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   457,538 2,417 SH   SOLE   0 0 2,417
ALPHABET INC CAP STK CL C 02079K107   380,309 1,997 SH   SOLE   0 0 1,997
AMAZON COM INC COM 023135106   721,354 3,288 SH   SOLE   0 0 3,288
AMERICAN CENTY ETF TR US SML CP VALU 025072877   7,307,626 75,703 SH   SOLE   0 0 75,703
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   271,644 4,174 SH   SOLE   0 0 4,174
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   8,870,113 144,535 SH   SOLE   0 0 144,535
APPLE INC COM 037833100   1,540,333 6,151 SH   SOLE   0 0 6,151
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,998,965 4,410 SH   SOLE   0 0 4,410
BROADCOM INC COM 11135F101   261,052 1,126 SH   SOLE   0 0 1,126
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,944,007 229,625 SH   SOLE   0 0 229,625
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,013,242 28,558 SH   SOLE   0 0 28,558
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   5,159,803 197,014 SH   SOLE   0 0 197,014
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   8,020,135 144,092 SH   SOLE   0 0 144,092
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,612,364 137,155 SH   SOLE   0 0 137,155
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   15,970,607 472,643 SH   SOLE   0 0 472,643
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   18,004,936 696,651 SH   SOLE   0 0 696,651
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   26,749,491 773,330 SH   SOLE   0 0 773,330
ELI LILLY & CO COM 532457108   242,408 314 SH   SOLE   0 0 314
INVESCO QQQ TR UNIT SER 1 46090E103   275,553 539 SH   SOLE   0 0 539
ISHARES INC CORE MSCI EMKT 46434G103   4,649,517 89,037 SH   SOLE   0 0 89,037
ISHARES TR CORE S&P US VLU 464287663   10,492,222 113,319 SH   SOLE   0 0 113,319
ISHARES TR RUSSELL 3000 ETF 464287689   4,729,638 14,150 SH   SOLE   0 0 14,150
ISHARES TR SP SMCP600VL ETF 464287879   4,782,740 44,036 SH   SOLE   0 0 44,036
ISHARES TR CORE S&P SCP ETF 464287804   21,558,745 187,109 SH   SOLE   0 0 187,109
ISHARES TR RUS 2000 VAL ETF 464287630   577,550 3,518 SH   SOLE   0 0 3,518
ISHARES TR 0-5 YR TIPS ETF 46429B747   5,984,292 59,486 SH   SOLE   0 0 59,486
ISHARES TR SHRT NAT MUN ETF 464288158   5,379,164 50,997 SH   SOLE   0 0 50,997
ISHARES TR NATIONAL MUN ETF 464288414   33,813,840 317,352 SH   SOLE   0 0 317,352
ISHARES TR MSCI USA QLT FCT 46432F339   11,985,535 67,304 SH   SOLE   0 0 67,304
ISHARES TR TIPS BD ETF 464287176   14,875,720 139,613 SH   SOLE   0 0 139,613
ISHARES TR RUSSELL 2000 ETF 464287655   823,550 3,727 SH   SOLE   0 0 3,727
ISHARES TR RUS MID CAP ETF 464287499   359,646 4,068 SH   SOLE   0 0 4,068
ISHARES TR CORE S&P MCP ETF 464287507   90,042,911 1,445,080 SH   SOLE   0 0 1,445,080
ISHARES TR S&P 500 VAL ETF 464287408   22,566,617 118,224 SH   SOLE   0 0 118,224
ISHARES TR CORE 1 5 YR USD 46432F859   4,332,820 90,702 SH   SOLE   0 0 90,702
ISHARES TR S&P MC 400VL ETF 464287705   15,263,500 122,147 SH   SOLE   0 0 122,147
ISHARES TR MBS ETF 464288588   41,717,462 455,033 SH   SOLE   0 0 455,033
ISHARES TR ISHS 5-10YR INVT 464288638   206,424 4,007 SH   SOLE   0 0 4,007
ISHARES TR RUS 1000 VAL ETF 464287598   682,204 3,685 SH   SOLE   0 0 3,685
ISHARES TR CORE US AGGBD ET 464287226   21,516,096 222,044 SH   SOLE   0 0 222,044
ISHARES TR CORE S&P500 ETF 464287200   14,606,659 24,813 SH   SOLE   0 0 24,813
ISHARES TR MORNINGSTR US EQ 464287127   272,385 3,356 SH   SOLE   0 0 3,356
ISHARES TR MSCI EAFE ETF 464287465   253,753 3,356 SH   SOLE   0 0 3,356
ISHARES TR ISHS 1-5YR INVS 464288646   24,912,748 481,871 SH   SOLE   0 0 481,871
JPMORGAN CHASE & CO. COM 46625H100   376,584 1,571 SH   SOLE   0 0 1,571
MASTERCARD INCORPORATED CL A 57636Q104   212,734 404 SH   SOLE   0 0 404
META PLATFORMS INC CL A 30303M102   453,185 774 SH   SOLE   0 0 774
MICROSOFT CORP COM 594918104   1,283,046 3,044 SH   SOLE   0 0 3,044
NVIDIA CORPORATION COM 67066G104   1,549,975 11,542 SH   SOLE   0 0 11,542
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,822,300 92,206 SH   SOLE   0 0 92,206
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,120,953 33,753 SH   SOLE   0 0 33,753
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   782,486 28,076 SH   SOLE   0 0 28,076
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,489,062 328,270 SH   SOLE   0 0 328,270
SCHWAB STRATEGIC TR US TIPS ETF 808524870   47,121,719 1,824,302 SH   SOLE   0 0 1,824,302
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   13,190,217 569,034 SH   SOLE   0 0 569,034
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   276,353 14,938 SH   SOLE   0 0 14,938
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   15,663,545 565,267 SH   SOLE   0 0 565,267
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   215,723 8,275 SH   SOLE   0 0 8,275
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   286,160 5,015 SH   SOLE   0 0 5,015
SPDR S&P 500 ETF TR TR UNIT 78462F103   43,654,689 74,486 SH   SOLE   0 0 74,486
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,940,697 19,208 SH   SOLE   0 0 19,208
SPDR SER TR PORTFOLIO S&P400 78464A847   917,097 16,769 SH   SOLE   0 0 16,769
SPDR SER TR RUSSELL YIELD 78468R770   363,819 3,342 SH   SOLE   0 0 3,342
SPDR SER TR S&P 400 MDCP VAL 78464A839   55,714,664 694,697 SH   SOLE   0 0 694,697
SPDR SER TR S&P 600 SMCP VAL 78464A300   14,107,675 161,693 SH   SOLE   0 0 161,693
SPDR SER TR PRTFLO S&P500 VL 78464A508   113,102,505 2,211,625 SH   SOLE   0 0 2,211,625
TESLA INC COM 88160R101   234,631 581 SH   SOLE   0 0 581
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,146,332 76,670 SH   SOLE   0 0 76,670
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   11,648,016 121,897 SH   SOLE   0 0 121,897
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   80,545,504 1,120,088 SH   SOLE   0 0 1,120,088
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,019,878 246,148 SH   SOLE   0 0 246,148
VANGUARD INDEX FDS LARGE CAP ETF 922908637   968,439 3,591 SH   SOLE   0 0 3,591
VANGUARD INDEX FDS VALUE ETF 922908744   9,268,253 54,745 SH   SOLE   0 0 54,745
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,860,951 20,891 SH   SOLE   0 0 20,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,024,576 3,535 SH   SOLE   0 0 3,535
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   11,834,028 73,153 SH   SOLE   0 0 73,153
VANGUARD INDEX FDS MID CAP ETF 922908629   1,313,531 4,973 SH   SOLE   0 0 4,973
VANGUARD INDEX FDS SMALL CP ETF 922908751   863,143 3,592 SH   SOLE   0 0 3,592
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   133,482,891 247,736 SH   SOLE   0 0 247,736
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,877,702 24,612 SH   SOLE   0 0 24,612
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,543,337 80,457 SH   SOLE   0 0 80,457
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   405,045 3,448 SH   SOLE   0 0 3,448
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,100,340 105,335 SH   SOLE   0 0 105,335
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   70,209,578 1,400,550 SH   SOLE   0 0 1,400,550
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   327,803 4,084 SH   SOLE   0 0 4,084
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   52,577,139 673,979 SH   SOLE   0 0 673,979
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,646,839 36,322 SH   SOLE   0 0 36,322
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   736,327 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,510,912 31,596 SH   SOLE   0 0 31,596
VISA INC COM CL A 92826C839   224,388 710 SH   SOLE   0 0 710
WALMART INC COM 931142103   227,501 2,518 SH   SOLE   0 0 2,518
WISDOMTREE TR US LARGECAP DIVD 97717W307   580,005 7,456 SH   SOLE   0 0 7,456