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
Estimated average burden
hours per response: 23.8
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   243,480 1,743 SH   SOLE   0 0 1,743
ALPHABET INC CAP STK CL C 02079K107   220,133 1,562 SH   SOLE   0 0 1,562
AMAZON COM INC COM 023135106   455,212 2,996 SH   SOLE   0 0 2,996
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,490,612 61,143 SH   SOLE   0 0 61,143
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   8,795,647 145,551 SH   SOLE   0 0 145,551
APPLE INC COM 037833100   1,114,556 5,789 SH   SOLE   0 0 5,789
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,636,356 4,588 SH   SOLE   0 0 4,588
BROADCOM INC COM 11135F101   257,854 231 SH   SOLE   0 0 231
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   13,605,912 228,211 SH   SOLE   0 0 228,211
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,423,460 137,158 SH   SOLE   0 0 137,158
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   989,675 28,803 SH   SOLE   0 0 28,803
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   7,915,336 151,258 SH   SOLE   0 0 151,258
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,344,769 143,599 SH   SOLE   0 0 143,599
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   12,282,285 481,092 SH   SOLE   0 0 481,092
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   20,152,527 689,447 SH   SOLE   0 0 689,447
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   10,022,398 350,311 SH   SOLE   0 0 350,311
ELI LILLY & CO COM 532457108   222,093 381 SH   SOLE   0 0 381
ISHARES INC CORE MSCI EMKT 46434G103   4,921,513 97,302 SH   SOLE   0 0 97,302
ISHARES TR CORE S&P US VLU 464287663   11,066,373 131,227 SH   SOLE   0 0 131,227
ISHARES TR RUSSELL 3000 ETF 464287689   4,175,356 15,253 SH   SOLE   0 0 15,253
ISHARES TR RUS 2000 VAL ETF 464287630   698,053 4,494 SH   SOLE   0 0 4,494
ISHARES TR SP SMCP600VL ETF 464287879   4,679,963 45,406 SH   SOLE   0 0 45,406
ISHARES TR CORE S&P SCP ETF 464287804   20,147,858 186,123 SH   SOLE   0 0 186,123
ISHARES TR TIPS BD ETF 464287176   15,194,257 141,355 SH   SOLE   0 0 141,355
ISHARES TR NATIONAL MUN ETF 464288414   29,360,555 270,829 SH   SOLE   0 0 270,829
ISHARES TR SHRT NAT MUN ETF 464288158   6,287,634 59,638 SH   SOLE   0 0 59,638
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,489,595 25,252 SH   SOLE   0 0 25,252
ISHARES TR MSCI USA QLT FCT 46432F339   10,511,841 71,441 SH   SOLE   0 0 71,441
ISHARES TR MBS ETF 464288588   12,176,022 129,422 SH   SOLE   0 0 129,422
ISHARES TR CORE 1 5 YR USD 46432F859   4,707,569 98,982 SH   SOLE   0 0 98,982
ISHARES TR S&P MC 400VL ETF 464287705   14,573,866 127,796 SH   SOLE   0 0 127,796
ISHARES TR ISHS 1-5YR INVS 464288646   25,565,424 498,594 SH   SOLE   0 0 498,594
ISHARES TR RUS MID CAP ETF 464287499   316,236 4,068 SH   SOLE   0 0 4,068
ISHARES TR RUSSELL 2000 ETF 464287655   725,195 3,613 SH   SOLE   0 0 3,613
ISHARES TR CORE S&P MCP ETF 464287507   78,728,334 284,064 SH   SOLE   0 0 284,064
ISHARES TR S&P 500 VAL ETF 464287408   21,261,064 122,267 SH   SOLE   0 0 122,267
ISHARES TR ISHS 5-10YR INVT 464288638   255,864 4,920 SH   SOLE   0 0 4,920
ISHARES TR RUS 1000 VAL ETF 464287598   632,081 3,825 SH   SOLE   0 0 3,825
ISHARES TR CORE US AGGBD ET 464287226   20,709,039 208,655 SH   SOLE   0 0 208,655
ISHARES TR MORNINGSTR US EQ 464287127   220,701 3,356 SH   SOLE   0 0 3,356
ISHARES TR CORE S&P500 ETF 464287200   13,110,879 27,450 SH   SOLE   0 0 27,450
ISHARES TR MSCI EAFE ETF 464287465   253,559 3,365 SH   SOLE   0 0 3,365
JPMORGAN CHASE & CO COM 46625H100   268,928 1,581 SH   SOLE   0 0 1,581
META PLATFORMS INC CL A 30303M102   292,017 825 SH   SOLE   0 0 825
MICROSOFT CORP COM 594918104   1,095,405 2,913 SH   SOLE   0 0 2,913
NVIDIA CORPORATION COM 67066G104   317,436 641 SH   SOLE   0 0 641
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,968,046 97,127 SH   SOLE   0 0 97,127
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,171,998 34,746 SH   SOLE   0 0 34,746
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,347,011 176,694 SH   SOLE   0 0 176,694
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   582,321 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR US REIT ETF 808524847   471,525 22,768 SH   SOLE   0 0 22,768
SCHWAB STRATEGIC TR US TIPS ETF 808524870   43,066,189 825,023 SH   SOLE   0 0 825,023
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   12,136,343 215,183 SH   SOLE   0 0 215,183
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,317,993 203,372 SH   SOLE   0 0 203,372
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   292,632 5,120 SH   SOLE   0 0 5,120
SPDR S&P 500 ETF TR TR UNIT 78462F103   37,465,992 78,824 SH   SOLE   0 0 78,824
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,960,051 19,630 SH   SOLE   0 0 19,630
SPDR SER TR PORTFOLIO S&P400 78464A847   466,397 9,573 SH   SOLE   0 0 9,573
SPDR SER TR S&P 400 MDCP VAL 78464A839   47,344,996 645,203 SH   SOLE   0 0 645,203
SPDR SER TR S&P 600 SMCP VAL 78464A300   14,140,585 169,735 SH   SOLE   0 0 169,735
SPDR SER TR PRTFLO S&P500 VL 78464A508   102,918,817 2,207,137 SH   SOLE   0 0 2,207,137
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,781,333 88,005 SH   SOLE   0 0 88,005
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   11,680,539 133,982 SH   SOLE   0 0 133,982
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   73,200,238 995,245 SH   SOLE   0 0 995,245
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,004,046 207,791 SH   SOLE   0 0 207,791
VANGUARD INDEX FDS LARGE CAP ETF 922908637   826,963 3,791 SH   SOLE   0 0 3,791
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,792,927 31,608 SH   SOLE   0 0 31,608
VANGUARD INDEX FDS VALUE ETF 922908744   8,028,830 53,705 SH   SOLE   0 0 53,705
VANGUARD INDEX FDS TOTAL STK MKT 922908769   836,783 3,527 SH   SOLE   0 0 3,527
VANGUARD INDEX FDS SMALL CP ETF 922908751   771,452 3,616 SH   SOLE   0 0 3,616
VANGUARD INDEX FDS MID CAP ETF 922908629   1,046,426 4,498 SH   SOLE   0 0 4,498
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   11,730,409 80,894 SH   SOLE   0 0 80,894
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   111,275,325 254,751 SH   SOLE   0 0 254,751
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,646,634 25,819 SH   SOLE   0 0 25,819
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,990,241 72,755 SH   SOLE   0 0 72,755
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   412,526 4,010 SH   SOLE   0 0 4,010
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,991,032 105,096 SH   SOLE   0 0 105,096
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   53,664,221 1,051,209 SH   SOLE   0 0 1,051,209
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   331,244 4,075 SH   SOLE   0 0 4,075
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,776,275 47,596 SH   SOLE   0 0 47,596
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   45,703,510 590,714 SH   SOLE   0 0 590,714
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   640,709 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   984,747 20,558 SH   SOLE   0 0 20,558
WISDOMTREE TR US LARGECAP DIVD 97717W307   268,576 4,046 SH   SOLE   0 0 4,046