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
ADOBE INC COM 00724F101   848,124 1,638 SH   SOLE   3 0 1,635
ALPHABET INC CAP STK CL C 02079K107   1,678,420 10,039 SH   SOLE   0 0 10,039
ALPHABET INC CAP STK CL A 02079K305   338,997 2,044 SH   SOLE   50 0 1,994
ALTRIA GROUP INC COM 02209S103   275,171 5,391 SH   SOLE   0 0 5,391
AMAZON COM INC COM 023135106   1,330,210 7,139 SH   SOLE   70 0 7,069
AMERICAN CENTY ETF TR US EQT ETF 025072885   663,261 6,971 SH   SOLE   1 0 6,970
AMERICAN CENTY ETF TR US SML CP VALU 025072877   30,405,784 316,892 SH   SOLE   19,605 0 297,287
AMGEN INC COM 031162100   310,452 964 SH   SOLE   0 0 964
APPLE INC COM 037833100   16,903,556 72,547 SH   SOLE   107 0 72,440
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,831,059 6,151 SH   SOLE   6 0 6,145
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   31,219,932 631,088 SH   SOLE   45,793 0 585,295
BOOKING HOLDINGS INC COM 09857L108   690,788 164 SH   SOLE   1 0 163
BROADCOM INC COM 11135F101   802,470 4,652 SH   SOLE   31 0 4,621
CADENCE DESIGN SYSTEM INC COM 127387108   217,637 803 SH   SOLE   0 0 803
CATERPILLAR INC COM 149123101   231,886 593 SH   SOLE   2 0 591
CITIGROUP INC COM NEW 172967424   347,743 5,555 SH   SOLE   10 0 5,545
COCA COLA CO COM 191216100   341,694 4,755 SH   SOLE   106 0 4,649
DEXCOM INC COM 252131107   223,578 3,335 SH   SOLE   0 0 3,335
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,030,415 206,352 SH   SOLE   9,181 0 197,171
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   109,811,449 1,765,457 SH   SOLE   103,487 0 1,661,970
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   232,369 5,574 SH   SOLE   0 0 5,574
EA SERIES TRUST FREEDOM 100 EM 02072L607   17,147,768 479,256 SH   SOLE   19,681 0 459,575
ELEVANCE HEALTH INC COM 036752103   613,080 1,179 SH   SOLE   0 0 1,179
ELI LILLY & CO COM 532457108   1,588,490 1,793 SH   SOLE   4 0 1,789
EXXON MOBIL CORP COM 30231G102   395,079 3,370 SH   SOLE   29 0 3,341
FEDEX CORP COM 31428X106   254,249 929 SH   SOLE   1 0 928
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   369,713 7,910 SH   SOLE   152 0 7,758
FISERV INC COM 337738108   1,400,012 7,793 SH   SOLE   0 0 7,793
GE AEROSPACE COM NEW 369604301   708,495 3,757 SH   SOLE   9 0 3,748
GRAINGER W W INC COM 384802104   219,189 211 SH   SOLE   0 0 211
HOME DEPOT INC COM 437076102   664,300 1,639 SH   SOLE   4 0 1,635
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   361,449 16,230 SH   SOLE   16,230 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   224,580 3,131 SH   SOLE   1,546 0 1,585
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   260,799 2,877 SH   SOLE   0 0 2,877
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   216,363 4,083 SH   SOLE   1 0 4,082
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742   21,769,721 432,798 SH   SOLE   34,232 0 398,566
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,809,819 26,904 SH   SOLE   0 0 26,904
INVESCO QQQ TR UNIT SER 1 46090E103   985,670 2,020 SH   SOLE   0 0 2,020
ISHARES INC MSCI EMRG CHN 46434G764   6,091,439 99,680 SH   SOLE   7,184 0 92,496
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   316,974 15,094 SH   SOLE   0 0 15,094
ISHARES TR RUS 1000 GRW ETF 464287614   402,704 1,073 SH   SOLE   0 0 1,073
ISHARES TR RUS TP200 GR ETF 464289438   72,138,926 327,830 SH   SOLE   21,249 0 306,580
ISHARES TR MSCI INTL VLU FT 46435G409   582,993 19,742 SH   SOLE   452 0 19,290
ISHARES TR TRS FLT RT BD 46434V860   930,382 18,387 SH   SOLE   459 0 17,928
ISHARES TR US TREAS BD ETF 46429B267   2,332,572 99,470 SH   SOLE   5,395 0 94,075
ISHARES TR MSCI USA MMENTM 46432F396   201,532 994 SH   SOLE   51 0 943
ISHARES TR CORE MSCI TOTAL 46432F834   539,496 7,428 SH   SOLE   0 0 7,428
ISHARES TR CORE S&P500 ETF 464287200   4,442,476 7,702 SH   SOLE   3,391 0 4,311
ISHARES TR CORE TOTAL USD 46434V613   56,946,297 1,208,538 SH   SOLE   39,683 0 1,168,855
ISHARES TR CORE US AGGBD ET 464287226   1,744,578 17,227 SH   SOLE   0 0 17,227
ISHARES TR MSCI USA QLT FCT 46432F339   27,180,129 151,590 SH   SOLE   7,701 0 143,889
ISHARES TR RUSSELL 3000 ETF 464287689   8,231,337 25,193 SH   SOLE   963 0 24,230
ISHARES TR GLOBAL TECH ETF 464287291   787,501 9,542 SH   SOLE   0 0 9,542
ISHARES TR RUS 2000 GRW ETF 464287648   215,037 757 SH   SOLE   0 0 757
ISHARES TR INTERNATIONAL SL 46434V266   201,816 5,725 SH   SOLE   453 0 5,272
ISHARES TR MSCI USA MIN VOL 46429B697   603,817 6,613 SH   SOLE   157 0 6,455
ISHARES TR RUSSELL 2000 ETF 464287655   574,631 2,601 SH   SOLE   2,601 0 0
ISHARES TR EAFE VALUE ETF 464288877   311,467 5,414 SH   SOLE   0 0 5,414
ISHARES TR CORE S&P MCP ETF 464287507   728,521 11,690 SH   SOLE   0 0 11,690
J & J SNACK FOODS CORP COM 466032109   218,937 1,272 SH   SOLE   0 0 1,272
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   621,867 12,208 SH   SOLE   0 0 12,208
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   6,049,155 106,932 SH   SOLE   10,287 0 96,646
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   955,333 18,828 SH   SOLE   0 0 18,828
JOHNSON & JOHNSON COM 478160104   243,252 1,501 SH   SOLE   8 0 1,493
JPMORGAN CHASE & CO. COM 46625H100   597,466 2,833 SH   SOLE   16 0 2,817
LENNAR CORP CL A 526057104   836,348 4,461 SH   SOLE   0 0 4,461
LOWES COS INC COM 548661107   307,686 1,136 SH   SOLE   1 0 1,135
MASTERCARD INCORPORATED CL A 57636Q104   1,501,646 3,041 SH   SOLE   17 0 3,024
MERCK & CO INC COM 58933Y105   1,330,355 11,715 SH   SOLE   144 0 11,571
META PLATFORMS INC CL A 30303M102   1,452,280 2,537 SH   SOLE   14 0 2,523
MICROSOFT CORP COM 594918104   1,598,138 3,714 SH   SOLE   55 0 3,659
NETFLIX INC COM 64110L106   844,741 1,191 SH   SOLE   2 0 1,189
NVIDIA CORPORATION COM 67066G104   1,841,516 15,164 SH   SOLE   157 0 15,007
OREILLY AUTOMOTIVE INC COM 67103H107   210,743 183 SH   SOLE   0 0 183
PACER FDS TR US CASH COWS 100 69374H881   43,734,410 756,258 SH   SOLE   43,256 0 713,002
PALANTIR TECHNOLOGIES INC CL A 69608A108   279,930 7,525 SH   SOLE   0 0 7,525
PGIM ETF TR PGIM ULTRA SH BD 69344A107   1,080,929 21,714 SH   SOLE   466 0 21,248
PIMCO ETF TR ACTIVE BD ETF 72201R775   7,547,322 79,773 SH   SOLE   4,448 0 75,325
PIMCO ETF TR MULTISECTOR BD 72201R585   712,514 26,736 SH   SOLE   644 0 26,092
PROCTER AND GAMBLE CO COM 742718109   359,736 2,077 SH   SOLE   8 0 2,069
PROGRESSIVE CORP COM 743315103   244,117 962 SH   SOLE   2 0 960
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   49,718,004 982,569 SH   SOLE   32,118 0 950,451
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   200,183 6,203 SH   SOLE   0 0 6,203
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,897,688 46,150 SH   SOLE   0 0 46,150
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,741,122 191,538 SH   SOLE   0 0 191,538
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   263,236 1,166 SH   SOLE   0 0 1,166
SPDR GOLD TR GOLD SHS 78463V107   966,031 3,974 SH   SOLE   3,531 0 443
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   71,288,414 885,775 SH   SOLE   48,751 0 837,024
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,874,478 5,010 SH   SOLE   698 0 4,312
SPDR SER TR S&P DIVID ETF 78464A763   301,794 2,125 SH   SOLE   0 0 2,125
SPDR SER TR S&P 600 SMCP VAL 78464A300   354,052 4,078 SH   SOLE   0 0 4,078
STRYKER CORPORATION COM 863667101   246,018 681 SH   SOLE   0 0 681
SYNOPSYS INC COM 871607107   217,748 430 SH   SOLE   0 0 430
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   776,131 4,469 SH   SOLE   4 0 4,465
TELEFONICA S A SPONSORED ADR 879382208   68,055 14,003 SH   SOLE   0 0 14,003
UBER TECHNOLOGIES INC COM 90353T100   477,416 6,352 SH   SOLE   8 0 6,344
UNITEDHEALTH GROUP INC COM 91324P102   264,275 452 SH   SOLE   6 0 446
VANGUARD INDEX FDS TOTAL STK MKT 922908769   387,091 1,367 SH   SOLE   0 0 1,367
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,309,033 5,518 SH   SOLE   1,821 0 3,697
VANGUARD INDEX FDS VALUE ETF 922908744   4,078,386 23,362 SH   SOLE   932 0 22,430
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   365,407 1,501 SH   SOLE   0 0 1,501
VANGUARD INDEX FDS SM CP VAL ETF 922908611   235,826 1,175 SH   SOLE   0 0 1,175
VANGUARD INDEX FDS MID CAP ETF 922908629   386,247 1,464 SH   SOLE   1,271 0 193
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   593,932 1,126 SH   SOLE   28 0 1,098
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   327,945 1,956 SH   SOLE   0 0 1,956
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   29,554,835 626,029 SH   SOLE   18,127 0 607,902
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,895,176 49,054 SH   SOLE   3,265 0 45,789
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,142,228 14,382 SH   SOLE   872 0 13,510
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,124,810 21,299 SH   SOLE   9,588 0 11,711
WALMART INC COM 931142103   272,612 3,376 SH   SOLE   0 0 3,376
WELLS FARGO CO NEW COM 949746101   462,032 8,179 SH   SOLE   19 0 8,160