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
AMAZON COM INC COM 023135106   220,807 1,737 SH   SOLE   0 0 1,737
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   4,652,423 105,092 SH   SOLE   0 0 105,092
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   16,812,379 319,141 SH   SOLE   0 0 319,141
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   6,899,061 143,305 SH   SOLE   0 0 143,305
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   10,446,445 197,886 SH   SOLE   0 0 197,886
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   346,325 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   12,586,243 226,167 SH   SOLE   0 0 226,167
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   532,220 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   25,604,881 349,506 SH   SOLE   0 0 349,506
ANALOG DEVICES INC COM 032654105   280,144 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   903,616 5,277 SH   SOLE   0 0 5,277
BANK AMERICA CORP COM 060505104   465,695 17,008 SH   SOLE   0 0 17,008
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   574,751 3,210 SH   SOLE   0 0 3,210
COCA COLA CO COM 191216100   323,797 5,784 SH   SOLE   0 0 5,784
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   261,160 11,571 SH   SOLE   0 0 11,571
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,752,566 59,131 SH   SOLE   0 0 59,131
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   964,742 18,379 SH   SOLE   0 0 18,379
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,434,550 31,397 SH   SOLE   0 0 31,397
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,720,171 294,662 SH   SOLE   0 0 294,662
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,660,767 48,817 SH   SOLE   0 0 48,817
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   8,854,128 381,808 SH   SOLE   0 0 381,808
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   4,540,409 206,946 SH   SOLE   0 0 206,946
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   8,448,490 328,863 SH   SOLE   0 0 328,863
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,203,387 25,896 SH   SOLE   0 0 25,896
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   487,087 21,629 SH   SOLE   0 0 21,629
FACTSET RESH SYS INC COM 303075105   488,857 1,118 SH   SOLE   0 0 1,118
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   500,240 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   1,480,537 84,049 SH   SOLE   0 0 84,049
INVESCO QQQ TR UNIT SER 1 46090E103   1,388,916 3,876 SH   SOLE   0 0 3,876
ISHARES TR RUS MD CP GR ETF 464287481   223,808 2,450 SH   SOLE   0 0 2,450
JPMORGAN CHASE & CO COM 46625H100   332,736 2,294 SH   SOLE   0 0 2,294
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   313,058 5,845 SH   SOLE   0 0 5,845
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,131,226 141,352 SH   SOLE   0 0 141,352
JOHNSON & JOHNSON COM 478160104   437,302 2,807 SH   SOLE   0 0 2,807
ELI LILLY & CO COM 532457108   322,278 600 SH   SOLE   0 0 600
MICROSOFT CORP COM 594918104   805,480 2,551 SH   SOLE   0 0 2,551
PEPSICO INC COM 713448108   524,568 3,095 SH   SOLE   0 0 3,095
PHILLIPS 66 COM 718546104   248,511 2,068 SH   SOLE   0 0 2,068
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   5,942,838 121,406 SH   SOLE   0 0 121,406
SPDR S&P 500 ETF TR TR UNIT 78462F103   937,442 2,192 SH   SOLE   0 0 2,192
SPDR SER TR BLOOMBERG INVT 78468R200   4,631,319 150,759 SH   SOLE   0 0 150,759
SCHWAB STRATEGIC TR US REIT ETF 808524847   269,201 15,166 SH   SOLE   0 0 15,166
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   873,813 18,246 SH   SOLE   0 0 18,246
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,091,026 21,608 SH   SOLE   0 0 21,608
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   352,713 2,270 SH   SOLE   0 0 2,270
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   981,554 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   7,018,410 104,658 SH   SOLE   0 0 104,658
VANGUARD BD INDEX FDS INTERMED TERM 921937819   21,179,156 292,893 SH   SOLE   0 0 292,893
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   9,656,609 128,463 SH   SOLE   0 0 128,463
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   756,698 10,844 SH   SOLE   0 0 10,844
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,113,152 25,460 SH   SOLE   0 0 25,460
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   10,322,556 209,850 SH   SOLE   0 0 209,850
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   422,447 10,851 SH   SOLE   0 0 10,851
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,856,909 32,238 SH   SOLE   0 0 32,238
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,391,259 31,778 SH   SOLE   0 0 31,778
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,386,426 91,193 SH   SOLE   0 0 91,193
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,964,088 5,001 SH   SOLE   0 0 5,001
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,954,279 25,829 SH   SOLE   0 0 25,829
VANGUARD INDEX FDS MID CAP ETF 922908629   2,212,584 10,625 SH   SOLE   0 0 10,625
VANGUARD INDEX FDS GROWTH ETF 922908736   12,699,361 46,635 SH   SOLE   0 0 46,635
VANGUARD INDEX FDS SMALL CP ETF 922908751   610,238 3,227 SH   SOLE   0 0 3,227
AON PLC SHS CL A G0403H108   978,496 3,018 SH   SOLE   0 0 3,018
CHUBB LIMITED COM H1467J104   622,875 2,992 SH   SOLE   0 0 2,992