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
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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   263,427 1,333 SH   SOLE   0 0 1,334
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   5,257,572 97,326 SH   SOLE   0 0 97,326
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   19,725,649 299,645 SH   SOLE   0 0 299,645
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   11,160,078 198,792 SH   SOLE   0 0 198,792
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   13,973,344 216,305 SH   SOLE   0 0 216,306
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   337,168 7,154 SH   SOLE   0 0 7,154
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   366,226 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   13,263,179 197,869 SH   SOLE   0 0 197,869
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   650,164 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   25,880,124 271,992 SH   SOLE   0 0 271,993
APPLE INC COM 037833100   1,050,132 4,507 SH   SOLE   0 0 4,507
BANK AMERICA CORP COM 060505104   308,631 7,778 SH   SOLE   0 0 7,778
CATERPILLAR INC COM 149123101   285,518 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   234,695 1,593 SH   SOLE   0 0 1,594
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   322,057 11,749 SH   SOLE   0 0 11,750
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,605,775 57,970 SH   SOLE   0 0 57,971
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   861,093 13,276 SH   SOLE   0 0 13,276
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,578,236 28,370 SH   SOLE   0 0 28,370
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,712,428 283,243 SH   SOLE   0 0 283,244
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,753,236 42,054 SH   SOLE   0 0 42,054
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   14,990,579 541,176 SH   SOLE   0 0 541,176
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   7,487,605 279,075 SH   SOLE   0 0 279,076
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   13,666,936 401,142 SH   SOLE   0 0 401,143
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,159,426 23,886 SH   SOLE   0 0 23,886
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   530,446 19,638 SH   SOLE   0 0 19,639
EXXON MOBIL CORP COM 30231G102   219,910 1,876 SH   SOLE   0 0 1,876
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   687,440 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TRUST S&P INVT GRD PFD 45783Y822   1,707,569 86,899 SH   SOLE   0 0 86,899
INVESCO QQQ TR UNIT SER 1 46090E103   1,892,616 3,877 SH   SOLE   0 0 3,878
ISHARES TR PFD AND INCM SEC 464288687   316,183 9,515 SH   SOLE   0 0 9,515
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,518,239 42,316 SH   SOLE   0 0 42,316
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,334,480 124,351 SH   SOLE   0 0 124,352
JOHNSON & JOHNSON COM 478160104   271,567 1,675 SH   SOLE   0 0 1,676
ELI LILLY & CO COM 532457108   442,970 500 SH   SOLE   0 0 500
MANULIFE FINL CORP COM 56501R106   355,368 12,026 SH   SOLE   0 0 12,026
MICROSOFT CORP COM 594918104   378,236 879 SH   SOLE   0 0 879
NVIDIA CORPORATION COM 67066G104   235,108 1,936 SH   SOLE   0 0 1,936
PEPSICO INC COM 713448108   232,950 1,369 SH   SOLE   0 0 1,370
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,205,645 122,884 SH   SOLE   0 0 122,884
SPDR SER TR BLOOMBERG INVT 78468R200   2,592,198 84,025 SH   SOLE   0 0 84,026
SCHWAB STRATEGIC TR US REIT ETF 808524847   371,568 16,036 SH   SOLE   0 0 16,037
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   820,599 16,753 SH   SOLE   0 0 16,754
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,067,359 19,902 SH   SOLE   0 0 19,902
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   499,507 2,522 SH   SOLE   0 0 2,522
VANGUARD STAR FDS VG TL INTL STK F 921909768   399,312 6,167 SH   SOLE   0 0 6,168
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,373,039 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,423,889 18,942 SH   SOLE   0 0 18,942
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,066,897 13,613 SH   SOLE   0 0 13,614
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,040,524 38,639 SH   SOLE   0 0 38,639
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,214,649 16,171 SH   SOLE   0 0 16,172
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   6,476,051 129,676 SH   SOLE   0 0 129,677
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,269,594 27,064 SH   SOLE   0 0 27,064
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   12,032,012 203,863 SH   SOLE   0 0 203,863
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,904,468 49,162 SH   SOLE   0 0 49,162
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,135,564 84,997 SH   SOLE   0 0 84,998
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   9,221,620 195,331 SH   SOLE   0 0 195,332
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,454,100 79,454 SH   SOLE   0 0 79,455
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   8,002,961 130,044 SH   SOLE   0 0 130,045
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,575,750 42,695 SH   SOLE   0 0 42,696
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,147,525 120,256 SH   SOLE   0 0 120,257
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,220,281 17,473 SH   SOLE   0 0 17,474
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,211,256 32,963 SH   SOLE   0 0 32,963
VANGUARD INDEX FDS GROWTH ETF 922908736   24,685,509 64,296 SH   SOLE   0 0 64,297
VANGUARD INDEX FDS SMALL CP ETF 922908751   638,793 2,692 SH   SOLE   0 0 2,693
VANGUARD INDEX FDS TOTAL STK MKT 922908769   302,291 1,067 SH   SOLE   0 0 1,068
WALMART INC COM 931142103   215,002 2,662 SH   SOLE   0 0 2,663
WASTE MGMT INC DEL COM 94106L109   207,600 1,000 SH   SOLE   0 0 1,000
AON PLC SHS CL A G0403H108   969,810 2,803 SH   SOLE   0 0 2,803