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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   406,277 1,579 SH   SOLE   0 0 1,579
AERCAP HOLDINGS NV SHS N00985106   423,342 10,001 SH   SOLE   0 0 10,001
AKAMAI TECHNOLOGIES INC COM 00971T101   267,546 3,331 SH   SOLE   0 0 3,331
ALLIANCE RESOURCE PARTNERS L UT LTD PART 01877R108   3,262,113 142,450 SH   SOLE   0 0 142,450
ALLSTATE CORP COM 020002101   378,696 3,041 SH   SOLE   0 0 3,041
ALPHABET INC CAP STK CL A 02079K305   244,003 2,551 SH   SOLE   0 0 2,551
ALPHABET INC CAP STK CL C 02079K107   538,825 5,604 SH   SOLE   0 0 5,604
AMAZON COM INC COM 023135106   306,230 2,710 SH   SOLE   0 0 2,710
AMERICAN CENTY ETF TR US SML CP VALU 025072877   156,146,843 2,360,853 SH   SOLE   0 0 2,360,853
AMERICAN INTL GROUP INC COM NEW 026874784   473,471 9,972 SH   SOLE   0 0 9,972
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   186,426 10,864 SH   SOLE   0 0 10,864
APPLE INC COM 037833100   987,577 7,146 SH   SOLE   0 0 7,146
BK OF AMERICA CORP COM 060505104   278,504 9,222 SH   SOLE   0 0 9,222
CATERPILLAR INC COM 149123101   419,388 2,556 SH   SOLE   0 0 2,556
CIGNA CORP NEW COM 125523100   528,025 1,903 SH   SOLE   0 0 1,903
COMCAST CORP NEW CL A 20030N101   312,277 10,647 SH   SOLE   0 0 10,647
CONOCOPHILLIPS COM 20825C104   414,989 4,055 SH   SOLE   0 0 4,055
COSTCO WHSL CORP NEW COM 22160K105   474,159 1,004 SH   SOLE   0 0 1,004
D R HORTON INC COM 23331A109   353,722 5,252 SH   SOLE   0 0 5,252
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,183,634 133,016 SH   SOLE   0 0 133,016
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   854,928 38,441 SH   SOLE   0 0 38,441
EOG RES INC COM 26875P101   366,027 3,276 SH   SOLE   0 0 3,276
EXXON MOBIL CORP COM 30231G102   324,823 3,720 SH   SOLE   0 0 3,720
FISERV INC COM 337738108   201,643 2,155 SH   SOLE   0 0 2,155
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   289,333 12,365 SH   SOLE   0 0 12,365
GENERAL DYNAMICS CORP COM 369550108   283,035 1,334 SH   SOLE   0 0 1,334
GENERAL MTRS CO COM 37045V100   448,297 13,970 SH   SOLE   0 0 13,970
HOME DEPOT INC COM 437076102   343,821 1,246 SH   SOLE   0 0 1,246
HONEYWELL INTL INC COM 438516106   361,657 2,166 SH   SOLE   0 0 2,166
HUMANA INC COM 444859102   227,554 469 SH   SOLE   0 0 469
INTERCONTINENTAL EXCHANGE IN COM 45866F104   309,449 3,425 SH   SOLE   0 0 3,425
INTUIT COM 461202103   313,342 809 SH   SOLE   0 0 809
ISHARES TR TIPS BD ETF 464287176   301,168 2,871 SH   SOLE   0 0 2,871
ISHARES TR CORE S&P TTL STK 464287150   212,054 2,666 SH   SOLE   0 0 2,666
ISHARES TR EAFE SML CP ETF 464288273   218,242 4,474 SH   SOLE   0 0 4,474
ISHARES TR EAFE VALUE ETF 464288877   1,256,224 32,604 SH   SOLE   0 0 32,604
ISHARES TR CORE S&P MCP ETF 464287507   332,179 1,515 SH   SOLE   0 0 1,515
ISHARES TR MSCI USA VALUE 46432F388   368,364,138 4,499,928 SH   SOLE   0 0 4,499,928
ISHARES TR CORE S&P US VLU 464287663   233,160 3,724 SH   SOLE   0 0 3,724
ISHARES TR RUS 1000 GRW ETF 464287614   235,017 1,117 SH   SOLE   0 0 1,117
ISHARES TR RUS 1000 VAL ETF 464287598   549,808 4,043 SH   SOLE   0 0 4,043
ISHARES TR RUS 2000 GRW ETF 464287648   533,002 2,580 SH   SOLE   0 0 2,580
JPMORGAN CHASE & CO COM 46625H100   253,935 2,430 SH   SOLE   0 0 2,430
KEURIG DR PEPPER INC COM 49271V100   298,990 8,347 SH   SOLE   0 0 8,347
LEIDOS HOLDINGS INC COM 525327102   575,859 6,584 SH   SOLE   0 0 6,584
MEDTRONIC PLC SHS G5960L103   304,266 3,768 SH   SOLE   0 0 3,768
MERCK & CO INC COM 58933Y105   376,517 4,372 SH   SOLE   0 0 4,372
MICROSOFT CORP COM 594918104   595,060 2,555 SH   SOLE   0 0 2,555
MONDELEZ INTL INC CL A 609207105   235,056 4,287 SH   SOLE   0 0 4,287
MOTOROLA SOLUTIONS INC COM NEW 620076307   335,283 1,497 SH   SOLE   0 0 1,497
NEXTERA ENERGY INC COM 65339F101   398,715 5,085 SH   SOLE   0 0 5,085
PARKER-HANNIFIN CORP COM 701094104   209,840 866 SH   SOLE   0 0 866
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   67,696,823 684,775 SH   SOLE   0 0 684,775
PROCTER AND GAMBLE CO COM 742718109   674,049 5,339 SH   SOLE   0 0 5,339
RAYONIER INC COM 754907103   204,096 6,810 SH   SOLE   0 0 6,810
RAYTHEON TECHNOLOGIES CORP COM 75513E101   389,081 4,753 SH   SOLE   0 0 4,753
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,350,165 53,685 SH   SOLE   0 0 53,685
SCIENCE APPLICATIONS INTL CO COM 808625107   485,481 5,490 SH   SOLE   0 0 5,490
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   221,385 8,492 SH   SOLE   0 0 8,492
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   707,352 14,302 SH   SOLE   0 0 14,302
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,218,088 6,210 SH   SOLE   0 0 6,210
SPDR SER TR PRTFLO S&P500 VL 78464A508   564,325 16,362 SH   SOLE   0 0 16,362
STRYKER CORPORATION COM 863667101   231,706 1,144 SH   SOLE   0 0 1,144
TELEFLEX INCORPORATED COM 879369106   290,304 1,441 SH   SOLE   0 0 1,441
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   444,631 3,498 SH   SOLE   0 0 3,498
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   414,274 5,167 SH   SOLE   0 0 5,167
VANGUARD INDEX FDS GROWTH ETF 922908736   383,826 1,794 SH   SOLE   0 0 1,794
VANGUARD INDEX FDS TOTAL STK MKT 922908769   545,589 3,040 SH   SOLE   0 0 3,040
VANGUARD INDEX FDS LARGE CAP ETF 922908637   864,905 5,288 SH   SOLE   0 0 5,288
VANGUARD INDEX FDS SM CP VAL ETF 922908611   57,154,060 398,564 SH   SOLE   0 0 398,564
VANGUARD INDEX FDS VALUE ETF 922908744   389,085 3,151 SH   SOLE   0 0 3,151
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   167,233,440 1,801,890 SH   SOLE   0 0 1,801,890
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   10,810,531 283,295 SH   SOLE   0 0 283,295
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   319,672 4,224 SH   SOLE   0 0 4,224
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   356,958 2,641 SH   SOLE   0 0 2,641
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   200,738 3,857 SH   SOLE   0 0 3,857
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   452,198 4,766 SH   SOLE   0 0 4,766
VANGUARD WORLD FDS ENERGY ETF 92204A306   516,941 5,089 SH   SOLE   0 0 5,089
VANGUARD WORLD FDS MATERIALS ETF 92204A801   473,015 3,187 SH   SOLE   0 0 3,187
VISA INC COM CL A 92826C839   472,727 2,661 SH   SOLE   0 0 2,661
VULCAN MATLS CO COM 929160109   368,884 2,339 SH   SOLE   0 0 2,339
WALMART INC COM 931142103   502,847 3,877 SH   SOLE   0 0 3,877
WASTE MGMT INC DEL COM 94106L109   339,485 2,119 SH   SOLE   0 0 2,119
WISDOMTREE TR INTL QULTY DIV 97717X131   300,420 11,418 SH   SOLE   0 0 11,418
WISDOMTREE TR NEW ECON REAL ES 97717W331   338,066 21,657 SH   SOLE   0 0 21,657
WISDOMTREE TR US LARGECAP DIVD 97717W307   307,523 5,565 SH   SOLE   0 0 5,565
WISDOMTREE TR INTL SMCAP DIV 97717W760   231,203 4,495 SH   SOLE   0 0 4,495
WISDOMTREE TR US MIDCAP FUND 97717W570   930,598 21,160 SH   SOLE   0 0 21,160