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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 285,975 1,315 SH   SOLE   1,315 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 622,234 2,169 SH   SOLE   2,169 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,482,470 7,118 SH   SOLE   7,118 0 0
AMERICAN TOWER CORP COM 03027X100 BBG001S5NPQ6 334,660 1,939 SH   SOLE   1,939 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,836,999 11,179 SH   SOLE   11,179 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,813,293 3,784 SH   SOLE   3,784 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 215,826 697 SH   SOLE   697 0 0
BURLINGTON STORES INC COM 122017106 BBG004S641P3 281,779 866 SH   SOLE   866 0 0
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 4,141,357 22,701 SH   SOLE   22,701 0 0
CAVA GROUP INC COM 148929102 BBG00GBR8762 242,700 3,000 SH   SOLE   3,000 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 1,399,129 33,139 SH   SOLE   33,139 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 318,692 8,907 SH   SOLE   8,907 0 0
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 BBG01JX91JD4 1,340,429 24,761 SH   SOLE   24,761 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 805,286 20,418 SH   SOLE   20,418 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 1,362,761 28,462 SH   SOLE   28,462 0 0
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 BBG01J9W4CB4 709,012 13,982 SH   SOLE   13,982 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 829,660 11,664 SH   SOLE   11,664 0 0
EA SERIES TRUST CAMBRIA US EQUAL 02072Q572 BBG01Z0RD6B1 443,489 9,073 SH   SOLE   9,073 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 285,624 1,401 SH   SOLE   1,401 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 324,772 1,914 SH   SOLE   1,914 0 0
INNOVATOR ETFS TRUST INNOVATOR INTER 45783Y533 BBG01J43LCY9 353,902 10,793 SH   SOLE   10,793 0 0
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285 BBG01N46Z582 223,871 7,609 SH   SOLE   7,609 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DE 45783Y426 BBG01KCH54N4 461,375 14,170 SH   SOLE   14,170 0 0
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 BBG012S32N86 404,407 11,538 SH   SOLE   11,538 0 0
INNOVATOR ETFS TRUST INTL DEV PWR BUF 45783Y459 BBG01JZB89H8 335,193 9,662 SH   SOLE   9,662 0 0
INNOVATOR ETFS TRUST INTL DEVELOPED P 45783Y350 BBG01L5731T4 246,087 8,255 SH   SOLE   8,255 0 0
INNOVATOR ETFS TRUST INTRNL DEV JAN 45782C524 BBG00R877XM2 263,211 7,255 SH   SOLE   7,255 0 0
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 BBG00PLYT1X6 302,772 8,971 SH   SOLE   8,971 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 BBG00QPZ1F93 205,485 5,029 SH   SOLE   5,029 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 BBG00LNDTJL3 250,707 5,454 SH   SOLE   5,454 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540 BBG00QYND1G0 242,123 5,697 SH   SOLE   5,697 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 BBG00Q4028Q9 702,653 16,318 SH   SOLE   16,318 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 271,849 1,122 SH   SOLE   1,122 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,854,653 3,200 PRN Put SOLE   3,200 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 3,996,326 57,295 SH   SOLE   57,295 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 1,482,470 15,533 SH   SOLE   15,533 0 0
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 18,156,402 258,712 SH   SOLE   258,712 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 10,210,154 112,782 SH   SOLE   112,782 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,124,582 17,091 SH   SOLE   17,091 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 34,342,025 52,574 SH   SOLE   52,574 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 379,438 8,929 SH   SOLE   8,929 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 992,217 9,104 SH   SOLE   9,104 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 863,896 8,894 SH   SOLE   8,894 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,378,039 12,982 SH   SOLE   12,982 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 757,713 1,777 SH   SOLE   1,777 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 494,760 1,995 SH   SOLE   1,995 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 565,240 4,772 SH   SOLE   4,772 0 0
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 324,624 3,433 SH   SOLE   3,433 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 BBG001S5WZ84 672,297 5,134 SH   SOLE   5,134 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 699,947 2,379 SH   SOLE   2,379 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 1,855,155 3,069 SH   SOLE   3,069 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 406,203 1,307 SH   SOLE   1,307 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 525,465 1,420 SH   SOLE   1,420 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 6,211,739 37,745 SH   SOLE   37,745 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 1,645,712 10,000 PRN Put SOLE   10,000 0 0
NETFLIX INC. COM 64110L106 BBG001SF6L46 926,598 9,637 SH   SOLE   9,637 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 626,479 3,592 SH   SOLE   3,592 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 206,255 1,410 SH   SOLE   1,410 0 0
PEPSICO INC COM 713448108 BBG001S695T1 376,578 2,425 SH   SOLE   2,425 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N767 BBG01MQVQ503 258,368 8,938 SH   SOLE   8,938 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N502 BBG01LNWDRL9 661,223 20,868 SH   SOLE   20,868 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N304 BBG01L5NJHC5 772,539 24,697 SH   SOLE   24,697 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N726 BBG01MQT5WD8 1,129,484 38,034 SH   SOLE   38,034 0 0
PGIM ROCK ETF TR S&P 500 BUFFER 69420N106 BBG01KS9BWK9 405,448 12,706 SH   SOLE   12,706 0 0
PROCTER & GAMBLE CO COM 742718109 BBG001S5V4L9 254,045 1,759 SH   SOLE   1,759 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 284,890 2,212 SH   SOLE   2,212 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 2,863,304 98,294 SH   SOLE   98,294 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 3,169,255 103,910 SH   SOLE   103,910 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 697,702 27,211 SH   SOLE   27,211 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 267,787 12,461 SH   SOLE   12,461 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 BBG004DW5NC7 262,743 2,215 SH   SOLE   2,215 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 BBG001SRXRJ1 610,660 13,377 SH   SOLE   13,377 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854 BBG001SPTB87 579,496 7,571 SH   SOLE   7,571 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A375 BBG001T2HCY9 579,806 17,287 SH   SOLE   17,287 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R721 BBG001SRSPW6 867,536 19,134 SH   SOLE   19,134 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853 BBG004T58LZ5 241,020 4,988 SH   SOLE   4,988 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474 BBG001T6B0P2 294,536 9,795 SH   SOLE   9,795 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R408 BBG002QLYD04 1,546,457 61,908 SH   SOLE   61,908 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R739 BBG001T083N5 979,893 20,487 SH   SOLE   20,487 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R622 BBG001SQS7X7 232,600 2,430 SH   SOLE   2,430 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 6,880,000 10,579 SH   SOLE   10,579 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 260,138 400 PRN Put SOLE   400 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 285,132 767 SH   SOLE   767 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 252,533 933 SH   SOLE   933 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 14,154,537 492,846 SH   SOLE   492,846 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 611,207 12,190 SH   SOLE   12,190 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 24,209,386 117,636 SH   SOLE   117,636 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,658,929 3,798 SH   SOLE   3,798 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 17,357,087 195,683 SH   SOLE   195,683 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 484,702 811 SH   SOLE   811 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 405,452 1,548 SH   SOLE   1,548 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 647,940 2,020 SH   SOLE   2,020 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 775,421 3,952 SH   SOLE   3,952 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 10,313,054 190,806 SH   SOLE   190,806 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 1,053,620 12,782 SH   SOLE   12,782 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 568,646 11,398 SH   SOLE   11,398 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 36,421,106 611,605 SH   SOLE   611,605 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 37,662,043 455,130 SH   SOLE   455,130 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 35,211,291 444,194 SH   SOLE   444,194 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 8,204,109 38,148 SH   SOLE   38,148 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 31,267,269 487,941 SH   SOLE   487,941 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 524,386 1,735 SH   SOLE   1,735 0 0