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
AFLAC INC COM 001055102   226,528 2,148 SH   SOLE   0 0 2,148
ABBOTT LABS COM 002824100   311,187 2,287 SH   SOLE   0 0 2,288
ABBVIE INC COM 00287Y109   247,694 1,334 SH   SOLE   0 0 1,334
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   5,176,407 100,376 SH   SOLE   0 0 100,376
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   13,057,189 191,426 SH   SOLE   0 0 191,426
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   12,929,812 207,757 SH   SOLE   0 0 207,758
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   14,568,430 212,553 SH   SOLE   0 0 212,554
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   336,453 7,154 SH   SOLE   0 0 7,154
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   349,205 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   15,245,733 205,995 SH   SOLE   0 0 205,996
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   729,376 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   26,452,136 262,369 SH   SOLE   0 0 262,370
ANALOG DEVICES INC COM 032654105   245,637 1,032 SH   SOLE   0 0 1,032
APPLE INC COM 037833100   1,270,619 6,193 SH   SOLE   0 0 6,193
AUTOMATIC DATA PROCESSING IN COM 053015103   344,124 1,115 SH   SOLE   0 0 1,116
BANK AMERICA CORP COM 060505104   368,055 7,778 SH   SOLE   0 0 7,778
BLACKROCK INC COM 09290D101   228,737 218 SH   SOLE   0 0 218
CATERPILLAR INC COM 149123101   283,393 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   237,071 1,655 SH   SOLE   0 0 1,656
CISCO SYS INC COM 17275R102   290,841 4,192 SH   SOLE   0 0 4,192
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   340,152 11,749 SH   SOLE   0 0 11,750
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,772,198 56,284 SH   SOLE   0 0 56,285
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   832,388 13,065 SH   SOLE   0 0 13,065
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,327,550 24,602 SH   SOLE   0 0 24,602
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,847,686 246,866 SH   SOLE   0 0 246,866
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,755,687 41,525 SH   SOLE   0 0 41,525
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   15,863,636 537,932 SH   SOLE   0 0 537,933
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   7,631,102 255,733 SH   SOLE   0 0 255,734
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   14,269,805 401,288 SH   SOLE   0 0 401,288
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,297,543 27,357 SH   SOLE   0 0 27,357
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   447,444 15,234 SH   SOLE   0 0 15,235
EXXON MOBIL CORP COM 30231G102   202,564 1,879 SH   SOLE   0 0 1,879
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   684,840 52,000 SH   SOLE   0 0 52,000
ILLINOIS TOOL WKS INC COM 452308109   213,377 863 SH   SOLE   0 0 863
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367   266,347 9,109 SH   SOLE   0 0 9,109
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   219,100 7,000 SH   SOLE   0 0 7,000
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   231,608 6,211 SH   SOLE   0 0 6,211
INNOVATOR ETFS TRUST S&P INVT GRD PFD 45783Y822   1,706,898 96,819 SH   SOLE   0 0 96,819
INVESCO QQQ TR UNIT SER 1 46090E103   2,083,975 3,777 SH   SOLE   0 0 3,778
ISHARES TR PFD AND INCM SEC 464288687   223,412 7,282 SH   SOLE   0 0 7,282
JPMORGAN CHASE & CO. COM 46625H100   332,743 1,147 SH   SOLE   0 0 1,148
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   2,479,844 43,620 SH   SOLE   0 0 43,621
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,080,491 119,412 SH   SOLE   0 0 119,413
JOHNSON & JOHNSON COM 478160104   392,830 2,571 SH   SOLE   0 0 2,572
ELI LILLY & CO COM 532457108   241,654 310 SH   SOLE   0 0 310
LOWES COS INC COM 548661107   359,429 1,620 SH   SOLE   0 0 1,620
MANULIFE FINL CORP COM 56501R106   384,351 12,026 SH   SOLE   0 0 12,026
MCDONALDS CORP COM 580135101   322,264 1,103 SH   SOLE   0 0 1,103
MICROSOFT CORP COM 594918104   1,134,595 2,281 SH   SOLE   0 0 2,281
NVIDIA CORPORATION COM 67066G104   326,091 2,064 SH   SOLE   0 0 2,064
PEPSICO INC COM 713448108   357,286 2,705 SH   SOLE   0 0 2,706
PHILLIPS 66 COM 718546104   201,300 1,687 SH   SOLE   0 0 1,687
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,454,876 128,660 SH   SOLE   0 0 128,660
PROCTER AND GAMBLE CO COM 742718109   231,811 1,455 SH   SOLE   0 0 1,455
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   2,645,129 85,797 SH   SOLE   0 0 85,797
SCHWAB STRATEGIC TR US REIT ETF 808524847   308,302 14,570 SH   SOLE   0 0 14,570
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   842,337 34,550 SH   SOLE   0 0 34,550
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,128,111 42,283 SH   SOLE   0 0 42,283
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,125,861 54,360 SH   SOLE   0 0 54,360
VANGUARD STAR FDS VG TL INTL STK F 921909768   361,391 5,230 SH   SOLE   0 0 5,231
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,595,075 4,022 SH   SOLE   0 0 4,022
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,689,650 24,297 SH   SOLE   0 0 24,298
VANGUARD BD INDEX FDS INTERMED TERM 921937819   787,061 10,176 SH   SOLE   0 0 10,177
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,713,482 34,478 SH   SOLE   0 0 34,479
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,264,454 17,173 SH   SOLE   0 0 17,173
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,109,507 82,412 SH   SOLE   0 0 82,413
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,367,261 29,626 SH   SOLE   0 0 29,626
VANGUARD WORLD FD FINANCIALS ETF 92204A405   231,438 1,818 SH   SOLE   0 0 1,818
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,918,759 202,768 SH   SOLE   0 0 202,769
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,892,635 48,963 SH   SOLE   0 0 48,964
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,153,898 136,330 SH   SOLE   0 0 136,330
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   12,046,563 259,960 SH   SOLE   0 0 259,960
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,651,156 87,630 SH   SOLE   0 0 87,631
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   7,750,077 138,098 SH   SOLE   0 0 138,098
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,035,225 72,783 SH   SOLE   0 0 72,784
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712   263,896 3,587 SH   SOLE   0 0 3,587
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,312,644 149,146 SH   SOLE   0 0 149,146
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,303,047 18,138 SH   SOLE   0 0 18,138
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,086,870 34,660 SH   SOLE   0 0 34,661
VANGUARD INDEX FDS MID CAP ETF 922908629   212,242 758 SH   SOLE   0 0 758
VANGUARD INDEX FDS GROWTH ETF 922908736   29,472,311 67,226 SH   SOLE   0 0 67,227
VANGUARD INDEX FDS SMALL CP ETF 922908751   631,222 2,663 SH   SOLE   0 0 2,664
VANGUARD INDEX FDS TOTAL STK MKT 922908769   584,805 1,924 SH   SOLE   0 0 1,924
WALMART INC COM 931142103   434,003 4,438 SH   SOLE   0 0 4,439
WASTE MGMT INC DEL COM 94106L109   228,820 1,000 SH   SOLE   0 0 1,000
AON PLC SHS CL A G0403H108   967,890 2,713 SH   SOLE   0 0 2,713