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
Estimated average burden
hours per response: 23.8
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
180 DEGREE CAP CORP COM NEW 68235B208   1,933,705 450,747 SH   SOLE   432,801 0 17,946
ASML HOLDING N V N Y REGISTRY SHS N07059210   251,352 259 SH   SOLE   212 0 47
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   31,684,148 1,002,346 SH   SOLE   912,427 0 89,919
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884   14,736,815 275,661 SH   SOLE   204,593 0 71,068
ISHARES TR CORE S&P500 ETF 464287200   2,478,066 4,714 SH   SOLE   3,470 0 1,244
ISHARES TR CORE S&P TTL STK 464287150   1,317,534 11,427 SH   SOLE   11,427 0 0
ISHARES TR CORE US AGGBD ET 464287226   1,011,329 10,326 SH   SOLE   10,326 0 0
ISHARES TR S&P SML 600 GWT 464287887   752,673 5,757 SH   SOLE   5,648 0 109
ISHARES TR RUS 1000 GRW ETF 464287614   390,978 1,160 SH   SOLE   641 0 519
LINDE PLC SHS G54950103   297,165 640 SH   SOLE   632 0 8
META PLATFORMS INC CL A 30303M102   306,911 632 SH   SOLE   606 0 26
PIMCO EQUITY SER RAFI DYN MULTI 72202L371   31,053,845 1,011,526 SH   SOLE   751,963 0 259,563
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   71,927,838 1,159,005 SH   SOLE   916,751 0 242,254
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   50,604,371 1,296,883 SH   SOLE   1,185,470 0 111,413
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   36,217,515 546,597 SH   SOLE   500,054 0 46,543
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   20,743,529 257,268 SH   SOLE   231,697 0 25,571
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   5,706,489 159,399 SH   SOLE   145,896 0 13,503
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,584,785 42,339 SH   SOLE   42,339 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,265,080 46,179 SH   SOLE   41,253 0 4,926
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   471,750 5,088 SH   SOLE   2,699 0 2,389
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   456,806 9,475 SH   SOLE   9,475 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   452,042 9,827 SH   SOLE   9,827 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   275,985 3,389 SH   SOLE   1,394 0 1,995
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   413,778 2,250 SH   SOLE   2,250 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   7,684,772 74,117 SH   SOLE   55,148 0 18,969
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   2,306,991 38,656 SH   SOLE   33,835 0 4,821
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   1,096,628 38,614 SH   SOLE   26,993 0 11,621
SPDR SER TR S&P 600 SMCP GRW 78464A201   8,135,002 93,259 SH   SOLE   68,902 0 24,357
SPDR SER TR PORTFOLIO S&P500 78464A854   742,975 12,075 SH   SOLE   8,888 0 3,187
SPDR SER TR PRTFLO S&P500 GW 78464A409   307,493 4,204 SH   SOLE   3,530 0 674
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   15,921,900 526,692 SH   SOLE   494,931 0 31,761
UNITED PARCEL SERVICE INC CL B 911312106   1,270,638 8,549 SH   SOLE   8,514 0 35
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   544,435 11,068 SH   SOLE   11,068 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   990,022 2,060 SH   SOLE   1,719 0 341
VANGUARD INDEX FDS TOTAL STK MKT 922908769   249,282 959 SH   SOLE   616 0 343
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   19,003,851 396,823 SH   SOLE   332,125 0 64,698
VANGUARD WORLD FD INF TECH ETF 92204A702   762,391 1,454 SH   SOLE   1,454 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   398,942 1,634 SH   SOLE   1,634 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   335,646 1,241 SH   SOLE   1,241 0 0
ZOETIS INC CL A 98978V103   306,440 1,811 SH   SOLE   1,522 0 289