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
ADOBE INC COM 00724F101   488,259 1,098 SH   SOLE   0 0 1,098
ALPHABET INC CAP STK CL C 02079K107   1,959,818 10,291 SH   SOLE   0 0 10,291
ALPHABET INC CAP STK CL A 02079K305   437,683 2,312 SH   SOLE   0 0 2,312
ALTRIA GROUP INC COM 02209S103   275,112 5,261 SH   SOLE   0 0 5,261
AMAZON COM INC COM 023135106   2,312,391 10,540 SH   SOLE   0 0 10,540
AMERICAN CENTY ETF TR US EQT ETF 025072885   363,651 3,752 SH   SOLE   1 0 3,751
AMERICAN CENTY ETF TR US SML CP VALU 025072877   22,043,148 228,355 SH   SOLE   2,670 0 225,686
AMGEN INC COM 031162100   249,304 957 SH   SOLE   0 0 957
APPLE INC COM 037833100   18,122,220 72,367 SH   SOLE   90 0 72,277
BANK AMERICA CORP COM 060505104   211,531 4,813 SH   SOLE   0 0 4,813
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,862,463 6,315 SH   SOLE   0 0 6,315
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   24,851,374 484,905 SH   SOLE   6,112 0 478,793
BOOKING HOLDINGS INC COM 09857L108   809,852 163 SH   SOLE   0 0 163
BROADCOM INC COM 11135F101   813,758 3,510 SH   SOLE   0 0 3,510
CISCO SYS INC COM 17275R102   246,796 4,169 SH   SOLE   0 0 4,169
CITIGROUP INC COM NEW 172967424   336,464 4,780 SH   SOLE   0 0 4,780
COCA COLA CO COM 191216100   293,805 4,719 SH   SOLE   0 0 4,719
COSTCO WHSL CORP NEW COM 22160K105   214,032 234 SH   SOLE   26 0 208
DEXCOM INC COM 252131107   259,907 3,342 SH   SOLE   0 0 3,342
DEXCOM INC COM 252131107   130 2,600 SH Put SOLE   0 0 2,600
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   5,250,082 155,374 SH   SOLE   2,688 0 152,686
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   84,271,268 1,321,902 SH   SOLE   17,220 0 1,304,682
EA SERIES TRUST FREEDOM 100 EM 02072L607   11,071,462 338,784 SH   SOLE   4,750 0 334,034
EATON VANCE TAX-MANAGED DIVE COM 27828N102   342,339 22,899 SH   SOLE   22,899 0 0
ELEVANCE HEALTH INC COM 036752103   292,169 792 SH   SOLE   0 0 792
ELI LILLY & CO COM 532457108   1,366,900 1,771 SH   SOLE   20 0 1,750
ENEL CHILE S.A. SPONSORED ADR 29278D105   30,946 10,745 SH   SOLE   0 0 10,745
EXXON MOBIL CORP COM 30231G102   370,133 3,441 SH   SOLE   0 0 3,441
FEDEX CORP COM 31428X106   249,540 887 SH   SOLE   0 0 887
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   268,637 5,987 SH   SOLE   70 0 5,917
FISERV INC COM 337738108   1,596,730 7,773 SH   SOLE   0 0 7,773
FLUENT INC COM NEW 34380C201   66,102 26,231 SH   SOLE   0 0 26,231
GE AEROSPACE COM NEW 369604301   615,288 3,689 SH   SOLE   0 0 3,689
GE VERNOVA INC COM 36828A101   216,436 658 SH   SOLE   0 0 658
GENERAL MTRS CO COM 37045V100   240,528 4,515 SH   SOLE   0 0 4,515
GRAINGER W W INC COM 384802104   222,405 211 SH   SOLE   0 0 211
HOME DEPOT INC COM 437076102   634,591 1,631 SH   SOLE   0 0 1,631
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   273,344 2,877 SH   SOLE   0 0 2,877
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742   17,210,872 346,504 SH   SOLE   3,385 0 343,120
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,290,998 19,260 SH   SOLE   0 0 19,260
INVESCO QQQ TR UNIT SER 1 46090E103   1,003,339 1,963 SH   SOLE   0 0 1,963
ISHARES INC MSCI EMRG CHN 46434G764   4,705,125 84,853 SH   SOLE   971 0 83,882
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   328,596 15,094 SH   SOLE   0 0 15,094
ISHARES TR RUS TP200 GR ETF 464289438   53,579,362 227,736 SH   SOLE   3,062 0 224,673
ISHARES TR EAFE VALUE ETF 464288877   284,073 5,414 SH   SOLE   0 0 5,414
ISHARES TR CORE MSCI TOTAL 46432F834   486,460 7,355 SH   SOLE   0 0 7,355
ISHARES TR CORE S&P MCP ETF 464287507   513,434 8,240 SH   SOLE   0 0 8,240
ISHARES TR MSCI USA QLT FCT 46432F339   17,367,289 97,525 SH   SOLE   945 0 96,580
ISHARES TR RUS 2000 GRW ETF 464287648   218,721 760 SH   SOLE   0 0 760
ISHARES TR TRS FLT RT BD 46434V860   765,983 15,177 SH   SOLE   300 0 14,877
ISHARES TR CORE US AGGBD ET 464287226   1,649,529 17,023 SH   SOLE   0 0 17,023
ISHARES TR CORE S&P500 ETF 464287200   1,495,602 2,541 SH   SOLE   0 0 2,541
ISHARES TR RUSSELL 3000 ETF 464287689   4,980,325 14,900 SH   SOLE   0 0 14,900
ISHARES TR MSCI USA MIN VOL 46429B697   270,632 3,048 SH   SOLE   0 0 3,048
ISHARES TR GLOBAL TECH ETF 464287291   298,998 3,528 SH   SOLE   0 0 3,528
ISHARES TR RUS 1000 GRW ETF 464287614   403,905 1,006 SH   SOLE   0 0 1,006
ISHARES TR US TREAS BD ETF 46429B267   1,730,962 75,325 SH   SOLE   5 0 75,320
ISHARES TR CORE TOTAL USD 46434V613   44,702,113 988,985 SH   SOLE   14,765 0 974,219
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   948,366 18,828 SH   SOLE   0 0 18,828
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   4,101,578 71,618 SH   SOLE   1,032 0 70,586
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   511,042 10,078 SH   SOLE   0 0 10,078
JOHNSON & JOHNSON COM 478160104   217,560 1,504 SH   SOLE   0 0 1,504
JPMORGAN CHASE & CO. COM 46625H100   694,311 2,896 SH   SOLE   0 0 2,896
LENNAR CORP CL A 526057104   608,210 4,460 SH   SOLE   0 0 4,460
LOWES COS INC COM 548661107   271,480 1,100 SH   SOLE   0 0 1,100
MASTERCARD INCORPORATED CL A 57636Q104   1,590,768 3,021 SH   SOLE   0 0 3,021
MERCK & CO INC COM 58933Y105   1,299,010 13,058 SH   SOLE   0 0 13,058
META PLATFORMS INC CL A 30303M102   1,467,343 2,506 SH   SOLE   25 0 2,481
MICROSOFT CORP COM 594918104   1,668,296 3,958 SH   SOLE   31 0 3,927
NETFLIX INC COM 64110L106   1,043,736 1,171 SH   SOLE   0 0 1,171
NVIDIA CORPORATION COM 67066G104   2,223,941 16,561 SH   SOLE   201 0 16,360
OREILLY AUTOMOTIVE INC COM 67103H107   217,001 183 SH   SOLE   0 0 183
PACER FDS TR US CASH COWS 100 69374H881   29,679,080 525,479 SH   SOLE   7,901 0 517,578
PALANTIR TECHNOLOGIES INC CL A 69608A108   519,654 6,871 SH   SOLE   0 0 6,871
PGIM ETF TR PGIM ULTRA SH BD 69344A107   916,965 18,506 SH   SOLE   305 0 18,201
PIMCO ETF TR MULTISECTOR BD 72201R585   599,944 23,146 SH   SOLE   231 0 22,915
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,528,595 50,084 SH   SOLE   0 0 50,084
PROCTER AND GAMBLE CO COM 742718109   338,485 2,019 SH   SOLE   0 0 2,019
PROGRESSIVE CORP COM 743315103   212,534 887 SH   SOLE   0 0 887
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,701,371 91,966 SH   SOLE   0 0 91,966
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   39,521,348 1,627,063 SH   SOLE   25,837 0 1,601,226
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,063,504 531,432 SH   SOLE   0 0 531,432
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   267,863 1,152 SH   SOLE   0 0 1,152
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   48,892,205 674,282 SH   SOLE   9,460 0 664,822
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,426,558 4,140 SH   SOLE   0 0 4,140
SPDR SER TR S&P DIVID ETF 78464A763   289,866 2,194 SH   SOLE   0 0 2,194
SPDR SER TR S&P 600 SMCP VAL 78464A300   363,571 4,167 SH   SOLE   0 0 4,167
SYNOPSYS INC COM 871607107   208,219 429 SH   SOLE   0 0 429
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   870,338 4,407 SH   SOLE   0 0 4,407
UBER TECHNOLOGIES INC COM 90353T100   328,020 5,438 SH   SOLE   0 0 5,438
UNITEDHEALTH GROUP INC COM 91324P102   250,906 496 SH   SOLE   31 0 465
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   540,426 1,003 SH   SOLE   0 0 1,003
VANGUARD INDEX FDS SM CP VAL ETF 922908611   234,048 1,181 SH   SOLE   0 0 1,181
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   381,553 1,504 SH   SOLE   0 0 1,504
VANGUARD INDEX FDS TOTAL STK MKT 922908769   375,304 1,295 SH   SOLE   0 0 1,295
VANGUARD INDEX FDS VALUE ETF 922908744   2,682,728 15,846 SH   SOLE   60 0 15,786
VANGUARD INDEX FDS SMALL CP ETF 922908751   243,182 1,012 SH   SOLE   0 0 1,012
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   345,620 2,136 SH   SOLE   0 0 2,136
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,112,752 36,314 SH   SOLE   260 0 36,054
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   240,967 3,089 SH   SOLE   1 0 3,088
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   24,131,439 532,233 SH   SOLE   7,418 0 524,815
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   566,906 11,855 SH   SOLE   0 0 11,855
VISA INC COM CL A 92826C839   213,327 675 SH   SOLE   0 0 675
WALMART INC COM 931142103   308,816 3,418 SH   SOLE   0 0 3,418
WELLS FARGO CO NEW COM 949746101   581,938 8,285 SH   SOLE   0 0 8,285
WIPRO LTD SPON ADR 1 SH 97651M109   63,182 17,848 SH   SOLE   0 0 17,848