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
AMAZON COM INC COM 023135106 BBG001S5PQL7 807,654 4,245 SH   SOLE   0 0 4,245
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 742,176 8,147 SH   SOLE   0 0 8,147
APPLE INC COM 037833100 BBG001S5N8V8 2,592,899 11,673 SH   SOLE   0 0 11,673
BROOKFIELD CORP CL A LTD VT SH 11271J107 BBG001SF86D7 377,771 7,208 SH   SOLE   0 0 7,208
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 310,589 8,666 SH   SOLE   0 0 8,666
DISNEY WALT CO COM 254687106 BBG001S5QHF3 209,651 2,124 SH   SOLE   0 0 2,124
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,921,907 2,327 SH   SOLE   0 0 2,327
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 410,071 3,448 SH   SOLE   0 0 3,448
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 307,885 891 SH   SOLE   0 0 891
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 2,603,060 125,873 SH   SOLE   0 0 125,873
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 3,375,664 172,934 SH   SOLE   0 0 172,934
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 BBG00KJR2L24 2,706,359 137,728 SH   SOLE   0 0 137,728
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 BBG00LNJW5P2 475,468 23,205 SH   SOLE   0 0 23,205
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 653,978 3,598 SH   SOLE   0 0 3,598
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 434,122 787 SH   SOLE   0 0 787
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 280,835 4,448 SH   SOLE   0 0 4,448
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 713,361 12,798 SH   SOLE   0 0 12,798
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 380,752 4,925 SH   SOLE   0 0 4,925
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 222,979 2,040 SH   SOLE   0 0 2,040
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 3,043,802 22,540 SH   SOLE   0 0 22,540
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 777,128 1,252 SH   SOLE   0 0 1,252
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 328,025 966 SH   SOLE   0 0 966
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 348,289 1,614 SH   SOLE   0 0 1,614
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 284,145 493 SH   SOLE   0 0 493
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,402,486 3,736 SH   SOLE   0 0 3,736
QXO INC COM NEW 82846H405 BBG001SCBW07 215,692 15,930 SH   SOLE   0 0 15,930
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 471,517 928 SH   SOLE   0 0 928
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 401,005 15,132 SH   SOLE   0 0 15,132
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 1,299,500 3,857 SH   SOLE   0 0 3,857
TYLER TECHNOLOGIES INC COM 902252105 BBG001S5WZB0 958,712 1,649 SH   SOLE   0 0 1,649
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 242,933 3,087 SH   SOLE   0 0 3,087
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 22,703,074 308,340 SH   SOLE   0 0 308,340
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 61,132,970 334,522 SH   SOLE   0 0 334,522
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,035,345 5,029 SH   SOLE   0 0 5,029
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 42,997,955 75,697 SH   SOLE   0 0 75,697
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 7,601,421 25,010 SH   SOLE   0 0 25,010
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 444,678 2,516 SH   SOLE   0 0 2,516
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 993,183 20,971 SH   SOLE   0 0 20,971
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 254,587 5,064 SH   SOLE   0 0 5,064
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,061,303 21,646 SH   SOLE   0 0 21,646
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 665,087 11,120 SH   SOLE   0 0 11,120
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 247,473 3,113 SH   SOLE   0 0 3,113
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 273,847 1,338 SH   SOLE   0 0 1,338
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 43,227,163 658,588 SH   SOLE   0 0 658,588
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 12,831,971 225,083 SH   SOLE   0 0 225,083
XPO INC COM 983793100 BBG001SJW3C0 628,698 5,844 SH   SOLE   0 0 5,844