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   366,304 2,011 SH   SOLE   0 0 2,011
ALPHABET INC CAP STK CL C 02079K107   313,832 1,711 SH   SOLE   0 0 1,711
AMAZON COM INC COM 023135106   589,992 3,053 SH   SOLE   0 0 3,053
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,667,727 63,171 SH   SOLE   0 0 63,171
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   8,929,641 143,425 SH   SOLE   0 0 143,425
APPLE INC COM 037833100   1,272,355 6,041 SH   SOLE   0 0 6,041
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,658,930 4,078 SH   SOLE   0 0 4,078
BROADCOM INC COM 11135F101   224,774 140 SH   SOLE   0 0 140
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,410,984 137,789 SH   SOLE   0 0 137,789
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   13,697,908 227,994 SH   SOLE   0 0 227,994
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   4,595,448 171,921 SH   SOLE   0 0 171,921
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,024,798 28,514 SH   SOLE   0 0 28,514
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   7,583,797 146,208 SH   SOLE   0 0 146,208
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   24,731,895 767,118 SH   SOLE   0 0 767,118
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   15,057,911 572,762 SH   SOLE   0 0 572,762
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   14,290,093 446,705 SH   SOLE   0 0 446,705
ELI LILLY & CO COM 532457108   333,180 368 SH   SOLE   0 0 368
ISHARES INC CORE MSCI EMKT 46434G103   4,677,777 87,386 SH   SOLE   0 0 87,386
ISHARES TR CORE S&P US VLU 464287663   10,474,867 118,857 SH   SOLE   0 0 118,857
ISHARES TR RUSSELL 3000 ETF 464287689   4,367,681 14,150 SH   SOLE   0 0 14,150
ISHARES TR SP SMCP600VL ETF 464287879   4,315,374 44,365 SH   SOLE   0 0 44,365
ISHARES TR CORE S&P SCP ETF 464287804   19,910,798 186,675 SH   SOLE   0 0 186,675
ISHARES TR RUS 2000 VAL ETF 464287630   539,294 3,541 SH   SOLE   0 0 3,541
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,166,343 41,877 SH   SOLE   0 0 41,877
ISHARES TR MSCI USA QLT FCT 46432F339   11,694,694 68,486 SH   SOLE   0 0 68,486
ISHARES TR NATIONAL MUN ETF 464288414   30,797,728 289,045 SH   SOLE   0 0 289,045
ISHARES TR SHRT NAT MUN ETF 464288158   5,631,063 53,860 SH   SOLE   0 0 53,860
ISHARES TR TIPS BD ETF 464287176   14,142,624 132,446 SH   SOLE   0 0 132,446
ISHARES TR MBS ETF 464288588   34,150,301 371,967 SH   SOLE   0 0 371,967
ISHARES TR CORE S&P MCP ETF 464287507   83,979,700 1,435,060 SH   SOLE   0 0 1,435,060
ISHARES TR CORE 1 5 YR USD 46432F859   3,903,889 82,413 SH   SOLE   0 0 82,413
ISHARES TR S&P MC 400VL ETF 464287705   14,030,133 123,657 SH   SOLE   0 0 123,657
ISHARES TR S&P 500 VAL ETF 464287408   21,715,230 119,308 SH   SOLE   0 0 119,308
ISHARES TR RUS MID CAP ETF 464287499   329,865 4,068 SH   SOLE   0 0 4,068
ISHARES TR RUSSELL 2000 ETF 464287655   733,071 3,613 SH   SOLE   0 0 3,613
ISHARES TR CORE US AGGBD ET 464287226   20,238,640 208,495 SH   SOLE   0 0 208,495
ISHARES TR ISHS 5-10YR INVT 464288638   208,395 4,065 SH   SOLE   0 0 4,065
ISHARES TR RUS 1000 VAL ETF 464287598   642,922 3,685 SH   SOLE   0 0 3,685
ISHARES TR MORNINGSTR US EQ 464287127   252,282 3,356 SH   SOLE   0 0 3,356
ISHARES TR EAFE VALUE ETF 464288877   200,756 3,785 SH   SOLE   0 0 3,785
ISHARES TR ISHS 1-5YR INVS 464288646   24,638,996 480,855 SH   SOLE   0 0 480,855
ISHARES TR MSCI EAFE ETF 464287465   262,882 3,356 SH   SOLE   0 0 3,356
ISHARES TR CORE S&P500 ETF 464287200   13,998,165 25,580 SH   SOLE   0 0 25,580
JPMORGAN CHASE & CO. COM 46625H100   315,121 1,558 SH   SOLE   0 0 1,558
META PLATFORMS INC CL A 30303M102   415,982 825 SH   SOLE   0 0 825
MICROSOFT CORP COM 594918104   1,380,182 3,088 SH   SOLE   0 0 3,088
NVIDIA CORPORATION COM 67066G104   1,174,371 9,506 SH   SOLE   0 0 9,506
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,967,097 96,187 SH   SOLE   0 0 96,187
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,818,147 164,766 SH   SOLE   0 0 164,766
SCHWAB STRATEGIC TR US REIT ETF 808524847   295,077 14,776 SH   SOLE   0 0 14,776
SCHWAB STRATEGIC TR US TIPS ETF 808524870   44,402,274 853,726 SH   SOLE   0 0 853,726
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   707,826 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,182,384 33,753 SH   SOLE   0 0 33,753
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   13,188,429 205,267 SH   SOLE   0 0 205,267
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   14,774,925 189,836 SH   SOLE   0 0 189,836
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   204,369 2,759 SH   SOLE   0 0 2,759
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   294,127 5,032 SH   SOLE   0 0 5,032
SPDR S&P 500 ETF TR TR UNIT 78462F103   42,286,265 77,701 SH   SOLE   0 0 77,701
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,472,778 19,572 SH   SOLE   0 0 19,572
SPDR SER TR PORTFOLIO S&P400 78464A847   491,095 9,573 SH   SOLE   0 0 9,573
SPDR SER TR S&P 600 SMCP VAL 78464A300   13,217,909 168,790 SH   SOLE   0 0 168,790
SPDR SER TR S&P 400 MDCP VAL 78464A839   49,312,942 676,075 SH   SOLE   0 0 676,075
SPDR SER TR PRTFLO S&P500 VL 78464A508   107,559,748 2,206,806 SH   SOLE   0 0 2,206,806
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   10,952,769 125,074 SH   SOLE   0 0 125,074
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   13,775,400 78,367 SH   SOLE   0 0 78,367
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   74,745,414 1,037,410 SH   SOLE   0 0 1,037,410
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   18,684,249 243,602 SH   SOLE   0 0 243,602
VANGUARD INDEX FDS LARGE CAP ETF 922908637   946,260 3,791 SH   SOLE   0 0 3,791
VANGUARD INDEX FDS VALUE ETF 922908744   8,711,474 54,308 SH   SOLE   0 0 54,308
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,869,329 22,318 SH   SOLE   0 0 22,318
VANGUARD INDEX FDS TOTAL STK MKT 922908769   929,451 3,474 SH   SOLE   0 0 3,474
VANGUARD INDEX FDS MID CAP ETF 922908629   1,073,968 4,436 SH   SOLE   0 0 4,436
VANGUARD INDEX FDS SMALL CP ETF 922908751   788,485 3,616 SH   SOLE   0 0 3,616
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   11,109,318 73,850 SH   SOLE   0 0 73,850
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   125,152,187 250,239 SH   SOLE   0 0 250,239
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,535,766 24,851 SH   SOLE   0 0 24,851
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,177,731 72,617 SH   SOLE   0 0 72,617
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   420,535 3,734 SH   SOLE   0 0 3,734
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,198,411 107,095 SH   SOLE   0 0 107,095
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   64,269,018 1,282,559 SH   SOLE   0 0 1,282,559
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   637,368 10,991 SH   SOLE   0 0 10,991
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   335,047 4,192 SH   SOLE   0 0 4,192
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   47,297,670 612,069 SH   SOLE   0 0 612,069
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,035,892 22,817 SH   SOLE   0 0 22,817
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   686,394 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,015,967 20,558 SH   SOLE   0 0 20,558
WISDOMTREE TR US LARGECAP DIVD 97717W307   294,349 4,046 SH   SOLE   0 0 4,046