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   216,115 2,016 SH   SOLE   0 0 2,016
ABBVIE INC COM 00287Y109   395,126 2,879 SH   SOLE   0 0 2,879
ADOBE SYSTEMS INCORPORATED COM 00724F101   335,459 697 SH   SOLE   0 0 697
ALPHABET INC CAP STK CL A 02079K305   504,582 4,201 SH   SOLE   0 0 4,201
ALPHABET INC CAP STK CL C 02079K107   705,989 5,838 SH   SOLE   0 0 5,838
AMAZON COM INC COM 023135106   473,392 3,688 SH   SOLE   0 0 3,688
AMERICAN CENTY ETF TR US SML CP VALU 025072877   14,126,830 186,124 SH   SOLE   0 0 186,124
AMERICAN CENTY ETF TR US EQT ETF 025072885   20,664,397 278,233 SH   SOLE   0 0 278,233
AMGEN INC COM 031162100   238,925 1,072 SH   SOLE   0 0 1,072
APPLE INC COM 037833100   13,197,013 68,803 SH   SOLE   0 0 68,803
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,183,295 6,394 SH   SOLE   0 0 6,394
BIOGEN INC COM 09062X103   200,918 705 SH   SOLE   0 0 705
BOOKING HOLDINGS INC COM 09857L108   260,636 99 SH   SOLE   0 0 99
COCA COLA CO COM 191216100   772,019 12,748 SH   SOLE   0 0 12,748
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   16,259,680 341,017 SH   SOLE   0 0 341,017
EA SERIES TRUST FREEDOM 100 EM 02072L607   25,049,487 812,240 SH   SOLE   0 0 812,240
ENEL CHILE S.A. SPONSORED ADR 29278D105   35,266 10,719 SH   SOLE   0 0 10,719
FISERV INC COM 337738108   1,086,504 8,665 SH   SOLE   0 0 8,665
GENERAL ELECTRIC CO COM NEW 369604301   234,174 2,181 SH   SOLE   0 0 2,181
GENERAL MLS INC COM 370334104   2,187,579 28,622 SH   SOLE   0 0 28,622
HOME DEPOT INC COM 437076102   447,349 1,481 SH   SOLE   0 0 1,481
INTUIT COM 461202103   240,800 533 SH   SOLE   0 0 533
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   858,929 37,183 SH   SOLE   0 0 37,183
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   1,321,568 23,972 SH   SOLE   0 0 23,972
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,493,560 23,836 SH   SOLE   0 0 23,836
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   21,885,366 452,457 SH   SOLE   0 0 452,457
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   2,715,356 54,503 SH   SOLE   0 0 54,503
INVESCO QQQ TR UNIT SER 1 46090E103   810,861 2,207 SH   SOLE   0 0 2,207
ISHARES INC MSCI EMERG MRKT 464286533   1,078,386 19,874 SH   SOLE   0 0 19,874
ISHARES INC EMNG MKTS EQT 46434G889   818,463 19,987 SH   SOLE   0 0 19,987
ISHARES INC ESG AWR MSCI EM 46434G863   1,108,352 35,581 SH   SOLE   0 0 35,581
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   297,201 15,094 SH   SOLE   0 0 15,094
ISHARES TR MSCI EMG MKT ETF 464287234   416,648 10,697 SH   SOLE   0 0 10,697
ISHARES TR EAFE VALUE ETF 464288877   327,529 6,865 SH   SOLE   0 0 6,865
ISHARES TR RUS 1000 GRW ETF 464287614   245,492 898 SH   SOLE   0 0 898
ISHARES TR CORE US AGGBD ET 464287226   397,718 4,121 SH   SOLE   0 0 4,121
ISHARES TR CORE S&P500 ETF 464287200   3,265,863 7,390 SH   SOLE   0 0 7,390
ISHARES TR GLOBAL TECH ETF 464287291   648,418 10,564 SH   SOLE   0 0 10,564
ISHARES TR MSCI USA MMENTM 46432F396   2,962,630 20,877 SH   SOLE   0 0 20,877
ISHARES TR MSCI INTL VLU FT 46435G409   999,707 40,165 SH   SOLE   0 0 40,165
ISHARES TR CORE S&P SCP ETF 464287804   2,418,780 24,826 SH   SOLE   0 0 24,826
ISHARES TR 1 3 YR TREAS BD 464287457   3,871,578 47,969 SH   SOLE   0 0 47,969
ISHARES TR MSCI USA SMCP MN 46435G433   297,155 8,776 SH   SOLE   0 0 8,776
ISHARES TR EAFE GRWTH ETF 464288885   304,088 3,301 SH   SOLE   0 0 3,301
ISHARES TR CORE S&P MCP ETF 464287507   622,836 2,421 SH   SOLE   0 0 2,421
ISHARES TR INTERNATIONAL SL 46434V266   22,970,917 761,888 SH   SOLE   0 0 761,888
ISHARES TR ISHS 1-5YR INVS 464288646   4,094,054 82,276 SH   SOLE   0 0 82,276
ISHARES TR MSCI USA QLT FCT 46432F339   49,725,676 372,449 SH   SOLE   0 0 372,449
ISHARES TR US TREAS BD ETF 46429B267   1,364,345 60,343 SH   SOLE   0 0 60,343
ISHARES TR CORE MSCI TOTAL 46432F834   1,364,309 22,318 SH   SOLE   0 0 22,318
ISHARES TR RUSSELL 3000 ETF 464287689   10,950,139 43,463 SH   SOLE   0 0 43,463
ISHARES TR MSCI USA MIN VOL 46429B697   6,476,538 87,829 SH   SOLE   0 0 87,829
ISHARES TR RUS TP200 GR ETF 464289438   45,111,439 285,950 SH   SOLE   0 0 285,950
ISHARES TR S&P 500 GRWT ETF 464287309   232,947 3,334 SH   SOLE   0 0 3,334
ISHARES TR USD INV GRDE ETF 464288620   474,464 9,647 SH   SOLE   0 0 9,647
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   9,086,994 207,513 SH   SOLE   0 0 207,513
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,348,200 26,991 SH   SOLE   0 0 26,991
JPMORGAN CHASE & CO COM 46625H100   307,629 2,148 SH   SOLE   0 0 2,148
LENNAR CORP CL A 526057104   832,914 6,911 SH   SOLE   0 0 6,911
LILLY ELI & CO COM 532457108   365,473 789 SH   SOLE   0 0 789
MASTERCARD INCORPORATED CL A 57636Q104   537,422 1,367 SH   SOLE   0 0 1,367
META PLATFORMS INC CL A 30303M102   208,481 714 SH   SOLE   0 0 714
MICROSOFT CORP COM 594918104   1,084,571 3,178 SH   SOLE   0 0 3,178
NOVO-NORDISK A S ADR 670100205   273,102 1,725 SH   SOLE   0 0 1,725
NVIDIA CORPORATION COM 67066G104   214,165 509 SH   SOLE   0 0 509
ORACLE CORP COM 68389X105   417,026 3,612 SH   SOLE   0 0 3,612
PACER FDS TR US CASH COWS 100 69374H881   28,415,905 604,594 SH   SOLE   0 0 604,594
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,977,597 55,184 SH   SOLE   0 0 55,184
PROCTER AND GAMBLE CO COM 742718109   292,885 1,927 SH   SOLE   0 0 1,927
ROYAL BK CDA COM 780087102   339,615 3,616 SH   SOLE   0 0 3,616
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,521,568 224,987 SH   SOLE   0 0 224,987
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   13,333,556 274,353 SH   SOLE   0 0 274,353
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,810,294 52,215 SH   SOLE   0 0 52,215
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   205,320 1,194 SH   SOLE   0 0 1,194
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   71,971,026 1,057,309 SH   SOLE   0 0 1,057,309
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,470,428 5,619 SH   SOLE   0 0 5,619
SPDR SER TR S&P 600 SMCP VAL 78464A300   295,725 3,920 SH   SOLE   0 0 3,920
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   248,227 2,497 SH   SOLE   0 0 2,497
TELEFONICA S A SPONSORED ADR 879382208   43,588 11,035 SH   SOLE   0 0 11,035
UNITEDHEALTH GROUP INC COM 91324P102   303,207 646 SH   SOLE   0 0 646
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,394,059 3,452 SH   SOLE   0 0 3,452
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   470,372 5,605 SH   SOLE   0 0 5,605
VANGUARD INDEX FDS SMALL CP ETF 922908751   12,063,940 61,806 SH   SOLE   0 0 61,806
VANGUARD INDEX FDS VALUE ETF 922908744   3,476,165 24,715 SH   SOLE   0 0 24,715
VANGUARD INDEX FDS MID CAP ETF 922908629   279,348 1,282 SH   SOLE   0 0 1,282
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   223,079 4,206 SH   SOLE   0 0 4,206
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,168,064 17,077 SH   SOLE   0 0 17,077
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   298,002 6,600 SH   SOLE   0 0 6,600
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   44,887,058 781,052 SH   SOLE   0 0 781,052
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   62,251,757 828,808 SH   SOLE   0 0 828,808
VANGUARD STAR FDS VG TL INTL STK F 921909768   304,028 5,551 SH   SOLE   0 0 5,551
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   525,780 11,697 SH   SOLE   0 0 11,697
VIZIO HLDG CORP CL A COM 92858V101   195,600 30,000 SH   SOLE   0 0 30,000
WELLS FARGO CO NEW COM 949746101   205,100 4,782 SH   SOLE   0 0 4,782
WP CAREY INC COM 92936U109   204,090 3,000 SH   SOLE   0 0 3,000