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   512,616 1,325 SH   SOLE   0 0 1,325
ALPHABET INC CAP STK CL C 02079K107   1,845,033 10,401 SH   SOLE   0 0 10,401
ALPHABET INC CAP STK CL A 02079K305   468,117 2,656 SH   SOLE   0 0 2,656
ALTRIA GROUP INC COM 02209S103   328,590 5,604 SH   SOLE   0 0 5,604
AMAZON COM INC COM 023135106   1,257,125 5,730 SH   SOLE   0 0 5,730
AMERICAN CENTY ETF TR US EQT ETF 025072885   378,176 3,751 SH   SOLE   0 0 3,751
AMERICAN CENTY ETF TR US SML CP VALU 025072877   23,817,972 261,449 SH   SOLE   2,713 0 258,736
AMERICAN INTL GROUP INC COM NEW 026874784   260,964 3,049 SH   SOLE   0 0 3,049
APPLE INC COM 037833100   15,134,686 73,767 SH   SOLE   0 0 73,767
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,048,396 6,275 SH   SOLE   0 0 6,275
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   36,555,256 671,231 SH   SOLE   6,229 0 665,002
BOEING CO COM 097023105   2,028,230 9,680 SH   SOLE   0 0 9,680
BOOKING HOLDINGS INC COM 09857L108   989,960 171 SH   SOLE   0 0 171
BOSTON SCIENTIFIC CORP COM 101137107   247,511 2,304 SH   SOLE   0 0 2,304
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   632,398 13,361 SH   SOLE   0 0 13,361
BROADCOM INC COM 11135F101   250,795 910 SH   SOLE   0 0 910
CITIGROUP INC COM NEW 172967424   482,783 5,672 SH   SOLE   0 0 5,672
COCA COLA CO COM 191216100   260,665 3,684 SH   SOLE   0 0 3,684
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   4,763,989 133,970 SH   SOLE   2,338 0 131,632
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   102,718,392 1,532,653 SH   SOLE   16,644 0 1,516,009
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,817,566 44,225 SH   SOLE   196 0 44,029
DOORDASH INC CL A 25809K105   297,784 1,208 SH   SOLE   0 0 1,208
EA SERIES TRUST FREEDOM 100 EM 02072L607   17,073,800 422,619 SH   SOLE   4,871 0 417,748
ELI LILLY & CO COM 532457108   428,742 550 SH   SOLE   0 0 550
ENEL CHILE S.A. SPONSORED ADR 29278D105   41,393 11,403 SH   SOLE   0 0 11,403
EXXON MOBIL CORP COM 30231G102   273,940 2,541 SH   SOLE   0 0 2,541
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   205,280 4,487 SH   SOLE   26 0 4,461
FISERV INC COM 337738108   1,323,419 7,676 SH   SOLE   0 0 7,676
FLUENT INC COM NEW 34380C201   52,462 26,231 SH   SOLE   0 0 26,231
GE AEROSPACE COM NEW 369604301   1,253,947 4,872 SH   SOLE   0 0 4,872
GE VERNOVA INC COM 36828A101   328,073 620 SH   SOLE   0 0 620
GENERAL MTRS CO COM 37045V100   306,824 6,235 SH   SOLE   0 0 6,235
GILEAD SCIENCES INC COM 375558103   247,824 2,235 SH   SOLE   0 0 2,235
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   235,080 7,200 SH   SOLE   0 0 7,200
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109   53,232 10,583 SH   SOLE   0 0 10,583
HOME DEPOT INC COM 437076102   517,935 1,413 SH   SOLE   0 0 1,413
INTUIT COM 461202103   241,925 307 SH   SOLE   0 0 307
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   323,576 2,877 SH   SOLE   0 0 2,877
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742   28,511,675 553,625 SH   SOLE   4,387 0 549,238
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   6,471,116 153,090 SH   SOLE   394 0 152,696
INVESCO EXCHANGE TRADED FD T PHARMACEUTICALS 46137V662   431,298 5,400 SH   SOLE   0 0 5,400
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,372,468 19,260 SH   SOLE   0 0 19,260
INVESCO QQQ TR UNIT SER 1 46090E103   1,489,802 2,701 SH   SOLE   0 0 2,701
ISHARES INC MSCI EMRG CHN 46434G764   6,666,885 105,589 SH   SOLE   723 0 104,866
ISHARES INC GLB ENR PROD ETF 464286343   569,160 24,000 SH   SOLE   0 0 24,000
ISHARES TR MBS ETF 464288588   1,866,064 19,875 SH   SOLE   355 0 19,520
ISHARES TR RUS TP200 GR ETF 464289438   66,840,822 271,149 SH   SOLE   3,028 0 268,121
ISHARES TR RUS 1000 GRW ETF 464287614   1,753,851 4,131 SH   SOLE   4 0 4,127
ISHARES TR TRS FLT RT BD 46434V860   736,502 14,541 SH   SOLE   305 0 14,236
ISHARES TR US TREAS BD ETF 46429B267   1,060,130 46,133 SH   SOLE   2 0 46,131
ISHARES TR MSCI USA MMENTM 46432F396   222,777 927 SH   SOLE   0 0 927
ISHARES TR CORE MSCI TOTAL 46432F834   428,143 5,538 SH   SOLE   0 0 5,538
ISHARES TR CORE S&P500 ETF 464287200   1,635,825 2,635 SH   SOLE   0 0 2,635
ISHARES TR CORE US AGGBD ET 464287226   1,772,803 17,871 SH   SOLE   0 0 17,871
ISHARES TR CORE TOTAL USD 46434V613   48,252,081 1,043,740 SH   SOLE   14,512 0 1,029,228
ISHARES TR MSCI USA QLT FCT 46432F339   17,302,200 94,641 SH   SOLE   942 0 93,699
ISHARES TR RUSSELL 3000 ETF 464287689   4,691,466 13,366 SH   SOLE   0 0 13,366
ISHARES TR RUS 2000 GRW ETF 464287648   217,796 762 SH   SOLE   0 0 762
ISHARES TR GLOBAL TECH ETF 464287291   301,675 3,267 SH   SOLE   0 0 3,267
ISHARES TR EAFE GRWTH ETF 464288885   202,384 1,807 SH   SOLE   0 0 1,807
ISHARES TR U S EQUITY FACTR 46434V282   1,499,424 23,381 SH   SOLE   43 0 23,338
ISHARES TR MSCI USA MIN VOL 46429B697   286,116 3,048 SH   SOLE   0 0 3,048
ISHARES TR EAFE VALUE ETF 464288877   343,681 5,414 SH   SOLE   0 0 5,414
ISHARES TR CORE S&P MCP ETF 464287507   511,045 8,240 SH   SOLE   0 0 8,240
ISHARES TR U.S. MED DVC ETF 464288810   417,182 6,660 SH   SOLE   0 0 6,660
ISHARES TR 0-3 MNTH TREASRY 46436E718   232,870 2,313 SH   SOLE   0 0 2,313
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,972,383 66,151 SH   SOLE   997 0 65,154
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   215,390 4,250 SH   SOLE   0 0 4,250
JPMORGAN CHASE & CO. COM 46625H100   591,918 2,042 SH   SOLE   0 0 2,042
LENNAR CORP CL A 526057104   490,887 4,438 SH   SOLE   0 0 4,438
LOWES COS INC COM 548661107   308,843 1,392 SH   SOLE   0 0 1,392
MASTERCARD INCORPORATED CL A 57636Q104   2,724,617 4,849 SH   SOLE   0 0 4,849
MERCK & CO INC COM 58933Y105   786,534 9,936 SH   SOLE   0 0 9,936
META PLATFORMS INC CL A 30303M102   1,680,882 2,277 SH   SOLE   0 0 2,277
MICROSOFT CORP COM 594918104   2,011,130 4,043 SH   SOLE   0 0 4,043
NETFLIX INC COM 64110L106   1,605,965 1,199 SH   SOLE   0 0 1,199
NVIDIA CORPORATION COM 67066G104   2,542,409 16,092 SH   SOLE   0 0 16,092
OREILLY AUTOMOTIVE INC COM 67103H107   236,826 2,628 SH   SOLE   0 0 2,628
PACER FDS TR US CASH COWS 100 69374H881   25,375,910 460,543 SH   SOLE   6,766 0 453,777
PALANTIR TECHNOLOGIES INC CL A 69608A108   811,822 5,955 SH   SOLE   0 0 5,955
PALO ALTO NETWORKS INC COM 697435105   252,935 1,236 SH   SOLE   0 0 1,236
PGIM ETF TR PGIM ULTRA SH BD 69344A107   852,792 17,138 SH   SOLE   311 0 16,827
PIMCO ETF TR ACTIVE BD ETF 72201R775   3,837,822 41,634 SH   SOLE   0 0 41,634
PIMCO ETF TR MULTISECTOR BD 72201R585   2,331,143 87,835 SH   SOLE   773 0 87,062
QUALCOMM INC COM 747525103   430,161 2,701 SH   SOLE   0 0 2,701
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   44,231,385 1,767,135 SH   SOLE   25,002 0 1,742,133
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   211,000 6,392 SH   SOLE   0 0 6,392
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,605,286 208,384 SH   SOLE   0 0 208,384
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   24,790,936 1,040,325 SH   SOLE   206 0 1,040,119
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   244,980 3,000 SH   SOLE   0 0 3,000
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   289,695 1,144 SH   SOLE   0 0 1,144
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   258,193 2,379 SH   SOLE   0 0 2,379
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   526,860 6,000 SH   SOLE   0 0 6,000
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,045,546 19,965 SH   SOLE   0 0 19,965
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   646,992 4,800 SH   SOLE   0 0 4,800
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   62,693,861 734,636 SH   SOLE   8,335 0 726,302
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,107,397 29,307 SH   SOLE   0 0 29,307
SPDR SERIES TRUST S&P DIVID ETF 78464A763   294,422 2,169 SH   SOLE   0 0 2,169
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   332,360 4,167 SH   SOLE   0 0 4,167
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   348,912 4,800 SH   SOLE   0 0 4,800
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   914,340 4,037 SH   SOLE   0 0 4,037
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   224,711 14,535 SH   SOLE   0 0 14,535
UBER TECHNOLOGIES INC COM 90353T100   646,942 6,934 SH   SOLE   0 0 6,934
UNITEDHEALTH GROUP INC COM 91324P102   203,092 651 SH   SOLE   0 0 651
VANGUARD INDEX FDS TOTAL STK MKT 922908769   458,023 1,507 SH   SOLE   0 0 1,507
VANGUARD INDEX FDS SMALL CP ETF 922908751   244,321 1,031 SH   SOLE   0 0 1,031
VANGUARD INDEX FDS VALUE ETF 922908744   2,633,249 14,899 SH   SOLE   60 0 14,839
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   428,390 1,506 SH   SOLE   0 0 1,506
VANGUARD INDEX FDS SM CP VAL ETF 922908611   231,843 1,189 SH   SOLE   0 0 1,189
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   647,554 1,140 SH   SOLE   0 0 1,140
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   344,053 2,092 SH   SOLE   0 0 2,092
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   23,320,630 503,251 SH   SOLE   6,573 0 496,677
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,205,543 37,522 SH   SOLE   264 0 37,258
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   245,019 3,082 SH   SOLE   0 0 3,082
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   755,040 13,244 SH   SOLE   227 0 13,017
VISTRA CORP COM 92840M102   318,042 1,641 SH   SOLE   0 0 1,641
WALMART INC COM 931142103   403,975 4,131 SH   SOLE   0 0 4,131
WELLS FARGO CO NEW COM 949746101   945,835 11,805 SH   SOLE   0 0 11,805
WIPRO LTD SPON ADR 1 SH 97651M109   79,344 26,273 SH   SOLE   0 0 26,273