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 C 02079K107   789,316 4,145 SH   SOLE   0 0 4,145
ALPHABET INC CAP STK CL A 02079K305   816,327 4,312 SH   SOLE   0 0 4,312
AMAZON COM INC COM 023135106   792,218 3,611 SH   SOLE   0 0 3,611
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,037,954 62,046 SH   SOLE   0 0 62,046
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,189,525 12,272 SH   SOLE   0 0 12,272
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   21,221,777 317,834 SH   SOLE   0 0 317,834
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,707,769 48,770 SH   SOLE   0 0 48,770
APPLE INC COM 037833100   2,151,813 8,593 SH   SOLE   0 0 8,593
AT&T INC COM 00206R102   250,329 10,994 SH   SOLE   0 0 10,994
BANK AMERICA CORP COM 060505104   275,088 6,259 SH   SOLE   0 0 6,259
BLACKSTONE INC COM 09260D107   225,915 1,310 SH   SOLE   0 0 1,310
BOOKING HOLDINGS INC COM 09857L108   422,316 85 SH   SOLE   0 0 85
BROADCOM INC COM 11135F101   680,451 2,935 SH   SOLE   0 0 2,935
CHEVRON CORP NEW COM 166764100   268,968 1,857 SH   SOLE   0 0 1,857
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   12,208,907 481,234 SH   SOLE   0 0 481,234
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   3,485,424 138,146 SH   SOLE   0 0 138,146
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   666,481 16,287 SH   SOLE   0 0 16,287
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   382,571 15,389 SH   SOLE   0 0 15,389
EATON CORP PLC SHS G29183103   347,137 1,046 SH   SOLE   0 0 1,046
ELI LILLY & CO COM 532457108   373,726 484 SH   SOLE   0 0 484
EXXON MOBIL CORP COM 30231G102   500,130 4,649 SH   SOLE   0 0 4,649
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   509,356 5,800 SH   SOLE   0 0 5,800
GE AEROSPACE COM NEW 369604301   373,905 2,242 SH   SOLE   0 0 2,242
HOME DEPOT INC COM 437076102   206,613 531 SH   SOLE   0 0 531
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   793,312 38,417 SH   SOLE   0 0 38,417
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   691,270 29,964 SH   SOLE   0 0 29,964
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   799,419 32,616 SH   SOLE   0 0 32,616
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   288,963 14,872 SH   SOLE   0 0 14,872
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   447,288 18,977 SH   SOLE   0 0 18,977
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   210,040 8,900 SH   SOLE   0 0 8,900
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   5,459,291 31,155 SH   SOLE   0 0 31,155
ISHARES INC CORE MSCI EMKT 46434G103   413,165 7,912 SH   SOLE   0 0 7,912
ISHARES TR 0-5YR INVT GR CP 46434V100   22,674,527 455,861 SH   SOLE   0 0 455,861
ISHARES TR CORE MSCI EAFE 46432F842   549,941 7,825 SH   SOLE   0 0 7,825
ISHARES TR CORE MSCI TOTAL 46432F834   751,351 11,360 SH   SOLE   0 0 11,360
ISHARES TR CORE S&P MCP ETF 464287507   202,820 3,255 SH   SOLE   0 0 3,255
ISHARES TR CORE S&P SCP ETF 464287804   262,817 2,281 SH   SOLE   0 0 2,281
ISHARES TR CORE S&P TTL STK 464287150   822,268 6,393 SH   SOLE   0 0 6,393
ISHARES TR CORE S&P US GWT 464287671   17,018,816 122,130 SH   SOLE   0 0 122,130
ISHARES TR CORE S&P500 ETF 464287200   1,786,056 3,034 SH   SOLE   0 0 3,034
ISHARES TR CORE US AGGBD ET 464287226   14,008,737 144,569 SH   SOLE   0 0 144,569
ISHARES TR MBS ETF 464288588   7,527,112 82,102 SH   SOLE   0 0 82,102
ISHARES TR MRGSTR MD CP GRW 464288307   309,371 4,096 SH   SOLE   0 0 4,096
ISHARES TR NATIONAL MUN ETF 464288414   994,751 9,336 SH   SOLE   0 0 9,336
ISHARES TR RUS 1000 GRW ETF 464287614   523,259 1,303 SH   SOLE   0 0 1,303
ISHARES TR RUSSELL 2000 ETF 464287655   258,524 1,170 SH   SOLE   0 0 1,170
ISHARES TR S&P 500 GRWT ETF 464287309   232,707 2,292 SH   SOLE   0 0 2,292
ISHARES TR SHRT NAT MUN ETF 464288158   2,594,598 24,598 SH   SOLE   0 0 24,598
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   32,469,814 704,793 SH   SOLE   0 0 704,793
JPMORGAN CHASE & CO. COM 46625H100   1,141,382 4,762 SH   SOLE   0 0 4,762
MASTERCARD INCORPORATED CL A 57636Q104   245,382 466 SH   SOLE   0 0 466
MCDONALDS CORP COM 580135101   363,193 1,253 SH   SOLE   0 0 1,253
META PLATFORMS INC CL A 30303M102   504,159 861 SH   SOLE   0 0 861
MICRON TECHNOLOGY INC COM 595112103   211,410 2,512 SH   SOLE   0 0 2,512
MICROSOFT CORP COM 594918104   1,627,955 3,862 SH   SOLE   0 0 3,862
NVIDIA CORPORATION COM 67066G104   849,438 6,325 SH   SOLE   0 0 6,325
SCHWAB CHARLES CORP COM 808513105   424,892 5,741 SH   SOLE   0 0 5,741
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   413,192 15,516 SH   SOLE   0 0 15,516
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,833,145 963,954 SH   SOLE   0 0 963,954
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   711,373 31,338 SH   SOLE   0 0 31,338
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,955,239 256,913 SH   SOLE   0 0 256,913
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,837,087 138,473 SH   SOLE   0 0 138,473
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   725,946 28,072 SH   SOLE   0 0 28,072
SENTINELONE INC CL A 81730H109   222,777 10,035 SH   SOLE   0 0 10,035
SPDR S&P 500 ETF TR TR UNIT 78462F103   14,468,632 24,687 SH   SOLE   0 0 24,687
SPDR SER TR PORTFLI INTRMDIT 78464A672   21,617,428 775,374 SH   SOLE   0 0 775,374
SPDR SER TR PORTFOLI S&P1500 78464A805   29,343,016 410,794 SH   SOLE   0 0 410,794
SPDR SER TR PORTFOLIO S&P500 78464A854   2,443,510 35,444 SH   SOLE   0 0 35,444
SPDR SER TR PORTFOLIO S&P600 78468R853   3,794,438 84,471 SH   SOLE   0 0 84,471
STRYKER CORPORATION COM 863667101   322,578 896 SH   SOLE   0 0 896
UNITEDHEALTH GROUP INC COM 91324P102   405,194 801 SH   SOLE   0 0 801
VANGUARD INDEX FDS GROWTH ETF 922908736   1,227,216 2,990 SH   SOLE   0 0 2,990
VANGUARD INDEX FDS MID CAP ETF 922908629   1,332,272 5,044 SH   SOLE   0 0 5,044
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   219,941 408 SH   SOLE   0 0 408
VANGUARD INDEX FDS TOTAL STK MKT 922908769   342,556 1,182 SH   SOLE   0 0 1,182
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,747,684 39,684 SH   SOLE   0 0 39,684
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   375,840 6,480 SH   SOLE   0 0 6,480
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   15,404,668 264,776 SH   SOLE   0 0 264,776
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,520,649 19,493 SH   SOLE   0 0 19,493
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   214,951 4,495 SH   SOLE   0 0 4,495
VISA INC COM CL A 92826C839   319,833 1,012 SH   SOLE   0 0 1,012