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
Estimated average burden
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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 2,651,360 33,443 SH   SOLE   0 0 33,443
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 260,191 2,581 SH   SOLE   0 0 2,581
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 682,527 7,492 SH   SOLE   0 0 7,492
APPLE INC COM 037833100 BBG001S5N8V8 3,066,602 14,947 SH   SOLE   0 0 14,947
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 BBG01Q9L3DJ3 530,784 18,398 SH   SOLE   0 0 18,398
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 BBG00NNWBWQ2 3,336,313 61,262 SH   SOLE   0 0 61,262
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 BBG01408D4M5 1,468,144 41,263 SH   SOLE   0 0 41,263
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 BBG00ZS43SF2 341,876 5,082 SH   SOLE   0 0 5,082
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 BBG01GQYLJY8 727,216 13,763 SH   SOLE   0 0 13,763
CSX CORP COM 126408103 BBG001S5Q7Q3 430,390 13,190 SH   SOLE   0 0 13,190
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 16,872,541 399,256 SH   SOLE   0 0 399,256
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 4,884,095 164,558 SH   SOLE   0 0 164,558
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 BBG017156DS5 391,873 13,995 SH   SOLE   0 0 13,995
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 359,345 11,982 SH   SOLE   0 0 11,982
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,037,014 35,821 SH   SOLE   0 0 35,821
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583 BBG01JXC18B3 223,732 4,106 SH   SOLE   0 0 4,106
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 BBG01JX91JD4 647,711 11,944 SH   SOLE   0 0 11,944
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 573,898 16,601 SH   SOLE   0 0 16,601
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 10,686,093 343,715 SH   SOLE   0 0 343,715
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 577,584 19,586 SH   SOLE   0 0 19,586
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 886,428 26,935 SH   SOLE   0 0 26,935
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 401,021 8,455 SH   SOLE   0 0 8,455
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 7,821,751 162,919 SH   SOLE   0 0 162,919
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 2,433,012 57,437 SH   SOLE   0 0 57,437
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625 BBG01J6LTBL5 675,452 10,104 SH   SOLE   0 0 10,104
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 27,682,317 772,386 SH   SOLE   0 0 772,386
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 9,262,559 260,477 SH   SOLE   0 0 260,477
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 354,217 11,419 SH   SOLE   0 0 11,419
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,669,096 71,146 SH   SOLE   0 0 71,146
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 9,003,799 305,939 SH   SOLE   0 0 305,939
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 5,025,602 99,974 SH   SOLE   0 0 99,974
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 15,676,385 341,340 SH   SOLE   0 0 341,340
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 278,292 1,195 SH   SOLE   0 0 1,195
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 605,867 1,097 SH   SOLE   0 0 1,097
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 591,734 9,489 SH   SOLE   0 0 9,489
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,214,684 36,893 SH   SOLE   0 0 36,893
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 214,617 3,399 SH   SOLE   0 0 3,399
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 1,291,855 12,715 SH   SOLE   0 0 12,715
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 869,092 17,011 SH   SOLE   0 0 17,011
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 797,659 9,555 SH   SOLE   0 0 9,555
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 361,016 2,673 SH   SOLE   0 0 2,673
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 7,286,959 11,736 SH   SOLE   0 0 11,736
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 6,051,396 130,898 SH   SOLE   0 0 130,898
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,891,470 16,888 SH   SOLE   0 0 16,888
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 4,036,866 63,593 SH   SOLE   0 0 63,593
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 777,975 5,750 SH   SOLE   0 0 5,750
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 262,930 4,157 SH   SOLE   0 0 4,157
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 998,982 10,640 SH   SOLE   0 0 10,640
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 319,296 9,708 SH   SOLE   0 0 9,708
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 919,151 3,825 SH   SOLE   0 0 3,825
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 4,426,385 24,212 SH   SOLE   0 0 24,212
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,213,382 11,614 SH   SOLE   0 0 11,614
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 2,445,954 8,037 SH   SOLE   0 0 8,037
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 3,617,460 32,856 SH   SOLE   0 0 32,856
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 2,786,631 14,260 SH   SOLE   0 0 14,260
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,136,179 10,684 SH   SOLE   0 0 10,684
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,442,188 8,323 SH   SOLE   0 0 8,323
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 1,509,491 6,904 SH   SOLE   0 0 6,904
MICROSOFT CORP COM 594918104 BBG001S5TD05 392,110 788 SH   SOLE   0 0 788
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 201,172 1,273 SH   SOLE   0 0 1,273
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 406,744 2,553 SH   SOLE   0 0 2,553
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 469,502 21,244 SH   SOLE   0 0 21,244
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 948,796 40,826 SH   SOLE   0 0 40,826
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 285,294 9,767 SH   SOLE   0 0 9,767
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 272,729 1,077 SH   SOLE   0 0 1,077
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 242,881 3,140 SH   SOLE   0 0 3,140
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 221,799 3,190 SH   SOLE   0 0 3,190
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,431,076 18,184 SH   SOLE   0 0 18,184
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 380,408 5,166 SH   SOLE   0 0 5,166
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 549,563 11,100 SH   SOLE   0 0 11,100
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,019,718 6,880 SH   SOLE   0 0 6,880
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 900,223 3,146 SH   SOLE   0 0 3,146
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 243,204 1,241 SH   SOLE   0 0 1,241
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 367,429 1,545 SH   SOLE   0 0 1,545
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 968,894 3,178 SH   SOLE   0 0 3,178
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,662,380 9,355 SH   SOLE   0 0 9,355
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 867,564 17,541 SH   SOLE   0 0 17,541
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 4,843,587 98,788 SH   SOLE   0 0 98,788
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 260,094 5,613 SH   SOLE   0 0 5,613
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 206,864 2,994 SH   SOLE   0 0 2,994
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,864,966 32,713 SH   SOLE   0 0 32,713
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 705,491 6,990 SH   SOLE   0 0 6,990
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 377,437 569 SH   SOLE   0 0 569