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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 345,355 1,320 SH   SOLE   1,320 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 749,011 2,198 SH   SOLE   2,198 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,615,520 6,484 SH   SOLE   6,484 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 854,258 7,810 SH   SOLE   7,810 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 913,745 7,759 SH   SOLE   7,759 0 0
AMERICAN TOWER CORP COM 03027X100 BBG001S5NPQ6 317,933 1,942 SH   SOLE   1,942 0 0
APPLE INC COM 037833100 BBG001S5N8V8 3,232,111 9,705 SH   SOLE   9,705 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,656,868 3,327 SH   SOLE   3,327 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 242,500 691 SH   SOLE   691 0 0
BURLINGTON STORES INC COM 122017106 BBG004S641P3 231,387 866 SH   SOLE   866 0 0
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 4,386,962 22,722 SH   SOLE   22,722 0 0
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 BBG01254CL28 1,460,087 36,393 SH   SOLE   36,393 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 361,375 8,523 SH   SOLE   8,523 0 0
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 BBG01JX91JD4 1,378,380 26,555 SH   SOLE   26,555 0 0
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 BBG01254JDW6 1,395,089 30,020 SH   SOLE   30,020 0 0
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 BBG01J9W4CB4 214,421 4,247 SH   SOLE   4,247 0 0
EA SERIES TRUST CAMB US EQUA ETF 02072Q572 BBG01Z0RD6B1 502,034 9,073 SH   SOLE   9,073 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 BBG01J43LCY9 595,649 17,059 SH   SOLE   17,059 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 BBG012S32N86 419,436 11,105 SH   SOLE   11,105 0 0
INNOVATOR ETFS TRUST INTL DE PW JUNE 45783Y285 BBG01N46Z582 270,171 8,651 SH   SOLE   8,651 0 0
INNOVATOR ETFS TRUST INTL DE PWR DECE 45783Y426 BBG01KCH54N4 486,615 14,094 SH   SOLE   14,094 0 0
INNOVATOR ETFS TRUST INTL DEV PWR BUF 45783Y459 BBG01JZB89H8 344,888 9,369 SH   SOLE   9,369 0 0
INNOVATOR ETFS TRUST INTL DEVELOPED P 45783Y350 BBG01L5731T4 235,425 7,500 SH   SOLE   7,500 0 0
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 BBG00PLYT1X6 591,734 16,378 SH   SOLE   16,378 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 BBG00QYND1G0 256,991 5,455 SH   SOLE   5,455 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 470,786 10,047 SH   SOLE   10,047 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 251,091 1,142 SH   SOLE   1,142 0 0
INVESCO EXCH TRD SLF IDX FD BULL 2034 CO ETF 46139W783 BBG01N4CTQX2 216,055 11,070 SH   SOLE   11,070 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 12,838,683 61,719 SH   SOLE   61,719 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,360,515 3,200 SH Put SOLE   3,200 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 5,362,480 66,073 SH   SOLE   66,073 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 899,173 10,068 SH   SOLE   10,068 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 18,373,372 243,711 SH   SOLE   243,711 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 13,024,912 134,444 SH   SOLE   134,444 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 332,955 3,721 SH   SOLE   3,721 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,167,888 15,936 SH   SOLE   15,936 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 42,439,875 55,415 SH   SOLE   55,415 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 404,521 8,720 SH   SOLE   8,720 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 468,189 4,582 SH   SOLE   4,582 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 881,358 8,484 SH   SOLE   8,484 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 858,238 8,489 SH   SOLE   8,489 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 890,348 7,108 SH   SOLE   7,108 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 209,005 843 SH   SOLE   843 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 536,050 1,929 SH   SOLE   1,929 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 609,997 4,762 SH   SOLE   4,762 0 0
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 329,504 3,467 SH   SOLE   3,467 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 20,870,568 493,861 SH   SOLE   493,861 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 245,636 928 SH   SOLE   928 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 BBG001S5WZ84 763,318 5,135 SH   SOLE   5,135 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 751,910 2,273 SH   SOLE   2,273 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 1,653,115 3,246 SH   SOLE   3,246 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 337,747 1,462 SH   SOLE   1,462 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 743,833 1,450 SH   SOLE   1,450 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 7,082,043 37,654 SH   SOLE   37,654 0 0
NETFLIX INC. COM 64110L106 BBG001SF6L46 680,562 9,781 SH   SOLE   9,781 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 869,136 3,806 SH   SOLE   3,806 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 254,388 1,360 SH   SOLE   1,360 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N726 BBG01MQT5WD8 1,126,418 33,695 SH   SOLE   33,695 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N700 BBG01M362WB8 201,961 6,050 SH   SOLE   6,050 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N502 BBG01LNWDRL9 756,355 21,451 SH   SOLE   21,451 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N767 BBG01MQVQ503 224,288 7,051 SH   SOLE   7,051 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N791 BBG01MQY5J64 385,537 11,614 SH   SOLE   11,614 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N304 BBG01L5NJHC5 921,994 26,374 SH   SOLE   26,374 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N742 BBG01MQTS6V0 291,532 8,696 SH   SOLE   8,696 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N106 BBG01KS9BWK9 481,495 13,488 SH   SOLE   13,488 0 0
PROCTER & GAMBLE CO COM 742718109 BBG001S5V4L9 259,847 1,789 SH   SOLE   1,789 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 403,479 2,192 SH   SOLE   2,192 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 229,038 8,338 SH   SOLE   8,338 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 3,637,851 101,248 SH   SOLE   101,248 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 3,504,312 105,203 SH   SOLE   105,203 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 609,033 20,301 SH   SOLE   20,301 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 268,359 12,176 SH   SOLE   12,176 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 BBG004DW5NC7 335,900 2,265 SH   SOLE   2,265 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 BBG001SQPN65 214,674 1,423 SH   SOLE   1,423 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 BBG001SRXRJ1 682,259 13,588 SH   SOLE   13,588 0 0
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 BBG001V11QG4 202,804 8,641 SH   SOLE   8,641 0 0
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 BBG001T083N5 1,194,427 25,604 SH   SOLE   25,604 0 0
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 BBG001T6B0P2 252,580 8,536 SH   SOLE   8,536 0 0
SPDR SERIES TRUST ST STR NUVEE ETF 78468R721 BBG001SRSPW6 514,352 12,026 SH   SOLE   12,026 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 BBG001SPTB87 657,124 7,321 SH   SOLE   7,321 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 BBG004T58LZ5 259,499 4,909 SH   SOLE   4,909 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 7,818,550 10,252 SH   SOLE   10,252 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 305,055 400 SH Put SOLE   400 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 278,526 785 SH   SOLE   785 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 336,026 915 SH   SOLE   915 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 28,231,814 121,883 SH   SOLE   121,883 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 BBG001SHTTS4 2,050,143 22,752 SH   SOLE   22,752 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 BBG001SHTTW9 282,088 835 SH   SOLE   835 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 BBG001SHTTV0 529,436 1,861 SH   SOLE   1,861 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 BBG001SHVTR2 240,733 1,042 SH   SOLE   1,042 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 BBG001SHTB03 2,218,924 5,929 SH   SOLE   5,929 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 BBG001SHVR78 865,185 4,004 SH   SOLE   4,004 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 18,326,140 204,464 SH   SOLE   204,464 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 660,781 943 SH   SOLE   943 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 11,575,407 195,168 SH   SOLE   195,168 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 1,104,183 12,721 SH   SOLE   12,721 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 707,985 14,949 SH   SOLE   14,949 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 25,009,404 441,394 SH   SOLE   441,394 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 16,108,987 205,708 SH   SOLE   205,708 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 34,568,554 447,489 SH   SOLE   447,489 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 8,352,882 35,802 SH   SOLE   35,802 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 34,335,598 486,271 SH   SOLE   486,271 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 718,011 1,998 SH   SOLE   1,998 0 0