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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
ALTRIA GROUP INC COM 02209S103   370,376 8,808 SH   SOLE 0 0 0 8,808
AMAZON COM INC COM 023135106   231,358 1,820 SH   SOLE 0 0 0 1,820
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,243,977 54,445 SH   SOLE 0 0 0 54,445
AMERICAN CENTY ETF TR US EQT ETF 025072885   604,615 8,253 SH   SOLE 0 0 0 8,253
APPLE INC COM 037833100   214,073 1,250 SH   SOLE 0 0 0 1,250
AT&T INC COM 00206R102   212,833 14,170 SH   SOLE 0 0 0 14,170
BLACKROCK MULTI SECTOR INC T COM 09258A107   292,294 20,200 SH   SOLE 0 0 0 20,200
BLACKROCK UTILS INFRASTRUCTU COM 09248D104   271,929 13,713 SH   SOLE 0 0 0 13,713
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   15,186,000 604,779 SH   SOLE 0 0 0 604,779
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,232,347 84,335 SH   SOLE 0 0 0 84,335
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   2,321,179 94,742 SH   SOLE 0 0 0 94,742
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   9,926,530 461,699 SH   SOLE 0 0 0 461,699
CHEVRON CORP NEW COM 166764100   404,688 2,400 SH   SOLE 0 0 0 2,400
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   315,250 13,594 SH   SOLE 0 0 0 13,594
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   3,864,467 150,427 SH   SOLE 0 0 0 150,427
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,111,670 157,475 SH   SOLE 0 0 0 157,475
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,134,608 94,577 SH   SOLE 0 0 0 94,577
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   23,095,399 881,504 SH   SOLE 0 0 0 881,504
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,285,833 138,804 SH   SOLE 0 0 0 138,804
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,246,977 55,372 SH   SOLE 0 0 0 55,372
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,400,031 35,203 SH   SOLE 0 0 0 35,203
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,382,841 83,796 SH   SOLE 0 0 0 83,796
ECOLAB INC COM 278865100   354,893 2,095 SH   SOLE 0 0 0 2,095
ELI LILLY & CO COM 532457108   376,528 701 SH   SOLE 0 0 0 701
EXXON MOBIL CORP COM 30231G102   519,351 4,417 SH   SOLE 0 0 0 4,417
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   359,447 2,924 SH   SOLE 0 0 0 2,924
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   3,538,377 221,564 SH   SOLE 0 0 0 221,564
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   4,566,893 99,845 SH   SOLE 0 0 0 99,845
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   16,764,887 258,797 SH   SOLE 0 0 0 258,797
FORD MTR CO DEL COM 345370860   140,648 11,324 SH   SOLE 0 0 0 11,324
ISHARES INC CORE MSCI EMKT 46434G103   244,279 5,133 SH   SOLE 0 0 0 5,133
ISHARES TR US TREAS BD ETF 46429B267   1,164,682 52,844 SH   SOLE 0 0 0 52,844
ISHARES TR MSCI ACWI ETF 464288257   1,473,394 15,951 SH   SOLE 0 0 0 15,951
ISHARES TR MSCI USA MIN VOL 46429B697   256,587 3,545 SH   SOLE 0 0 0 3,545
ISHARES TR MSCI USA QLT FCT 46432F339   1,430,053 10,851 SH   SOLE 0 0 0 10,851
ISHARES TR TRS FLT RT BD 46434V860   211,434 4,167 SH   SOLE 0 0 0 4,167
ISHARES TR CORE TOTAL USD 46434V613   476,756 10,906 SH   SOLE 0 0 0 10,906
ISHARES TR ESG AWR MSCI USA 46435G425   1,471,194 15,666 SH   SOLE 0 0 0 15,666
ISHARES TR EAFE VALUE ETF 464288877   795,210 16,252 SH   SOLE 0 0 0 16,252
ISHARES TR EAFE GRWTH ETF 464288885   659,936 7,647 SH   SOLE 0 0 0 7,647
ISHARES TR MBS ETF 464288588   392,762 4,423 SH   SOLE 0 0 0 4,423
ISHARES TR 1 3 YR TREAS BD 464287457   4,283,241 52,899 SH   SOLE 0 0 0 52,899
ISHARES TR U.S. TECH ETF 464287721   208,686 1,989 SH   SOLE 0 0 0 1,989
ISHARES TR CORE S&P500 ETF 464287200   599,055 1,395 SH   SOLE 0 0 0 1,395
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   1,268,077 39,418 SH   SOLE 0 0 0 39,418
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   211,005 15,865 SH   SOLE 0 0 0 15,865
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   489,316 11,063 SH   SOLE 0 0 0 11,063
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   202,325 4,308 SH   SOLE 0 0 0 4,308
SELECT SECTOR SPDR TR ENERGY 81369Y506   274,695 3,039 SH   SOLE 0 0 0 3,039
SPDR SER TR PORTFOLIO S&P500 78464A854   5,289,011 105,233 SH   SOLE 0 0 0 105,233
SPDR SER TR PORTFOLIO INTRMD 78464A375   332,269 10,565 SH   SOLE 0 0 0 10,565
SPDR SER TR SSGA US LRG ETF 78468R804   221,252 1,657 SH   SOLE 0 0 0 1,657
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,021,805 2,602 SH   SOLE 0 0 0 2,602
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   167,663 17,686 SH   SOLE 0 0 0 17,686