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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 214 1,396 SH   SOLE   0 0 1,396
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8,646 166,172 SH   SOLE   0 0 166,172
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 480 10,267 SH   SOLE   0 0 10,267
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 25,765 505,594 SH   SOLE   0 0 505,594
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 582 11,037 SH   SOLE   0 0 11,037
AMERICAN CENTY ETF TR US SML CP VALU 025072877 599 8,756 SH   SOLE   0 0 8,756
AMERICAN CENTY ETF TR US EQT ETF 025072885 57,016 876,635 SH   SOLE   0 0 876,635
ANALOG DEVICES INC COM 032654105 234 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100 1,001 7,323 SH   SOLE   0 0 7,323
BK OF AMERICA CORP COM 060505104 523 16,796 SH   SOLE   0 0 16,796
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 458 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109 265 1,880 SH   SOLE   0 0 1,880
COCA COLA CO COM 191216100 419 6,666 SH   SOLE   0 0 6,666
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 430 17,816 SH   SOLE   0 0 17,816
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 3,538 86,828 SH   SOLE   0 0 86,828
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 924 19,251 SH   SOLE   0 0 19,251
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,552 38,583 SH   SOLE   0 0 38,583
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 7,352 315,537 SH   SOLE   0 0 315,537
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 1,048 21,793 SH   SOLE   0 0 21,793
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 514 23,980 SH   SOLE   0 0 23,980
FACTSET RESH SYS INC COM 303075105 430 1,118 SH   SOLE   0 0 1,118
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 729 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 1,675 85,750 SH   SOLE   0 0 85,750
INVESCO QQQ TR UNIT SER 1 46090E103 1,181 4,213 SH   SOLE   0 0 4,213
ISHARES TR PFD AND INCM SEC 464288687 229 6,964 SH   SOLE   0 0 6,964
JPMORGAN CHASE & CO COM 46625H100 241 2,143 SH   SOLE   0 0 2,143
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 9,277 183,167 SH   SOLE   0 0 183,167
JOHNSON & JOHNSON COM 478160104 605 3,406 SH   SOLE   0 0 3,406
LILLY ELI & CO COM 532457108 227 699 SH   SOLE   0 0 699
MICROSOFT CORP COM 594918104 820 3,191 SH   SOLE   0 0 3,191
PEPSICO INC COM 713448108 453 2,719 SH   SOLE   0 0 2,719
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 6,463 130,225 SH   SOLE   0 0 130,225
SPDR S&P 500 ETF TR TR UNIT 78462F103 640 1,697 SH   SOLE   0 0 1,697
SPDR SER TR BLOOMBERG INVT 78468R200 10,798 358,633 SH   SOLE   0 0 358,633
SCHWAB STRATEGIC TR US REIT ETF 808524847 456 21,620 SH   SOLE   0 0 21,620
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,185 24,084 SH   SOLE   0 0 24,084
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,116 19,995 SH   SOLE   0 0 19,995
V F CORP COM 918204108 315 7,135 SH   SOLE   0 0 7,135
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 359 2,499 SH   SOLE   0 0 2,499
VANGUARD STAR FDS VG TL INTL STK F 921909768 709 13,742 SH   SOLE   0 0 13,742
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 865 3,976 SH   SOLE   0 0 3,976
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 876 6,591 SH   SOLE   0 0 6,591
VANGUARD BD INDEX FDS INTERMED TERM 921937819 345 4,447 SH   SOLE   0 0 4,447
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 14,691 191,319 SH   SOLE   0 0 191,319
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,065 93,869 SH   SOLE   0 0 93,869
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,375 58,205 SH   SOLE   0 0 58,205
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 12,814 260,437 SH   SOLE   0 0 260,437
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 572 11,538 SH   SOLE   0 0 11,538
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,898 32,238 SH   SOLE   0 0 32,238
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 452 6,608 SH   SOLE   0 0 6,608
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,588 71,867 SH   SOLE   0 0 71,867
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,107 14,723 SH   SOLE   0 0 14,723
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,091 22,947 SH   SOLE   0 0 22,947
VANGUARD INDEX FDS SMALL CP ETF 922908751 705 4,005 SH   SOLE   0 0 4,005
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,119 5,932 SH   SOLE   0 0 5,932
CHUBB LIMITED COM H1467J104 590 2,999 SH   SOLE   0 0 2,999