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   1,079,262 1,747 SH   SOLE   0 0 1,747
ALPHABET INC CAP STK CL A 02079K305   414,556 2,959 SH   SOLE   0 0 2,959
ALPHABET INC CAP STK CL C 02079K107   939,709 6,627 SH   SOLE   0 0 6,627
AMAZON COM INC COM 023135106   642,683 4,141 SH   SOLE   0 0 4,141
AMERICAN CENTY ETF TR US SML CP VALU 025072877   39,939,586 458,023 SH   SOLE   30,366 0 427,657
AMERICAN CENTY ETF TR US EQT ETF 025072885   2,536,580 30,972 SH   SOLE   1 0 30,971
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,072,684 38,003 SH   SOLE   8,252 0 29,751
AMGEN INC COM 031162100   518,060 1,649 SH   SOLE   0 0 1,649
APPLE INC COM 037833100   12,465,305 67,599 SH   SOLE   0 0 67,599
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,326,999 6,064 SH   SOLE   0 0 6,064
BOOKING HOLDINGS INC COM 09857L108   536,643 153 SH   SOLE   0 0 153
BRF SA SPONSORED ADR 10552T107   29,750 10,625 SH   SOLE   0 0 10,625
BROADCOM INC COM 11135F101   277,300 235 SH   SOLE   0 0 235
CADENCE DESIGN SYSTEM INC COM 127387108   242,306 840 SH   SOLE   0 0 840
CITIGROUP INC COM NEW 172967424   336,851 5,997 SH   SOLE   0 0 5,997
DEXCOM INC COM 252131107   635,510 5,237 SH   SOLE   0 0 5,237
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,850,344 269,309 SH   SOLE   29,573 0 239,736
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   92,510,669 1,762,444 SH   SOLE   123,535 0 1,638,909
EA SERIES TRUST FREEDOM 100 EM 02072L607   21,599,842 700,611 SH   SOLE   33,509 0 667,102
ELI LILLY & CO COM 532457108   839,293 1,300 SH   SOLE   0 0 1,300
ENEL CHILE S.A. SPONSORED ADR 29278D105   32,666 11,303 SH   SOLE   0 0 11,303
EXXON MOBIL CORP COM 30231G102   242,323 2,357 SH   SOLE   0 0 2,357
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   349,774 7,647 SH   SOLE   0 0 7,647
FISERV INC COM 337738108   1,229,304 8,665 SH   SOLE   0 0 8,665
GENERAL ELECTRIC CO COM NEW 369604301   404,676 3,056 SH   SOLE   0 0 3,056
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300   66,784 10,789 SH   SOLE   0 0 10,789
HOME DEPOT INC COM 437076102   514,011 1,456 SH   SOLE   0 0 1,456
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   220,733 6,591 SH   SOLE   0 0 6,591
INFOSYS LTD SPONSORED ADR 456788108   253,731 12,776 SH   SOLE   0 0 12,776
INTEL CORP COM 458140100   361,872 8,400 SH   SOLE   0 0 8,400
INTUIT COM 461202103   332,085 526 SH   SOLE   0 0 526
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   517,701 7,482 SH   SOLE   0 0 7,482
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   257,713 4,083 SH   SOLE   1,546 0 2,537
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   2,206,452 44,191 SH   SOLE   232 0 43,959
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,512,570 27,165 SH   SOLE   0 0 27,165
INVESCO QQQ TR UNIT SER 1 46090E103   897,510 2,152 SH   SOLE   0 0 2,152
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   316,068 15,094 SH   SOLE   0 0 15,094
ISHARES TR US TREAS BD ETF 46429B267   1,587,483 69,021 SH   SOLE   5,391 0 63,630
ISHARES TR CORE MSCI TOTAL 46432F834   490,108 7,680 SH   SOLE   0 0 7,680
ISHARES TR RUSSELL 3000 ETF 464287689   9,735,985 35,222 SH   SOLE   1,975 0 33,247
ISHARES TR RUS TP200 GR ETF 464289438   43,761,196 242,727 SH   SOLE   14,888 0 227,839
ISHARES TR CORE S&P MCP ETF 464287507   641,635 2,356 SH   SOLE   0 0 2,356
ISHARES TR RUS 1000 GRW ETF 464287614   278,818 898 SH   SOLE   0 0 898
ISHARES TR MSCI USA MIN VOL 46429B697   1,126,636 14,132 SH   SOLE   0 0 14,132
ISHARES TR MSCI USA QLT FCT 46432F339   28,085,766 186,616 SH   SOLE   10,341 0 176,276
ISHARES TR 1 3 YR TREAS BD 464287457   514,951 6,257 SH   SOLE   0 0 6,257
ISHARES TR GLOBAL TECH ETF 464287291   712,319 10,192 SH   SOLE   0 0 10,192
ISHARES TR MSCI USA MMENTM 46432F396   488,773 2,951 SH   SOLE   0 0 2,951
ISHARES TR MSCI INTL VLU FT 46435G409   678,661 25,785 SH   SOLE   0 0 25,785
ISHARES TR CORE S&P500 ETF 464287200   3,215,713 6,628 SH   SOLE   2,241 0 4,387
ISHARES TR EAFE VALUE ETF 464288877   289,088 5,609 SH   SOLE   0 0 5,609
ISHARES TR ISHS 1-5YR INVS 464288646   3,265,994 63,442 SH   SOLE   52 0 63,390
ISHARES TR INTERNATIONAL SL 46434V266   19,497,014 620,529 SH   SOLE   36,882 0 583,647
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   5,775,484 117,579 SH   SOLE   12,330 0 105,249
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   869,084 17,213 SH   SOLE   0 0 17,213
JPMORGAN CHASE & CO COM 46625H100   370,717 2,126 SH   SOLE   0 0 2,126
LENNAR CORP CL A 526057104   836,163 5,580 SH   SOLE   0 0 5,580
LG DISPLAY CO LTD SPONS ADR REP 50186V102   84,510 19,608 SH   SOLE   0 0 19,608
LOWES COS INC COM 548661107   227,313 1,068 SH   SOLE   0 0 1,068
MASTERCARD INCORPORATED CL A 57636Q104   1,292,884 2,878 SH   SOLE   0 0 2,878
META PLATFORMS INC CL A 30303M102   945,699 2,424 SH   SOLE   0 0 2,424
MICROSOFT CORP COM 594918104   1,160,323 2,918 SH   SOLE   0 0 2,918
NETFLIX INC COM 64110L106   262,875 466 SH   SOLE   0 0 466
NOVO-NORDISK A S ADR 670100205   535,377 4,666 SH   SOLE   0 0 4,666
NVIDIA CORPORATION COM 67066G104   281,178 457 SH   SOLE   0 0 457
PACER FDS TR US CASH COWS 100 69374H881   48,361,290 935,241 SH   SOLE   61,787 0 873,453
PIMCO ETF TR ACTIVE BD ETF 72201R775   10,804,730 116,909 SH   SOLE   6,091 0 110,818
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   14,229,719 285,508 SH   SOLE   5,830 0 279,678
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,781,368 209,335 SH   SOLE   0 0 209,335
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,685,341 46,035 SH   SOLE   0 0 46,035
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   226,146 1,144 SH   SOLE   0 0 1,144
SELECT SECTOR SPDR TR ENERGY 81369Y506   217,869 2,612 SH   SOLE   0 0 2,612
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   64,733,925 890,670 SH   SOLE   48,068 0 842,603
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,587,684 5,359 SH   SOLE   698 0 4,661
SPDR SER TR S&P 600 SMCP VAL 78464A300   329,101 4,178 SH   SOLE   0 0 4,178
SYNOPSYS INC COM 871607107   275,209 516 SH   SOLE   0 0 516
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   697,641 6,176 SH   SOLE   0 0 6,176
TELEFONICA S A SPONSORED ADR 879382208   96,708 23,645 SH   SOLE   0 0 23,645
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   149,366 19,373 SH   SOLE   0 0 19,373
UNITEDHEALTH GROUP INC COM 91324P102   533,233 1,042 SH   SOLE   0 0 1,042
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   815,336 1,837 SH   SOLE   2 0 1,835
VANGUARD INDEX FDS MID CAP ETF 922908629   291,288 1,271 SH   SOLE   1,271 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   285,205 1,189 SH   SOLE   0 0 1,189
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,312,623 6,323 SH   SOLE   1,831 0 4,492
VANGUARD INDEX FDS VALUE ETF 922908744   3,667,284 24,319 SH   SOLE   911 0 23,408
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   74,017,059 953,582 SH   SOLE   30,416 0 923,166
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   56,430,352 963,962 SH   SOLE   30,751 0 933,211
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   534,541 11,282 SH   SOLE   197 0 11,085
VIZIO HLDG CORP CL A COM 92858V101   210,000 30,000 SH   SOLE   0 0 30,000
WIPRO LTD SPON ADR 1 SH 97651M109   61,196 10,812 SH   SOLE   0 0 10,812