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
ADOBE INC COM 00724F101   512,717 989 SH   SOLE   0 0 989
ALPHABET INC CAP STK CL A 02079K305   598,302 4,424 SH   SOLE   0 0 4,424
ALPHABET INC CAP STK CL C 02079K107   796,634 5,846 SH   SOLE   0 0 5,846
AMAZON COM INC COM 023135106   443,611 3,493 SH   SOLE   0 0 3,493
AMERICAN CENTY ETF TR US SML CP VALU 025072877   15,271,324 203,347 SH   SOLE   13,552 0 189,795
AMERICAN CENTY ETF TR US EQT ETF 025072885   26,874,169 372,270 SH   SOLE   28,514 0 343,756
AMGEN INC COM 031162100   395,640 1,491 SH   SOLE   0 0 1,491
APPLE INC COM 037833100   11,848,828 68,230 SH   SOLE   0 0 68,230
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,199,272 6,399 SH   SOLE   0 0 6,399
BOOKING HOLDINGS INC COM 09857L108   319,879 105 SH   SOLE   0 0 105
DEXCOM INC COM 252131107   525,498 5,992 SH   SOLE   0 0 5,992
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   14,490,630 313,786 SH   SOLE   9,511 0 304,275
EA SERIES TRUST FREEDOM 100 EM 02072L607   25,234,143 907,377 SH   SOLE   49,905 0 857,472
ELI LILLY & CO COM 532457108   492,663 927 SH   SOLE   0 0 927
ENEL CHILE S.A. SPONSORED ADR 29278D105   30,656 10,719 SH   SOLE   0 0 10,719
FISERV INC COM 337738108   978,885 8,665 SH   SOLE   0 0 8,665
GENERAL ELECTRIC CO COM NEW 369604301   295,963 2,719 SH   SOLE   0 0 2,719
HOME DEPOT INC COM 437076102   433,403 1,482 SH   SOLE   0 0 1,482
INTUIT COM 461202103   271,954 526 SH   SOLE   0 0 526
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   934,593 16,111 SH   SOLE   5,580 0 10,531
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   1,152,103 20,244 SH   SOLE   2,175 0 18,069
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   694,365 31,292 SH   SOLE   4,794 0 26,498
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   28,169,659 626,410 SH   SOLE   45,787 0 580,623
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   2,623,853 52,847 SH   SOLE   0 0 52,847
INVESCO QQQ TR UNIT SER 1 46090E103   800,987 2,233 SH   SOLE   0 0 2,233
ISHARES INC EMNG MKTS EQT 46434G889   416,036 10,357 SH   SOLE   0 0 10,357
ISHARES INC ESG AWR MSCI EM 46434G863   641,138 21,638 SH   SOLE   2,524 0 19,114
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   324,370 15,094 SH   SOLE   0 0 15,094
ISHARES TR RUS TP200 GR ETF 464289438   48,101,365 310,732 SH   SOLE   19,872 0 290,860
ISHARES TR S&P 500 GRWT ETF 464287309   228,012 3,334 SH   SOLE   0 0 3,334
ISHARES TR MSCI EMG MKT ETF 464287234   563,305 15,163 SH   SOLE   197 0 14,966
ISHARES TR CORE S&P MCP ETF 464287507   589,083 2,421 SH   SOLE   0 0 2,421
ISHARES TR RUS 1000 GRW ETF 464287614   239,764 898 SH   SOLE   0 0 898
ISHARES TR CORE US AGGBD ET 464287226   299,156 3,215 SH   SOLE   0 0 3,215
ISHARES TR CORE S&P SCP ETF 464287804   2,110,498 23,015 SH   SOLE   1,218 0 21,797
ISHARES TR CORE MSCI TOTAL 46432F834   535,455 9,094 SH   SOLE   0 0 9,094
ISHARES TR RUSSELL 3000 ETF 464287689   9,778,469 40,251 SH   SOLE   1,975 0 38,276
ISHARES TR 1 3 YR TREAS BD 464287457   645,996 7,995 SH   SOLE   156 0 7,839
ISHARES TR MSCI USA QLT FCT 46432F339   43,703,633 332,271 SH   SOLE   17,046 0 315,225
ISHARES TR MSCI USA SMCP MN 46435G433   293,426 8,987 SH   SOLE   0 0 8,987
ISHARES TR MSCI USA MIN VOL 46429B697   3,774,482 52,591 SH   SOLE   230 0 52,361
ISHARES TR GLOBAL TECH ETF 464287291   607,110 10,444 SH   SOLE   0 0 10,444
ISHARES TR EAFE GRWTH ETF 464288885   280,222 3,301 SH   SOLE   0 0 3,301
ISHARES TR MSCI USA MMENTM 46432F396   983,889 7,106 SH   SOLE   76 0 7,030
ISHARES TR MSCI INTL VLU FT 46435G409   972,319 39,413 SH   SOLE   0 0 39,413
ISHARES TR CORE S&P500 ETF 464287200   3,095,546 7,257 SH   SOLE   2,241 0 5,016
ISHARES TR INTERNATIONAL SL 46434V266   22,598,514 794,151 SH   SOLE   41,263 0 752,888
ISHARES TR EAFE VALUE ETF 464288877   329,994 6,984 SH   SOLE   0 0 6,984
ISHARES TR ISHS 1-5YR INVS 464288646   3,716,269 74,955 SH   SOLE   16 0 74,939
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   8,512,597 198,244 SH   SOLE   16,333 0 181,911
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,052,221 21,036 SH   SOLE   0 0 21,036
JPMORGAN CHASE & CO COM 46625H100   286,646 2,000 SH   SOLE   0 0 2,000
LENNAR CORP CL A 526057104   701,549 6,438 SH   SOLE   0 0 6,438
LG DISPLAY CO LTD SPONS ADR REP 50186V102   63,579 13,673 SH   SOLE   0 0 13,673
LOWES COS INC COM 548661107   214,360 1,074 SH   SOLE   0 0 1,074
MASTERCARD INCORPORATED CL A 57636Q104   777,282 1,974 SH   SOLE   0 0 1,974
META PLATFORMS INC CL A 30303M102   308,636 1,010 SH   SOLE   0 0 1,010
MICROSOFT CORP COM 594918104   989,480 3,102 SH   SOLE   0 0 3,102
NOKIA CORP SPONSORED ADR 654902204   48,884 13,504 SH   SOLE   0 0 13,504
NOVO-NORDISK A S ADR 670100205   347,612 3,904 SH   SOLE   0 0 3,904
PACER FDS TR US CASH COWS 100 69374H881   29,173,430 607,906 SH   SOLE   45,710 0 562,196
PIMCO ETF TR ACTIVE BD ETF 72201R775   4,294,332 49,434 SH   SOLE   5 0 49,429
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   14,181,285 297,676 SH   SOLE   8,094 0 289,582
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,754,463 53,053 SH   SOLE   0 0 53,053
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   10,887,076 220,431 SH   SOLE   0 0 220,431
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   72,629,269 1,106,816 SH   SOLE   61,471 0 1,045,345
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,359,228 5,556 SH   SOLE   698 0 4,858
SPDR SER TR S&P 600 SMCP VAL 78464A300   296,098 4,233 SH   SOLE   0 0 4,233
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   263,130 3,036 SH   SOLE   0 0 3,036
TELEFONICA S A SPONSORED ADR 879382208   61,583 15,750 SH   SOLE   0 0 15,750
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405   76,796 11,146 SH   SOLE   0 0 11,146
UNITEDHEALTH GROUP INC COM 91324P102   391,135 766 SH   SOLE   0 0 766
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   796,227 2,042 SH   SOLE   2 0 2,040
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   421,179 5,714 SH   SOLE   0 0 5,714
VANGUARD INDEX FDS MID CAP ETF 922908629   283,506 1,386 SH   SOLE   1,271 0 115
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,680,655 52,615 SH   SOLE   5,064 0 47,551
VANGUARD INDEX FDS TOTAL STK MKT 922908769   282,572 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS VALUE ETF 922908744   3,162,501 23,324 SH   SOLE   911 0 22,413
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   212,859 4,206 SH   SOLE   2,240 0 1,966
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,006,295 15,413 SH   SOLE   2,667 0 12,746
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   65,034,586 870,144 SH   SOLE   28,578 0 841,566
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   50,347,022 876,362 SH   SOLE   28,196 0 848,167
VANGUARD STAR FDS VG TL INTL STK F 921909768   239,446 4,560 SH   SOLE   0 0 4,560
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   544,043 12,795 SH   SOLE   208 0 12,587
VIZIO HLDG CORP CL A COM 92858V101   156,600 30,000 SH   SOLE   0 0 30,000
WELLS FARGO CO NEW COM 949746101   215,192 5,522 SH   SOLE   0 0 5,522