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
APPLE INC COM 037833100   477,079 2,460 SH   SOLE   0 0 2,460
AT&T INC COM 00206R102   386,382 24,225 SH   SOLE   0 0 24,225
CVS HEALTH CORP COM 126650100   288,423 4,172 SH   SOLE   0 0 4,172
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   8,692,804 158,628 SH   SOLE   0 0 158,628
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   6,324,514 231,498 SH   SOLE   0 0 231,498
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,270,369 182,028 SH   SOLE   0 0 182,028
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,851,497 59,745 SH   SOLE   0 0 59,745
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   929,802 19,307 SH   SOLE   0 0 19,307
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   782,272 36,351 SH   SOLE   0 0 36,351
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   657,515 26,958 SH   SOLE   0 0 26,958
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   311,973 7,476 SH   SOLE   0 0 7,476
ELEVANCE HEALTH INC COM 036752103   205,262 462 SH   SOLE   0 0 462
EXXON MOBIL CORP COM 30231G102   253,217 2,361 SH   SOLE   0 0 2,361
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   583,174 34,610 SH   SOLE   0 0 34,610
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   287,862 5,680 SH   SOLE   0 0 5,680
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   286,779 6,089 SH   SOLE   0 0 6,089
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   228,128 1,394 SH   SOLE   0 0 1,394
ISHARES INC MSCI EMERG MRKT 464286533   692,221 12,590 SH   SOLE   0 0 12,590
ISHARES TR CORE INTL AGGR 46435G672   11,879,607 241,015 SH   SOLE   0 0 241,015
ISHARES TR RUS TP200 GR ETF 464289438   10,726,662 67,650 SH   SOLE   0 0 67,650
ISHARES TR CORE TOTAL USD 46434V613   9,650,192 212,232 SH   SOLE   0 0 212,232
ISHARES TR CORE MSCI TOTAL 46432F834   7,815,627 124,810 SH   SOLE   0 0 124,810
ISHARES TR CORE US AGGBD ET 464287226   7,686,978 78,479 SH   SOLE   0 0 78,479
ISHARES TR MSCI USA MIN VOL 46429B697   6,313,315 84,936 SH   SOLE   0 0 84,936
ISHARES TR CORE S&P MCP ETF 464287507   4,157,640 15,900 SH   SOLE   0 0 15,900
ISHARES TR CORE S&P500 ETF 464287200   3,861,920 8,665 SH   SOLE   0 0 8,665
ISHARES TR MSCI EAFE MIN VL 46429B689   2,749,010 40,726 SH   SOLE   0 0 40,726
ISHARES TR ISHS 1-5YR INVS 464288646   1,767,210 35,224 SH   SOLE   0 0 35,224
ISHARES TR CORE S&P SCP ETF 464287804   1,713,715 17,197 SH   SOLE   0 0 17,197
ISHARES TR 1 3 YR TREAS BD 464287457   1,449,330 17,875 SH   SOLE   0 0 17,875
ISHARES TR RUS 1000 GRW ETF 464287614   1,267,422 4,606 SH   SOLE   0 0 4,606
ISHARES TR RUS MID CAP ETF 464287499   1,048,597 14,358 SH   SOLE   0 0 14,358
ISHARES TR SP SMCP600VL ETF 464287879   991,177 10,424 SH   SOLE   0 0 10,424
ISHARES TR S&P 500 VAL ETF 464287408   913,296 5,666 SH   SOLE   0 0 5,666
ISHARES TR MSCI EAFE ETF 464287465   773,367 10,667 SH   SOLE   0 0 10,667
ISHARES TR RUS TOP 200 ETF 464289446   615,457 5,771 SH   SOLE   0 0 5,771
ISHARES TR RUSSELL 2000 ETF 464287655   497,427 2,656 SH   SOLE   0 0 2,656
ISHARES TR RUS 1000 VAL ETF 464287598   396,942 2,515 SH   SOLE   0 0 2,515
ISHARES TR NATIONAL MUN ETF 464288414   327,981 3,073 SH   SOLE   0 0 3,073
ISHARES TR S&P 500 GRWT ETF 464287309   300,397 4,262 SH   SOLE   0 0 4,262
ISHARES TR IBOXX INV CP ETF 464287242   283,219 2,619 SH   SOLE   0 0 2,619
ISHARES TR RUS MDCP VAL ETF 464287473   225,282 2,051 SH   SOLE   0 0 2,051
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   9,932,231 213,230 SH   SOLE   0 0 213,230
JOHNSON &JOHNSON COM 478160104   211,191 1,276 SH   SOLE   0 0 1,276
JPMORGAN CHASE &CO COM 46625H100   680,771 4,681 SH   SOLE   0 0 4,681
KROGER CO COM 501044101   324,300 6,900 SH   SOLE   0 0 6,900
LILLY ELI &CO COM 532457108   2,828,698 6,032 SH   SOLE   0 0 6,032
MICROSOFT CORP COM 594918104   322,787 948 SH   SOLE   0 0 948
SPDR S&P 500 ETF TR TR UNIT 78462F103   418,918 945 SH   SOLE   0 0 945
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,818,847 87,787 SH   SOLE   0 0 87,787
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,000,634 24,677 SH   SOLE   0 0 24,677
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,553,840 62,647 SH   SOLE   0 0 62,647
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,979,152 39,422 SH   SOLE   0 0 39,422
VANGUARD BD INDEX FDS INTERMED TERM 921937819   327,428 4,352 SH   SOLE   0 0 4,352
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,272,653 26,036 SH   SOLE   0 0 26,036
VANGUARD INDEX FDS MID CAP ETF 922908629   4,585,262 20,827 SH   SOLE   0 0 20,827
VANGUARD INDEX FDS GROWTH ETF 922908736   3,198,113 11,302 SH   SOLE   0 0 11,302
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   851,199 2,090 SH   SOLE   0 0 2,090
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   532,033 6,367 SH   SOLE   0 0 6,367
VANGUARD INDEX FDS SMALL CP ETF 922908751   456,154 2,294 SH   SOLE   0 0 2,294
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   404,416 2,923 SH   SOLE   0 0 2,923
VANGUARD INDEX FDS TOTAL STK MKT 922908769   271,394 1,232 SH   SOLE   0 0 1,232
VANGUARD INDEX FDS SM CP VAL ETF 922908611   207,908 1,257 SH   SOLE   0 0 1,257
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   372,909 7,425 SH   SOLE   0 0 7,425
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,688,643 34,021 SH   SOLE   0 0 34,021
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,536,571 33,526 SH   SOLE   0 0 33,526
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,908,400 42,532 SH   SOLE   0 0 42,532
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   15,757,985 148,562 SH   SOLE   0 0 148,562
VANGUARD WORLD FD MEGA GRWTH IND 921910816   3,279,093 13,935 SH   SOLE   0 0 13,935