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
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100   550,256 20,663 SH   SOLE   20,663 0 0
ALPHABET INC CAP STK CL C 02079K107   28,186 200 SH   SOLE   200 0 0
ALPHABET INC CAP STK CL A 02079K305   229,092 1,640 SH   SOLE   1,640 0 0
AMAZON COM INC COM 023135106   2,024,601 13,325 SH   SOLE   13,325 0 0
APPLE INC COM 037833100   3,648,058 18,948 SH   SOLE   18,948 0 0
COCA COLA CO COM 191216100   316,984 5,379 SH   SOLE   5,379 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   562,923 16,930 SH   SOLE   16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,255,406 43,834 SH   SOLE   43,834 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   11,449,815 474,899 SH   SOLE   474,899 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   48,756,896 940,708 SH   SOLE   940,708 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   542,184 9,094 SH   SOLE   9,094 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   326,295 13,500 SH   SOLE   13,500 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790   202,199 3,721 SH   SOLE   3,721 0 0
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   565,033 6,445 SH   SOLE   6,445 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   13,906,825 339,605 SH   SOLE   339,605 0 0
ISHARES GOLD TR ISHARES NEW 464285204   892,226 22,860 SH   SOLE   22,860 0 0
ISHARES INC MSCI BRAZIL ETF 464286400   519,121 14,849 SH   SOLE   14,849 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   493,621 7,696 SH   SOLE   7,696 0 0
ISHARES TR TIPS BD ETF 464287176   194,449 1,809 SH   SOLE   1,809 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,241,518 4,693 SH   SOLE   4,693 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,253,145 31,165 SH   SOLE   31,165 0 0
ISHARES TR S&P 500 VAL ETF 464287408   26,779 154 SH   SOLE   154 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,569,541 20,830 SH   SOLE   20,830 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,936,170 6,986 SH   SOLE   6,986 0 0
ISHARES TR ISHARES BIOTECH 464287556   473,437 3,485 SH   SOLE   3,485 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,075,502 6,846 SH   SOLE   6,846 0 0
ISHARES TR U.S. FINLS ETF 464287788   2,783,597 32,591 SH   SOLE   32,591 0 0
ISHARES TR CORE S&P SCP ETF 464287804   25,118,980 232,046 SH   SOLE   232,046 0 0
ISHARES TR US AER DEF ETF 464288760   434,998 3,436 SH   SOLE   3,436 0 0
ISHARES TR US OIL EQ&SV ETF 464288844   322,925 14,732 SH   SOLE   14,732 0 0
ISHARES TR EAFE GRWTH ETF 464288885   467,592 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842   39,615,601 563,122 SH   SOLE   563,122 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   362,337 14,453 SH   SOLE   14,453 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   815,441 16,158 SH   SOLE   16,158 0 0
OPKO HEALTH INC COM 68375N103   22,241 14,729 SH   SOLE   14,729 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,360,125 12,630 SH   SOLE   12,630 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   767,961 22,011 SH   SOLE   22,011 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   406,401 4,751 SH   SOLE   4,751 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,040,518 14,962 SH   SOLE   14,962 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,169,983 16,243 SH   SOLE   16,243 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,026,990 11,336 SH   SOLE   11,336 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,463,860 12,842 SH   SOLE   12,842 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,800,192 30,134 SH   SOLE   30,134 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,190,461 16,384 SH   SOLE   16,384 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   621,210 15,507 SH   SOLE   15,507 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   372,127 5,876 SH   SOLE   5,876 0 0
SPDR GOLD TR GOLD SHS 78463V107   830,251 4,343 SH   SOLE   4,343 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,165,606 8,729 SH   SOLE   8,729 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,087,643 28,384 SH   SOLE   28,384 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   42,819,315 866,088 SH   SOLE   866,088 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   293,530 672 SH   SOLE   672 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   279,129 3,159 SH   SOLE   3,159 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,421,223 7,897 SH   SOLE   7,897 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   64,572 296 SH   SOLE   296 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,181,481 19,601 SH   SOLE   19,601 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,207,536 27,884 SH   SOLE   27,884 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   18,206,543 442,982 SH   SOLE   442,982 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   9,660,396 189,234 SH   SOLE   189,234 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,993,242 119,891 SH   SOLE   119,891 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,152,511 14,772 SH   SOLE   14,772 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,271,916 17,534 SH   SOLE   17,534 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,796,111 28,146 SH   SOLE   28,146 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,429,097 29,835 SH   SOLE   29,835 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,969,600 17,644 SH   SOLE   17,644 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,005,207 8,571 SH   SOLE   8,571 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   101,432 740 SH   SOLE   740 0 0