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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALTRIA GROUP INC COM 02209S103 403 8,512 SH   SOLE 0 0 0 8,512
AMAZON COM INC COM 023135106 280 84 SH   SOLE 0 0 0 84
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,105 38,945 SH   SOLE 0 0 0 38,945
AT&T INC COM 00206R102 243 9,858 SH   SOLE 0 0 0 9,858
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE 0 0 0 1
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 51 50,000 PRN   SOLE 0 0 0 50,000
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 8,404 284,215 SH   SOLE 0 0 0 284,215
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,614 168,646 SH   SOLE 0 0 0 168,646
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 11,102 383,237 SH   SOLE 0 0 0 383,237
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,589 137,467 SH   SOLE 0 0 0 137,467
EXXON MOBIL CORP COM 30231G102 381 6,225 SH   SOLE 0 0 0 6,225
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,264 9,332 SH   SOLE 0 0 0 9,332
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 2,554 125,700 SH   SOLE 0 0 0 125,700
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 3,025 63,126 SH   SOLE 0 0 0 63,126
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101 8,876 127,017 SH   SOLE 0 0 0 127,017
FORD MTR CO DEL COM 345370860 206 9,923 SH   SOLE 0 0 0 9,923
ISHARES INC ESG AWR MSCI EM 46434G863 411 10,339 SH   SOLE 0 0 0 10,339
ISHARES TR FALN ANGLS USD 46435G474 1,169 39,022 SH   SOLE 0 0 0 39,022
ISHARES TR ESG AWR MSCI USA 46435G425 5,968 55,314 SH   SOLE 0 0 0 55,314
ISHARES TR CORE MSCI EURO 46434V738 205 3,518 SH   SOLE 0 0 0 3,518
ISHARES TR CORE MSCI PAC 46434V696 255 3,996 SH   SOLE 0 0 0 3,996
ISHARES TR CORE TOTAL USD 46434V613 404 7,626 SH   SOLE 0 0 0 7,626
ISHARES TR BROAD USD HIGH 46435U853 568 13,788 SH   SOLE 0 0 0 13,788
ISHARES TR TIPS BD ETF 464287176 2,084 16,133 SH   SOLE 0 0 0 16,133
ISHARES TR EAFE VALUE ETF 464288877 1,444 28,652 SH   SOLE 0 0 0 28,652
ISHARES TR EAFE GRWTH ETF 464288885 2,160 19,589 SH   SOLE 0 0 0 19,589
ISHARES TR U.S. MED DVC ETF 464288810 390 5,922 SH   SOLE 0 0 0 5,922
ISHARES TR 1 3 YR TREAS BD 464287457 2,669 31,204 SH   SOLE 0 0 0 31,204
ISHARES TR CORE S&P500 ETF 464287200 770 1,615 SH   SOLE 0 0 0 1,615
ISHARES TR ISHS 1-5YR INVS 464288646 286 5,308 SH   SOLE 0 0 0 5,308
ISHARES TR MBS ETF 464288588 1,705 15,872 SH   SOLE 0 0 0 15,872
ISHARES TR JPMORGAN USD EMG 464288281 236 2,166 SH   SOLE 0 0 0 2,166
ISHARES TR MSCI ACWI ETF 464288257 2,692 25,446 SH   SOLE 0 0 0 25,446
ISHARES TR 10+ YR INVST GRD 464289511 538 7,732 SH   SOLE 0 0 0 7,732
ISHARES TR MSCI USA MMENTM 46432F396 394 2,166 SH   SOLE 0 0 0 2,166
ISHARES TR MSCI USA SZE FT 46432F370 434 3,161 SH   SOLE 0 0 0 3,161
ISHARES TR MSCI USA VALUE 46432F388 1,023 9,349 SH   SOLE 0 0 0 9,349
ISHARES TR MSCI USA QLT FCT 46432F339 1,636 11,236 SH   SOLE 0 0 0 11,236
ISHARES TR MSCI USA MIN VOL 46429B697 331 4,094 SH   SOLE 0 0 0 4,094
ISHARES TR US TREAS BD ETF 46429B267 4,185 156,845 SH   SOLE 0 0 0 156,845
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 7,522 207,507 SH   SOLE 0 0 0 207,507
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 254 15,865 SH   SOLE 0 0 0 15,865
SCHWAB STRATEGIC TR US TIPS ETF 808524870 407 6,466 SH   SOLE 0 0 0 6,466
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 691 6,748 SH   SOLE 0 0 0 6,748
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 851 16,469 SH   SOLE 0 0 0 16,469
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,987 39,301 SH   SOLE 0 0 0 39,301
SELECT SECTOR SPDR TR ENERGY 81369Y506 352 6,345 SH   SOLE 0 0 0 6,345
SPDR SER TR PORTFOLIO INTRMD 78464A375 608 16,823 SH   SOLE 0 0 0 16,823
SPDR SER TR PORTFOLIO S&P500 78464A854 6,398 114,603 SH   SOLE 0 0 0 114,603
SPDR SER TR SSGA US LRG ETF 78468R804 447 2,966 SH   SOLE 0 0 0 2,966
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 225 3,605 SH   SOLE 0 0 0 3,605
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 369 3,181 SH   SOLE 0 0 0 3,181
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,042 2,386 SH   SOLE 0 0 0 2,386
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 222 14,868 SH   SOLE 0 0 0 14,868
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,141 30,967 SH   SOLE 0 0 0 30,967