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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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
ADOBE SYSTEMS INCORPORATED COM 00724F101   342,924 1,019 SH   SOLE   0 0 1,019
ALPHABET INC CAP STK CL A 02079K305   2,347,183 26,603 SH   SOLE   0 0 26,603
AMAZON COM INC COM 023135106   1,051,092 12,513 SH   SOLE   0 0 12,513
AMERISOURCEBERGEN CORP COM 03073E105   1,883,432 11,366 SH   SOLE   0 0 11,366
APPLE INC COM 037833100   459,546 3,537 SH   SOLE   0 0 3,537
AUTODESK INC COM 052769106   313,381 1,677 SH   SOLE   0 0 1,677
AUTOZONE INC COM 053332102   202,227 82 SH   SOLE   0 0 82
BARINGS BDC INC COM 06759L103   169,772 20,831 SH   SOLE   0 0 20,831
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE   0 0 1
BOOKING HOLDINGS INC COM 09857L108   1,487,277 738 SH   SOLE   0 0 738
CARMAX INC COM 143130102   849,355 13,949 SH   SOLE   0 0 13,949
CVS HEALTH CORP COM 126650100   597,744 6,414 SH   SOLE   0 0 6,414
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   871,895 35,910 SH   SOLE   0 0 35,910
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   224,863 10,061 SH   SOLE   0 0 10,061
DISNEY WALT CO COM 254687106   997,477 11,481 SH   SOLE   0 0 11,481
ECOLAB INC COM 278865100   380,494 2,614 SH   SOLE   0 0 2,614
ELEVANCE HEALTH INC COM 036752103   1,670,241 3,256 SH   SOLE   0 0 3,256
ENBRIDGE INC COM 29250N105   1,805,635 46,180 SH   SOLE   0 0 46,180
EXXON MOBIL CORP COM 30231G102   934,728 8,474 SH   SOLE   0 0 8,474
FIDELITY NATL INFORMATION SV COM 31620M106   1,052,853 15,517 SH   SOLE   0 0 15,517
FISERV INC COM 337738108   516,063 5,106 SH   SOLE   0 0 5,106
INVESCO QQQ TR UNIT SER 1 46090E103   500,340 1,879 SH   SOLE   0 0 1,879
IQVIA HLDGS INC COM 46266C105   2,196,626 10,721 SH   SOLE   0 0 10,721
ISHARES INC MSCI EMERG MRKT 464286533   1,827,688 34,452 SH   SOLE   0 0 34,452
ISHARES TR US TREAS BD ETF 46429B267   5,488,074 241,553 SH   SOLE   0 0 241,553
ISHARES TR JPMORGAN USD EMG 464288281   434,529 5,137 SH   SOLE   0 0 5,137
ISHARES TR U.S. ENERGY ETF 464287796   243,354 5,235 SH   SOLE   0 0 5,235
ISHARES TR U.S. TECH ETF 464287721   970,236 13,025 SH   SOLE   0 0 13,025
ISHARES TR CORE TOTAL USD 46434V613   6,876,676 153,053 SH   SOLE   0 0 153,053
ISHARES TR CORE S&P SCP ETF 464287804   549,321 5,804 SH   SOLE   0 0 5,804
ISHARES TR CONV BD ETF 46435G102   215,896 3,108 SH   SOLE   0 0 3,108
ISHARES TR TIPS BD ETF 464287176   1,010,457 9,493 SH   SOLE   0 0 9,493
ISHARES TR MSCI USA MIN VOL 46429B697   791,646 10,980 SH   SOLE   0 0 10,980
ISHARES TR 10-20 YR TRS ETF 464288653   758,682 7,013 SH   SOLE   0 0 7,013
ISHARES TR CORE S&P500 ETF 464287200   9,244,858 24,062 SH   SOLE   0 0 24,062
ISHARES TR US INFRASTRUC 46435U713   366,122 10,097 SH   SOLE   0 0 10,097
ISHARES TR EAFE GRWTH ETF 464288885   2,073,016 24,749 SH   SOLE   0 0 24,749
ISHARES TR MSCI USA MMENTM 46432F396   740,465 5,074 SH   SOLE   0 0 5,074
ISHARES TR 0-5YR HI YL CP 46434V407   1,733,063 42,384 SH   SOLE   0 0 42,384
ISHARES TR ISHS 1-5YR INVS 464288646   553,111 11,102 SH   SOLE   0 0 11,102
ISHARES TR EAFE VALUE ETF 464288877   2,928,798 63,836 SH   SOLE   0 0 63,836
ISHARES TR MBS ETF 464288588   3,687,414 39,756 SH   SOLE   0 0 39,756
ISHARES TR ESG AWR MSCI USA 46435G425   6,029,329 71,143 SH   SOLE   0 0 71,143
ISHARES TR FALN ANGLS USD 46435G474   414,748 16,853 SH   SOLE   0 0 16,853
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   346,657 12,297 SH   SOLE   0 0 12,297
LOCKHEED MARTIN CORP COM 539830109   482,193 991 SH   SOLE   0 0 991
LOWES COS INC COM 548661107   272,959 1,370 SH   SOLE   0 0 1,370
MARTIN MARIETTA MATLS INC COM 573284106   354,869 1,050 SH   SOLE   0 0 1,050
MASTERCARD INCORPORATED CL A 57636Q104   2,354,667 6,772 SH   SOLE   0 0 6,772
META PLATFORMS INC CL A 30303M102   836,483 6,951 SH   SOLE   0 0 6,951
MICROSOFT CORP COM 594918104   2,601,781 10,849 SH   SOLE   0 0 10,849
NETFLIX INC COM 64110L106   653,749 2,217 SH   SOLE   0 0 2,217
OWL ROCK CAPITAL CORPORATION COM 69121K104   122,511 10,607 SH   SOLE   0 0 10,607
SALESFORCE INC COM 79466L302   264,384 1,994 SH   SOLE   0 0 1,994
SCHWAB CHARLES CORP COM 808513105   1,151,448 13,830 SH   SOLE   0 0 13,830
SPDR GOLD TR GOLD SHS 78463V107   234,612 1,383 SH   SOLE   0 0 1,383
STARBUCKS CORP COM 855244109   268,634 2,708 SH   SOLE   0 0 2,708
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,038,333 13,939 SH   SOLE   0 0 13,939
UBER TECHNOLOGIES INC COM 90353T100   493,166 19,942 SH   SOLE   0 0 19,942
UNITEDHEALTH GROUP INC COM 91324P102   1,168,098 2,203 SH   SOLE   0 0 2,203
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   279,098 3,885 SH   SOLE   0 0 3,885
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   209,024 4,407 SH   SOLE   0 0 4,407
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   839,633 2,390 SH   SOLE   0 0 2,390
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,000,961 10,466 SH   SOLE   0 0 10,466
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,310,497 25,338 SH   SOLE   0 0 25,338
VISA INC COM CL A 92826C839   1,345,761 6,477 SH   SOLE   0 0 6,477