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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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 59,335 1,528,453 SH   SOLE   0 0 1,528,453
ISHARES TR CORE TOTAL USD 46434V613 24,069 540,883 SH   SOLE   0 0 540,883
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 15,876 328,973 SH   SOLE   0 0 328,973
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 16,863 281,091 SH   SOLE   0 0 281,091
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 8,867 227,537 SH   SOLE   0 0 227,537
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 7,892 169,653 SH   SOLE   0 0 169,653
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,072 166,979 SH   SOLE   0 0 166,979
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,524 133,631 SH   SOLE   0 0 133,631
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 6,464 128,518 SH   SOLE   0 0 128,518
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,165 122,848 SH   SOLE   0 0 122,848
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 2,476 116,903 SH   SOLE   0 0 116,903
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,751 94,638 SH   SOLE   0 0 94,638
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,716 76,953 SH   SOLE   0 0 76,953
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,957 73,327 SH   SOLE   0 0 73,327
ISHARES TR MSCI USA MIN VOL 46429B697 3,770 57,037 SH   SOLE   0 0 57,037
INVESCO EXCH TRD SLF IDX FD DEFENSIVE EQTY 46138J775 3,388 56,284 SH   SOLE   0 0 56,284
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,975 44,589 SH   SOLE   0 0 44,589
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,095 43,532 SH   SOLE   0 0 43,532
AGILON HEALTH INC COM 00857U107 727 31,050 SH   SOLE   0 0 31,050
APPLE INC COM 037833100 4,110 29,738 SH   SOLE   0 0 29,738
WHEELS UP EXPERIENCE INC COM CL A 96328L106 32 27,493 SH   SOLE   0 0 27,493
ISHARES TR 1 3 YR TREAS BD 464287457 1,856 22,855 SH   SOLE   0 0 22,855
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 832 22,796 SH   SOLE   0 0 22,796
HUNTINGTON BANCSHARES INC COM 446150104 296 22,445 SH   SOLE   0 0 22,445
ROOT INC CL A NEW 77664L207 167 21,225 SH   SOLE   0 0 21,225
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 428 19,854 SH   SOLE   0 0 19,854
ISHARES TR RUS 1000 ETF 464287622 3,637 18,433 SH   SOLE   0 0 18,433
ALPHABET INC CAP STK CL C 02079K107 1,721 17,900 SH   SOLE   0 0 17,900
ISHARES TR GRWT ALLOCAT ETF 464289867 682 15,221 SH   SOLE   0 0 15,221
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 654 15,187 SH   SOLE   0 0 15,187
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 300 13,489 SH   SOLE   0 0 13,489
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,557 12,859 SH   SOLE   0 0 12,859
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 913 12,575 SH   SOLE   0 0 12,575
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,379 12,190 SH   SOLE   0 0 12,190
SPDR SER TR S&P 600 SMCP VAL 78464A300 679 10,117 SH   SOLE   0 0 10,117
ISHARES TR CORE MSCI INTL 46435G326 434 8,992 SH   SOLE   0 0 8,992
AMAZON COM INC COM 023135106 903 7,995 SH   SOLE   0 0 7,995
ISHARES INC CORE MSCI EMKT 46434G103 319 7,422 SH   SOLE   0 0 7,422
ISHARES TR SELECT DIVID ETF 464287168 733 6,835 SH   SOLE   0 0 6,835
ISHARES TR RUS 1000 GRW ETF 464287614 1,343 6,381 SH   SOLE   0 0 6,381
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 311 5,568 SH   SOLE   0 0 5,568
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 296 5,054 SH   SOLE   0 0 5,054
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,312 4,914 SH   SOLE   0 0 4,914
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 588 4,829 SH   SOLE   0 0 4,829
NVIDIA CORPORATION COM 67066G104 516 4,247 SH   SOLE   0 0 4,247
VANGUARD INDEX FDS TOTAL STK MKT 922908769 543 3,026 SH   SOLE   0 0 3,026
TWILIO INC CL A 90138F102 201 2,910 SH   SOLE   0 0 2,910
MICROSOFT CORP COM 594918104 656 2,816 SH   SOLE   0 0 2,816
DUOLINGO INC CL A COM 26603R106 238 2,500 SH   SOLE   0 0 2,500
TESLA INC COM 88160R101 555 2,091 SH   SOLE   0 0 2,091
JPMORGAN CHASE & CO COM 46625H100 218 2,090 SH   SOLE   0 0 2,090
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 210 1,234 SH   SOLE   0 0 1,234
NETFLIX INC COM 64110L106 237 1,006 SH   SOLE   0 0 1,006
UNITEDHEALTH GROUP INC COM 91324P102 268 532 SH   SOLE   0 0 532