT ETF 464287234   5,338,401 125,344 SH   SOLE 0 0 0 125,344
ISHARES TR CORE US AGGBD ET 464287226   1,450,614 14,944 SH   SOLE 0 0 0 14,944
ISHARES TR MSCI EAFE ETF 464287465   251,204 3,207 SH   SOLE 0 0 0 3,207
ISHARES TR IBONDS DEC 2032 46436E312   1,986,708 80,892 SH   SOLE 0 0 0 80,892
ISHARES TR IBONDS DEC 2033 46436E130   354,060 14,050 SH   SOLE 0 0 0 14,050
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   14,010,169 277,594 SH   SOLE 0 0 0 277,594
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   32,333,829 610,648 SH   SOLE 0 0 0 610,648
JOHNSON & JOHNSON COM 478160104   358,869 2,455 SH   SOLE 0 0 0 2,455
JPMORGAN CHASE & CO. COM 46625H100   1,368,289 6,765 SH   SOLE 0 0 0 6,765
LAM RESEARCH CORP COM 512807108   224,683 211 SH   SOLE 0 0 0 211
LINDE PLC SHS G54950103   986,884 2,249 SH   SOLE 0 0 0 2,249
LOWES COS INC COM 548661107   211,862 961 SH   SOLE 0 0 0 961
MARSH & MCLENNAN COS INC COM 571748102   534,597 2,537 SH   SOLE 0 0 0 2,537
MASTERCARD INCORPORATED CL A 57636Q104   469,835 1,065 SH   SOLE 0 0 0 1,065
MCDONALDS CORP COM 580135101   353,718 1,388 SH   SOLE 0 0 0 1,388
META PLATFORMS INC CL A 30303M102   807,256 1,601 SH   SOLE 0 0 0 1,601
MICROSOFT CORP COM 594918104   5,492,597 12,289 SH   SOLE 0 0 0 12,289
NEXTERA ENERGY INC COM 65339F101   416,247 5,878 SH   SOLE 0 0 0 5,878
NORFOLK SOUTHN CORP COM 655844108   360,870 1,681 SH   SOLE 0 0 0 1,681
NOVO-NORDISK A S ADR 670100205   732,256 5,130 SH   SOLE 0 0 0 5,130
NVIDIA CORPORATION COM 67066G104   1,743,891 14,116 SH   SOLE 0 0 0 14,116
ORACLE CORP COM 68389X105   469,208 3,323 SH   SOLE 0 0 0 3,323
PARKER-HANNIFIN CORP COM 701094104   214,969 425 SH   SOLE 0 0 0 425
PEPSICO INC COM 713448108   438,879 2,661 SH   SOLE 0 0 0 2,661
PROCTER AND GAMBLE CO COM 742718109   766,399 4,647 SH   SOLE 0 0 0 4,647
PROGRESSIVE CORP COM 743315103   298,895 1,439 SH   SOLE 0 0 0 1,439
QUALCOMM INC COM 747525103   242,402 1,217 SH   SOLE 0 0 0 1,217
REPUBLIC SVCS INC COM 760759100   432,407 2,225 SH   SOLE 0 0 0 2,225
RTX CORPORATION COM 75513E101   503,757 5,018 SH   SOLE 0 0 0 5,018
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,844,886 61,156 SH   SOLE 0 0 0 61,156
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,373,940 35,761 SH   SOLE 0 0 0 35,761
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   628,737 6,235 SH   SOLE 0 0 0 6,235
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,417,281 70,970 SH   SOLE 0 0 0 70,970
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   225,439 4,946 SH   SOLE 0 0 0 4,946
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   455,272 17,141 SH   SOLE 0 0 0 17,141
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   514,750 10,695 SH   SOLE 0 0 0 10,695
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   250,793 7,215 SH   SOLE 0 0 0 7,215
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   399,195 13,500 SH   SOLE 0 0 0 13,500
SELECT SECTOR SPDR TR ENERGY 81369Y506   517,276 5,675 SH   SOLE 0 0 0 5,675
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   536,935 2,373 SH   SOLE 0 0 0 2,373
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   418,448 2,871 SH   SOLE 0 0 0 2,871
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   229,824 1,260 SH   SOLE 0 0 0 1,260
SOUTHERN CO COM 842587107   392,309 5,057 SH   SOLE 0 0 0 5,057
SPDR GOLD TR GOLD SHS 78463V107   200,819 934 SH   SOLE 0 0 0 934
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   288,919 8,236 SH   SOLE 0 0 0 8,236
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,612,500 12,150 SH   SOLE 0 0 0 12,150
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   426,091 796 SH   SOLE 0 0 0 796
SPDR SER TR NYSE TECH ETF 78464A102   249,334 1,277 SH   SOLE 0 0 0 1,277
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,281,852 26,300 SH   SOLE 0 0 0 26,300
SPDR SER TR PORTFOLIO SH TSR 78468R101   263,554 9,129 SH   SOLE 0 0 0 9,129
SPDR SER TR S&P DIVID ETF 78464A763   847,400 6,663 SH   SOLE 0 0 0 6,663
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   436,611 2,512 SH   SOLE 0 0 0 2,512
TCW ETF TRUST TRANSFORM SUPPLY 29287L304   233,306 3,600 SH   SOLE 0 0 0 3,600
TCW ETF TRUST TRANSFORM SYSTEM 29287L205   365,537 5,359 SH   SOLE 0 0 0 5,359
TESLA INC COM 88160R101   838,022 4,235 SH   SOLE 0 0 0 4,235
TEXAS INSTRS INC COM 882508104   526,009 2,704 SH   SOLE 0 0 0 2,704
TG THERAPEUTICS INC COM 88322Q108   177,900 10,000 SH   SOLE 0 0 0 10,000
THERMO FISHER SCIENTIFIC INC COM 883556102   345,625 625 SH   SOLE 0 0 0 625
UNION PAC CORP COM 907818108   668,034 2,953 SH   SOLE 0 0 0 2,953
UNITEDHEALTH GROUP INC COM 91324P102   447,640 879 SH   SOLE 0 0 0 879
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,357,807 213,270 SH   SOLE 0 0 0 213,270
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,571,869 49,575 SH   SOLE 0 0 0 49,575
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,022,693 4,097 SH   SOLE 0 0 0 4,097
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   711,685 1,423 SH   SOLE 0 0 0 1,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769   48,565,816 181,548 SH   SOLE 0 0 0 181,548
VANGUARD INDEX FDS VALUE ETF 922908744   3,622,858 22,585 SH   SOLE 0 0 0 22,585
VANGUARD INDEX FDS MID CAP ETF 922908629   3,954,946 16,336 SH   SOLE 0 0 0 16,336
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,374,323 99,980 SH   SOLE 0 0 0 99,980
VANGUARD INDEX FDS SMALL CP ETF 922908751   741,093 3,399 SH   SOLE 0 0 0 3,399
VANGUARD INDEX FDS GROWTH ETF 922908736   2,395,587 6,405 SH   SOLE 0 0 0 6,405
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,635,383 174,483 SH   SOLE 0 0 0 174,483
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,676,375 45,995 SH   SOLE 0 0 0 45,995
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   4,833,578 83,008 SH   SOLE 0 0 0 83,008
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,571,505 61,588 SH   SOLE 0 0 0 61,588
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,714,928 22,193 SH   SOLE 0 0 0 22,193
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   31,363,778 634,637 SH   SOLE 0 0 0 634,637
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,096,813 9,248 SH   SOLE 0 0 0 9,248
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535   471,606 9,470 SH   SOLE 0 0 0 9,470
VISA INC COM CL A 92826C839   845,941 3,223 SH   SOLE 0 0 0 3,223
WALMART INC COM 931142103   988,972 14,606 SH   SOLE 0 0 0 14,606
WISDOMTREE TR EMER MKT HIGH FD 97717W315   242,467 5,598 SH   SOLE 0 0 0 5,598
WISDOMTREE TR EM EX ST-OWNED 97717X578   693,494 22,641 SH   SOLE 0 0 0 22,641