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
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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
ABBVIE INC COM 00287Y109   228,774 1,333 SH   SOLE   0 0 1,334
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   4,793,831 96,049 SH   SOLE   0 0 96,050
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   19,130,770 304,436 SH   SOLE   0 0 304,436
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   10,257,330 195,601 SH   SOLE   0 0 195,601
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   13,596,010 222,557 SH   SOLE   0 0 222,557
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   332,543 7,203 SH   SOLE   0 0 7,203
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   359,976 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   12,839,076 206,217 SH   SOLE   0 0 206,217
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   597,540 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877   212,367 2,367 SH   SOLE   0 0 2,367
AMERICAN CENTY ETF TR US EQT ETF 025072885   28,147,334 312,089 SH   SOLE   0 0 312,089
APPLE INC COM 037833100   970,959 4,610 SH   SOLE   0 0 4,610
BANK AMERICA CORP COM 060505104   332,756 8,367 SH   SOLE   0 0 8,367
CATERPILLAR INC COM 149123101   243,163 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   248,634 1,589 SH   SOLE   0 0 1,590
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   290,761 11,239 SH   SOLE   0 0 11,239
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,435,525 58,377 SH   SOLE   0 0 58,378
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   898,866 14,961 SH   SOLE   0 0 14,961
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,557,518 30,027 SH   SOLE   0 0 30,027
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,282,355 287,914 SH   SOLE   0 0 287,914
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,741,594 44,349 SH   SOLE   0 0 44,349
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   14,008,839 532,250 SH   SOLE   0 0 532,251
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   6,861,768 278,593 SH   SOLE   0 0 278,594
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   12,924,879 404,028 SH   SOLE   0 0 404,029
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,005,081 21,040 SH   SOLE   0 0 21,040
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   523,126 20,579 SH   SOLE   0 0 20,579
EXXON MOBIL CORP COM 30231G102   215,970 1,876 SH   SOLE   0 0 1,876
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   612,560 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TRUST S&P INVT GRD PFD 45783Y822   1,590,517 86,206 SH   SOLE   0 0 86,207
INVESCO QQQ TR UNIT SER 1 46090E103   1,857,389 3,876 SH   SOLE   0 0 3,877
ISHARES TR PFD AND INCM SEC 464288687   299,378 9,489 SH   SOLE   0 0 9,489
ISHARES TR ESG AWR MSCI USA 46435G425   208,472 1,747 SH   SOLE   0 0 1,747
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,531,156 27,014 SH   SOLE   0 0 27,014
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,539,223 128,864 SH   SOLE   0 0 128,864
JOHNSON & JOHNSON COM 478160104   248,723 1,701 SH   SOLE   0 0 1,702
ELI LILLY & CO COM 532457108   543,228 600 SH   SOLE   0 0 600
MANULIFE FINL CORP COM 56501R106   320,132 12,026 SH   SOLE   0 0 12,026
MICROSOFT CORP COM 594918104   371,418 831 SH   SOLE   0 0 831
NVIDIA CORPORATION COM 67066G104   224,596 1,818 SH   SOLE   0 0 1,818
PEPSICO INC COM 713448108   232,534 1,409 SH   SOLE   0 0 1,410
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,353,816 127,407 SH   SOLE   0 0 127,408
SPDR SER TR BLOOMBERG INVT 78468R200   2,844,159 92,193 SH   SOLE   0 0 92,193
SCHWAB STRATEGIC TR US REIT ETF 808524847   296,113 14,827 SH   SOLE   0 0 14,828
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   857,966 17,826 SH   SOLE   0 0 17,826
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,141,514 21,947 SH   SOLE   0 0 21,948
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   419,500 2,298 SH   SOLE   0 0 2,298
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,325,957 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,418,042 20,174 SH   SOLE   0 0 20,174
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,013,073 13,527 SH   SOLE   0 0 13,527
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,290,819 42,905 SH   SOLE   0 0 42,905
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   728,123 10,105 SH   SOLE   0 0 10,106
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,183,212 23,941 SH   SOLE   0 0 23,942
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   7,101,867 143,414 SH   SOLE   0 0 143,414
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,072,121 26,426 SH   SOLE   0 0 26,426
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   12,516,040 215,831 SH   SOLE   0 0 215,831
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,007,637 51,862 SH   SOLE   0 0 51,862
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,410,516 92,916 SH   SOLE   0 0 92,916
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   9,394,500 206,927 SH   SOLE   0 0 206,927
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,173,790 81,384 SH   SOLE   0 0 81,384
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   6,729,410 116,668 SH   SOLE   0 0 116,668
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,627,160 45,379 SH   SOLE   0 0 45,379
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,094,584 121,624 SH   SOLE   0 0 121,624
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,635,902 19,266 SH   SOLE   0 0 19,267
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,780,375 33,194 SH   SOLE   0 0 33,195
VANGUARD INDEX FDS GROWTH ETF 922908736   24,019,971 64,222 SH   SOLE   0 0 64,223
VANGUARD INDEX FDS SMALL CP ETF 922908751   587,105 2,692 SH   SOLE   0 0 2,693
WASTE MGMT INC DEL COM 94106L109   217,180 1,018 SH   SOLE   0 0 1,018
AON PLC SHS CL A G0403H108   886,024 3,018 SH   SOLE   0 0 3,018