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   2,449,165 13,446 SH   SOLE   0 0 13,446
AMAZON COM INC COM 023135106   2,473,987 12,802 SH   SOLE   0 0 12,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,667,979 42,852 SH   SOLE   0 0 42,852
AMERICAN CENTY ETF TR US SML CP VALU 025072877   6,210,580 69,222 SH   SOLE   0 0 69,222
AMERICAN CENTY ETF TR AVANTIS US MID C 025072125   399,746 6,741 SH   SOLE   0 0 6,741
AMERICAN EXPRESS CO COM 025816109   998,279 4,311 SH   SOLE   0 0 4,311
APPLE INC COM 037833100   782,951 3,717 SH   SOLE   0 0 3,717
BIOGEN INC COM 09062X103   427,476 1,844 SH   SOLE   0 0 1,844
CHIPOTLE MEXICAN GRILL INC COM 169656105   892,763 14,250 SH   SOLE   0 0 14,250
CISCO SYS INC COM 17275R102   219,617 4,623 SH   SOLE   0 0 4,623
CITIGROUP INC COM NEW 172967424   465,104 7,329 SH   SOLE   0 0 7,329
COCA COLA CO COM 191216100   665,957 10,463 SH   SOLE   0 0 10,463
CONOCOPHILLIPS COM 20825C104   280,627 2,453 SH   SOLE   0 0 2,453
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   218,649 3,715 SH   SOLE   0 0 3,715
EXXON MOBIL CORP COM 30231G102   267,834 2,327 SH   SOLE   0 0 2,327
INTERNATIONAL BUSINESS MACHS COM 459200101   783,519 4,530 SH   SOLE   0 0 4,530
INVESCO QQQ TR UNIT SER 1 46090E103   11,035,388 23,033 SH   SOLE   0 0 23,033
ISHARES BITCOIN TR SHS 46438F101   4,199,596 123,011 SH   SOLE   0 0 123,011
ISHARES TR CORE MSCI EAFE 46432F842   11,630,920 160,117 SH   SOLE   0 0 160,117
ISHARES TR MSCI ACWI EX US 464288240   374,195 7,043 SH   SOLE   0 0 7,043
ISHARES TR CORE S&P SCP ETF 464287804   17,444,013 163,548 SH   SOLE   0 0 163,548
ISHARES TR PFD AND INCM SEC 464288687   287,424 9,110 SH   SOLE   0 0 9,110
ISHARES TR CORE S&P500 ETF 464287200   55,587,608 101,580 SH   SOLE   0 0 101,580
ISHARES TR RUS 1000 GRW ETF 464287614   21,277,689 58,373 SH   SOLE   0 0 58,373
ISHARES TR RUS 1000 VAL ETF 464287598   8,676,057 49,728 SH   SOLE   0 0 49,728
ISHARES TR 3 7 YR TREAS BD 464288661   4,484,344 38,836 SH   SOLE   0 0 38,836
ISHARES TR CORE S&P MCP ETF 464287507   16,505,400 282,047 SH   SOLE   0 0 282,047
ISHARES TR IBOXX HI YD ETF 464288513   532,189 6,899 SH   SOLE   0 0 6,899
ISHARES TR S&P 500 GRWT ETF 464287309   224,616 2,427 SH   SOLE   0 0 2,427
ISHARES TR NATIONAL MUN ETF 464288414   4,232,519 39,723 SH   SOLE   0 0 39,723
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   5,609,322 111,451 SH   SOLE   0 0 111,451
JPMORGAN CHASE & CO. COM 46625H100   1,034,936 5,117 SH   SOLE   0 0 5,117
LOWES COS INC COM 548661107   607,308 2,755 SH   SOLE   0 0 2,755
MASTERCARD INCORPORATED CL A 57636Q104   580,905 1,317 SH   SOLE   0 0 1,317
META PLATFORMS INC CL A 30303M102   939,466 1,863 SH   SOLE   0 0 1,863
MICROSOFT CORP COM 594918104   5,102,000 11,415 SH   SOLE   0 0 11,415
MORGAN STANLEY COM NEW 617446448   317,582 3,268 SH   SOLE   0 0 3,268
NETFLIX INC COM 64110L106   898,940 1,332 SH   SOLE   0 0 1,332
NIKE INC CL B 654106103   416,807 5,530 SH   SOLE   0 0 5,530
NVIDIA CORPORATION COM 67066G104   1,974,759 15,984 SH   SOLE   0 0 15,984
PFIZER INC COM 717081103   407,868 14,578 SH   SOLE   0 0 14,578
PROCTER AND GAMBLE CO COM 742718109   795,461 4,823 SH   SOLE   0 0 4,823
PROGRESSIVE CORP COM 743315103   1,040,493 5,009 SH   SOLE   0 0 5,009
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,443,397 2,652 SH   SOLE   0 0 2,652
SPDR SER TR BLOOMBERG HIGH Y 78468R622   223,514 2,371 SH   SOLE   0 0 2,371
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,624,648 40,384 SH   SOLE   0 0 40,384
STARBUCKS CORP COM 855244109   484,690 6,226 SH   SOLE   0 0 6,226
STRYKER CORPORATION COM 863667101   276,470 812 SH   SOLE   0 0 812
TESLA INC COM 88160R101   420,495 2,125 SH   SOLE   0 0 2,125
TEXAS INSTRS INC COM 882508104   669,650 3,442 SH   SOLE   0 0 3,442
UNITEDHEALTH GROUP INC COM 91324P102   848,128 1,665 SH   SOLE   0 0 1,665
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,961,957 113,391 SH   SOLE   0 0 113,391
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,027,749 20,796 SH   SOLE   0 0 20,796
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   482,999 7,048 SH   SOLE   0 0 7,048
VERIZON COMMUNICATIONS INC COM 92343V104   778,818 18,885 SH   SOLE   0 0 18,885
VISA INC COM CL A 92826C839   674,844 2,571 SH   SOLE   0 0 2,571
WALMART INC COM 931142103   884,437 13,062 SH   SOLE   0 0 13,062