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 260,026 1,708 SH   SOLE   0 0 1,708
ABBOTT LABS COM 002824100 BBG001S5N9M6 333,225 2,450 SH   SOLE   0 0 2,450
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 547,723 3,108 SH   SOLE   0 0 3,108
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 989,127 5,576 SH   SOLE   0 0 5,576
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,517,082 6,915 SH   SOLE   0 0 6,915
AMERICAN CENTY ETF TR AVANTIS US MID C 025072125 BBG01JYBR2Z3 2,220,467 33,547 SH   SOLE   0 0 33,547
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 28,930,156 560,988 SH   SOLE   0 0 560,988
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 456,460 1,431 SH   SOLE   0 0 1,431
APPLE INC COM 037833100 BBG001S5N8V8 3,355,049 16,353 SH   SOLE   0 0 16,353
ARK ETF TR NEXT GNRTN INTER 00214Q401 BBG0077Q7LG8 278,854 1,889 SH   SOLE   0 0 1,889
AT&T INC COM 00206R102 BBG001S5VWH2 665,852 23,008 SH   SOLE   0 0 23,008
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,630,445 5,415 SH   SOLE   0 0 5,415
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 BBG01C8315P7 1,255,270 24,177 SH   SOLE   0 0 24,177
BLACKSTONE INC COM 09260D107 BBG001S7H949 352,560 2,357 SH   SOLE   0 0 2,357
CATERPILLAR INC COM 149123101 BBG001S5PJ06 543,882 1,401 SH   SOLE   0 0 1,401
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 337,250 3,509 SH   SOLE   0 0 3,509
COCA COLA CO COM 191216100 BBG001S5SMQ8 541,804 7,658 SH   SOLE   0 0 7,658
CORNING INC COM 219350105 BBG001S5RLH1 207,468 3,945 SH   SOLE   0 0 3,945
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,065,175 1,076 SH   SOLE   0 0 1,076
CROWDSTRIKE HLDGS INC CL A 22788C105 BBG00BLYKRZ7 345,312 678 SH   SOLE   0 0 678
CSX CORP COM 126408103 BBG001S5Q7Q3 227,268 6,965 SH   SOLE   0 0 6,965
DEERE & CO COM 244199105 BBG001S5QFF7 537,982 1,058 SH   SOLE   0 0 1,058
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 904,480 30,311 SH   SOLE   0 0 30,311
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 397,896 11,102 SH   SOLE   0 0 11,102
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 48,641,180 2,073,367 SH   SOLE   0 0 2,073,367
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 589,891 9,259 SH   SOLE   0 0 9,259
ETFIS SER TR I VIRTUS NEWFLEET 26923G707 BBG009RY71Y9 14,208,001 622,339 SH   SOLE   0 0 622,339
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 425,163 3,944 SH   SOLE   0 0 3,944
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106 BBG001T2Y423 202,895 11,185 SH   SOLE   0 0 11,185
GARTNER INC COM 366651107 BBG001S5SD60 626,945 1,551 SH   SOLE   0 0 1,551
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 378,363 1,470 SH   SOLE   0 0 1,470
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,078,288 2,941 SH   SOLE   0 0 2,941
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 249,182 1,070 SH   SOLE   0 0 1,070
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 407,976 1,384 SH   SOLE   0 0 1,384
INTUIT COM 461202103 BBG001S6TWR2 272,520 346 SH   SOLE   0 0 346
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 315,178 580 SH   SOLE   0 0 580
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 BBG001SNPT69 344,931 17,316 SH   SOLE   0 0 17,316
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 248,103 6,334 SH   SOLE   0 0 6,334
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 657,850 17,496 SH   SOLE   0 0 17,496
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 368,948 9,836 SH   SOLE   0 0 9,836
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,778,490 28,676 SH   SOLE   0 0 28,676
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,662,852 60,965 SH   SOLE   0 0 60,965
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 549,613 4,070 SH   SOLE   0 0 4,070
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,844,541 4,581 SH   SOLE   0 0 4,581
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,764,147 19,773 SH   SOLE   0 0 19,773
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 425,120 10,286 SH   SOLE   0 0 10,286
ISHARES TR ESG SELECT SCRE 46436E569 BBG00XDJC7F6 283,510 5,945 SH   SOLE   0 0 5,945
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 3,263,233 40,462 SH   SOLE   0 0 40,462
ISHARES TR LARGE CAP MAX BU 46438G471 BBG01RJXQD09 688,837 26,699 SH   SOLE   0 0 26,699
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 369,538 4,134 SH   SOLE   0 0 4,134
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 571,060 1,345 SH   SOLE   0 0 1,345
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 229,774 1,183 SH   SOLE   0 0 1,183
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 754,950 6,109 SH   SOLE   0 0 6,109
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 3,334,061 19,242 SH   SOLE   0 0 19,242
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 317,424 5,835 SH   SOLE   0 0 5,835
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 BBG00B2MF4T8 290,062 4,745 SH   SOLE   0 0 4,745
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 491,397 3,217 SH   SOLE   0 0 3,217
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 901,920 3,111 SH   SOLE   0 0 3,111
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 521,496 1,126 SH   SOLE   0 0 1,126
LOWES COS INC COM 548661107 BBG001S5SVL3 586,624 2,644 SH   SOLE   0 0 2,644
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 340,091 605 SH   SOLE   0 0 605
MCDONALDS CORP COM 580135101 BBG001S5T110 249,513 854 SH   SOLE   0 0 854
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 266,450 361 SH   SOLE   0 0 361
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,494,438 7,025 SH   SOLE   0 0 7,025
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 229,992 547 SH   SOLE   0 0 547
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 1,120,786 16,145 SH   SOLE   0 0 16,145
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 260,066 1,016 SH   SOLE   0 0 1,016
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 975,589 6,175 SH   SOLE   0 0 6,175
ORACLE CORP COM 68389X105 BBG001S5SJG6 388,724 1,778 SH   SOLE   0 0 1,778
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 441,172 2,769 SH   SOLE   0 0 2,769
PROSPECT CAP CORP COM 74348T102 BBG001SM4WF7 52,270 16,437 SH   SOLE   0 0 16,437
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 247,275 471 SH   SOLE   0 0 471
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 322,701 612 SH   SOLE   0 0 612
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 612,284 20,315 SH   SOLE   0 0 20,315
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 10,626,069 480,818 SH   SOLE   0 0 480,818
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,170,976 49,139 SH   SOLE   0 0 49,139
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 28,793,073 1,026,491 SH   SOLE   0 0 1,026,491
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 480,663 22,716 SH   SOLE   0 0 22,716
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 6,448,977 254,900 SH   SOLE   0 0 254,900
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 1,493,044 5,896 SH   SOLE   0 0 5,896
SOUTHERN CO COM 842587107 BBG001S5W777 553,766 6,030 SH   SOLE   0 0 6,030
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 293,246 962 SH   SOLE   0 0 962
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,498,025 58,447 SH   SOLE   0 0 58,447
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,730,803 4,420 SH   SOLE   0 0 4,420
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 BBG00B6WD879 429,238 10,114 SH   SOLE   0 0 10,114
TESLA INC COM 88160R101 BBG001SQKGD7 520,327 1,638 SH   SOLE   0 0 1,638
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 340,497 1,640 SH   SOLE   0 0 1,640
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 395,324 975 SH   SOLE   0 0 975
UNION PAC CORP COM 907818108 BBG001S5X2M0 215,585 937 SH   SOLE   0 0 937
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 843,482 1,924 SH   SOLE   0 0 1,924
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,885,741 28,180 SH   SOLE   0 0 28,180
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,473,541 50,231 SH   SOLE   0 0 50,231
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 74,779,594 131,647 SH   SOLE   0 0 131,647
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,824,091 11,917 SH   SOLE   0 0 11,917
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 16,305,816 53,650 SH   SOLE   0 0 53,650
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 243,740 3,626 SH   SOLE   0 0 3,626
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 388,973 5,019 SH   SOLE   0 0 5,019
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 333,381 2,594 SH   SOLE   0 0 2,594
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 209,173 1,022 SH   SOLE   0 0 1,022
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 8,678,188 125,607 SH   SOLE   0 0 125,607
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 71,163,361 1,248,261 SH   SOLE   0 0 1,248,261
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 206,443 2,577 SH   SOLE   0 0 2,577
VANGUARD WORLD FD COMM SRVC ETF 92204A884 BBG001SHTV72 302,552 1,769 SH   SOLE   0 0 1,769
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 371,615 1,697 SH   SOLE   0 0 1,697
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 390,970 5,969 SH   SOLE   0 0 5,969
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 36,715,101 55,354 SH   SOLE   0 0 55,354
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 350,019 1,983 SH   SOLE   0 0 1,983
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 240,278 5,553 SH   SOLE   0 0 5,553
VISA INC COM CL A 92826C839 BBG001SRCFY3 545,002 1,535 SH   SOLE   0 0 1,535
WALMART INC COM 931142103 BBG001S5XH92 407,938 4,172 SH   SOLE   0 0 4,172
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 19,683,980 570,881 SH   SOLE   0 0 570,881
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 237,582 5,246 SH   SOLE   0 0 5,246
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 4,325,812 57,593 SH   SOLE   0 0 57,593
XCEL ENERGY INC COM 98389B100 BBG001S7F0X8 241,210 3,542 SH   SOLE   0 0 3,542