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
ALPHABET INC CAP STK CL A 02079K305   260,807 1,728 SH   SOLE   0 0 1,728
ALPHABET INC CAP STK CL C 02079K107   233,110 1,531 SH   SOLE   0 0 1,531
AMAZON COM INC COM 023135106   550,700 3,053 SH   SOLE   0 0 3,053
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,836,841 62,286 SH   SOLE   0 0 62,286
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   9,185,061 144,102 SH   SOLE   0 0 144,102
APPLE INC COM 037833100   1,012,075 5,902 SH   SOLE   0 0 5,902
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,929,346 4,588 SH   SOLE   0 0 4,588
BROADCOM INC COM 11135F101   311,471 235 SH   SOLE   0 0 235
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,258,294 228,718 SH   SOLE   0 0 228,718
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   4,176,053 163,831 SH   SOLE   0 0 163,831
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,047,894 28,514 SH   SOLE   0 0 28,514
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   7,952,351 146,102 SH   SOLE   0 0 146,102
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,852,030 143,081 SH   SOLE   0 0 143,081
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   14,677,482 548,691 SH   SOLE   0 0 548,691
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   24,002,668 751,257 SH   SOLE   0 0 751,257
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   13,051,737 412,899 SH   SOLE   0 0 412,899
ELI LILLY & CO COM 532457108   286,289 368 SH   SOLE   0 0 368
ISHARES INC CORE MSCI EMKT 46434G103   4,981,468 96,540 SH   SOLE   0 0 96,540
ISHARES TR RUSSELL 3000 ETF 464287689   4,577,120 15,253 SH   SOLE   0 0 15,253
ISHARES TR RUS 2000 VAL ETF 464287630   712,263 4,485 SH   SOLE   0 0 4,485
ISHARES TR SP SMCP600VL ETF 464287879   4,618,001 44,940 SH   SOLE   0 0 44,940
ISHARES TR CORE S&P SCP ETF 464287804   20,675,684 187,076 SH   SOLE   0 0 187,076
ISHARES TR CORE S&P US VLU 464287663   11,780,262 130,255 SH   SOLE   0 0 130,255
ISHARES TR TIPS BD ETF 464287176   14,931,509 139,014 SH   SOLE   0 0 139,014
ISHARES TR NATIONAL MUN ETF 464288414   29,766,662 276,642 SH   SOLE   0 0 276,642
ISHARES TR SHRT NAT MUN ETF 464288158   5,581,690 53,296 SH   SOLE   0 0 53,296
ISHARES TR 0-5 YR TIPS ETF 46429B747   3,156,704 31,748 SH   SOLE   0 0 31,748
ISHARES TR MSCI USA QLT FCT 46432F339   11,373,697 69,204 SH   SOLE   0 0 69,204
ISHARES TR MBS ETF 464288588   28,044,849 303,450 SH   SOLE   0 0 303,450
ISHARES TR CORE 1 5 YR USD 46432F859   3,966,017 83,601 SH   SOLE   0 0 83,601
ISHARES TR S&P MC 400VL ETF 464287705   14,716,824 124,413 SH   SOLE   0 0 124,413
ISHARES TR EAFE VALUE ETF 464288877   205,904 3,785 SH   SOLE   0 0 3,785
ISHARES TR ISHS 1-5YR INVS 464288646   24,767,546 482,986 SH   SOLE   0 0 482,986
ISHARES TR RUS MID CAP ETF 464287499   342,111 4,068 SH   SOLE   0 0 4,068
ISHARES TR RUSSELL 2000 ETF 464287655   759,845 3,613 SH   SOLE   0 0 3,613
ISHARES TR CORE S&P MCP ETF 464287507   86,645,320 1,426,495 SH   SOLE   0 0 1,426,495
ISHARES TR S&P 500 VAL ETF 464287408   22,465,505 120,259 SH   SOLE   0 0 120,259
ISHARES TR ISHS 5-10YR INVT 464288638   209,777 4,065 SH   SOLE   0 0 4,065
ISHARES TR RUS 1000 VAL ETF 464287598   660,020 3,685 SH   SOLE   0 0 3,685
ISHARES TR CORE US AGGBD ET 464287226   20,582,905 210,158 SH   SOLE   0 0 210,158
ISHARES TR MORNINGSTR US EQ 464287127   243,220 3,356 SH   SOLE   0 0 3,356
ISHARES TR MSCI EAFE ETF 464287465   268,017 3,356 SH   SOLE   0 0 3,356
ISHARES TR CORE S&P500 ETF 464287200   14,092,739 26,806 SH   SOLE   0 0 26,806
JPMORGAN CHASE & CO COM 46625H100   312,067 1,558 SH   SOLE   0 0 1,558
META PLATFORMS INC CL A 30303M102   415,656 856 SH   SOLE   0 0 856
MICROSOFT CORP COM 594918104   1,302,549 3,096 SH   SOLE   0 0 3,096
NVIDIA CORPORATION COM 67066G104   644,238 713 SH   SOLE   0 0 713
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,941,580 95,953 SH   SOLE   0 0 95,953
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,237,322 34,746 SH   SOLE   0 0 34,746
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,672,444 176,126 SH   SOLE   0 0 176,126
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   650,829 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR US REIT ETF 808524847   440,510 21,700 SH   SOLE   0 0 21,700
SCHWAB STRATEGIC TR US TIPS ETF 808524870   43,217,835 828,563 SH   SOLE   0 0 828,563
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   13,175,548 212,303 SH   SOLE   0 0 212,303
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   16,460,575 202,144 SH   SOLE   0 0 202,144
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   209,611 2,759 SH   SOLE   0 0 2,759
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   295,607 5,120 SH   SOLE   0 0 5,120
SPDR S&P 500 ETF TR TR UNIT 78462F103   41,012,391 78,407 SH   SOLE   0 0 78,407
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,903,970 19,597 SH   SOLE   0 0 19,597
SPDR SER TR S&P 400 MDCP VAL 78464A839   50,555,741 665,207 SH   SOLE   0 0 665,207
SPDR SER TR PORTFOLIO S&P400 78464A847   510,624 9,573 SH   SOLE   0 0 9,573
SPDR SER TR S&P 600 SMCP VAL 78464A300   14,230,479 171,514 SH   SOLE   0 0 171,514
SPDR SER TR PRTFLO S&P500 VL 78464A508   110,666,060 2,208,903 SH   SOLE   0 0 2,208,903
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,799,131 82,003 SH   SOLE   0 0 82,003
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   11,474,246 126,368 SH   SOLE   0 0 126,368
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   73,991,137 1,018,741 SH   SOLE   0 0 1,018,741
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,304,917 225,706 SH   SOLE   0 0 225,706
VANGUARD INDEX FDS LARGE CAP ETF 922908637   908,883 3,791 SH   SOLE   0 0 3,791
VANGUARD INDEX FDS VALUE ETF 922908744   8,703,980 53,445 SH   SOLE   0 0 53,445
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,057,177 23,788 SH   SOLE   0 0 23,788
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   12,458,521 79,908 SH   SOLE   0 0 79,908
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   121,847,826 253,480 SH   SOLE   0 0 253,480
VANGUARD INDEX FDS MID CAP ETF 922908629   1,114,888 4,462 SH   SOLE   0 0 4,462
VANGUARD INDEX FDS TOTAL STK MKT 922908769   903,011 3,474 SH   SOLE   0 0 3,474
VANGUARD INDEX FDS SMALL CP ETF 922908751   826,636 3,616 SH   SOLE   0 0 3,616
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,942,596 25,759 SH   SOLE   0 0 25,759
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,031,384 72,573 SH   SOLE   0 0 72,573
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   422,859 3,827 SH   SOLE   0 0 3,827
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,259,153 109,817 SH   SOLE   0 0 109,817
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   60,163,546 1,189,003 SH   SOLE   0 0 1,189,003
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   328,058 4,075 SH   SOLE   0 0 4,075
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,168,543 20,123 SH   SOLE   0 0 20,123
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   46,595,249 602,707 SH   SOLE   0 0 602,707
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   686,619 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,031,385 20,558 SH   SOLE   0 0 20,558
WISDOMTREE TR US LARGECAP DIVD 97717W307   292,083 4,046 SH   SOLE   0 0 4,046