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
ALPHABET INC CAP STK CL A 02079K305   2,231,713 13,456 SH   SOLE   0 0 13,456
AMAZON COM INC COM 023135106   2,385,400 12,802 SH   SOLE   0 0 12,802
AMERICAN CENTY ETF TR US SML CP VALU 025072877   7,241,617 75,471 SH   SOLE   0 0 75,471
AMERICAN CENTY ETF TR AVANTIS US MID C 025072125   8,313,372 129,369 SH   SOLE   0 0 129,369
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,326,418 49,627 SH   SOLE   0 0 49,627
AMERICAN EXPRESS CO COM 025816109   1,172,256 4,319 SH   SOLE   0 0 4,319
APPLE INC COM 037833100   885,776 3,801 SH   SOLE   0 0 3,801
BIOGEN INC COM 09062X103   357,442 1,844 SH   SOLE   0 0 1,844
CHIPOTLE MEXICAN GRILL INC COM 169656105   822,179 14,269 SH   SOLE   0 0 14,269
CISCO SYS INC COM 17275R102   245,324 4,610 SH   SOLE   0 0 4,610
CITIGROUP INC COM NEW 172967424   453,990 7,253 SH   SOLE   0 0 7,253
COCA COLA CO COM 191216100   751,363 10,459 SH   SOLE   0 0 10,459
CONOCOPHILLIPS COM 20825C104   258,578 2,457 SH   SOLE   0 0 2,457
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   231,676 3,725 SH   SOLE   0 0 3,725
EXXON MOBIL CORP COM 30231G102   268,734 2,293 SH   SOLE   0 0 2,293
HOME DEPOT INC COM 437076102   228,401 563 SH   SOLE   0 0 563
INTERNATIONAL BUSINESS MACHS COM 459200101   1,007,794 4,558 SH   SOLE   0 0 4,558
INVESCO QQQ TR UNIT SER 1 46090E103   11,870,734 24,317 SH   SOLE   0 0 24,317
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   4,470,548 123,735 SH   SOLE   0 0 123,735
ISHARES TR RUS 1000 VAL ETF 464287598   10,547,641 55,568 SH   SOLE   0 0 55,568
ISHARES TR RUS 1000 GRW ETF 464287614   23,293,968 62,054 SH   SOLE   0 0 62,054
ISHARES TR CORE MSCI EAFE 46432F842   12,535,358 160,610 SH   SOLE   0 0 160,610
ISHARES TR CORE S&P500 ETF 464287200   61,664,321 106,904 SH   SOLE   0 0 106,904
ISHARES TR CORE S&P MCP ETF 464287507   18,597,969 298,424 SH   SOLE   0 0 298,424
ISHARES TR IBOXX HI YD ETF 464288513   553,990 6,899 SH   SOLE   0 0 6,899
ISHARES TR MSCI ACWI EX US 464288240   403,000 7,043 SH   SOLE   0 0 7,043
ISHARES TR NATIONAL MUN ETF 464288414   4,657,074 42,871 SH   SOLE   0 0 42,871
ISHARES TR S&P 500 GRWT ETF 464287309   231,008 2,413 SH   SOLE   0 0 2,413
ISHARES TR PFD AND INCM SEC 464288687   302,728 9,110 SH   SOLE   0 0 9,110
ISHARES TR CORE S&P SCP ETF 464287804   19,974,891 170,783 SH   SOLE   0 0 170,783
ISHARES TR 3 7 YR TREAS BD 464288661   4,993,163 41,749 SH   SOLE   0 0 41,749
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   6,366,723 124,255 SH   SOLE   0 0 124,255
JPMORGAN CHASE & CO. COM 46625H100   1,076,476 5,102 SH   SOLE   0 0 5,102
LOWES COS INC COM 548661107   753,306 2,781 SH   SOLE   0 0 2,781
MASTERCARD INCORPORATED CL A 57636Q104   650,908 1,316 SH   SOLE   0 0 1,316
META PLATFORMS INC CL A 30303M102   1,076,553 1,878 SH   SOLE   0 0 1,878
MICROSOFT CORP COM 594918104   4,912,210 11,416 SH   SOLE   0 0 11,416
MORGAN STANLEY COM NEW 617446448   336,649 3,230 SH   SOLE   0 0 3,230
NETFLIX INC COM 64110L106   944,749 1,332 SH   SOLE   0 0 1,332
NIKE INC CL B 654106103   492,389 5,568 SH   SOLE   0 0 5,568
NVIDIA CORPORATION COM 67066G104   1,970,945 16,227 SH   SOLE   0 0 16,227
PFIZER INC COM 717081103   424,378 14,663 SH   SOLE   0 0 14,663
PHILIP MORRIS INTL INC COM 718172109   202,385 1,667 SH   SOLE   0 0 1,667
PROCTER AND GAMBLE CO COM 742718109   834,653 4,817 SH   SOLE   0 0 4,817
PROGRESSIVE CORP COM 743315103   1,271,607 5,011 SH   SOLE   0 0 5,011
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,526,565 2,660 SH   SOLE   0 0 2,660
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,843,530 40,384 SH   SOLE   0 0 40,384
SPDR SER TR BLOOMBERG HIGH Y 78468R622   231,860 2,371 SH   SOLE   0 0 2,371
STARBUCKS CORP COM 855244109   576,274 5,909 SH   SOLE   0 0 5,909
STRYKER CORPORATION COM 863667101   297,614 822 SH   SOLE   0 0 822
TESLA INC COM 88160R101   561,459 2,146 SH   SOLE   0 0 2,146
TEXAS INSTRS INC COM 882508104   715,283 3,462 SH   SOLE   0 0 3,462
UNITEDHEALTH GROUP INC COM 91324P102   969,296 1,658 SH   SOLE   0 0 1,658
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,772,095 120,632 SH   SOLE   0 0 120,632
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,496,287 28,332 SH   SOLE   0 0 28,332
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   517,464 7,048 SH   SOLE   0 0 7,048
VERIZON COMMUNICATIONS INC COM 92343V104   847,444 18,871 SH   SOLE   0 0 18,871
VISA INC COM CL A 92826C839   708,208 2,573 SH   SOLE   0 0 2,573
WALMART INC COM 931142103   1,057,476 13,096 SH   SOLE   0 0 13,096