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   405,486 16,324 SH   SOLE   0 0 16,324
ABBVIE INC COM 00287Y109   240,941 1,054 SH   SOLE   0 0 1,054
ALPHABET INC CAP STK CL C 02079K107   574,374 1,830 SH   SOLE   0 0 1,830
ALPHABET INC CAP STK CL A 02079K305   2,239,206 7,154 SH   SOLE   0 0 7,154
AMAZON COM INC COM 023135106   2,529,556 10,959 SH   SOLE   0 0 10,959
AMERICAN CENTY ETF TR US EQT ETF 025072885   564,321 5,048 SH   SOLE   0 0 5,048
AMGEN INC COM 031162100   231,735 708 SH   SOLE   0 0 708
APPLE INC COM 037833100   9,330,687 34,322 SH   SOLE   0 0 34,322
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   465,957 927 SH   SOLE   0 0 927
CALAMOS ETF TR CEF INCOME & ARB 12811T407   219,495 7,616 SH   SOLE   0 0 7,616
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   428,870 18,943 SH   SOLE   0 0 18,943
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   852,326 32,139 SH   SOLE   0 0 32,139
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105   380,638 11,921 SH   SOLE   0 0 11,921
CHEVRON CORP NEW COM 166764100   268,380 1,761 SH   SOLE   0 0 1,761
CISCO SYS INC COM 17275R102   234,103 3,039 SH   SOLE   0 0 3,039
COCA COLA CONS INC COM 191098102   778,500 5,078 SH   SOLE   0 0 5,078
COCA COLA CO COM 191216100   237,975 3,404 SH   SOLE   0 0 3,404
COHEN & STEERS ETF TRUST REAL ESTATE ACTI 19249U104   314,537 12,328 SH   SOLE   0 0 12,328
COSTCO WHSL CORP NEW COM 22160K105   224,632 260 SH   SOLE   0 0 260
DTE ENERGY CO COM 233331107   597,345 4,631 SH   SOLE   0 0 4,631
DT MIDSTREAM INC COMMON STOCK 23345M107   279,453 2,335 SH   SOLE   0 0 2,335
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   15,169,638 399,201 SH   SOLE   0 0 399,201
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   247,333 7,520 SH   SOLE   0 0 7,520
DISNEY WALT CO COM 254687106   614,305 5,400 SH   SOLE   0 0 5,400
EQT CORP COM 26884L109   220,832 4,120 SH   SOLE   0 0 4,120
EXXON MOBIL CORP COM 30231G102   447,875 3,722 SH   SOLE   0 0 3,722
META PLATFORMS INC CL A 30303M102   1,040,314 1,576 SH   SOLE   0 0 1,576
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   207,134 2,899 SH   SOLE   0 0 2,899
FORD MTR CO COM 345370860   389,413 29,681 SH   SOLE   0 0 29,681
HOME DEPOT INC COM 437076102   312,099 907 SH   SOLE   0 0 907
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C532   365,600 9,223 SH   SOLE   0 0 9,223
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540   206,489 4,760 SH   SOLE   0 0 4,760
INNOVATOR ETFS TRUST EMERGING MKT PWR 45782C623   217,417 6,867 SH   SOLE   0 0 6,867
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   208,935 4,500 SH   SOLE   0 0 4,500
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285   205,908 7,046 SH   SOLE   0 0 7,046
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673   529,973 14,378 SH   SOLE   0 0 14,378
INNOVATOR ETFS TRUST POWER BUFFER SET 45783Y723   768,830 21,750 SH   SOLE   0 0 21,750
INVESCO QQQ TR UNIT SER 1 46090E103   423,189 689 SH   SOLE   0 0 689
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   219,666 3,706 SH   SOLE   0 0 3,706
ISHARES TR CORE S&P500 ETF 464287200   1,037,319 1,514 SH   SOLE   0 0 1,514
ISHARES TR MSCI EAFE ETF 464287465   232,134 2,417 SH   SOLE   0 0 2,417
ISHARES TR RUS MID CAP ETF 464287499   489,372 5,083 SH   SOLE   0 0 5,083
ISHARES TR CORE S&P MCP ETF 464287507   1,286,406 19,491 SH   SOLE   0 0 19,491
ISHARES TR RUS 1000 GRW ETF 464287614   267,415 565 SH   SOLE   0 0 565
ISHARES TR RUSSELL 2000 ETF 464287655   211,691 860 SH   SOLE   0 0 860
ISHARES TR RUSSELL 3000 ETF 464287689   523,147 1,352 SH   SOLE   0 0 1,352
ISHARES TR CORE S&P SCP ETF 464287804   203,104 1,690 SH   SOLE   0 0 1,690
JPMORGAN CHASE & CO. COM 46625H100   1,163,825 3,612 SH   SOLE   0 0 3,612
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   1,247,191 26,943 SH   SOLE   0 0 26,943
JOHNSON & JOHNSON COM 478160104   302,803 1,463 SH   SOLE   0 0 1,463
MASTERCARD INCORPORATED CL A 57636Q104   272,881 478 SH   SOLE   0 0 478
MICROSOFT CORP COM 594918104   4,900,824 10,134 SH   SOLE   0 0 10,134
NETFLIX INC COM 64110L106   438,797 4,680 SH   SOLE   0 0 4,680
NVIDIA CORPORATION COM 67066G104   1,014,034 5,437 SH   SOLE   0 0 5,437
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   383,016 7,595 SH   SOLE   0 0 7,595
PROSHARES TR ULTRPRO DOW30 74347X823   201,295 3,476 SH   SOLE   0 0 3,476
S&P GLOBAL INC COM 78409V104   340,206 651 SH   SOLE   0 0 651
SPDR S&P 500 ETF TR TR UNIT 78462F103   925,516 1,357 SH   SOLE   0 0 1,357
SPDR GOLD TR GOLD SHS 78463V107   301,196 760 SH   SOLE   0 0 760
SPDR SERIES TRUST STATE STREET SPD 78464A359   16,175,171 181,336 SH   SOLE   0 0 181,336
SPDR SERIES TRUST STATE STREET SPD 78464A854   834,288 10,400 SH   SOLE   0 0 10,400
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   260,014 431 SH   SOLE   0 0 431
SPDR SERIES TRUST STATE STREET SPD 78468R796   597,524 10,634 SH   SOLE   0 0 10,634
SPDR SERIES TRUST STATE STREET SPD 78468R853   340,204 7,260 SH   SOLE   0 0 7,260
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   235,323 4,663 SH   SOLE   0 0 4,663
SPDR INDEX SHS FDS MSCI EMR MKT ETF 78470E205   200,936 4,712 SH   SOLE   0 0 4,712
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,806,904 392,609 SH   SOLE   0 0 392,609
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,480,059 49,985 SH   SOLE   0 0 49,985
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   580,072 20,368 SH   SOLE   0 0 20,368
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   8,001,989 176,996 SH   SOLE   0 0 176,996
STRYKER CORPORATION COM 863667101   556,377 1,583 SH   SOLE   0 0 1,583
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   256,483 844 SH   SOLE   0 0 844
TESLA INC COM 88160R101   2,006,201 4,461 SH   SOLE   0 0 4,461
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,428,008 19,279 SH   SOLE   0 0 19,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   24,743,423 396,085 SH   SOLE   0 0 396,085
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   283,861 3,104 SH   SOLE   0 0 3,104
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,273,630 8,886 SH   SOLE   0 0 8,886
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   620,351 11,539 SH   SOLE   0 0 11,539
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   43,425,914 544,662 SH   SOLE   0 0 544,662
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,474,083 69,081 SH   SOLE   0 0 69,081
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,915,061 3,054 SH   SOLE   0 0 3,054
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   882,238 4,974 SH   SOLE   0 0 4,974
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   278,861 999 SH   SOLE   0 0 999
VANGUARD INDEX FDS SML CP GRW ETF 922908595   715,699 2,369 SH   SOLE   0 0 2,369
VANGUARD INDEX FDS MID CAP ETF 922908629   23,988,719 82,657 SH   SOLE   0 0 82,657
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,060,169 9,721 SH   SOLE   0 0 9,721
VANGUARD INDEX FDS GROWTH ETF 922908736   1,730,882 3,548 SH   SOLE   0 0 3,548
VANGUARD INDEX FDS SMALL CP ETF 922908751   371,448 1,440 SH   SOLE   0 0 1,440
VANGUARD INDEX FDS TOTAL STK MKT 922908769   223,400 666 SH   SOLE   0 0 666
VERTEX PHARMACEUTICALS INC COM 92532F100   309,192 682 SH   SOLE   0 0 682
VISA INC COM CL A 92826C839   252,476 720 SH   SOLE   0 0 720
WALMART INC COM 931142103   218,330 1,960 SH   SOLE   0 0 1,960