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 BBG001S5PQL7 285,207 1,300 SH   SOLE   0 0 1,300
APPLE INC COM 037833100 BBG001S5N8V8 1,212,076 4,840 SH   SOLE   0 0 4,840
ARMSTRONG WORLD INDS INC NEW COM 04247X102 BBG001SGL0H9 219,627 1,554 SH   SOLE   0 0 1,554
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 2,514,396 38,376 SH   SOLE   0 0 38,376
AT&T INC COM 00206R102 BBG001S5VWH2 452,978 19,894 SH   SOLE   0 0 19,894
BLACKSTONE INC COM 09260D107 BBG001S7H949 250,009 1,450 SH   SOLE   0 0 1,450
BROADCOM INC COM 11135F101 BBG00KHY5SY8 210,974 910 SH   SOLE   0 0 910
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 310,846 7,532 SH   SOLE   0 0 7,532
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 BBG01B92W7S9 207,899 6,275 SH   SOLE   0 0 6,275
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 5,913,816 225,804 SH   SOLE   0 0 225,804
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,190,025 45,403 SH   SOLE   0 0 45,403
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 214,453 8,453 SH   SOLE   0 0 8,453
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 1,097,742 42,981 SH   SOLE   0 0 42,981
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 BBG01B92VTS2 450,192 13,704 SH   SOLE   0 0 13,704
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 961,831 27,109 SH   SOLE   0 0 27,109
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 516,918 17,703 SH   SOLE   0 0 17,703
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 4,307,549 166,669 SH   SOLE   0 0 166,669
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 2,455,894 97,340 SH   SOLE   0 0 97,340
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 1,994,693 75,073 SH   SOLE   0 0 75,073
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 3,217,421 68,631 SH   SOLE   0 0 68,631
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625 BBG01J6LTBL5 400,499 6,242 SH   SOLE   0 0 6,242
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 15,094,044 436,370 SH   SOLE   0 0 436,370
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 6,228,987 184,344 SH   SOLE   0 0 184,344
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 303,303 10,100 SH   SOLE   0 0 10,100
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 2,345,301 57,314 SH   SOLE   0 0 57,314
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 396,527 17,040 SH   SOLE   0 0 17,040
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 5,215,705 169,451 SH   SOLE   0 0 169,451
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 BBG01B92NHL4 2,248,380 59,324 SH   SOLE   0 0 59,324
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 1,320,589 23,726 SH   SOLE   0 0 23,726
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 867,119 34,880 SH   SOLE   0 0 34,880
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 295,183 2,744 SH   SOLE   0 0 2,744
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 720,979 2,540 SH   SOLE   0 0 2,540
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 227,697 898 SH   SOLE   0 0 898
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 BBG00KJR1T91 242,532 4,840 SH   SOLE   0 0 4,840
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 204,823 4,137 SH   SOLE   0 0 4,137
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,893,405 25,112 SH   SOLE   0 0 25,112
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,645,435 21,481 SH   SOLE   0 0 21,481
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 322,018 3,323 SH   SOLE   0 0 3,323
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 3,020,065 49,713 SH   SOLE   0 0 49,713
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,334,248 25,429 SH   SOLE   0 0 25,429
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 6,400,633 84,653 SH   SOLE   0 0 84,653
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 2,222,582 6,899 SH   SOLE   0 0 6,899
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 5,399,243 13,445 SH   SOLE   0 0 13,445
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,574,525 19,308 SH   SOLE   0 0 19,308
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 2,643,627 9,185 SH   SOLE   0 0 9,185
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 3,888,923 23,688 SH   SOLE   0 0 23,688
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 692,689 5,465 SH   SOLE   0 0 5,465
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 278,469 2,153 SH   SOLE   0 0 2,153
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 2,327,378 10,533 SH   SOLE   0 0 10,533
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 3,156,657 9,444 SH   SOLE   0 0 9,444
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 594,400 3,114 SH   SOLE   0 0 3,114
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 249,671 2,367 SH   SOLE   0 0 2,367
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 235,032 2,164 SH   SOLE   0 0 2,164
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,861,566 17,471 SH   SOLE   0 0 17,471
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 410,855 2,841 SH   SOLE   0 0 2,841
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 392,141 1,636 SH   SOLE   0 0 1,636
MERCK & CO INC COM 58933Y105 BBG001S5TC52 520,678 5,234 SH   SOLE   0 0 5,234
MICROSOFT CORP COM 594918104 BBG001S5TD05 374,247 888 SH   SOLE   0 0 888
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 476,865 3,551 SH   SOLE   0 0 3,551
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 5,697,900 234,578 SH   SOLE   0 0 234,578
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 316,529 13,944 SH   SOLE   0 0 13,944
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 655,971 28,299 SH   SOLE   0 0 28,299
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 510,355 13,301 SH   SOLE   0 0 13,301
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 328,205 560 SH   SOLE   0 0 560
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,152,073 42,082 SH   SOLE   0 0 42,082
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 208,799 2,311 SH   SOLE   0 0 2,311
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 2,829,430 32,429 SH   SOLE   0 0 32,429
TMC THE METALS COMPANY INC COM 87261Y106 BBG00SMMWMN6 22,400 20,000 SH   SOLE   0 0 20,000
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 835,362 1,651 SH   SOLE   0 0 1,651
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 266,635 3,568 SH   SOLE   0 0 3,568
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 8,153,312 105,517 SH   SOLE   0 0 105,517
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 320,791 4,461 SH   SOLE   0 0 4,461
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 907,768 18,507 SH   SOLE   0 0 18,507
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 352,978 860 SH   SOLE   0 0 860
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 257,538 1,592 SH   SOLE   0 0 1,592
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 287,895 1,090 SH   SOLE   0 0 1,090
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,745,713 109,404 SH   SOLE   0 0 109,404
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 260,012 1,312 SH   SOLE   0 0 1,312
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 306,807 1,277 SH   SOLE   0 0 1,277
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 13,938,231 48,094 SH   SOLE   0 0 48,094
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 810,778 4,789 SH   SOLE   0 0 4,789
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 3,708,386 64,595 SH   SOLE   0 0 64,595
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,569,514 58,345 SH   SOLE   0 0 58,345
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,690,280 23,500 SH   SOLE   0 0 23,500
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 6,776,731 139,957 SH   SOLE   0 0 139,957
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,993,663 136,959 SH   SOLE   0 0 136,959
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,855,519 87,880 SH   SOLE   0 0 87,880
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 3,157,252 66,024 SH   SOLE   0 0 66,024
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 393,599 633 SH   SOLE   0 0 633