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   929,162 2,600 SH   SOLE   0 0 2,600
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,830,589 2,791 SH   SOLE   0 0 2,791
COCA-COLA EUROPACIFIC PARTNE SHS G25839104   221,055 2,209 SH   SOLE   0 0 2,209
SPDR SERIES TRUST ST STR SP TELCO 78464A540   2,226,445 9,787 SH   SOLE   0 0 9,787
MANNKIND CORP COM NEW 56400P706   77,187 18,119 SH   SOLE   0 0 18,119
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104   665,711 8,549 SH   SOLE   0 0 8,549
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663   1,348,116 14,711 SH   SOLE   0 0 14,711
SPOTIFY TECHNOLOGY S A SHS L8681T102   324,605 707 SH   SOLE   0 0 707
NORTHERN LTS FD TR IV INSPIRE CORP BD 66538H633   612,363 25,762 SH   SOLE   0 0 25,762
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   211,346 4,068 SH   SOLE   0 0 4,068
KEURIG DR PEPPER INC COM 49271V100   268,353 8,199 SH   SOLE   0 0 8,199
THE CIGNA GROUP COM 125523100   384,022 1,393 SH   SOLE   0 0 1,393
DELL TECHNOLOGIES INC CL C 24703L202   1,204,636 2,792 SH   SOLE   0 0 2,792
NORTHERN LTS FD TR IV INSPIRE SML/ MID 66538H641   250,535 5,011 SH   SOLE   0 0 5,011
GLOBAL X FDS ARTIFICIAL ETF 37954Y632   1,274,343 19,423 SH   SOLE   0 0 19,423
TRUIST FINL CORP COM 89832Q109   347,196 6,969 SH   SOLE   0 0 6,969
WALMART INC COM 931142103   1,009,644 132,850 SH   SOLE   0 0 132,850
CARRIER GLOBAL CORPORATION COM 14448C104   355,307 4,844 SH   SOLE   0 0 4,844
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   13,202,402 280,643,531 SH   SOLE   0 0 280,643,531
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,599,954 89,910,001 SH   SOLE   0 0 89,910,001
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,408,555 16,984,173 SH   SOLE   0 0 16,984,173
NORTHERN LTS FD TR IV INSPIRE INTL ETF 66538H419   312,208 8,188 SH   SOLE   0 0 8,188
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   231,449 5,561 SH   SOLE   0 0 5,561
WEST FRASER TIMBER CO LTD COM 952845105   295,196 4,361 SH   SOLE   0 0 4,361
SHELL PLC SPON ADS 780259305   624,972 8,060 SH   SOLE   0 0 8,060
NU HLDGS LTD ORD SHS CL A G6683N103   490,232 36,694 SH   SOLE   0 0 36,694
GSK PLC SPONSORED ADR 37733W204   383,610 7,318 SH   SOLE   0 0 7,318
HALEON PLC SPON ADS 405552100   197,647 21,184 SH   SOLE   0 0 21,184
NATWEST GROUP PLC SPONS ADR 639057207   303,659 17,224 SH   SOLE   0 0 17,224
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   200,199 4,439 SH   SOLE   0 0 4,439
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682   215,754 4,414 SH   SOLE   0 0 4,414
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   367,821 14,859,045 SH   SOLE   0 0 14,859,045
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666   220,910 5,587 SH   SOLE   0 0 5,587
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101   311,594 11,989 SH   SOLE   0 0 11,989
COOPER COS INC COM 216648501   366,868 5,116 SH   SOLE   0 0 5,116
NORTHERN LTS FD TR IV INSPIRE 500 ETF 66537J796   812,496 2,840 SH   SOLE   0 0 2,840
ETFIS SER TR I VIRTUS REAVES UT 26923G806   626,047 7,659 SH   SOLE   0 0 7,659
BLACKROCK INC COM 09290D101   358,662 373 SH   SOLE   0 0 373
LAM RESEARCH CORP COM NEW 512807306   529,096 1,221 SH   SOLE   0 0 1,221
BARRICK MNG CORP COM SHS 06849F108   259,865 7,075 SH   SOLE   0 0 7,075
HONEYWELL INTL INC COM 438516205   313,236 1,399 SH   SOLE   0 0 1,399
HONEYWELL AEROSPACE INC COM 43849R105   309,291 1,399 SH   SOLE   0 0 1,399
ALLSTATE CORP COM 020002101   342,158 1,438 SH   SOLE   0 0 1,438
APPLIED MATLS INC COM 038222105   729,507 1,009 SH   SOLE   0 0 1,009
BRISTOL-MYERS SQUIBB CO COM 110122108   512,645 8,897 SH   SOLE   0 0 8,897
AUTOMATIC DATA PROCESSING IN COM 053015103   464,248 2,073 SH   SOLE   0 0 2,073
UNITEDHEALTH GROUP INC COM 91324P102   1,502,502 3,615 SH   SOLE   0 0 3,615
BECTON DICKINSON & CO COM 075887109   271,335 1,793 SH   SOLE   0 0 1,793
EMERSON ELEC CO COM 291011104   484,276 3,383 SH   SOLE   0 0 3,383
PPG INDS INC COM 693506107   209,832 1,730 SH   SOLE   0 0 1,730
HARTFORD INSURANCE GROUP INC COM 416515104   234,295 1,768 SH   SOLE   0 0 1,768
CVS HEALTH CORP COM 126650100   625,252 6,044 SH   SOLE   0 0 6,044
WELLS FARGO & CO COM 949746101   916,560 11,091 SH   SOLE   0 0 11,091
AMAZON COM INC COM 023135106   1,083,017 4,544 SH   SOLE   0 0 4,544
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   2,398,075 12,587 SH   SOLE   0 0 12,587
HSBC HLDGS PLC SPON ADR NEW 404280406   808,836 8,506 SH   SOLE   0 0 8,506
UNITED PARCEL SVCS INC CL B 911312106   699,610 6,508 SH   SOLE   0 0 6,508
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100   1,168,136 2,446 SH   SOLE   0 0 2,446
APPLE INC COM 037833100   541,103 1,870 SH   SOLE   0 0 1,870
AMPHENOL CORP CL A 032095101   258,485 1,466 SH   SOLE   0 0 1,466
FIFTH THIRD BANCORP COM 316773100   313,925 5,569 SH   SOLE   0 0 5,569
FEDEX CORP COM 31428X106   370,433 1,183 SH   SOLE   0 0 1,183
EOG RES INC COM 26875P101   360,260 2,777 SH   SOLE   0 0 2,777
VERIZON COMMUNICATIONS INC COM 92343V104   670,200 15,829 SH   SOLE   0 0 15,829
CANADIAN NAT RES LTD MED TER COM 136385101   322,241 8,158 SH   SOLE   0 0 8,158
PNC FINL SVCS GROUP INC COM 693475105   471,511 1,915 SH   SOLE   0 0 1,915
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605   238,350 4,446 SH   SOLE   0 0 4,446
JPMORGAN CHASE & CO COM 46625H100   1,441,234 4,403 SH   SOLE   0 0 4,403
US BANCORP COM NEW 902973304   455,114 7,535 SH   SOLE   0 0 7,535
MOODYS CORP COM 615369105   202,002 446 SH   SOLE   0 0 446
M & T BK CORP COM 55261F104   280,852 1,180 SH   SOLE   0 0 1,180
PROGRESSIVE CORP COM 743315103   579,329 2,652 SH   SOLE   0 0 2,652
NVIDIA CORPORATION COM 67066G104   1,770,997 8,851 SH   SOLE   0 0 8,851
HUNTINGTON BANCSHARES INC COM 446150104   251,447 14,182 SH   SOLE   0 0 14,182
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   479,752 7,768 SH   SOLE   0 0 7,768
CUMMINS INC COM 231021106   465,726 653 SH   SOLE   0 0 653
NETEASE COM INC SPONSORED ADS 64110W102   340,340 2,656 SH   SOLE   0 0 2,656
AMETEK INC COM 031100100   418,556 1,730 SH   SOLE   0 0 1,730
INFOSYS LTD SPONSORED ADR 456788108   209,790 19,999 SH   SOLE   0 0 19,999
TORONTO DOMINION BK ONT COM NEW 891160509   599,986 4,941 SH   SOLE   0 0 4,941
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   342,367 58,725 SH   SOLE   0 0 58,725
BHP BILLITON LIMITED SPONSORED ADS 088606108   618,660 7,426 SH   SOLE   0 0 7,426
CINCINNATI FINL CORP COM 172062101   209,023 1,129 SH   SOLE   0 0 1,129
HEICO CORP NEW CL A 422806208   419,877 1,628 SH   SOLE   0 0 1,628
BANK MONTREAL MEDIUM COM 063671101   432,738 2,449 SH   SOLE   0 0 2,449
BANK OF AMER CORP COM 060505104   1,291,338 22,663 SH   SOLE   0 0 22,663
BERKLEY W R CORP COM 084423102   201,293 2,854 SH   SOLE   0 0 2,854
CADENCE DESIGN SYSTEM INC COM 127387108   230,071 613 SH   SOLE   0 0 613
ENI SPA SPONSORED ADR 26874R108   285,237 6,087 SH   SOLE   0 0 6,087
GILEAD SCIENCES INC COM 375558103   648,630 5,134 SH   SOLE   0 0 5,134
HOME DEPOT INC COM 437076102   1,126,107 3,193 SH   SOLE   0 0 3,193
MCDONALDS CORP COM 580135101   1,306,949 4,835 SH   SOLE   0 0 4,835
MICROSOFT CORP COM 594918104   1,397,333 3,746 SH   SOLE   0 0 3,746
NOVARTIS AG SPONSORED ADR 66987V109   863,527 5,510 SH   SOLE   0 0 5,510
QUALCOMM INC COM 747525103   734,540 3,975 SH   SOLE   0 0 3,975
ROLLINS INC COM 775711104   211,747 5,073 SH   SOLE   0 0 5,073
SLB LIMITED COM STK 806857108   331,939 7,140 SH   SOLE   0 0 7,140
TJX COS INC NEW COM 872540109   577,973 3,815 SH   SOLE   0 0 3,815
3M CO COM 88579Y101   452,700 2,796 SH   SOLE   0 0 2,796
CONOCOPHILLIPS COM 20825C104   563,151 5,417 SH   SOLE   0 0 5,417
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608   202,952 18,202 SH   SOLE   0 0 18,202
COMCAST CORP NEW CL A 20030N101   425,746 17,342 SH   SOLE   0 0 17,342
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   487,617 19,458 SH   SOLE   0 0 19,458
ISHARES TR CORE US AGGBD ET 464287226   3,509,336 35,455 SH   SOLE   0 0 35,455
VANGUARD WORLD FD INF TECH ETF 92204A702   9,565 160,322 SH   SOLE   0 0 160,322
MOLINA HEALTHCARE INC COM 60855R100   594,849 2,601 SH   SOLE   0 0 2,601
LAS VEGAS SANDS CORP COM 517834107   219,449 4,751 SH   SOLE   0 0 4,751
ISHARES TR US AER DEF ETF 464288760   649,201 2,678 SH   SOLE   0 0 2,678
MASTERCARD INCORPORATED CL A 57636Q104   900,341 1,753 SH   SOLE   0 0 1,753
ISHARES TR TRUST ISHARE 0-1 464288679   1,346,380 12,201 SH   SOLE   0 0 12,201
ISHARES TR MBS ETF 464288588   228,549 2,418 SH   SOLE   0 0 2,418
SPDR SERIES TRUST ST STR SP METAL 78464A755   211,614 1,979 SH   SOLE   0 0 1,979
MERCADOLIBRE INC COM 58733R102   332,688 196 SH   SOLE   0 0 196
SPDR SERIES TRUST ST STR SP BIOT 78464A870   1,750,720 11,063 SH   SOLE   0 0 11,063
VISA INC COM CL A 92826C839   864,244 2,519 SH   SOLE   0 0 2,519
NETAPP INC COM 64110D104   237,557 1,535 SH   SOLE   0 0 1,535
GRAPHIC PACKAGING HLDG CO COM 388689101   311,265 29,448 SH   SOLE   0 0 29,448
SPDR GOLD TR GOLD SHS 78463V107   1,102,561 2,993 SH   SOLE   0 0 2,993
ECOPETROL S A SPONSORED ADS 279158109   163,860 11,507 SH   SOLE   0 0 11,507
CRH PLC ORD G25508105   4,133,624 38,632 SH   SOLE   0 0 38,632
TOTALENERGIES SE ACT F92124100   519,359 6,679 SH   SOLE   0 0 6,679
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   287,083 2,307 SH   SOLE   0 0 2,307
MERCK & CO INC COM 58933Y105   1,158,171 9,013 SH   SOLE   0 0 9,013
CENOVUS ENERGY INC COM 15135U109   216,616 8,731 SH   SOLE   0 0 8,731
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   282,720 565 SH   SOLE   0 0 565
CITIGROUP INC COM NEW 172967424   894,344 6,390 SH   SOLE   0 0 6,390
CBRE GROUP INC CL A 12504L109   327,162 2,429 SH   SOLE   0 0 2,429
XYLEM INC COM 98419M100   208,522 1,764 SH   SOLE   0 0 1,764
NXP SEMICONDUCTORS N V COM N6596X109   526,650 1,874 SH   SOLE   0 0 1,874
META PLATFORMS INC CL A 30303M102   756,498 1,343 SH   SOLE   0 0 1,343
SERVICENOW INC COM 81762P102   403,375 4,063 SH   SOLE   0 0 4,063
MONDELEZ INTL INC CL A 609207105   397,245 6,868 SH   SOLE   0 0 6,868
TENET HEALTHCARE CORP COM NEW 88033G407   632,892 3,383 SH   SOLE   0 0 3,383
ASML HLDG NV N Y REGISTRY SHS N07059210   535,159 269 SH   SOLE   0 0 269
ABBVIE INC COM 00287Y109   1,433,090 5,695 SH   SOLE   0 0 5,695
T-MOBILE US INC COM 872590104   709,330 4,229 SH   SOLE   0 0 4,229
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   234,567 14,633 SH   SOLE   0 0 14,633
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,357,287 321,758 SH   SOLE   0 0 321,758
PROSHARES TR HGH YLD INT RATE 74348A541   5,986,979 16,364,825 SH   SOLE   0 0 16,364,825
SPDR SERIES TRUST ST STR SP AERO 78464A631   1,085,781 3,826 SH   SOLE   0 0 3,826
ELEVANCE HEALTH INC FORMERLY COM 036752103   1,056,933 2,733 SH   SOLE   0 0 2,733
MEDTRONIC PLC SHS G5960L103   356,729 4,560 SH   SOLE   0 0 4,560
PROSHARES TR INVT INT RT HG 74347B607   5,442,998 14,799,563 SH   SOLE   0 0 14,799,563
KRAFT HEINZ CO COM 500754106   215,320 9,116 SH   SOLE   0 0 9,116
ISHARES TR CORE MSCI EAFE 46432F842   1,200 124,293 SH   SOLE   0 0 124,293
SPDR SERIES TRUST ST STR P500ETF 78464A854   5,065 576,387 SH   SOLE   0 0 576,387
SCHWAB CHARLES CORP COM 808513105   672,313 72,563,649 SH   SOLE   0 0 72,563,649
AMES NATL CORP COM 031001100   249,997 8,443 SH   SOLE   0 0 8,443
DIREXION SHARES ETF TRUST DAI SEM BUL ETF 25459W458   257,375 965 SH   SOLE   0 0 965