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
AMAZON COM INC COM 023135106   670,188 3,600 SH   SOLE   72 0 3,528
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,244,096 143,251 SH   SOLE   8,896 0 134,355
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   522,362 8,403 SH   SOLE   351 0 8,052
AMERICAN CENTY ETF TR US EQT ETF 025072885   3,347,388 38,577 SH   SOLE   8,225 0 30,352
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,676,216 41,370 SH   SOLE   3,023 0 38,347
AMERICAN TOWER CORP NEW COM 03027X100   328,832 1,835 SH   SOLE   0 0 1,835
AMGEN INC COM 031162100   1,067,033 3,992 SH   SOLE   35 0 3,957
APPLE INC COM 037833100   844,024 4,780 SH   SOLE   63 0 4,717
AUTODESK INC COM 052769106   448,709 1,893 SH   SOLE   46 0 1,847
BANK AMERICA CORP COM 060505104   527,365 14,732 SH   SOLE   363 0 14,369
BERKSHIRE HATHAWAY INC DEL CL A 084670108   608,091 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   923,869 2,291 SH   SOLE   0 0 2,291
BLACKROCK FLOATING RATE INCO COM 09255X100   436,278 33,820 SH   SOLE   0 0 33,820
BRISTOL-MYERS SQUIBB CO COM 110122108   604,562 12,522 SH   SOLE   0 0 12,522
CHEVRON CORP NEW COM 166764100   624,395 3,928 SH   SOLE   0 0 3,928
CHIMERA INVT CORP COM NEW 16934Q208   40,800 10,000 SH   SOLE   0 0 10,000
CISCO SYS INC COM 17275R102   509,800 10,513 SH   SOLE   228 0 10,285
COMCAST CORP NEW CL A 20030N101   417,872 10,611 SH   SOLE   853 0 9,758
DEERE & CO COM 244199105   466,348 1,173 SH   SOLE   28 0 1,145
DEVON ENERGY CORP NEW COM 25179M103   923,899 17,295 SH   SOLE   0 0 17,295
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   479,523 19,815 SH   SOLE   3,730 0 16,085
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   372,534 9,140 SH   SOLE   845 0 8,295
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   206,740 7,915 SH   SOLE   0 0 7,915
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   354,966 11,495 SH   SOLE   0 0 11,495
DISNEY WALT CO COM 254687106   366,314 3,213 SH   SOLE   0 0 3,213
DUKE ENERGY CORP NEW COM NEW 26441C204   809,782 8,533 SH   SOLE   0 0 8,533
EDISON INTL COM 281020107   544,236 7,930 SH   SOLE   0 0 7,930
EXTRA SPACE STORAGE INC COM 30225T102   576,126 4,095 SH   SOLE   0 0 4,095
GILEAD SCIENCES INC COM 375558103   388,135 5,702 SH   SOLE   0 0 5,702
GRANITESHARES PLATINUM TR SHS BEN INT 38748T103   104,393 11,000 SH   SOLE   0 0 11,000
HARTFORD FINL SVCS GROUP INC COM 416515104   564,324 5,771 SH   SOLE   133 0 5,638
HOME DEPOT INC COM 437076102   525,620 1,533 SH   SOLE   0 0 1,533
INTEL CORP COM 458140100   359,327 10,068 SH   SOLE   0 0 10,068
INVESCO QQQ TR UNIT SER 1 46090E103   3,845,479 8,774 SH   SOLE   447 0 8,327
ISHARES INC ASIA/PAC DIV ETF 464286293   608,124 16,995 SH   SOLE   0 0 16,995
ISHARES INC MSCI FRANCE ETF 464286707   827,651 20,895 SH   SOLE   0 0 20,895
ISHARES TR CORE INTL AGGR 46435G672   1,177,482 23,677 SH   SOLE   475 0 23,202
ISHARES TR INTL DEV RE ETF 464288489   257,784 12,680 SH   SOLE   0 0 12,680
ISHARES TR MSCI UK ETF NEW 46435G334   580,827 17,225 SH   SOLE   0 0 17,225
JPMORGAN CHASE & CO COM 46625H100   568,478 3,107 SH   SOLE   67 0 3,040
KIMCO RLTY CORP COM 49446R109   599,725 33,134 SH   SOLE   0 0 33,134
KLA CORP COM NEW 482480100   550,409 808 SH   SOLE   18 0 790
LAM RESEARCH CORP COM 512807108   560,213 585 SH   SOLE   12 0 573
LOWES COS INC COM 548661107   486,790 2,097 SH   SOLE   50 0 2,047
M & T BK CORP COM 55261F104   412,723 3,067 SH   SOLE   95 0 2,972
MCDONALDS CORP COM 580135101   417,823 1,562 SH   SOLE   39 0 1,523
MEDTRONIC PLC SHS G5960L103   1,207,799 15,073 SH   SOLE   141 0 14,932
MICROSOFT CORP COM 594918104   1,393,247 3,302 SH   SOLE   28 0 3,274
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   56,500 14,450 SH   SOLE   0 0 14,450
NEWMONT CORP COM 651639106   527,629 13,655 SH   SOLE   0 0 13,655
NGL ENERGY PARTNERS LP COM UNIT REPST 62913M107   60,000 10,000 SH   SOLE   0 0 10,000
NOVARTIS AG SPONSORED ADR 66987V109   589,644 6,305 SH   SOLE   0 0 6,305
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   191,040 13,675 SH   SOLE   0 0 13,675
NVIDIA CORPORATION COM 67066G104   696,670 790 SH   SOLE   0 0 790
NXP SEMICONDUCTORS N V COM N6596X109   451,390 1,931 SH   SOLE   54 0 1,877
OLIN CORP COM PAR $1 680665205   475,660 8,735 SH   SOLE   227 0 8,508
PACER FDS TR PACER US SMALL 69374H857   5,688,347 122,251 SH   SOLE   5,952 0 116,299
PRICE T ROWE GROUP INC COM 74144T108   490,709 4,260 SH   SOLE   0 0 4,260
SABA CAPITAL INCOME & OPPORT COM 880198106   399,651 107,145 SH   SOLE   0 0 107,145
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   10,540,427 303,234 SH   SOLE   15,453 0 287,781
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   21,375,622 232,419 SH   SOLE   11,020 0 221,399
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,132,554 26,221 SH   SOLE   1 0 26,220
SOUTHERN CO COM 842587107   754,135 10,972 SH   SOLE   0 0 10,972
SPDR GOLD TR GOLD SHS 78463V107   837,846 3,863 SH   SOLE   0 0 3,863
SPDR S&P 500 ETF TR TR UNIT 78462F103   576,750 1,129 SH   SOLE   0 0 1,129
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,429,413 49,736 SH   SOLE   6,431 0 43,305
SPDR SER TR PRTFLO S&P500 VL 78464A508   20,088,729 419,388 SH   SOLE   18,050 0 401,338
SPDR SER TR S&P BK ETF 78464A797   938,304 21,427 SH   SOLE   765 0 20,662
SPROTT PHYSICAL GOLD TR UNIT 85207H104   186,224 10,300 SH   SOLE   0 0 10,300
TARGA RES CORP COM 87612G101   617,310 5,382 SH   SOLE   124 0 5,258
TARGET CORP COM 87612E106   973,463 5,860 SH   SOLE   0 0 5,860
TOTALENERGIES SE SPONSORED ADS 89151E109   367,089 5,064 SH   SOLE   0 0 5,064
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,428,726 78,189 SH   SOLE   4,921 0 73,268
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   6,787,105 90,050 SH   SOLE   6,076 0 83,974
VERIZON COMMUNICATIONS INC COM 92343V104   873,522 21,992 SH   SOLE   829 0 21,163
WALGREENS BOOTS ALLIANCE INC COM 931427108   382,900 21,451 SH   SOLE   0 0 21,451
WISDOMTREE TR EMER MKT HIGH FD 97717W315   442,762 10,600 SH   SOLE   0 0 10,600