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   368,187 2,220 SH   SOLE   0 0 2,220
ALPHABET INC CAP STK CL C 02079K107   313,983 1,878 SH   SOLE   0 0 1,878
AMAZON COM INC COM 023135106   609,299 3,270 SH   SOLE   0 0 3,270
AMERICAN CENTY ETF TR US SML CP VALU 025072877   6,285,029 65,503 SH   SOLE   0 0 65,503
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   9,682,014 144,443 SH   SOLE   0 0 144,443
APPLE INC COM 037833100   1,487,938 6,386 SH   SOLE   0 0 6,386
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,761,875 3,828 SH   SOLE   0 0 3,828
BROADCOM INC COM 11135F101   233,565 1,354 SH   SOLE   0 0 1,354
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,838,068 228,771 SH   SOLE   0 0 228,771
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   5,081,421 180,512 SH   SOLE   0 0 180,512
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,084,218 28,472 SH   SOLE   0 0 28,472
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   8,115,869 145,890 SH   SOLE   0 0 145,890
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,731,410 137,477 SH   SOLE   0 0 137,477
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   26,449,697 771,353 SH   SOLE   0 0 771,353
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   16,688,492 593,052 SH   SOLE   0 0 593,052
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   15,696,799 460,722 SH   SOLE   0 0 460,722
ELI LILLY & CO COM 532457108   279,071 315 SH   SOLE   0 0 315
ISHARES INC CORE MSCI EMKT 46434G103   4,921,764 85,730 SH   SOLE   0 0 85,730
ISHARES TR CORE S&P US VLU 464287663   10,911,850 114,272 SH   SOLE   0 0 114,272
ISHARES TR RUSSELL 3000 ETF 464287689   4,623,230 14,150 SH   SOLE   0 0 14,150
ISHARES TR SP SMCP600VL ETF 464287879   4,752,318 44,142 SH   SOLE   0 0 44,142
ISHARES TR CORE S&P SCP ETF 464287804   22,234,494 190,103 SH   SOLE   0 0 190,103
ISHARES TR RUS 2000 VAL ETF 464287630   588,708 3,529 SH   SOLE   0 0 3,529
ISHARES TR 0-5 YR TIPS ETF 46429B747   5,480,095 54,087 SH   SOLE   0 0 54,087
ISHARES TR MSCI USA QLT FCT 46432F339   12,128,960 67,646 SH   SOLE   0 0 67,646
ISHARES TR NATIONAL MUN ETF 464288414   32,665,024 300,700 SH   SOLE   0 0 300,700
ISHARES TR SHRT NAT MUN ETF 464288158   5,703,996 53,715 SH   SOLE   0 0 53,715
ISHARES TR TIPS BD ETF 464287176   14,546,412 131,677 SH   SOLE   0 0 131,677
ISHARES TR MBS ETF 464288588   39,541,193 412,704 SH   SOLE   0 0 412,704
ISHARES TR CORE S&P MCP ETF 464287507   90,224,471 1,447,761 SH   SOLE   0 0 1,447,761
ISHARES TR CORE 1 5 YR USD 46432F859   4,405,136 90,492 SH   SOLE   0 0 90,492
ISHARES TR S&P MC 400VL ETF 464287705   15,188,829 122,867 SH   SOLE   0 0 122,867
ISHARES TR S&P 500 VAL ETF 464287408   23,349,567 118,424 SH   SOLE   0 0 118,424
ISHARES TR RUS MID CAP ETF 464287499   358,588 4,068 SH   SOLE   0 0 4,068
ISHARES TR RUSSELL 2000 ETF 464287655   798,108 3,613 SH   SOLE   0 0 3,613
ISHARES TR ISHS 5-10YR INVT 464288638   215,280 4,007 SH   SOLE   0 0 4,007
ISHARES TR RUS 1000 VAL ETF 464287598   699,413 3,685 SH   SOLE   0 0 3,685
ISHARES TR CORE US AGGBD ET 464287226   21,337,115 210,695 SH   SOLE   0 0 210,695
ISHARES TR MORNINGSTR US EQ 464287127   265,908 3,356 SH   SOLE   0 0 3,356
ISHARES TR EAFE VALUE ETF 464288877   217,751 3,785 SH   SOLE   0 0 3,785
ISHARES TR ISHS 1-5YR INVS 464288646   25,056,758 475,821 SH   SOLE   0 0 475,821
ISHARES TR MSCI EAFE ETF 464287465   280,669 3,356 SH   SOLE   0 0 3,356
ISHARES TR CORE S&P500 ETF 464287200   14,283,022 24,762 SH   SOLE   0 0 24,762
JPMORGAN CHASE & CO. COM 46625H100   334,213 1,585 SH   SOLE   0 0 1,585
META PLATFORMS INC CL A 30303M102   461,387 806 SH   SOLE   0 0 806
MICROSOFT CORP COM 594918104   1,342,106 3,119 SH   SOLE   0 0 3,119
NVIDIA CORPORATION COM 67066G104   1,299,044 10,697 SH   SOLE   0 0 10,697
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,910,656 92,961 SH   SOLE   0 0 92,961
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,406,551 163,234 SH   SOLE   0 0 163,234
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   731,270 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR US TIPS ETF 808524870   47,568,686 886,979 SH   SOLE   0 0 886,979
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,261,367 33,753 SH   SOLE   0 0 33,753
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   13,333,840 196,519 SH   SOLE   0 0 196,519
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,605,371 187,813 SH   SOLE   0 0 187,813
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   221,722 2,759 SH   SOLE   0 0 2,759
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   316,029 5,027 SH   SOLE   0 0 5,027
SPDR S&P 500 ETF TR TR UNIT 78462F103   44,159,610 76,965 SH   SOLE   0 0 76,965
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   11,118,828 19,518 SH   SOLE   0 0 19,518
SPDR SER TR S&P 400 MDCP VAL 78464A839   54,906,204 690,992 SH   SOLE   0 0 690,992
SPDR SER TR PORTFOLIO S&P400 78464A847   523,452 9,573 SH   SOLE   0 0 9,573
SPDR SER TR S&P 600 SMCP VAL 78464A300   14,501,505 167,030 SH   SOLE   0 0 167,030
SPDR SER TR PRTFLO S&P500 VL 78464A508   116,885,526 2,211,228 SH   SOLE   0 0 2,211,228
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   11,755,200 122,795 SH   SOLE   0 0 122,795
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,882,033 78,031 SH   SOLE   0 0 78,031
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   81,225,261 1,081,417 SH   SOLE   0 0 1,081,417
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,335,331 245,715 SH   SOLE   0 0 245,715
VANGUARD INDEX FDS LARGE CAP ETF 922908637   998,080 3,791 SH   SOLE   0 0 3,791
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,085,279 21,405 SH   SOLE   0 0 21,405
VANGUARD INDEX FDS VALUE ETF 922908744   9,423,385 53,981 SH   SOLE   0 0 53,981
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,037,627 3,664 SH   SOLE   0 0 3,664
VANGUARD INDEX FDS MID CAP ETF 922908629   1,163,767 4,411 SH   SOLE   0 0 4,411
VANGUARD INDEX FDS SMALL CP ETF 922908751   852,115 3,592 SH   SOLE   0 0 3,592
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   12,299,167 73,353 SH   SOLE   0 0 73,353
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   131,927,811 250,020 SH   SOLE   0 0 250,020
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,970,868 24,758 SH   SOLE   0 0 24,758
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,464,974 72,413 SH   SOLE   0 0 72,413
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   432,808 3,616 SH   SOLE   0 0 3,616
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,169,039 104,827 SH   SOLE   0 0 104,827
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   68,506,148 1,340,105 SH   SOLE   0 0 1,340,105
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   400,982 6,794 SH   SOLE   0 0 6,794
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   351,059 4,192 SH   SOLE   0 0 4,192
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   50,810,168 639,765 SH   SOLE   0 0 639,765
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,077,191 22,817 SH   SOLE   0 0 22,817
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   744,712 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,225,763 23,211 SH   SOLE   0 0 23,211
WALMART INC COM 931142103   216,975 2,687 SH   SOLE   0 0 2,687
WISDOMTREE TR US LARGECAP DIVD 97717W307   317,857 4,046 SH   SOLE   0 0 4,046