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
AIM ETF PRODUCTS TRUST US LRGCP B20 NOV 00888H844   294,901 9,152 SH   SOLE   0 0 9,152
ALBERTSONS COS INC COMMON STOCK 013091103   1,690,382 78,586 SH   SOLE   0 0 78,585
ALPHABET INC CAP STK CL A 02079K305   259,869 1,475 SH   SOLE   0 0 1,474
ALPHABET INC CAP STK CL C 02079K107   296,264 1,670 SH   SOLE   0 0 1,670
AMAZON COM INC COM 023135106   364,187 1,660 SH   SOLE   0 0 1,660
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   194,711,197 2,455,994 SH   SOLE   0 0 2,455,993
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   181,290,369 3,515,423 SH   SOLE   0 0 3,515,423
AMERICAN CENTY ETF TR US SML CP VALU 025072877   251,558,476 2,761,344 SH   SOLE   0 0 2,761,344
APPLE INC COM 037833100   1,033,574 5,038 SH   SOLE   0 0 5,037
ARISTA NETWORKS INC COM SHS 040413205   607,721 5,940 SH   SOLE   0 0 5,940
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   17,533,058 443,987 SH   SOLE   0 0 443,987
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   9,773,072 240,420 SH   SOLE   0 0 240,419
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   8,241,254 303,769 SH   SOLE   0 0 303,769
CHEVRON CORP NEW COM 166764100   265,241 1,852 SH   SOLE   0 0 1,852
COSTCO WHSL CORP NEW COM 22160K105   412,540 417 SH   SOLE   0 0 416
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   6,448,269 119,501 SH   SOLE   0 0 119,500
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,397,254 38,986 SH   SOLE   0 0 38,985
DT MIDSTREAM INC COMMON STOCK 23345M107   452,609 4,118 SH   SOLE   0 0 4,118
DTE ENERGY CO COM 233331107   942,320 7,114 SH   SOLE   0 0 7,114
ELI LILLY & CO COM 532457108   257,841 331 SH   SOLE   0 0 330
EXXON MOBIL CORP COM 30231G102   1,744,554 16,183 SH   SOLE   0 0 16,183
HESS CORP COM 42809H107   352,230 2,542 SH   SOLE   0 0 2,542
HOME DEPOT INC COM 437076102   372,261 1,015 SH   SOLE   0 0 1,015
INGREDION INC COM 457187102   254,371 1,876 SH   SOLE   0 0 1,875
INTUIT COM 461202103   482,777 613 SH   SOLE   0 0 612
ISHARES TR TIPS BD ETF 464287176   2,113,608 19,208 SH   SOLE   0 0 19,207
ISHARES TR CORE 80/20 AGGRE 464289859   494,309 5,927 SH   SOLE   0 0 5,926
ISHARES TR CORE S&P TTL STK 464287150   336,567 2,492 SH   SOLE   0 0 2,492
ISHARES TR EAFE SML CP ETF 464288273   999,571 13,753 SH   SOLE   0 0 13,753
ISHARES TR EAFE VALUE ETF 464288877   2,065,406 32,536 SH   SOLE   0 0 32,536
ISHARES TR RUS MID CAP ETF 464287499   231,670 2,519 SH   SOLE   0 0 2,518
ISHARES TR CORE S&P MCP ETF 464287507   452,429 7,295 SH   SOLE   0 0 7,294
ISHARES TR MSCI USA VALUE 46432F388   528,018,960 4,664,066 SH   SOLE   0 0 4,664,066
ISHARES TR CORE S&P500 ETF 464287200   716,055 1,153 SH   SOLE   0 0 1,153
ISHARES TR CORE S&P US VLU 464287663   247,788 2,618 SH   SOLE   0 0 2,618
ISHARES TR RUS 1000 GRW ETF 464287614   749,687 1,766 SH   SOLE   0 0 1,765
ISHARES TR RUS 1000 VAL ETF 464287598   679,362 3,498 SH   SOLE   0 0 3,497
ISHARES TR RUS 2000 GRW ETF 464287648   528,482 1,849 SH   SOLE   0 0 1,848
MICROSOFT CORP COM 594918104   1,040,307 2,091 SH   SOLE   0 0 2,091
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   48,751,313 484,919 SH   SOLE   0 0 484,918
PROCTER AND GAMBLE CO COM 742718109   201,672 1,266 SH   SOLE   0 0 1,265
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,746,688 43,645 SH   SOLE   0 0 43,645
SCHWAB STRATEGIC TR US TIPS ETF 808524870   328,570 12,315 SH   SOLE   0 0 12,315
SCHWAB STRATEGIC TR US REIT ETF 808524847   236,244 11,165 SH   SOLE   0 0 11,164
SELECT SECTOR SPDR TR ENERGY 81369Y506   335,918 3,961 SH   SOLE   0 0 3,960
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   228,637 6,149 SH   SOLE   0 0 6,149
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   638,641 11,774 SH   SOLE   0 0 11,774
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,265,679 5,286 SH   SOLE   0 0 5,285
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,075,922 1,899 SH   SOLE   0 0 1,899
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   866,692 16,559 SH   SOLE   0 0 16,558
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   949,041 13,056 SH   SOLE   0 0 13,056
T ROWE PRICE ETF INC GROWTH ETF 87283Q842   222,011,317 5,492,570 SH   SOLE   0 0 5,492,569
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   680,088 3,529 SH   SOLE   0 0 3,529
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   678,127 7,614 SH   SOLE   0 0 7,614
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   486,942 857 SH   SOLE   0 0 857
VANGUARD INDEX FDS GROWTH ETF 922908736   696,941 1,590 SH   SOLE   0 0 1,589
VANGUARD INDEX FDS TOTAL STK MKT 922908769   995,409 3,275 SH   SOLE   0 0 3,275
VANGUARD INDEX FDS LARGE CAP ETF 922908637   637,646 2,235 SH   SOLE   0 0 2,235
VANGUARD INDEX FDS SM CP VAL ETF 922908611   54,821,446 281,121 SH   SOLE   0 0 281,121
VANGUARD INDEX FDS VALUE ETF 922908744   586,149 3,316 SH   SOLE   0 0 3,316
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   260,201,574 1,936,168 SH   SOLE   0 0 1,936,167
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 921943858   290,665 5,098 SH   SOLE   0 0 5,098
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   7,445,457 161,332 SH   SOLE   0 0 161,331
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   617,916 12,603 SH   SOLE   0 0 12,602
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   364,581 4,397 SH   SOLE   0 0 4,396
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   970,690 4,743 SH   SOLE   0 0 4,742
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   281,507 3,514 SH   SOLE   0 0 3,514
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   658,398 4,939 SH   SOLE   0 0 4,938
VANGUARD WORLD FD ENERGY ETF 92204A306   772,316 6,484 SH   SOLE   0 0 6,483
VANGUARD WORLD FD MATERIALS ETF 92204A801   573,808 2,945 SH   SOLE   0 0 2,945
VISA INC COM CL A 92826C839   409,985 1,155 SH   SOLE   0 0 1,154
WISDOMTREE TR INTL QULTY DIV 97717X131   307,133 7,748 SH   SOLE   0 0 7,748
WISDOMTREE TR US LARGECAP DIVD 97717W307   307,051 3,738 SH   SOLE   0 0 3,738
WISDOMTREE TR US MIDCAP FUND 97717W570   1,076,881 17,434 SH   SOLE   0 0 17,433