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
AT&T INC COM 00206R102   459,548 16,273 SH   SOLE   0 0 16,273
ABBVIE INC COM 00287Y109   225,623 974 SH   SOLE   0 0 974
ALLSTATE CORP COM 020002101   205,205 956 SH   SOLE   0 0 956
ALPHABET INC CAP STK CL C 02079K107   437,022 1,794 SH   SOLE   0 0 1,794
ALPHABET INC CAP STK CL A 02079K305   1,709,963 7,034 SH   SOLE   0 0 7,034
AMAZON COM INC COM 023135106   2,392,654 10,897 SH   SOLE   0 0 10,897
AMERICAN CENTY ETF TR US EQT ETF 025072885   568,819 5,233 SH   SOLE   0 0 5,233
APPLE INC COM 037833100   9,451,136 37,117 SH   SOLE   0 0 37,117
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   476,346 948 SH   SOLE   0 0 948
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   380,764 16,759 SH   SOLE   0 0 16,759
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   847,743 31,894 SH   SOLE   0 0 31,894
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105   372,345 12,050 SH   SOLE   0 0 12,050
CHEVRON CORP NEW COM 166764100   272,946 1,758 SH   SOLE   0 0 1,758
CISCO SYS INC COM 17275R102   216,033 3,157 SH   SOLE   0 0 3,157
COCA COLA CONS INC COM 191098102   593,889 5,069 SH   SOLE   0 0 5,069
COCA COLA CO COM 191216100   224,543 3,386 SH   SOLE   0 0 3,386
COSTCO WHSL CORP NEW COM 22160K105   248,458 268 SH   SOLE   0 0 268
DTE ENERGY CO COM 233331107   655,005 4,631 SH   SOLE   0 0 4,631
DT MIDSTREAM INC COMMON STOCK 23345M107   263,995 2,335 SH   SOLE   0 0 2,335
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   9,087,673 254,628 SH   SOLE   0 0 254,628
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   246,760 7,750 SH   SOLE   0 0 7,750
DISNEY WALT CO COM 254687106   643,873 5,623 SH   SOLE   0 0 5,623
EQT CORP COM 26884L109   224,252 4,120 SH   SOLE   0 0 4,120
EXXON MOBIL CORP COM 30231G102   409,014 3,628 SH   SOLE   0 0 3,628
META PLATFORMS INC CL A 30303M102   1,157,393 1,576 SH   SOLE   0 0 1,576
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   220,353 2,899 SH   SOLE   0 0 2,899
FORD MTR CO COM 345370860   349,331 29,208 SH   SOLE   0 0 29,208
HOME DEPOT INC COM 437076102   375,611 927 SH   SOLE   0 0 927
HONEYWELL INTL INC COM 438516106   206,711 982 SH   SOLE   0 0 982
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   353,887 9,223 SH   SOLE   0 0 9,223
INNOVATOR ETFS TRUST EMERGING MKT PWR 45782C623   213,495 6,867 SH   SOLE   0 0 6,867
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   205,200 4,500 SH   SOLE   0 0 4,500
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285   200,106 7,046 SH   SOLE   0 0 7,046
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673   356,337 9,890 SH   SOLE   0 0 9,890
INNOVATOR ETFS TRUST POWER BUFFER SET 45783Y723   756,467 21,750 SH   SOLE   0 0 21,750
INVESCO QQQ TR UNIT SER 1 46090E103   440,329 733 SH   SOLE   0 0 733
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   213,144 3,706 SH   SOLE   0 0 3,706
ISHARES TR CORE S&P500 ETF 464287200   1,020,843 1,525 SH   SOLE   0 0 1,525
ISHARES TR S&P 500 GRWT ETF 464287309   420,357 3,482 SH   SOLE   0 0 3,482
ISHARES TR MSCI EAFE ETF 464287465   231,402 2,478 SH   SOLE   0 0 2,478
ISHARES TR RUS MID CAP ETF 464287499   519,481 5,380 SH   SOLE   0 0 5,380
ISHARES TR CORE S&P MCP ETF 464287507   1,228,193 18,820 SH   SOLE   0 0 18,820
ISHARES TR RUS 1000 GRW ETF 464287614   264,652 565 SH   SOLE   0 0 565
ISHARES TR RUSSELL 3000 ETF 464287689   720,656 1,902 SH   SOLE   0 0 1,902
JPMORGAN CHASE & CO. COM 46625H100   1,149,287 3,644 SH   SOLE   0 0 3,644
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   1,287,878 27,750 SH   SOLE   0 0 27,750
JOHNSON & JOHNSON COM 478160104   234,215 1,263 SH   SOLE   0 0 1,263
MASTERCARD INCORPORATED CL A 57636Q104   281,561 495 SH   SOLE   0 0 495
MICROSOFT CORP COM 594918104   5,773,107 11,146 SH   SOLE   0 0 11,146
NETFLIX INC COM 64110L106   473,573 395 SH   SOLE   0 0 395
NVIDIA CORPORATION COM 67066G104   1,006,650 5,395 SH   SOLE   0 0 5,395
ORACLE CORP COM 68389X105   239,165 850 SH   SOLE   0 0 850
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   309,488 6,120 SH   SOLE   0 0 6,120
S&P GLOBAL INC COM 78409V104   316,848 651 SH   SOLE   0 0 651
SPDR S&P 500 ETF TR TR UNIT 78462F103   857,521 1,287 SH   SOLE   0 0 1,287
SPDR GOLD TR GOLD SHS 78463V107   264,825 745 SH   SOLE   0 0 745
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   13,464,862 148,783 SH   SOLE   0 0 148,783
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   890,726 11,370 SH   SOLE   0 0 11,370
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   256,889 431 SH   SOLE   0 0 431
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796   516,961 9,425 SH   SOLE   0 0 9,425
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   336,283 7,260 SH   SOLE   0 0 7,260
SPDR INDEX SHS FDS MSCI EMR MKT ETF 78470E205   200,918 4,803 SH   SOLE   0 0 4,803
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   16,684,714 522,868 SH   SOLE   0 0 522,868
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,462,692 50,247 SH   SOLE   0 0 50,247
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   565,731 20,277 SH   SOLE   0 0 20,277
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   5,218,738 121,479 SH   SOLE   0 0 121,479
STRYKER CORPORATION COM 863667101   587,406 1,589 SH   SOLE   0 0 1,589
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   235,721 844 SH   SOLE   0 0 844
TESLA INC COM 88160R101   2,059,054 4,630 SH   SOLE   0 0 4,630
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,457,709 19,601 SH   SOLE   0 0 19,601
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,862,229 264,723 SH   SOLE   0 0 264,723
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   327,020 3,651 SH   SOLE   0 0 3,651
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,017,442 20,571 SH   SOLE   0 0 20,571
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,297,205 9,100 SH   SOLE   0 0 9,100
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   622,837 11,496 SH   SOLE   0 0 11,496
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   38,309,341 479,286 SH   SOLE   0 0 479,286
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,359,246 67,091 SH   SOLE   0 0 67,091
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,867,708 3,050 SH   SOLE   0 0 3,050
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   911,308 5,220 SH   SOLE   0 0 5,220
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   293,496 999 SH   SOLE   0 0 999
VANGUARD INDEX FDS SML CP GRW ETF 922908595   736,312 2,474 SH   SOLE   0 0 2,474
VANGUARD INDEX FDS MID CAP ETF 922908629   19,502,578 66,394 SH   SOLE   0 0 66,394
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,989,701 9,711 SH   SOLE   0 0 9,711
VANGUARD INDEX FDS GROWTH ETF 922908736   1,583,607 3,302 SH   SOLE   0 0 3,302
VANGUARD INDEX FDS SMALL CP ETF 922908751   321,918 1,266 SH   SOLE   0 0 1,266
VERTEX PHARMACEUTICALS INC COM 92532F100   267,098 682 SH   SOLE   0 0 682
VISA INC COM CL A 92826C839   259,756 761 SH   SOLE   0 0 761
WALMART INC COM 931142103   201,967 1,960 SH   SOLE   0 0 1,960