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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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
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100   2,006,832 67,482 SH   SOLE   67,482 0 0
ALPHABET INC CAP STK CL C 02079K107   30,757 202 SH   SOLE   202 0 0
ALPHABET INC CAP STK CL A 02079K305   478,297 3,169 SH   SOLE   3,169 0 0
AMAZON COM INC COM 023135106   2,062,465 11,434 SH   SOLE   11,434 0 0
APPLE INC COM 037833100   2,967,804 17,307 SH   SOLE   17,307 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   200,377 6,443 SH   SOLE   6,443 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   224,558 534 SH   SOLE   534 0 0
COCA COLA CO COM 191216100   331,961 5,383 SH   SOLE   5,383 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   618,622 16,930 SH   SOLE   16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,200,288 72,809 SH   SOLE   72,809 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   12,857,997 520,146 SH   SOLE   520,146 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   54,239,661 951,907 SH   SOLE   951,907 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   591,607 9,490 SH   SOLE   9,490 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   497,190 19,840 SH   SOLE   19,840 0 0
DISNEY WALT CO COM 254687106   250,349 2,046 SH   SOLE   2,046 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   217,139 3,684 SH   SOLE   3,684 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   616,142 6,445 SH   SOLE   6,445 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   14,750,783 359,162 SH   SOLE   359,162 0 0
ISHARES GOLD TR ISHARES NEW 464285204   960,349 22,860 SH   SOLE   22,860 0 0
ISHARES TR TIPS BD ETF 464287176   204,723 1,906 SH   SOLE   1,906 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,467,251 4,693 SH   SOLE   4,693 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,280,258 31,165 SH   SOLE   31,165 0 0
ISHARES TR S&P 500 VAL ETF 464287408   28,769 154 SH   SOLE   154 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   1,799 22 SH   SOLE   22 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,663,484 20,830 SH   SOLE   20,830 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,121,648 34,930 SH   SOLE   34,930 0 0
ISHARES TR ISHARES BIOTECH 464287556   478,212 3,485 SH   SOLE   3,485 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,307,444 6,846 SH   SOLE   6,846 0 0
ISHARES TR U.S. FINLS ETF 464287788   3,117,329 32,591 SH   SOLE   32,591 0 0
ISHARES TR CORE S&P SCP ETF 464287804   25,935,949 234,672 SH   SOLE   234,672 0 0
ISHARES TR US AER DEF ETF 464288760   453,311 3,436 SH   SOLE   3,436 0 0
ISHARES TR US OIL EQ&SV ETF 464288844   348,412 14,732 SH   SOLE   14,732 0 0
ISHARES TR EAFE GRWTH ETF 464288885   501,098 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842   41,913,634 564,722 SH   SOLE   564,722 0 0
MICROSOFT CORP COM 594918104   281,041 668 SH   SOLE   668 0 0
OPKO HEALTH INC COM 68375N103   17,675 14,729 SH   SOLE   14,729 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,539,850 12,630 SH   SOLE   12,630 0 0
RTX CORPORATION COM 75513E101   290,542 2,979 SH   SOLE   2,979 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   878,816 24,548 SH   SOLE   24,548 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   441,320 4,751 SH   SOLE   4,751 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,210,336 14,962 SH   SOLE   14,962 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,240,315 16,243 SH   SOLE   16,243 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,084,577 11,336 SH   SOLE   11,336 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,617,578 12,842 SH   SOLE   12,842 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   6,276,008 30,134 SH   SOLE   30,134 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,337,917 16,384 SH   SOLE   16,384 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   612,992 15,507 SH   SOLE   15,507 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   385,759 5,876 SH   SOLE   5,876 0 0
SPDR GOLD TR GOLD SHS 78463V107   893,442 4,343 SH   SOLE   4,343 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,585,072 8,739 SH   SOLE   8,739 0 0
UNILEVER PLC SPON ADR NEW 904767704   219,983 4,383 SH   SOLE   4,383 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,184,275 30,074 SH   SOLE   30,074 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   42,305,790 853,800 SH   SOLE   853,800 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   323,030 672 SH   SOLE   672 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   273,190 3,159 SH   SOLE   3,159 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,515,276 7,897 SH   SOLE   7,897 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   49,630 207 SH   SOLE   207 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,060,754 22,139 SH   SOLE   22,139 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,858,252 33,022 SH   SOLE   33,022 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,319,177 438,573 SH   SOLE   438,573 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   10,662,230 210,716 SH   SOLE   210,716 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   7,970,398 137,255 SH   SOLE   137,255 0 0
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   1,762 23 SH   SOLE   23 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,280,289 14,772 SH   SOLE   14,772 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,378,874 17,534 SH   SOLE   17,534 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,175,040 28,339 SH   SOLE   28,339 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,510,468 30,107 SH   SOLE   30,107 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,138,982 17,679 SH   SOLE   17,679 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   1,128,801 8,571 SH   SOLE   8,571 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   105,509 740 SH   SOLE   740 0 0