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
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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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 79,928 1,545,999 SH   SOLE   0 0 1,545,999
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 25,370 299,351 SH   SOLE   0 0 299,351
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 21,812 286,588 SH   SOLE   0 0 286,588
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,493 285,014 SH   SOLE   0 0 285,014
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 10,859 197,753 SH   SOLE   0 0 197,753
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,801 200,397 SH   SOLE   0 0 200,397
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 10,282 216,364 SH   SOLE   0 0 216,364
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 9,503 83,490 SH   SOLE   0 0 83,490
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 9,239 154,017 SH   SOLE   0 0 154,017
APPLE INC COM 037833100 6,720 37,841 SH   SOLE   0 0 37,841
ISHARES TR RUS 1000 ETF 464287622 4,874 18,433 SH   SOLE   0 0 18,433
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,835 94,700 SH   SOLE   0 0 94,700
ALPHABET INC CAP STK CL C 02079K107 3,898 1,347 SH   SOLE   0 0 1,347
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,626 12,869 SH   SOLE   0 0 12,869
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,547 108,074 SH   SOLE   0 0 108,074
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,440 131,759 SH   SOLE   0 0 131,759
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 2,553 119,378 SH   SOLE   0 0 119,378
ISHARES TR RUS 1000 GRW ETF 464287614 1,950 6,381 SH   SOLE   0 0 6,381
AMAZON COM INC COM 023135106 1,757 527 SH   SOLE   0 0 527
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,744 34,506 SH   SOLE   0 0 34,506
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,627 5,441 SH   SOLE   0 0 5,441
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,420 12,664 SH   SOLE   0 0 12,664
MICROSOFT CORP COM 594918104 1,358 4,037 SH   SOLE   0 0 4,037
NVIDIA CORPORATION COM 67066G104 1,184 4,026 SH   SOLE   0 0 4,026
ROOT INC COM CL A 77664L108 1,184 382,063 SH   SOLE   0 0 382,063
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,116 22,556 SH   SOLE   0 0 22,556
DUOLINGO INC CL A COM 26603R106 882 8,313 SH   SOLE   0 0 8,313
ISHARES TR GRWT ALLOCAT ETF 464289867 869 15,221 SH   SOLE   0 0 15,221
SPDR SER TR S&P 600 SMCP VAL 78464A300 857 10,117 SH   SOLE   0 0 10,117
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 849 15,187 SH   SOLE   0 0 15,187
AGILON HEALTH INC COM 00857U107 838 31,050 SH   SOLE   0 0 31,050
ISHARES TR SELECT DIVID ETF 464287168 838 6,835 SH   SOLE   0 0 6,835
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 823 24,938 SH   SOLE   0 0 24,938
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 775 26,177 SH   SOLE   0 0 26,177
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 726 4,829 SH   SOLE   0 0 4,829
TESLA INC COM 88160R101 660 625 SH   SOLE   0 0 625
NEXSTAR MEDIA GROUP INC CL A 65336K103 573 3,796 SH   SOLE   0 0 3,796
UNITEDHEALTH GROUP INC COM 91324P102 572 1,140 SH   SOLE   0 0 1,140
ARCBEST CORP COM 03937C105 563 4,700 SH   SOLE   0 0 4,700
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 551 19,010 SH   SOLE   0 0 19,010
ABBVIE INC COM 00287Y109 545 4,026 SH   SOLE   0 0 4,026
JABIL INC COM 466313103 534 7,585 SH   SOLE   0 0 7,585
FORD MTR CO DEL COM 345370860 520 25,050 SH   SOLE   0 0 25,050
TARGET CORP COM 87612E106 520 2,245 SH   SOLE   0 0 2,245
ISHARES TR CORE MSCI INTL 46435G326 516 7,638 SH   SOLE   0 0 7,638
MARVELL TECHNOLOGY INC COM 573874104 481 5,495 SH   SOLE   0 0 5,495
MIDDLEBY CORP COM 596278101 472 2,401 SH   SOLE   0 0 2,401
ONEOK INC NEW COM 682680103 463 7,875 SH   SOLE   0 0 7,875
PAYPAL HLDGS INC COM 70450Y103 457 2,424 SH   SOLE   0 0 2,424
GLADSTONE COMMERCIAL CORP COM 376536108 451 17,500 SH   SOLE   0 0 17,500
BLACKSTONE MTG TR INC COM CL A 09257W100 449 14,650 SH   SOLE   0 0 14,650
ANTHEM INC COM 036752103 440 950 SH   SOLE   0 0 950
KULICKE & SOFFA INDS INC COM 501242101 440 7,273 SH   SOLE   0 0 7,273
NETFLIX INC COM 64110L106 422 700 SH   SOLE   0 0 700
WP CAREY INC COM 92936U109 410 5,000 SH   SOLE   0 0 5,000
ENBRIDGE INC COM 29250N105 391 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 390 2,383 SH   SOLE   0 0 2,383
BLACKSTONE INC COM 09260D107 387 2,989 SH   SOLE   0 0 2,989
QUALCOMM INC COM 747525103 381 2,086 SH   SOLE   0 0 2,086
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 379 12,832 SH   SOLE   0 0 12,832
KKR & CO INC COM 48251W104 376 5,042 SH   SOLE   0 0 5,042
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 370 5,054 SH   SOLE   0 0 5,054
ADVANCED MICRO DEVICES INC COM 007903107 360 2,500 SH   SOLE   0 0 2,500
KINDER MORGAN INC DEL COM 49456B101 358 22,575 SH   SOLE   0 0 22,575
HUNTINGTON BANCSHARES INC COM 446150104 353 22,913 SH   SOLE   0 0 22,913
WESTERN DIGITAL CORP. COM 958102105 346 5,300 SH   SOLE   0 0 5,300
NXP SEMICONDUCTORS N V COM N6596X109 342 1,500 SH   SOLE   0 0 1,500
LUMEN TECHNOLOGIES INC COM 550241103 340 27,083 SH   SOLE   0 0 27,083
M & T BK CORP COM 55261F104 338 2,200 SH   SOLE   0 0 2,200
CONSTELLATION BRANDS INC CL A 21036P108 335 1,335 SH   SOLE   0 0 1,335
NEW YORK CMNTY BANCORP INC COM 649445103 334 27,337 SH   SOLE   0 0 27,337
JPMORGAN CHASE & CO COM 46625H100 331 2,090 SH   SOLE   0 0 2,090
SKYWORKS SOLUTIONS INC COM 83088M102 324 2,086 SH   SOLE   0 0 2,086
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 314 1,234 SH   SOLE   0 0 1,234
WILLIAMS COS INC COM 969457100 312 12,000 SH   SOLE   0 0 12,000
DISNEY WALT CO COM 254687106 306 1,977 SH   SOLE   0 0 1,977
DOW INC COM 260557103 298 5,249 SH   SOLE   0 0 5,249
AT&T INC COM 00206R102 288 11,698 SH   SOLE   0 0 11,698
STARBUCKS CORP COM 855244109 287 2,454 SH   SOLE   0 0 2,454
VISA INC COM CL A 92826C839 283 1,304 SH   SOLE   0 0 1,304
CITIGROUP INC COM NEW 172967424 275 4,558 SH   SOLE   0 0 4,558
OLD REP INTL CORP COM 680223104 265 10,800 SH   SOLE   0 0 10,800
NUCOR CORP COM 670346105 257 2,247 SH   SOLE   0 0 2,247
SIMON PPTY GROUP INC NEW COM 828806109 257 1,608 SH   SOLE   0 0 1,608
INTERNATIONAL BUSINESS MACHS COM 459200101 251 1,881 SH   SOLE   0 0 1,881
ISHARES TR RUSSELL 3000 ETF 464287689 251 904 SH   SOLE   0 0 904
NATIONAL RETAIL PROPERTIES I COM 637417106 250 5,203 SH   SOLE   0 0 5,203
BP PLC SPONSORED ADR 055622104 240 9,000 SH   SOLE   0 0 9,000
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 235 11,350 SH   SOLE   0 0 11,350
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 225 5,487 SH   SOLE   0 0 5,487
WORTHINGTON INDS INC COM 981811102 222 4,064 SH   SOLE   0 0 4,064
MORGAN STANLEY COM NEW 617446448 219 2,234 SH   SOLE   0 0 2,234
SPDR S&P 500 ETF TR TR UNIT 78462F103 214 450 SH   SOLE   0 0 450
HEWLETT PACKARD ENTERPRISE C COM 42824C109 165 10,479 SH   SOLE   0 0 10,479
WHEELS UP EXPERIENCE INC COM CL A 96328L106 128 27,493 SH   SOLE   0 0 27,493