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
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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
3M CO COM 88579Y101 BBG001S5T7X2 220,486 1,708 SH   SOLE   0 0 1,708
ABBOTT LABS COM 002824100 BBG001S5N9M6 251,104 2,220 SH   SOLE   0 0 2,220
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 502,004 1,427 SH   SOLE   0 0 1,427
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 297,769 1,573 SH   SOLE   0 0 1,573
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,034,089 5,430 SH   SOLE   0 0 5,430
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,588,164 7,239 SH   SOLE   0 0 7,239
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 30,659,384 564,006 SH   SOLE   0 0 564,006
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 331,218 1,116 SH   SOLE   0 0 1,116
APPLE INC COM 037833100 BBG001S5N8V8 3,667,785 14,647 SH   SOLE   0 0 14,647
AT&T INC COM 00206R102 BBG001S5VWH2 526,146 23,107 SH   SOLE   0 0 23,107
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,461,764 5,431 SH   SOLE   0 0 5,431
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 BBG01C8315P7 1,151,779 22,248 SH   SOLE   0 0 22,248
BLACKSTONE INC COM 09260D107 BBG001S7H949 406,394 2,357 SH   SOLE   0 0 2,357
CATERPILLAR INC COM 149123101 BBG001S5PJ06 695,048 1,916 SH   SOLE   0 0 1,916
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 367,427 3,509 SH   SOLE   0 0 3,509
COCA COLA CO COM 191216100 BBG001S5SMQ8 424,675 6,821 SH   SOLE   0 0 6,821
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 215,460 5,741 SH   SOLE   0 0 5,741
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 970,330 1,059 SH   SOLE   0 0 1,059
CROWDSTRIKE HLDGS INC CL A 22788C105 BBG00BLYKRZ7 231,984 678 SH   SOLE   0 0 678
CSX CORP COM 126408103 BBG001S5Q7Q3 204,075 6,324 SH   SOLE   0 0 6,324
DEERE & CO COM 244199105 BBG001S5QFF7 437,682 1,033 SH   SOLE   0 0 1,033
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 846,411 34,470 SH   SOLE   0 0 34,470
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 391,247 11,311 SH   SOLE   0 0 11,311
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 45,376,829 1,950,014 SH   SOLE   0 0 1,950,014
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 550,707 8,462 SH   SOLE   0 0 8,462
ELI LILLY & CO COM 532457108 BBG001S5STL8 419,968 544 SH   SOLE   0 0 544
EQUIFAX INC COM 294429105 BBG001S5QSK3 206,429 810 SH   SOLE   0 0 810
ETFIS SER TR I VIRTUS NEWFLEET 26923G707 BBG009RY71Y9 9,515,197 423,840 SH   SOLE   0 0 423,840
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 227,295 2,113 SH   SOLE   0 0 2,113
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106 BBG001T2Y423 167,609 11,325 SH   SOLE   0 0 11,325
GARTNER INC COM 366651107 BBG001S5SD60 751,413 1,551 SH   SOLE   0 0 1,551
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 245,181 1,470 SH   SOLE   0 0 1,470
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,133,906 2,915 SH   SOLE   0 0 2,915
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 241,702 1,070 SH   SOLE   0 0 1,070
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 313,258 1,425 SH   SOLE   0 0 1,425
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 302,737 580 SH   SOLE   0 0 580
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 222,896 436 SH   SOLE   0 0 436
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 217,035 6,500 SH   SOLE   0 0 6,500
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 533,842 15,257 SH   SOLE   0 0 15,257
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,460,427 23,438 SH   SOLE   0 0 23,438
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,442,525 55,915 SH   SOLE   0 0 55,915
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 523,483 4,070 SH   SOLE   0 0 4,070
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,322,951 2,247 SH   SOLE   0 0 2,247
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,489,222 19,559 SH   SOLE   0 0 19,559
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 275,103 6,073 SH   SOLE   0 0 6,073
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,326,215 29,577 SH   SOLE   0 0 29,577
ISHARES TR LARGE CAP MAX BU 46438G612 BBG01NKW06W6 304,426 11,648 SH   SOLE   0 0 11,648
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 322,703 4,268 SH   SOLE   0 0 4,268
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 763,381 6,109 SH   SOLE   0 0 6,109
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 2,248,115 14,093 SH   SOLE   0 0 14,093
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 540,156 3,735 SH   SOLE   0 0 3,735
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 874,702 3,649 SH   SOLE   0 0 3,649
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 824,154 1,696 SH   SOLE   0 0 1,696
LOWES COS INC COM 548661107 BBG001S5SVL3 652,539 2,644 SH   SOLE   0 0 2,644
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 273,400 519 SH   SOLE   0 0 519
MCDONALDS CORP COM 580135101 BBG001S5T110 398,309 1,374 SH   SOLE   0 0 1,374
MERCK & CO INC COM 58933Y105 BBG001S5TC52 339,227 3,410 SH   SOLE   0 0 3,410
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,556,308 8,437 SH   SOLE   0 0 8,437
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 249,142 539 SH   SOLE   0 0 539
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 616,821 8,604 SH   SOLE   0 0 8,604
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 408,143 1,739 SH   SOLE   0 0 1,739
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 403,139 3,002 SH   SOLE   0 0 3,002
ORACLE CORP COM 68389X105 BBG001S5SJG6 234,962 1,410 SH   SOLE   0 0 1,410
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 534,636 3,189 SH   SOLE   0 0 3,189
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 335,507 471 SH   SOLE   0 0 471
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 304,794 612 SH   SOLE   0 0 612
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 481,214 18,070 SH   SOLE   0 0 18,070
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 7,998,404 432,346 SH   SOLE   0 0 432,346
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,188,813 52,371 SH   SOLE   0 0 52,371
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 29,393,737 1,060,763 SH   SOLE   0 0 1,060,763
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 545,305 25,893 SH   SOLE   0 0 25,893
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,028,865 155,795 SH   SOLE   0 0 155,795
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 802,427 3,451 SH   SOLE   0 0 3,451
SOUTHERN CO COM 842587107 BBG001S5W777 511,318 6,211 SH   SOLE   0 0 6,211
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 269,975 1,115 SH   SOLE   0 0 1,115
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,993,935 51,966 SH   SOLE   0 0 51,966
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,330,898 2,271 SH   SOLE   0 0 2,271
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 449,782 10,402 SH   SOLE   0 0 10,402
TESLA INC COM 88160R101 BBG001SQKGD7 645,336 1,598 SH   SOLE   0 0 1,598
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 313,329 1,671 SH   SOLE   0 0 1,671
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 435,433 837 SH   SOLE   0 0 837
UNION PAC CORP COM 907818108 BBG001S5X2M0 220,515 967 SH   SOLE   0 0 967
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 742,486 1,809 SH   SOLE   0 0 1,809
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,275,304 27,544 SH   SOLE   0 0 27,544
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,566,434 51,262 SH   SOLE   0 0 51,262
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 71,089,765 131,938 SH   SOLE   0 0 131,938
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,326,872 9,684 SH   SOLE   0 0 9,684
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 15,614,356 53,878 SH   SOLE   0 0 53,878
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 200,992 3,501 SH   SOLE   0 0 3,501
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 6,341,281 107,607 SH   SOLE   0 0 107,607
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 59,082,308 1,235,515 SH   SOLE   0 0 1,235,515
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 393,484 1,861 SH   SOLE   0 0 1,861
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 333,169 5,876 SH   SOLE   0 0 5,876
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 33,662,547 54,137 SH   SOLE   0 0 54,137
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 281,246 1,721 SH   SOLE   0 0 1,721
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 265,574 6,641 SH   SOLE   0 0 6,641
VISA INC COM CL A 92826C839 BBG001SRCFY3 365,658 1,157 SH   SOLE   0 0 1,157
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 16,773,873 550,324 SH   SOLE   0 0 550,324
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 225,481 5,569 SH   SOLE   0 0 5,569
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,477,298 55,239 SH   SOLE   0 0 55,239