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   459,608 2,608 SH   SOLE   0 0 2,608
ALPHABET INC CAP STK CL C 02079K107   383,517 2,162 SH   SOLE   0 0 2,162
AMAZON COM INC COM 023135106   737,370 3,361 SH   SOLE   0 0 3,361
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,462,131 92,888 SH   SOLE   0 0 92,286
AMERICAN CENTY ETF TR US EQT ETF 025072885   383,519 3,804 SH   SOLE   0 0 3,804
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   330,915 4,174 SH   SOLE   0 0 4,174
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   11,709,344 158,213 SH   SOLE   0 0 158,213
APPLE INC COM 037833100   1,364,791 6,652 SH   SOLE   0 0 6,652
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,167,020 4,461 SH   SOLE   0 0 4,461
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE   0 0 1
BROADCOM INC COM 11135F101   321,132 1,165 SH   SOLE   0 0 1,165
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   14,978,231 235,100 SH   SOLE   0 0 235,100
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   6,558,351 220,968 SH   SOLE   0 0 216,658
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,223,144 28,558 SH   SOLE   0 0 28,558
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   5,525,510 130,688 SH   SOLE   0 0 130,688
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   7,641,150 141,608 SH   SOLE   0 0 141,608
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   347,804 11,818 SH   SOLE   0 0 11,804
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   17,342,389 487,693 SH   SOLE   0 0 486,148
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   22,999,527 739,772 SH   SOLE   0 0 727,890
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   29,420,808 820,893 SH   SOLE   0 0 820,893
ELI LILLY & CO COM 532457108   251,009 322 SH   SOLE   0 0 322
INTERNATIONAL BUSINESS MACHS COM 459200101   210,473 714 SH   SOLE   0 0 714
INVESCO QQQ TR UNIT SER 1 46090E103   297,334 539 SH   SOLE   0 0 539
ISHARES INC CORE MSCI EMKT 46434G103   5,221,493 86,981 SH   SOLE   0 0 86,981
ISHARES TR ISHS 5-10YR INVT 464288638   213,557 4,007 SH   SOLE   0 0 4,007
ISHARES TR CORE US AGGBD ET 464287226   21,382,693 215,551 SH   SOLE   0 0 215,551
ISHARES TR RUS 1000 VAL ETF 464287598   710,493 3,658 SH   SOLE   0 0 3,658
ISHARES TR RUSSELL 2000 ETF 464287655   787,018 3,647 SH   SOLE   0 0 3,647
ISHARES TR S&P 500 VAL ETF 464287408   21,624,826 110,658 SH   SOLE   0 0 110,658
ISHARES TR RUS MID CAP ETF 464287499   374,170 4,068 SH   SOLE   0 0 4,068
ISHARES TR CORE S&P MCP ETF 464287507   90,419,025 1,457,901 SH   SOLE   0 0 1,455,580
ISHARES TR TIPS BD ETF 464287176   14,838,200 134,843 SH   SOLE   0 0 134,838
ISHARES TR SHRT NAT MUN ETF 464288158   6,993,450 65,765 SH   SOLE   0 0 65,765
ISHARES TR NATIONAL MUN ETF 464288414   35,943,194 344,020 SH   SOLE   0 0 344,020
ISHARES TR 0-5 YR TIPS ETF 46429B747   7,182,295 69,792 SH   SOLE   0 0 69,792
ISHARES TR MSCI USA QLT FCT 46432F339   13,509,717 73,896 SH   SOLE   0 0 73,896
ISHARES TR SP SMCP600VL ETF 464287879   4,368,994 43,914 SH   SOLE   0 0 43,914
ISHARES TR CORE S&P SCP ETF 464287804   19,480,334 178,244 SH   SOLE   0 0 177,859
ISHARES TR RUS 2000 VAL ETF 464287630   423,901 2,687 SH   SOLE   0 0 2,687
ISHARES TR CORE S&P US VLU 464287663   10,732,869 113,419 SH   SOLE   0 0 113,389
ISHARES TR RUSSELL 3000 ETF 464287689   4,648,995 13,245 SH   SOLE   0 0 13,245
ISHARES TR CORE S&P500 ETF 464287200   14,881,459 23,968 SH   SOLE   0 0 23,968
ISHARES TR MORNINGSTR US EQ 464287127   287,891 3,356 SH   SOLE   0 0 3,356
ISHARES TR MSCI EAFE ETF 464287465   298,391 3,338 SH   SOLE   0 0 3,338
ISHARES TR EAFE VALUE ETF 464288877   231,956 3,654 SH   SOLE   0 0 3,654
ISHARES TR ISHS 1-5YR INVS 464288646   25,189,151 477,429 SH   SOLE   0 0 477,429
ISHARES TR CORE 1 5 YR USD 46432F859   4,405,370 90,552 SH   SOLE   0 0 90,552
ISHARES TR S&P MC 400VL ETF 464287705   14,899,921 120,569 SH   SOLE   0 0 120,569
ISHARES TR MBS ETF 464288588   46,045,140 490,415 SH   SOLE   0 0 490,273
JPMORGAN CHASE & CO. COM 46625H100   447,331 1,543 SH   SOLE   0 0 1,543
MASTERCARD INCORPORATED CL A 57636Q104   227,024 404 SH   SOLE   0 0 404
META PLATFORMS INC CL A 30303M102   583,091 790 SH   SOLE   0 0 790
MICROSOFT CORP COM 594918104   1,574,303 3,165 SH   SOLE   0 0 3,165
NVIDIA CORPORATION COM 67066G104   1,685,753 10,670 SH   SOLE   0 0 10,670
PIMCO ETF TR 1-5 US TIP IDX 72201R205   4,606,889 85,614 SH   SOLE   0 0 85,614
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,350,814 33,753 SH   SOLE   0 0 33,753
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   564,755 19,334 SH   SOLE   0 0 19,334
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,529,404 416,181 SH   SOLE   0 0 416,181
SCHWAB STRATEGIC TR US TIPS ETF 808524870   49,369,994 1,850,449 SH   SOLE   0 0 1,845,969
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   18,025,413 737,537 SH   SOLE   0 0 737,536
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   330,130 14,938 SH   SOLE   0 0 14,938
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   19,316,404 688,642 SH   SOLE   0 0 688,642
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   228,963 8,275 SH   SOLE   0 0 8,275
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   316,107 5,015 SH   SOLE   0 0 5,015
SPDR S&P 500 ETF TR TR UNIT 78462F103   43,684,010 70,703 SH   SOLE   0 0 70,703
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   10,823,937 19,107 SH   SOLE   0 0 19,107
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   115,502,601 2,206,774 SH   SOLE   0 0 2,202,898
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   11,764,779 147,502 SH   SOLE   0 0 147,502
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847   503,776 9,264 SH   SOLE   0 0 9,264
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839   55,699,114 701,235 SH   SOLE   0 0 699,861
SPDR SERIES TRUST PRTFLO AGG BOND 78464A649   220,458 8,611 SH   SOLE   0 0 9,878
SPDR SERIES TRUST RUSSELL YIELD 78468R770   248,473 2,295 SH   SOLE   0 0 2,295
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   11,397,210 119,380 SH   SOLE   0 0 119,380
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   14,238,087 75,450 SH   SOLE   0 0 75,450
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   87,493,351 1,188,284 SH   SOLE   0 0 1,187,845
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,084,094 242,492 SH   SOLE   0 0 242,492
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,031,018 3,614 SH   SOLE   0 0 3,614
VANGUARD INDEX FDS VALUE ETF 922908744   14,533,958 82,234 SH   SOLE   0 0 82,234
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,501,283 16,857 SH   SOLE   0 0 16,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,074,529 3,535 SH   SOLE   0 0 3,535
VANGUARD INDEX FDS SMALL CP ETF 922908751   601,274 2,537 SH   SOLE   0 0 2,537
VANGUARD INDEX FDS MID CAP ETF 922908629   1,120,453 4,004 SH   SOLE   0 0 4,004
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   138,426,689 243,696 SH   SOLE   0 0 243,410
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   14,906,394 90,638 SH   SOLE   0 0 90,638
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,811,576 24,673 SH   SOLE   0 0 24,673
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,959,139 80,047 SH   SOLE   0 0 80,030
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   406,865 3,166 SH   SOLE   0 0 3,166
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,320,096 85,938 SH   SOLE   0 0 85,938
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   61,740,061 1,259,230 SH   SOLE   0 0 1,259,181
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   342,273 4,127 SH   SOLE   0 0 4,128
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   54,796,939 689,269 SH   SOLE   0 0 688,883
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,894,226 40,876 SH   SOLE   0 0 39,490
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   769,566 3,760 SH   SOLE   0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,802,942 31,625 SH   SOLE   0 0 31,599
VISA INC COM CL A 92826C839   267,708 754 SH   SOLE   0 0 754
WALMART INC COM 931142103   242,103 2,476 SH   SOLE   0 0 2,476
WISDOMTREE TR US LARGECAP DIVD 97717W307   612,439 7,456 SH   SOLE   0 0 7,456