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
ALTRIA GROUP INC COM 02209S103   335,710 8,322 SH   SOLE 0 0 0 8,322
AMAZON COM INC COM 023135106   246,143 1,620 SH   SOLE 0 0 0 1,620
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,777,366 53,200 SH   SOLE 0 0 0 53,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   673,032 8,253 SH   SOLE 0 0 0 8,253
APPLE INC COM 037833100   238,483 1,239 SH   SOLE 0 0 0 1,239
AT&T INC COM 00206R102   237,773 14,170 SH   SOLE 0 0 0 14,170
BLACKROCK MULTI SECTOR INC T COM 09258A107   287,430 19,162 SH   SOLE 0 0 0 19,162
BLACKROCK UTILS INFRASTRUCTU COM 09248D104   290,904 13,332 SH   SOLE 0 0 0 13,332
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   17,541,120 619,828 SH   SOLE 0 0 0 619,828
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   4,110,758 137,760 SH   SOLE 0 0 0 137,760
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   2,747,993 97,343 SH   SOLE 0 0 0 97,343
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   10,726,037 472,617 SH   SOLE 0 0 0 472,617
CHEVRON CORP NEW COM 166764100   338,171 2,267 SH   SOLE 0 0 0 2,267
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   471,640 18,380 SH   SOLE 0 0 0 18,380
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   4,693,741 164,059 SH   SOLE 0 0 0 164,059
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,820,482 168,313 SH   SOLE 0 0 0 168,313
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,358,214 97,811 SH   SOLE 0 0 0 97,811
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   25,962,080 888,200 SH   SOLE 0 0 0 888,200
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   8,230,103 138,043 SH   SOLE 0 0 0 138,043
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,329,059 54,425 SH   SOLE 0 0 0 54,425
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,415,640 34,294 SH   SOLE 0 0 0 34,294
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,509,910 82,781 SH   SOLE 0 0 0 82,781
ECOLAB INC COM 278865100   415,543 2,095 SH   SOLE 0 0 0 2,095
ELI LILLY & CO COM 532457108   350,335 601 SH   SOLE 0 0 0 601
EXXON MOBIL CORP COM 30231G102   413,970 4,141 SH   SOLE 0 0 0 4,141
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   420,003 2,924 SH   SOLE 0 0 0 2,924
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   3,665,139 217,387 SH   SOLE 0 0 0 217,387
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   4,498,095 97,636 SH   SOLE 0 0 0 97,636
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   16,971,393 239,574 SH   SOLE 0 0 0 239,574
FORD MTR CO DEL COM 345370860   138,299 11,345 SH   SOLE 0 0 0 11,345
ISHARES INC CORE MSCI EMKT 46434G103   266,051 5,260 SH   SOLE 0 0 0 5,260
ISHARES TR MSCI USA MIN VOL 46429B697   279,269 3,579 SH   SOLE 0 0 0 3,579
ISHARES TR US TREAS BD ETF 46429B267   1,209,370 52,490 SH   SOLE 0 0 0 52,490
ISHARES TR MSCI USA QLT FCT 46432F339   1,611,624 10,953 SH   SOLE 0 0 0 10,953
ISHARES TR EAFE VALUE ETF 464288877   861,786 16,541 SH   SOLE 0 0 0 16,541
ISHARES TR EAFE GRWTH ETF 464288885   749,135 7,735 SH   SOLE 0 0 0 7,735
ISHARES TR MBS ETF 464288588   416,116 4,423 SH   SOLE 0 0 0 4,423
ISHARES TR MSCI ACWI ETF 464288257   1,623,333 15,951 SH   SOLE 0 0 0 15,951
ISHARES TR CORE S&P500 ETF 464287200   666,294 1,395 SH   SOLE 0 0 0 1,395
ISHARES TR TRS FLT RT BD 46434V860   215,507 4,270 SH   SOLE 0 0 0 4,270
ISHARES TR CORE TOTAL USD 46434V613   509,811 11,066 SH   SOLE 0 0 0 11,066
ISHARES TR ESG AWR MSCI USA 46435G425   1,651,965 15,745 SH   SOLE 0 0 0 15,745
ISHARES TR 1 3 YR TREAS BD 464287457   4,253,272 51,844 SH   SOLE 0 0 0 51,844
ISHARES TR U.S. TECH ETF 464287721   250,778 2,043 SH   SOLE 0 0 0 2,043
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   1,359,182 37,168 SH   SOLE 0 0 0 37,168
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   236,165 15,979 SH   SOLE 0 0 0 15,979
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   513,053 11,005 SH   SOLE 0 0 0 11,005
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   206,873 4,276 SH   SOLE 0 0 0 4,276
SELECT SECTOR SPDR TR ENERGY 81369Y506   254,790 3,039 SH   SOLE 0 0 0 3,039
SPDR SER TR PORTFOLIO INTRMD 78464A375   346,849 10,565 SH   SOLE 0 0 0 10,565
SPDR SER TR PORTFOLIO S&P500 78464A854   6,116,690 109,422 SH   SOLE 0 0 0 109,422
SPDR SER TR SSGA US LRG ETF 78468R804   240,282 1,657 SH   SOLE 0 0 0 1,657
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,049,194 2,402 SH   SOLE 0 0 0 2,402
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   151,310 17,392 SH   SOLE 0 0 0 17,392