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
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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   355,483 8,150 SH   SOLE 0 0 0 8,150
AMAZON COM INC COM 023135106   392,868 2,178 SH   SOLE 0 0 0 2,178
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,355,688 57,152 SH   SOLE 0 0 0 57,152
AMERICAN CENTY ETF TR US EQT ETF 025072885   739,472 8,262 SH   SOLE 0 0 0 8,262
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   209,450 3,286 SH   SOLE 0 0 0 3,286
AT&T INC COM 00206R102   249,392 14,170 SH   SOLE 0 0 0 14,170
BLACKROCK MULTI SECTOR INC T COM 09258A107   304,293 19,162 SH   SOLE 0 0 0 19,162
BLACKROCK UTILS INFRASTRUCTU COM 09248D104   287,571 13,332 SH   SOLE 0 0 0 13,332
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   22,485,461 721,613 SH   SOLE 0 0 0 721,613
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   12,968,610 399,034 SH   SOLE 0 0 0 399,034
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   4,428,984 138,449 SH   SOLE 0 0 0 138,449
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   14,038,912 625,063 SH   SOLE 0 0 0 625,063
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   394,682 14,612 SH   SOLE 0 0 0 14,612
CHEVRON CORP NEW COM 166764100   349,143 2,213 SH   SOLE 0 0 0 2,213
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   9,166,438 303,324 SH   SOLE 0 0 0 303,324
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,290,959 173,583 SH   SOLE 0 0 0 173,583
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   34,626,784 1,083,780 SH   SOLE 0 0 0 1,083,780
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   9,752,649 156,443 SH   SOLE 0 0 0 156,443
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,384,984 54,441 SH   SOLE 0 0 0 54,441
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,827,462 44,302 SH   SOLE 0 0 0 44,302
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   4,162,250 99,219 SH   SOLE 0 0 0 99,219
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   1,238,008 45,954 SH   SOLE 0 0 0 45,954
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   6,722,806 212,680 SH   SOLE 0 0 0 212,680
ECOLAB INC COM 278865100   483,792 2,095 SH   SOLE 0 0 0 2,095
ELI LILLY & CO COM 532457108   467,554 601 SH   SOLE 0 0 0 601
EXXON MOBIL CORP COM 30231G102   481,668 4,144 SH   SOLE 0 0 0 4,144
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   398,604 2,558 SH   SOLE 0 0 0 2,558
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   4,435,260 256,077 SH   SOLE 0 0 0 256,077
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   5,358,100 115,951 SH   SOLE 0 0 0 115,951
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   15,384,666 201,423 SH   SOLE 0 0 0 201,423
ISHARES INC CORE MSCI EMKT 46434G103   366,670 7,106 SH   SOLE 0 0 0 7,106
ISHARES TR US TREAS BD ETF 46429B267   846,761 37,188 SH   SOLE 0 0 0 37,188
ISHARES TR MSCI ACWI ETF 464288257   1,602,832 14,554 SH   SOLE 0 0 0 14,554
ISHARES TR MSCI USA MIN VOL 46429B697   226,147 2,706 SH   SOLE 0 0 0 2,706
ISHARES TR EAFE VALUE ETF 464288877   919,850 16,909 SH   SOLE 0 0 0 16,909
ISHARES TR EAFE GRWTH ETF 464288885   773,028 7,448 SH   SOLE 0 0 0 7,448
ISHARES TR MBS ETF 464288588   448,856 4,857 SH   SOLE 0 0 0 4,857
ISHARES TR 1 3 YR TREAS BD 464287457   5,170,270 63,222 SH   SOLE 0 0 0 63,222
ISHARES TR 20 YR TR BD ETF 464287432   235,166 2,485 SH   SOLE 0 0 0 2,485
ISHARES TR U.S. TECH ETF 464287721   347,030 2,569 SH   SOLE 0 0 0 2,569
ISHARES TR S&P 500 VAL ETF 464287408   220,623 1,181 SH   SOLE 0 0 0 1,181
ISHARES TR CORE S&P500 ETF 464287200   734,841 1,398 SH   SOLE 0 0 0 1,398
ISHARES TR MSCI USA QLT FCT 46432F339   1,991,490 12,117 SH   SOLE 0 0 0 12,117
ISHARES TR TRS FLT RT BD 46434V860   275,018 5,425 SH   SOLE 0 0 0 5,425
ISHARES TR CORE TOTAL USD 46434V613   722,090 15,839 SH   SOLE 0 0 0 15,839
ISHARES TR ESG AWR MSCI USA 46435G425   1,226,530 10,669 SH   SOLE 0 0 0 10,669
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   1,303,709 33,845 SH   SOLE 0 0 0 33,845
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   232,288 16,086 SH   SOLE 0 0 0 16,086
READY CAPITAL CORP COM 75574U101   105,878 11,597 SH   SOLE 0 0 0 11,597
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   638,681 13,884 SH   SOLE 0 0 0 13,884
SPDR SER TR PORTFOLIO INTRMD 78464A375   254,917 7,798 SH   SOLE 0 0 0 7,798
SPDR SER TR PORTFOLIO S&P500 78464A854   7,319,399 118,957 SH   SOLE 0 0 0 118,957
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,156,735 2,406 SH   SOLE 0 0 0 2,406
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   155,242 17,443 SH   SOLE 0 0 0 17,443