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 B10 APR 00888H406   295,142 7,685 SH   SOLE   0 0 7,685
ALBERTSONS COS INC COMMON STOCK 013091103   1,386,574 79,188 SH   SOLE   0 0 79,188
ALPHABET INC CAP STK CL A 02079K305   529,847 2,180 SH   SOLE   0 0 2,180
ALPHABET INC CAP STK CL C 02079K107   837,642 3,439 SH   SOLE   0 0 3,439
AMAZON COM INC COM 023135106   357,460 1,628 SH   SOLE   0 0 1,628
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   213,297,139 2,395,790 SH   SOLE   0 0 2,395,790
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   201,035,266 3,511,533 SH   SOLE   0 0 3,511,533
AMERICAN CENTY ETF TR US SML CP VALU 025072877   275,468,835 2,767,697 SH   SOLE   0 0 2,767,697
APPLE INC COM 037833100   1,588,506 6,238 SH   SOLE   0 0 6,238
ARISTA NETWORKS INC COM SHS 040413205   838,270 5,753 SH   SOLE   0 0 5,753
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   245,337 488 SH   SOLE   0 0 488
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   20,023,407 476,407 SH   SOLE   0 0 476,407
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   11,285,814 256,963 SH   SOLE   0 0 256,963
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   18,495,905 624,440 SH   SOLE   0 0 624,440
CHEVRON CORP NEW COM 166764100   1,708,006 10,999 SH   SOLE   0 0 10,999
COSTCO WHSL CORP NEW COM 22160K105   581,145 628 SH   SOLE   0 0 628
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   6,979,865 119,908 SH   SOLE   0 0 119,908
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,507,804 39,093 SH   SOLE   0 0 39,093
DT MIDSTREAM INC COMMON STOCK 23345M107   465,581 4,118 SH   SOLE   0 0 4,118
DTE ENERGY CO COM 233331107   965,684 6,828 SH   SOLE   0 0 6,828
ELI LILLY & CO COM 532457108   252,468 331 SH   SOLE   0 0 331
EXXON MOBIL CORP COM 30231G102   1,830,915 16,239 SH   SOLE   0 0 16,239
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   205,226 3,914 SH   SOLE   0 0 3,914
HOME DEPOT INC COM 437076102   320,239 790 SH   SOLE   0 0 790
INGREDION INC COM 457187102   229,721 1,881 SH   SOLE   0 0 1,881
INTUIT COM 461202103   316,153 463 SH   SOLE   0 0 463
INVESCO EXCHANGE TRADED FD T DORSEY WRGT BASC 46137V704   203,965 1,926 SH   SOLE   0 0 1,926
ISHARES TR TIPS BD ETF 464287176   2,154,439 19,371 SH   SOLE   0 0 19,371
ISHARES TR CORE 80/20 AGGRE 464289859   524,969 5,956 SH   SOLE   0 0 5,956
ISHARES TR CORE S&P TTL STK 464287150   363,158 2,493 SH   SOLE   0 0 2,493
ISHARES TR EAFE SML CP ETF 464288273   1,013,628 13,212 SH   SOLE   0 0 13,212
ISHARES TR EAFE VALUE ETF 464288877   2,206,939 32,536 SH   SOLE   0 0 32,536
ISHARES TR RUSSELL 2000 ETF 464287655   283,456 1,171 SH   SOLE   0 0 1,171
ISHARES TR RUS MID CAP ETF 464287499   413,735 4,285 SH   SOLE   0 0 4,285
ISHARES TR RUS TP200 GR ETF 464289438   226,582 828 SH   SOLE   0 0 828
ISHARES TR CORE S&P MCP ETF 464287507   477,381 7,315 SH   SOLE   0 0 7,315
ISHARES TR MSCI USA VALUE 46432F388   588,101,483 4,702,931 SH   SOLE   0 0 4,702,931
ISHARES TR CORE S&P500 ETF 464287200   773,952 1,156 SH   SOLE   0 0 1,156
ISHARES TR CORE S&P US VLU 464287663   261,767 2,619 SH   SOLE   0 0 2,619
ISHARES TR RUS 1000 GRW ETF 464287614   827,164 1,766 SH   SOLE   0 0 1,766
ISHARES TR RUS 1000 VAL ETF 464287598   715,062 3,512 SH   SOLE   0 0 3,512
ISHARES TR RUS 2000 GRW ETF 464287648   591,672 1,849 SH   SOLE   0 0 1,849
MICROSOFT CORP COM 594918104   1,303,344 2,516 SH   SOLE   0 0 2,516
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   48,968,692 486,331 SH   SOLE   0 0 486,331
S&P GLOBAL INC COM 78409V104   2,600,691 5,343 SH   SOLE   0 0 5,343
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,883,359 43,840 SH   SOLE   0 0 43,840
SCHWAB STRATEGIC TR US TIPS ETF 808524870   332,753 12,347 SH   SOLE   0 0 12,347
SCHWAB STRATEGIC TR US REIT ETF 808524847   240,821 11,165 SH   SOLE   0 0 11,165
SELECT SECTOR SPDR TR ENERGY 81369Y506   390,827 4,375 SH   SOLE   0 0 4,375
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   247,085 6,149 SH   SOLE   0 0 6,149
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   697,159 11,774 SH   SOLE   0 0 11,774
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,525,683 5,292 SH   SOLE   0 0 5,292
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,059,331 1,777 SH   SOLE   0 0 1,777
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   917,582 16,584 SH   SOLE   0 0 16,584
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   1,017,480 12,988 SH   SOLE   0 0 12,988
T ROWE PRICE ETF INC GROWTH ETF 87283Q842   234,800,408 5,380,394 SH   SOLE   0 0 5,380,394
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   688,451 3,289 SH   SOLE   0 0 3,289
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   756,925 8,280 SH   SOLE   0 0 8,280
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   525,631 858 SH   SOLE   0 0 858
VANGUARD INDEX FDS GROWTH ETF 922908736   814,891 1,699 SH   SOLE   0 0 1,699
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,078,035 3,285 SH   SOLE   0 0 3,285
VANGUARD INDEX FDS LARGE CAP ETF 922908637   677,600 2,201 SH   SOLE   0 0 2,201
VANGUARD INDEX FDS SM CP VAL ETF 922908611   58,748,577 281,484 SH   SOLE   0 0 281,484
VANGUARD INDEX FDS VALUE ETF 922908744   700,621 3,757 SH   SOLE   0 0 3,757
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   270,609,528 1,898,348 SH   SOLE   0 0 1,898,348
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   7,725,708 161,829 SH   SOLE   0 0 161,829
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   216,211 3,029 SH   SOLE   0 0 3,029
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   668,495 13,351 SH   SOLE   0 0 13,351
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   373,193 4,437 SH   SOLE   0 0 4,437
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,025,508 4,752 SH   SOLE   0 0 4,752
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   306,968 5,123 SH   SOLE   0 0 5,123
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   297,566 3,514 SH   SOLE   0 0 3,514
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   643,133 4,563 SH   SOLE   0 0 4,563
VANGUARD WORLD FD ENERGY ETF 92204A306   821,296 6,525 SH   SOLE   0 0 6,525
VANGUARD WORLD FD MATERIALS ETF 92204A801   573,643 2,800 SH   SOLE   0 0 2,800
VISA INC COM CL A 92826C839   268,575 787 SH   SOLE   0 0 787
WISDOMTREE TR INTL QULTY DIV 97717X131   308,993 7,748 SH   SOLE   0 0 7,748
WISDOMTREE TR US LARGECAP DIVD 97717W307   325,330 3,738 SH   SOLE   0 0 3,738
WISDOMTREE TR US MIDCAP FUND 97717W570   1,149,056 17,434 SH   SOLE   0 0 17,434
WORLD GOLD TR SPDR GLD MINIS 98149E303   212,072 2,774 SH   SOLE   0 0 2,774