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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 304,119 1,540 SH   SOLE   0 0 1,540
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 487,154 2,969 SH   SOLE   0 0 2,969
AMAZON COM INC COM 023135106 BBG001S5PQL7 361,449 1,940 SH   SOLE   0 0 1,940
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 9,135,481 95,211 SH   SOLE   0 0 95,211
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 259,274 956 SH   SOLE   0 0 956
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 1,126,555 4,894 SH   SOLE   0 0 4,894
APPLE INC COM 037833100 BBG001S5N8V8 2,184,801 9,377 SH   SOLE   0 0 9,377
AT&T INC COM 00206R102 BBG001S5VWH2 505,171 22,962 SH   SOLE   0 0 22,962
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 966,546 2,100 SH   SOLE   0 0 2,100
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 BBG013VPCL11 35,235,865 656,914 SH   SOLE   295 0 656,619
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,938,391 4,956 SH   SOLE   0 0 4,956
COCA COLA CO COM 191216100 BBG001S5SMQ8 293,979 4,091 SH   SOLE   0 0 4,091
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 366,133 413 SH   SOLE   0 0 413
CSX CORP COM 126408103 BBG001S5Q7Q3 627,602 18,176 SH   SOLE   0 0 18,176
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 504,623 14,716 SH   SOLE   0 0 14,716
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 247,503 4,449 SH   SOLE   0 0 4,449
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 3,205,312 118,671 SH   SOLE   0 0 118,671
ECOLAB INC COM 278865100 BBG001S5QRB5 283,161 1,109 SH   SOLE   0 0 1,109
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 411,840 792 SH   SOLE   0 0 792
ELI LILLY & CO COM 532457108 BBG001S5STL8 221,550 250 SH   SOLE   0 0 250
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 544,688 4,647 SH   SOLE   0 0 4,647
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 BBG01K786JL8 273,297 8,827 SH   SOLE   0 0 8,827
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 41,286,346 883,319 SH   SOLE   0 0 883,319
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 BBG00GKQZJ13 8,503,918 152,674 SH   SOLE   0 0 152,674
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 598,406 3,173 SH   SOLE   0 0 3,173
HOME DEPOT INC COM 437076102 BBG001S5RTW7 245,981 607 SH   SOLE   0 0 607
INTUIT COM 461202103 BBG001S6TWR2 825,309 1,329 SH   SOLE   0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 207,985 1,776 SH   SOLE   0 0 1,776
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 228,430 1,275 SH   SOLE   0 0 1,275
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 920,368 1,886 SH   SOLE   0 0 1,886
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 771,359 9,883 SH   SOLE   0 0 9,883
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 34,500,884 553,609 SH   SOLE   0 0 553,609
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 24,863,296 212,579 SH   SOLE   0 0 212,579
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 525,651 4,184 SH   SOLE   0 0 4,184
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 14,920,569 25,867 SH   SOLE   0 0 25,867
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 630,392 13,378 SH   SOLE   0 0 13,378
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,487,934 41,690 SH   SOLE   0 0 41,690
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,058,083 15,629 SH   SOLE   0 0 15,629
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,302,280 57,401 SH   SOLE   0 0 57,401
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 206,308 2,451 SH   SOLE   0 0 2,451
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 398,119 9,520 SH   SOLE   0 0 9,520
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 1,256,338 47,071 SH   SOLE   0 0 47,071
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 1,655,402 27,944 SH   SOLE   0 0 27,944
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 469,698 10,242 SH   SOLE   0 0 10,242
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 405,151 3,366 SH   SOLE   0 0 3,366
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 9,259,666 85,240 SH   SOLE   0 0 85,240
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 620,260 1,973 SH   SOLE   0 0 1,973
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 466,028 1,241 SH   SOLE   0 0 1,241
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 252,529 2,637 SH   SOLE   0 0 2,637
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 289,832 2,729 SH   SOLE   0 0 2,729
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 41,375,917 857,710 SH   SOLE   0 0 857,710
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 262,291 5,149 SH   SOLE   0 0 5,149
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 270,799 1,671 SH   SOLE   0 0 1,671
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 840,699 3,987 SH   SOLE   0 0 3,987
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 436,600 747 SH   SOLE   0 0 747
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 385,658 781 SH   SOLE   0 0 781
MICROSOFT CORP COM 594918104 BBG001S5TD05 797,580 1,854 SH   SOLE   0 0 1,854
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 282,834 2,329 SH   SOLE   0 0 2,329
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 BBG0115QY0G8 7,172,189 189,040 SH   SOLE   0 0 189,040
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 557,811 4,604 SH   SOLE   0 0 4,604
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 BBG00TCBL6Q3 17,463 17,463 SH   SOLE   0 0 17,463
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 1,559,492 21,732 SH   SOLE   0 0 21,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 21,564,954 206,997 SH   SOLE   0 0 206,997
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 9,059,375 112,721 SH   SOLE   0 0 112,721
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,699,688 98,743 SH   SOLE   0 0 98,743
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 13,626,851 164,001 SH   SOLE   0 0 164,001
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,929,432 56,882 SH   SOLE   0 0 56,882
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 227,900 1,009 SH   SOLE   0 0 1,009
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 251,786 595 SH   SOLE   0 0 595
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 667,926 1,164 SH   SOLE   0 0 1,164
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 3,799,011 144,614 SH   SOLE   0 0 144,614
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 16,113,588 194,280 SH   SOLE   0 0 194,280
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 22,933,187 433,848 SH   SOLE   0 0 433,848
SPRINKLR INC CL A 85208T107 BBG0043NCD14 84,064 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 8,631,785 300,340 SH   SOLE   0 0 300,340
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 BBG00WGK8YP7 14,717,704 371,284 SH   SOLE   0 0 371,284
TEXAS CAP TEX EQUITY INDEX E GOVT MONEY MKT 88224A508 BBG01PZSL8V8 24,775 24,775 SH   SOLE   0 0 24,775
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 312,747 1,514 SH   SOLE   0 0 1,514
UNDER ARMOUR INC CL A 904311107 BBG001SJLLQ7 473,020 21,307 SH Call SOLE   0 0 21,307
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 233,428 399 SH   SOLE   0 0 399
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 35,721,262 368,450 SH   SOLE   0 0 368,450
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,332,242 3,470 SH   SOLE   0 0 3,470
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,851,466 7,018 SH   SOLE   0 0 7,018
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 556,981 1,056 SH   SOLE   0 0 1,056
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,735,666 7,317 SH   SOLE   0 0 7,317
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 859,196 3,034 SH   SOLE   0 0 3,034
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 302,281 1,732 SH   SOLE   0 0 1,732
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 282,586 5,351 SH   SOLE   0 0 5,351
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 354,463 7,893 SH   SOLE   0 0 7,893
VISA INC COM CL A 92826C839 BBG001SRCFY3 984,058 3,579 SH   SOLE   0 0 3,579