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
ADVANCED MICRO DEVICES INC COM 007903107   268,728 1,823 SH   SOLE   0 0 1,823
ALPHABET INC CAP STK CL C 02079K107   264,244 1,875 SH   SOLE   0 0 1,875
ALPS ETF TR ALERIAN MLP 00162Q452   221,742 5,215 SH   SOLE   0 0 5,215
AMAZON COM INC COM 023135106   244,320 1,608 SH   SOLE   0 0 1,608
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   20,474,943 338,821 SH   SOLE   0 0 338,821
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   317,731 5,635 SH   SOLE   0 0 5,635
AMERICAN CENTY ETF TR US SML CP VALU 025072877   15,690,371 174,726 SH   SOLE   0 0 174,726
APPLE INC COM 037833100   1,682,305 8,738 SH   SOLE   0 0 8,738
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   813,185 2,280 SH   SOLE   0 0 2,280
BNY MELLON ETF TRUST HIGH YIELD BETA 09661T800   207,011 4,371 SH   SOLE   0 0 4,371
CHEVRON CORP NEW COM 166764100   258,403 1,732 SH   SOLE   0 0 1,732
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   376,412 14,937 SH   SOLE   0 0 14,937
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   922,970 17,808 SH   SOLE   0 0 17,808
EXXON MOBIL CORP COM 30231G102   1,172,365 11,726 SH   SOLE   0 0 11,726
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   242,292 4,090 SH   SOLE   0 0 4,090
FORD MTR CO DEL COM 345370860   332,619 27,286 SH   SOLE   0 0 27,286
HOME DEPOT INC COM 437076102   525,370 1,516 SH   SOLE   0 0 1,516
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   266,247 11,536 SH   SOLE   0 0 11,536
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   484,323 22,867 SH   SOLE   0 0 22,867
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   547,429 6,171 SH   SOLE   0 0 6,171
INVESCO QQQ TR UNIT SER 1 46090E103   1,224,980 2,991 SH   SOLE   0 0 2,991
ISHARES INC CORE MSCI EMKT 46434G103   1,745,299 34,506 SH   SOLE   0 0 34,506
ISHARES TR CORE INTL AGGR 46435G672   1,502,949 30,180 SH   SOLE   0 0 30,180
ISHARES TR CORE S&P500 ETF 464287200   202,515 424 SH   SOLE   0 0 424
ISHARES TR RUS 1000 GRW ETF 464287614   539,643 1,780 SH   SOLE   0 0 1,780
ISHARES TR RUS MID CAP ETF 464287499   232,568 2,992 SH   SOLE   0 0 2,992
ISHARES TR NATIONAL MUN ETF 464288414   336,288 3,102 SH   SOLE   0 0 3,102
ISHARES TR CORE US AGGBD ET 464287226   7,142,172 71,961 SH   SOLE   0 0 71,961
ISHARES TR TIPS BD ETF 464287176   385,421 3,586 SH   SOLE   0 0 3,586
ISHARES TR MORNINGSTAR GRWT 464287119   244,263 3,602 SH   SOLE   0 0 3,602
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   612,132 12,012 SH   SOLE   0 0 12,012
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   422,081 7,677 SH   SOLE   0 0 7,677
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   383,213 7,675 SH   SOLE   0 0 7,675
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134   28,079,700 480,488 SH   SOLE   0 0 480,488
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,134,405 22,584 SH   SOLE   0 0 22,584
JPMORGAN CHASE & CO COM 46625H100   252,423 1,484 SH   SOLE   0 0 1,484
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   236,734 9,190 SH   SOLE   0 0 9,190
META PLATFORMS INC CL A 30303M102   254,851 720 SH   SOLE   0 0 720
MICROSOFT CORP COM 594918104   613,862 1,632 SH   SOLE   0 0 1,632
NORFOLK SOUTHN CORP COM 655844108   1,536,470 6,500 SH   SOLE   0 0 6,500
OREILLY AUTOMOTIVE INC COM 67103H107   248,921 262 SH   SOLE   0 0 262
PEPSICO INC COM 713448108   248,208 1,461 SH   SOLE   0 0 1,461
PIMCO ETF TR MULTISECTOR BD 72201R585   5,717,020 222,755 SH   SOLE   0 0 222,755
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   2,496,830 26,349 SH   SOLE   0 0 26,349
PROCTER AND GAMBLE CO COM 742718109   274,616 1,874 SH   SOLE   0 0 1,874
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   322,233 8,718 SH   SOLE   0 0 8,718
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   233,830 4,146 SH   SOLE   0 0 4,146
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,031,766 43,009 SH   SOLE   0 0 43,009
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,645,220 34,746 SH   SOLE   0 0 34,746
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,773,973 63,383 SH   SOLE   0 0 63,383
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   934,133 19,280 SH   SOLE   0 0 19,280
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   335,571 6,749 SH   SOLE   0 0 6,749
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   222,530 3,514 SH   SOLE   0 0 3,514
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   939,460 26,531 SH   SOLE   0 0 26,531
TESLA INC COM 88160R101   240,032 966 SH   SOLE   0 0 966
VANECK ETF TRUST BDC INCOME ETF 92189F411   316,180 19,712 SH   SOLE   0 0 19,712
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   208,735 2,838 SH   SOLE   0 0 2,838
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,058,511 40,043 SH   SOLE   0 0 40,043
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,613,588 52,944 SH   SOLE   0 0 52,944
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,334,868 7,635 SH   SOLE   0 0 7,635
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   301,786 2,081 SH   SOLE   0 0 2,081
VANGUARD INDEX FDS MID CAP ETF 922908629   8,966,332 38,542 SH   SOLE   0 0 38,542
VANGUARD INDEX FDS SM CP VAL ETF 922908611   490,881 2,728 SH   SOLE   0 0 2,728
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,707,845 40,819 SH   SOLE   0 0 40,819
VANGUARD INDEX FDS TOTAL STK MKT 922908769   459,021 1,935 SH   SOLE   0 0 1,935
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   271,229 5,313 SH   SOLE   0 0 5,313
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   44,641,498 261,981 SH   SOLE   0 0 261,981
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,371,513 40,916 SH   SOLE   0 0 40,916
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   355,099 7,413 SH   SOLE   0 0 7,413
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   721,868 9,098 SH   SOLE   0 0 9,098
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,749,835 116,556 SH   SOLE   0 0 116,556
WALMART INC COM 931142103   283,715 1,800 SH   SOLE   0 0 1,800