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 265,523 1,808 SH   SOLE   0 0 1,808
ABBOTT LABS COM 002824100 BBG001S5N9M6 347,543 2,620 SH   SOLE   0 0 2,620
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 329,229 2,129 SH   SOLE   0 0 2,129
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 857,859 5,491 SH   SOLE   0 0 5,491
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,152,595 6,058 SH   SOLE   0 0 6,058
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 26,885,233 555,480 SH   SOLE   0 0 555,480
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 300,260 1,116 SH   SOLE   0 0 1,116
APPLE INC COM 037833100 BBG001S5N8V8 3,351,394 15,088 SH   SOLE   0 0 15,088
AT&T INC COM 00206R102 BBG001S5VWH2 653,325 23,102 SH   SOLE   0 0 23,102
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,888,181 5,423 SH   SOLE   0 0 5,423
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 BBG01C8315P7 1,251,885 24,177 SH   SOLE   0 0 24,177
BLACKSTONE INC COM 09260D107 BBG001S7H949 329,461 2,357 SH   SOLE   0 0 2,357
CATERPILLAR INC COM 149123101 BBG001S5PJ06 375,312 1,138 SH   SOLE   0 0 1,138
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 386,306 3,509 SH   SOLE   0 0 3,509
COCA COLA CO COM 191216100 BBG001S5SMQ8 541,447 7,560 SH   SOLE   0 0 7,560
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 211,400 5,729 SH   SOLE   0 0 5,729
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 959,021 1,014 SH   SOLE   0 0 1,014
CROWDSTRIKE HLDGS INC CL A 22788C105 BBG00BLYKRZ7 256,678 728 SH   SOLE   0 0 728
DEERE & CO COM 244199105 BBG001S5QFF7 496,572 1,058 SH   SOLE   0 0 1,058
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 812,849 31,457 SH   SOLE   0 0 31,457
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 369,356 11,196 SH   SOLE   0 0 11,196
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 47,877,833 2,014,213 SH   SOLE   0 0 2,014,213
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 505,605 8,462 SH   SOLE   0 0 8,462
ETFIS SER TR I VIRTUS NEWFLEET 26923G707 BBG009RY71Y9 12,186,868 539,959 SH   SOLE   0 0 539,959
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 257,246 2,163 SH   SOLE   0 0 2,163
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106 BBG001T2Y423 173,965 11,590 SH   SOLE   0 0 11,590
GARTNER INC COM 366651107 BBG001S5SD60 651,017 1,551 SH   SOLE   0 0 1,551
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 294,221 1,470 SH   SOLE   0 0 1,470
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,101,302 3,005 SH   SOLE   0 0 3,005
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 226,573 1,070 SH   SOLE   0 0 1,070
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 369,011 1,484 SH   SOLE   0 0 1,484
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 294,190 594 SH   SOLE   0 0 594
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 225,358 6,448 SH   SOLE   0 0 6,448
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 551,189 15,362 SH   SOLE   0 0 15,362
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,367,612 23,438 SH   SOLE   0 0 23,438
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,118,692 58,513 SH   SOLE   0 0 58,513
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 505,853 4,146 SH   SOLE   0 0 4,146
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,204,893 2,144 SH   SOLE   0 0 2,144
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,482,592 18,149 SH   SOLE   0 0 18,149
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 246,899 5,771 SH   SOLE   0 0 5,771
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 115,525 10,116 SH   SOLE   0 0 10,116
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,595,750 32,903 SH   SOLE   0 0 32,903
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 348,824 4,268 SH   SOLE   0 0 4,268
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 405,865 1,124 SH   SOLE   0 0 1,124
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 222,593 1,183 SH   SOLE   0 0 1,183
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 731,431 6,109 SH   SOLE   0 0 6,109
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 2,427,365 17,284 SH   SOLE   0 0 17,284
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 355,211 6,860 SH   SOLE   0 0 6,860
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 548,267 3,306 SH   SOLE   0 0 3,306
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 606,628 2,473 SH   SOLE   0 0 2,473
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 551,687 1,235 SH   SOLE   0 0 1,235
LOWES COS INC COM 548661107 BBG001S5SVL3 616,660 2,644 SH   SOLE   0 0 2,644
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 282,945 516 SH   SOLE   0 0 516
MCDONALDS CORP COM 580135101 BBG001S5T110 272,387 872 SH   SOLE   0 0 872
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,437,508 6,493 SH   SOLE   0 0 6,493
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 235,980 539 SH   SOLE   0 0 539
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 330,418 4,661 SH   SOLE   0 0 4,661
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 240,640 1,016 SH   SOLE   0 0 1,016
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 511,337 4,718 SH   SOLE   0 0 4,718
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 621,537 3,647 SH   SOLE   0 0 3,647
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 298,722 471 SH   SOLE   0 0 471
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 310,957 612 SH   SOLE   0 0 612
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 470,300 17,058 SH   SOLE   0 0 17,058
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 9,563,673 483,502 SH   SOLE   0 0 483,502
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,111,844 51,642 SH   SOLE   0 0 51,642
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 28,400,441 1,083,986 SH   SOLE   0 0 1,083,986
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 505,849 23,517 SH   SOLE   0 0 23,517
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,765,550 203,395 SH   SOLE   0 0 203,395
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 712,769 3,452 SH   SOLE   0 0 3,452
SOUTHERN CO COM 842587107 BBG001S5W777 554,490 6,030 SH   SOLE   0 0 6,030
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 378,616 1,314 SH   SOLE   0 0 1,314
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,272,200 57,714 SH   SOLE   0 0 57,714
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,410,886 4,310 SH   SOLE   0 0 4,310
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 206,614 4,037 SH   SOLE   0 0 4,037
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 447,646 10,114 SH   SOLE   0 0 10,114
TESLA INC COM 88160R101 BBG001SQKGD7 475,040 1,833 SH   SOLE   0 0 1,833
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 300,279 1,671 SH   SOLE   0 0 1,671
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 453,811 912 SH   SOLE   0 0 912
UNION PAC CORP COM 907818108 BBG001S5X2M0 248,052 1,050 SH   SOLE   0 0 1,050
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 639,294 1,724 SH   SOLE   0 0 1,724
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,256,999 28,060 SH   SOLE   0 0 28,060
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,836,738 53,421 SH   SOLE   0 0 53,421
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 67,547,751 131,439 SH   SOLE   0 0 131,439
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,133,457 9,621 SH   SOLE   0 0 9,621
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 15,119,472 55,012 SH   SOLE   0 0 55,012
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 219,953 3,626 SH   SOLE   0 0 3,626
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 216,479 1,867 SH   SOLE   0 0 1,867
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 7,653,204 123,240 SH   SOLE   0 0 123,240
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 63,969,113 1,258,491 SH   SOLE   0 0 1,258,491
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 377,501 1,725 SH   SOLE   0 0 1,725
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 474,317 8,042 SH   SOLE   0 0 8,042
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 29,317,018 54,053 SH   SOLE   0 0 54,053
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 284,228 1,664 SH   SOLE   0 0 1,664
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 255,694 5,637 SH   SOLE   0 0 5,637
VISA INC COM CL A 92826C839 BBG001SRCFY3 478,728 1,366 SH   SOLE   0 0 1,366
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 17,550,240 568,521 SH   SOLE   0 0 568,521
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 220,743 5,246 SH   SOLE   0 0 5,246
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,768,348 57,094 SH   SOLE   0 0 57,094