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
ABBOTT LABS COM 002824100   233,475 2,411 SH   SOLE   0 0 2,411
AIR PRODS & CHEMS INC COM 009158106   200,464 707 SH   SOLE   0 0 707
AMAZON COM INC COM 023135106   806,576 6,345 SH   SOLE   0 0 6,345
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   7,299,212 194,283 SH   SOLE   0 0 194,283
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   757,864 14,356 SH   SOLE   0 0 14,356
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   325,553 5,850 SH   SOLE   0 0 5,850
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,138,141 104,402 SH   SOLE   0 0 104,402
AMERICAN CENTY ETF TR US EQT ETF 025072885   658,607 8,990 SH   SOLE   0 0 8,990
APPLE INC COM 037833100   3,858,677 22,538 SH   SOLE   0 0 22,538
AUTODESK INC COM 052769106   286,570 1,385 SH   SOLE   0 0 1,385
BP PLC SPONSORED ADR 055622104   200,208 5,171 SH   SOLE   0 0 5,171
BANK AMERICA CORP COM 060505104   525,019 19,175 SH   SOLE   0 0 19,175
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   909,029 2,595 SH   SOLE   0 0 2,595
CVS HEALTH CORP COM 126650100   264,205 3,784 SH   SOLE   0 0 3,784
CAMBRIA ETF TR EMRG SHAREHLDR 132061706   1,104,209 38,501 SH   SOLE   0 0 38,501
CATERPILLAR INC COM 149123101   221,078 810 SH   SOLE   0 0 810
CERUS CORP COM 157085101   24,300 15,000 SH   SOLE   0 0 15,000
CHEVRON CORP NEW COM 166764100   256,646 1,522 SH   SOLE   0 0 1,522
COCA COLA CO COM 191216100   1,504,113 26,869 SH   SOLE   0 0 26,869
DBX ETF TR XTRACK MSCI EAFE 233051630   1,573,628 69,660 SH   SOLE   0 0 69,660
DANAHER CORPORATION COM 235851102   218,694 881 SH   SOLE   0 0 881
DEERE & CO COM 244199105   252,036 668 SH   SOLE   0 0 668
DISNEY WALT CO COM 254687106   361,152 4,456 SH   SOLE   0 0 4,456
ERICSSON ADR B SEK 10 294821608   103,596 21,316 SH   SOLE   0 0 21,316
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   418,699 9,612 SH   SOLE   0 0 9,612
GENERAL DYNAMICS CORP COM 369550108   223,123 1,010 SH   SOLE   0 0 1,010
GILEAD SCIENCES INC COM 375558103   331,043 4,417 SH   SOLE   0 0 4,417
HOME DEPOT INC COM 437076102   1,676,231 5,547 SH   SOLE   0 0 5,547
HONEYWELL INTL INC COM 438516106   205,099 1,110 SH   SOLE   0 0 1,110
INTEL CORP COM 458140100   255,002 7,173 SH   SOLE   0 0 7,173
ISHARES GOLD TR ISHARES NEW 464285204   573,416 16,388 SH   SOLE   0 0 16,388
ISHARES INC MSCI EMERG MRKT 464286533   593,465 11,124 SH   SOLE   0 0 11,124
ISHARES TR S&P 100 ETF 464287101   284,307 1,417 SH   SOLE   0 0 1,417
ISHARES TR SELECT DIVID ETF 464287168   787,494 7,316 SH   SOLE   0 0 7,316
ISHARES TR CORE S&P500 ETF 464287200   1,985,942 4,625 SH   SOLE   0 0 4,625
ISHARES TR CORE US AGGBD ET 464287226   12,713,525 135,193 SH   SOLE   0 0 135,193
ISHARES TR S&P 500 GRWT ETF 464287309   683,926 9,996 SH   SOLE   0 0 9,996
ISHARES TR 20 YR TR BD ETF 464287432   6,560,931 73,976 SH   SOLE   0 0 73,976
ISHARES TR MSCI EAFE ETF 464287465   245,355 3,560 SH   SOLE   0 0 3,560
ISHARES TR RUS MD CP GR ETF 464287481   1,151,924 12,610 SH   SOLE   0 0 12,610
ISHARES TR CORE S&P MCP ETF 464287507   490,911 1,969 SH   SOLE   0 0 1,969
ISHARES TR RUS 1000 VAL ETF 464287598   2,528,137 16,652 SH   SOLE   0 0 16,652
ISHARES TR S&P MC 400GR ETF 464287606   270,900 3,750 SH   SOLE   0 0 3,750
ISHARES TR RUS 1000 GRW ETF 464287614   1,403,903 5,278 SH   SOLE   0 0 5,278
ISHARES TR RUS 2000 VAL ETF 464287630   478,356 3,529 SH   SOLE   0 0 3,529
ISHARES TR RUS 2000 GRW ETF 464287648   250,376 1,117 SH   SOLE   0 0 1,117
ISHARES TR RUSSELL 2000 ETF 464287655   2,953,033 16,708 SH   SOLE   0 0 16,708
ISHARES TR RUSSELL 3000 ETF 464287689   668,769 2,729 SH   SOLE   0 0 2,729
ISHARES TR S&P MC 400VL ETF 464287705   200,599 1,988 SH   SOLE   0 0 1,988
ISHARES TR SP SMCP600VL ETF 464287879   304,062 3,408 SH   SOLE   0 0 3,408
ISHARES TR GL CLEAN ENE ETF 464288224   206,639 14,134 SH   SOLE   0 0 14,134
ISHARES TR USD INV GRDE ETF 464288620   424,459 8,830 SH   SOLE   0 0 8,830
ISHARES TR ISHS 1-5YR INVS 464288646   8,005,757 160,661 SH   SOLE   0 0 160,661
ISHARES TR 10-20 YR TRS ETF 464288653   337,260 3,425 SH   SOLE   0 0 3,425
ISHARES TR PFD AND INCM SEC 464288687   1,768,098 58,643 SH   SOLE   0 0 58,643
ISHARES TR MSCI USA ESG SLC 464288802   1,272,373 14,142 SH   SOLE   0 0 14,142
ISHARES TR EAFE VALUE ETF 464288877   880,596 17,997 SH   SOLE   0 0 17,997
ISHARES TR EAFE GRWTH ETF 464288885   744,776 8,630 SH   SOLE   0 0 8,630
JOHNSON & JOHNSON COM 478160104   332,114 2,132 SH   SOLE   0 0 2,132
ELI LILLY & CO COM 532457108   621,087 1,156 SH   SOLE   0 0 1,156
LOWES COS INC COM 548661107   258,519 1,244 SH   SOLE   0 0 1,244
MARSH & MCLENNAN COS INC COM 571748102   263,313 1,384 SH   SOLE   0 0 1,384
MCDONALDS CORP COM 580135101   364,305 1,383 SH   SOLE   0 0 1,383
MICROSOFT CORP COM 594918104   4,154,750 13,158 SH   SOLE   0 0 13,158
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   109,097 12,850 SH   SOLE   0 0 12,850
MORGAN STANLEY COM NEW 617446448   263,097 3,221 SH   SOLE   0 0 3,221
NATWEST GROUP PLC SPONS ADR 639057207   70,426 12,080 SH   SOLE   0 0 12,080
NOVO-NORDISK A S ADR 670100205   323,019 3,552 SH   SOLE   0 0 3,552
POSCO HOLDINGS INC SPONSORED ADR 693483109   218,223 2,129 SH   SOLE   0 0 2,129
PEPSICO INC COM 713448108   391,092 2,308 SH   SOLE   0 0 2,308
PFIZER INC COM 717081103   1,365,175 41,157 SH   SOLE   0 0 41,157
PROCTER AND GAMBLE CO COM 742718109   683,541 4,686 SH   SOLE   0 0 4,686
PULTE GROUP INC COM 745867101   257,362 3,476 SH   SOLE   0 0 3,476
QUALCOMM INC COM 747525103   205,242 1,848 SH   SOLE   0 0 1,848
RIO TINTO PLC SPONSORED ADR 767204100   218,222 3,429 SH   SOLE   0 0 3,429
ROYAL BK CDA COM 780087102   1,463,571 16,738 SH   SOLE   0 0 16,738
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   675,569 9,290 SH   SOLE   0 0 9,290
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,172,884 30,708 SH   SOLE   0 0 30,708
SCHWAB STRATEGIC TR US TIPS ETF 808524870   466,376 9,237 SH   SOLE   0 0 9,237
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   223,602 8,441 SH   SOLE   0 0 8,441
SOUTHERN CO COM 842587107   243,320 3,760 SH   SOLE   0 0 3,760
STRYKER CORPORATION COM 863667101   258,326 945 SH   SOLE   0 0 945
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   457,615 5,266 SH   SOLE   0 0 5,266
TELEFONICA S A SPONSORED ADR 879382208   52,129 12,808 SH   SOLE   0 0 12,808
TEXAS INSTRS INC COM 882508104   213,292 1,341 SH   SOLE   0 0 1,341
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   67,880 14,351 SH   SOLE   0 0 14,351
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   317,969 4,230 SH   SOLE   0 0 4,230
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   583,693 13,351 SH   SOLE   0 0 13,351
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,983,237 76,084 SH   SOLE   0 0 76,084
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   717,463 1,827 SH   SOLE   0 0 1,827
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   4,983,970 25,589 SH   SOLE   0 0 25,589
VANGUARD INDEX FDS GROWTH ETF 922908736   780,081 2,865 SH   SOLE   0 0 2,865
VANGUARD INDEX FDS SMALL CP ETF 922908751   204,029 1,079 SH   SOLE   0 0 1,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769   394,098 1,855 SH   SOLE   0 0 1,855
WALMART INC COM 931142103   378,652 2,368 SH   SOLE   0 0 2,368
WELLS FARGO CO NEW COM 949746101   224,502 5,494 SH   SOLE   0 0 5,494
INVESCO QQQ TR UNIT SER 1 46090E103   3,034,113 8,469 SH   SOLE   0 0 8,469
VALE S A SPONSORED ADS 91912E105   142,898 10,664 SH   SOLE   0 0 10,664
BARCLAYS PLC ADR 06738KVE8   104,199 13,376 SH   SOLE   0 0 13,376
AT&T INC COM 00206R102   228,538 15,216 SH   SOLE   0 0 15,216
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   174,035 23,143 SH   SOLE   0 0 23,143
ABBVIE INC COM 00287Y109   515,734 3,460 SH   SOLE   0 0 3,460
ADOBE INC COM 00724F101   528,766 1,037 SH   SOLE   0 0 1,037
ALPHABET INC CAP STK CL C 02079K107   555,484 4,213 SH   SOLE   0 0 4,213
ALPHABET INC CAP STK CL A 02079K305   906,598 6,928 SH   SOLE   0 0 6,928
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   174,460 21,672 SH   SOLE   0 0 21,672
BLACKSTONE INC COM 09260D107   232,283 2,168 SH   SOLE   0 0 2,168
BROADCOM INC COM 11135F101   838,954 1,010 SH   SOLE   0 0 1,010
CISCO SYS INC COM 17275R102   501,704 9,332 SH   SOLE   0 0 9,332
COMCAST CORP NEW CL A 20030N101   439,169 9,905 SH   SOLE   0 0 9,905
CONOCOPHILLIPS COM 20825C104   221,382 1,848 SH   SOLE   0 0 1,848
COSTCO WHSL CORP NEW COM 22160K105   230,612 408 SH   SOLE   0 0 408
D R HORTON INC COM 23331A109   214,844 1,999 SH   SOLE   0 0 1,999
DLH HLDGS CORP COM 23335Q100   212,301 18,192 SH   SOLE   0 0 18,192
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,427,595 30,668 SH   SOLE   0 0 30,668
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,822,164 107,716 SH   SOLE   0 0 107,716
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   29,961,724 1,292,011 SH   SOLE   0 0 1,292,011
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   48,528,463 1,889,002 SH   SOLE   0 0 1,889,002
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   2,462,293 55,809 SH   SOLE   0 0 55,809
EXXON MOBIL CORP COM 30231G102   738,988 6,285 SH   SOLE   0 0 6,285
META PLATFORMS INC CL A 30303M102   496,848 1,655 SH   SOLE   0 0 1,655
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100   287,427 3,473 SH   SOLE   0 0 3,473
FIRST TR EXCH TRD ALPHDX FD EMERG MKT ALPH 33737J182   666,087 31,916 SH   SOLE   0 0 31,916
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   9,903,303 176,561 SH   SOLE   0 0 176,561
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,276,045 21,475 SH   SOLE   0 0 21,475
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102   4,105,301 145,423 SH   SOLE   0 0 145,423
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   669,952 4,728 SH   SOLE   0 0 4,728
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   251,537 7,905 SH   SOLE   0 0 7,905
IQVIA HLDGS INC COM 46266C105   245,741 1,249 SH   SOLE   0 0 1,249
ISHARES TR US TREAS BD ETF 46429B267   287,468 13,043 SH   SOLE   0 0 13,043
ISHARES TR CORE HIGH DV ETF 46429B663   587,703 5,943 SH   SOLE   0 0 5,943
ISHARES TR MSCI USA QLT FCT 46432F339   252,641 1,917 SH   SOLE   0 0 1,917
ISHARES TR MSCI USA MMENTM 46432F396   223,520 1,600 SH   SOLE   0 0 1,600
ISHARES TR CORE MSCI EAFE 46432F842   7,970,443 123,861 SH   SOLE   0 0 123,861
ISHARES INC MSCI EMRG CHN 46434G764   27,530,726 552,493 SH   SOLE   0 0 552,493
ISHARES TR CORE TOTAL USD 46434V613   334,376 7,649 SH   SOLE   0 0 7,649
ISHARES TR CORE DIV GRWTH 46434V621   4,019,163 81,146 SH   SOLE   0 0 81,146
ISHARES TR ESG AWRE USD ETF 46435G193   1,026,565 47,177 SH   SOLE   0 0 47,177
ISHARES TR ESG AWRE 1 5 YR 46435G243   487,635 20,515 SH   SOLE   0 0 20,515
ISHARES TR ESG AWR MSCI USA 46435G425   333,875 3,555 SH   SOLE   0 0 3,555
ISHARES TR ESG AW MSCI EAFE 46435G516   755,620 10,930 SH   SOLE   0 0 10,930
ISHARES TR USD GRN BOND ETF 46435U440   507,388 11,243 SH   SOLE   0 0 11,243
ISHARES TR ESG AWR US AGRGT 46435U549   1,047,959 23,134 SH   SOLE   0 0 23,134
JPMORGAN CHASE & CO COM 46625H100   904,781 6,239 SH   SOLE   0 0 6,239
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,323,946 80,731 SH   SOLE   0 0 80,731
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   16,821,823 335,230 SH   SOLE   0 0 335,230
MASTERCARD INCORPORATED CL A 57636Q104   798,611 2,017 SH   SOLE   0 0 2,017
MERCK & CO INC COM 58933Y105   384,672 3,736 SH   SOLE   0 0 3,736
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   49,560 14,449 SH   SOLE   0 0 14,449
NETFLIX INC COM 64110L106   371,558 984 SH   SOLE   0 0 984
NVIDIA CORPORATION COM 67066G104   451,094 1,037 SH   SOLE   0 0 1,037
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   326,933 5,452 SH   SOLE   0 0 5,452
PIMCO ENERGY & TACTICAL CR O COM SHS BEN INT 69346N107   1,428,256 72,025 SH   SOLE   0 0 72,025
PACER FDS TR US CASH COWS 100 69374H881   16,380,370 331,385 SH   SOLE   0 0 331,385
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   362,136 3,616 SH   SOLE   0 0 3,616
PROSHARES TR DJ BRKFLD GLB 74347B508   7,705,166 186,160 SH   SOLE   0 0 186,160
SPDR S&P 500 ETF TR TR UNIT 78462F103   17,501,280 40,941 SH   SOLE   0 0 40,941
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,126,422 19,002 SH   SOLE   0 0 19,002
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,065,606 25,827 SH   SOLE   0 0 25,827
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   363,756 1,086 SH   SOLE   0 0 1,086
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   237,909 521 SH   SOLE   0 0 521
SPDR SER TR SPDR MSCI USA GE 78468R747   285,327 3,357 SH   SOLE   0 0 3,357
SALESFORCE INC COM 79466L302   236,644 1,167 SH   SOLE   0 0 1,167
SIBANYE STILLWATER LTD SPONSORED ADR 82575P107   68,684 11,132 SH   SOLE   0 0 11,132
TESLA INC COM 88160R101   507,196 2,027 SH   SOLE   0 0 2,027
TRUIST FINL CORP COM 89832Q109   254,113 8,882 SH   SOLE   0 0 8,882
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   506,625 19,938 SH   SOLE   0 0 19,938
UNITEDHEALTH GROUP INC COM 91324P102   365,811 726 SH   SOLE   0 0 726
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   14,000,275 59,550 SH   SOLE   0 0 59,550
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   5,289,989 50,290 SH   SOLE   0 0 50,290
VIATRIS INC COM 92556V106   143,865 14,591 SH   SOLE   0 0 14,591
VISA INC COM CL A 92826C839   873,568 3,798 SH   SOLE   0 0 3,798
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   143,271 15,113 SH   SOLE   0 0 15,113
WISDOMTREE TR HEDGED HI YLD BD 97717W430   264,000 12,500 SH   SOLE   0 0 12,500
WISDOMTREE TR EM EX ST-OWNED 97717X578   331,395 12,426 SH   SOLE   0 0 12,426
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   816,996 16,236 SH   SOLE   0 0 16,236
DEUTSCHE BANK A G NAMEN AKT D18190898   110,548 10,059 SH   SOLE   0 0 10,059
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   315,709 1,028 SH   SOLE   0 0 1,028
UBS GROUP AG SHS H42097107   218,744 8,874 SH   SOLE   0 0 8,874
PERIMETER SOLUTIONS SA COMMON STOCK L7579L106   69,698 15,352 SH   SOLE   0 0 15,352
ASML HOLDING N V N Y REGISTRY SHS N07059210   236,053 401 SH   SOLE   0 0 401