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
AFLAC INC COM 001055102   238,836 2,148 SH   SOLE   0 0 2,148
ABBOTT LABS COM 002824100   303,495 2,287 SH   SOLE   0 0 2,288
ABBVIE INC COM 00287Y109   279,552 1,334 SH   SOLE   0 0 1,334
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   4,725,673 97,637 SH   SOLE   0 0 97,638
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   12,473,454 191,281 SH   SOLE   0 0 191,281
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   11,572,610 204,174 SH   SOLE   0 0 204,174
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   12,721,741 211,429 SH   SOLE   0 0 211,430
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   334,378 7,154 SH   SOLE   0 0 7,154
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   354,914 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   13,935,605 210,285 SH   SOLE   0 0 210,285
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   641,608 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   24,571,962 265,987 SH   SOLE   0 0 265,988
ANALOG DEVICES INC COM 032654105   208,123 1,032 SH   SOLE   0 0 1,032
APPLE INC COM 037833100   1,432,740 6,450 SH   SOLE   0 0 6,450
AUTOMATIC DATA PROCESSING IN COM 053015103   340,922 1,115 SH   SOLE   0 0 1,116
BANK AMERICA CORP COM 060505104   324,576 7,778 SH   SOLE   0 0 7,778
BLACKROCK INC COM 09290D101   206,333 218 SH   SOLE   0 0 218
CATERPILLAR INC COM 149123101   240,754 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   272,120 1,626 SH   SOLE   0 0 1,627
CISCO SYS INC COM 17275R102   269,858 4,373 SH   SOLE   0 0 4,373
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   304,198 11,749 SH   SOLE   0 0 11,750
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,409,721 56,377 SH   SOLE   0 0 56,378
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   780,584 13,064 SH   SOLE   0 0 13,064
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,277,905 24,818 SH   SOLE   0 0 24,819
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,178,995 247,923 SH   SOLE   0 0 247,923
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,711,030 41,519 SH   SOLE   0 0 41,520
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   14,360,174 533,042 SH   SOLE   0 0 533,043
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   6,555,497 253,695 SH   SOLE   0 0 253,696
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   13,010,394 392,588 SH   SOLE   0 0 392,589
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,007,961 21,189 SH   SOLE   0 0 21,189
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   398,977 15,228 SH   SOLE   0 0 15,228
EXXON MOBIL CORP COM 30231G102   223,239 1,877 SH   SOLE   0 0 1,877
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   680,160 52,000 SH   SOLE   0 0 52,000
ILLINOIS TOOL WKS INC COM 452308109   214,033 863 SH   SOLE   0 0 863
INNOVATOR ETFS TRUST S&P INVT GRD PFD 45783Y822   1,640,146 92,849 SH   SOLE   0 0 92,850
INVESCO QQQ TR UNIT SER 1 46090E103   1,808,049 3,855 SH   SOLE   0 0 3,856
ISHARES TR PFD AND INCM SEC 464288687   293,226 9,542 SH   SOLE   0 0 9,542
JPMORGAN CHASE & CO. COM 46625H100   281,532 1,147 SH   SOLE   0 0 1,148
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,632,040 46,063 SH   SOLE   0 0 46,063
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,247,771 122,866 SH   SOLE   0 0 122,867
JOHNSON & JOHNSON COM 478160104   426,494 2,571 SH   SOLE   0 0 2,572
ELI LILLY & CO COM 532457108   256,032 310 SH   SOLE   0 0 310
LOWES COS INC COM 548661107   377,833 1,620 SH   SOLE   0 0 1,620
MANULIFE FINL CORP COM 56501R106   374,610 12,026 SH   SOLE   0 0 12,026
MCDONALDS CORP COM 580135101   344,544 1,103 SH   SOLE   0 0 1,103
MICROSOFT CORP COM 594918104   856,267 2,281 SH   SOLE   0 0 2,281
NVIDIA CORPORATION COM 67066G104   221,095 2,040 SH   SOLE   0 0 2,040
PEPSICO INC COM 713448108   405,721 2,705 SH   SOLE   0 0 2,706
PHILLIPS 66 COM 718546104   208,353 1,687 SH   SOLE   0 0 1,687
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,387,114 127,691 SH   SOLE   0 0 127,691
PROCTER AND GAMBLE CO COM 742718109   247,961 1,455 SH   SOLE   0 0 1,455
SPDR SER TR BLOOMBERG INVT 78468R200   2,646,643 85,874 SH   SOLE   0 0 85,874
SCHWAB STRATEGIC TR US REIT ETF 808524847   350,667 16,302 SH   SOLE   0 0 16,303
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   832,368 34,197 SH   SOLE   0 0 34,198
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,096,417 40,774 SH   SOLE   0 0 40,774
UNITEDHEALTH GROUP INC COM 91324P102   230,450 440 SH   SOLE   0 0 440
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,831,801 50,682 SH   SOLE   0 0 50,682
VANGUARD STAR FDS VG TL INTL STK F 921909768   324,828 5,230 SH   SOLE   0 0 5,231
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,345,105 4,021 SH   SOLE   0 0 4,021
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,713,701 24,335 SH   SOLE   0 0 24,335
VANGUARD BD INDEX FDS INTERMED TERM 921937819   779,490 10,180 SH   SOLE   0 0 10,180
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,756,997 35,219 SH   SOLE   0 0 35,220
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,233,263 16,790 SH   SOLE   0 0 16,791
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,159,088 83,423 SH   SOLE   0 0 83,424
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,180,925 29,187 SH   SOLE   0 0 29,187
VANGUARD WORLD FD FINANCIALS ETF 92204A405   217,201 1,818 SH   SOLE   0 0 1,818
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,773,373 200,602 SH   SOLE   0 0 200,603
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,831,454 48,536 SH   SOLE   0 0 48,536
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   7,860,289 132,328 SH   SOLE   0 0 132,328
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   12,042,097 260,032 SH   SOLE   0 0 260,032
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,559,180 86,407 SH   SOLE   0 0 86,407
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   7,876,407 136,719 SH   SOLE   0 0 136,719
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,961,217 72,911 SH   SOLE   0 0 72,911
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,723,883 155,660 SH   SOLE   0 0 155,661
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,069,591 17,648 SH   SOLE   0 0 17,648
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,078,096 33,997 SH   SOLE   0 0 33,997
VANGUARD INDEX FDS MID CAP ETF 922908629   200,725 776 SH   SOLE   0 0 776
VANGUARD INDEX FDS GROWTH ETF 922908736   24,545,313 66,191 SH   SOLE   0 0 66,192
VANGUARD INDEX FDS SMALL CP ETF 922908751   597,788 2,695 SH   SOLE   0 0 2,696
VANGUARD INDEX FDS TOTAL STK MKT 922908769   530,480 1,930 SH   SOLE   0 0 1,930
WALMART INC COM 931142103   394,051 4,488 SH   SOLE   0 0 4,489
WASTE MGMT INC DEL COM 94106L109   231,510 1,000 SH   SOLE   0 0 1,000
AON PLC SHS CL A G0403H108   1,082,731 2,713 SH   SOLE   0 0 2,713
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   213,123 683 SH   SOLE   0 0 683