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 SYSTEMS INCORPORATED COM 00724F101   480,942 1,248 SH   SOLE   0 0 1,248
ALPHABET INC CAP STK CL A 02079K305   2,675,819 25,796 SH   SOLE   0 0 25,796
AMAZON COM INC COM 023135106   1,386,255 13,421 SH   SOLE   0 0 13,421
AMERISOURCEBERGEN CORP COM 03073E105   1,866,260 11,656 SH   SOLE   0 0 11,656
APPLE INC COM 037833100   1,274,005 7,726 SH   SOLE   0 0 7,726
AUTODESK INC COM 052769106   348,252 1,673 SH   SOLE   0 0 1,673
AUTOZONE INC COM 053332102   201,568 82 SH   SOLE   0 0 82
BARINGS BDC INC COM 06759L103   354,600 44,660 SH   SOLE   0 0 44,660
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE   0 0 1
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   212,718 4,702 SH   SOLE   0 0 4,702
BOOKING HOLDINGS INC COM 09857L108   1,708,152 644 SH   SOLE   0 0 644
CARMAX INC COM 143130102   781,195 12,153 SH   SOLE   0 0 12,153
CVS HEALTH CORP COM 126650100   483,139 6,502 SH   SOLE   0 0 6,502
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   390,958 16,573 SH   SOLE   0 0 16,573
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   307,090 6,356 SH   SOLE   0 0 6,356
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,990,459 117,365 SH   SOLE   0 0 117,365
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   918,505 38,168 SH   SOLE   0 0 38,168
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   274,423 6,457 SH   SOLE   0 0 6,457
DISNEY WALT CO COM 254687106   930,007 9,288 SH   SOLE   0 0 9,288
ECOLAB INC COM 278865100   447,437 2,703 SH   SOLE   0 0 2,703
ELEVANCE HEALTH INC COM 036752103   1,488,448 3,237 SH   SOLE   0 0 3,237
ENBRIDGE INC COM 29250N105   1,647,292 43,179 SH   SOLE   0 0 43,179
EXXON MOBIL CORP COM 30231G102   658,132 6,002 SH   SOLE   0 0 6,002
FIDELITY NATL INFORMATION SV COM 31620M106   897,016 16,511 SH   SOLE   0 0 16,511
FISERV INC COM 337738108   534,180 4,726 SH   SOLE   0 0 4,726
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   381,366 31,967 SH   SOLE   0 0 31,967
INVESCO QQQ TR UNIT SER 1 46090E103   1,715,692 5,346 SH   SOLE   0 0 5,346
IQVIA HLDGS INC COM 46266C105   2,005,408 10,083 SH   SOLE   0 0 10,083
ISHARES INC CORE MSCI EMKT 46434G103   2,290,056 46,937 SH   SOLE   0 0 46,937
ISHARES INC ESG AWR MSCI EM 46434G863   237,234 7,536 SH   SOLE   0 0 7,536
ISHARES TR CORE TOTAL USD 46434V613   11,324,329 245,381 SH   SOLE   0 0 245,381
ISHARES TR CORE S&P SCP ETF 464287804   506,696 5,240 SH   SOLE   0 0 5,240
ISHARES TR U.S. TECH ETF 464287721   1,160,505 12,504 SH   SOLE   0 0 12,504
ISHARES TR JPMORGAN USD EMG 464288281   1,209,884 14,023 SH   SOLE   0 0 14,023
ISHARES TR MSCI KLD400 SOC 464288570   236,310 3,030 SH   SOLE   0 0 3,030
ISHARES TR US TREAS BD ETF 46429B267   2,535,923 108,465 SH   SOLE   0 0 108,465
ISHARES TR ESG AWR MSCI USA 46435G425   5,605,887 61,978 SH   SOLE   0 0 61,978
ISHARES TR 10-20 YR TRS ETF 464288653   1,732,892 15,129 SH   SOLE   0 0 15,129
ISHARES TR ESG MSCI USA ETF 46436E767   241,676 7,308 SH   SOLE   0 0 7,308
ISHARES TR MSCI USA MIN VOL 46429B697   1,071,426 14,730 SH   SOLE   0 0 14,730
ISHARES TR CORE S&P500 ETF 464287200   9,197,187 22,373 SH   SOLE   0 0 22,373
ISHARES TR US INFRASTRUC 46435U713   369,355 9,897 SH   SOLE   0 0 9,897
ISHARES TR EAFE GRWTH ETF 464288885   2,800,327 29,892 SH   SOLE   0 0 29,892
ISHARES TR MSCI USA MMENTM 46432F396   792,166 5,697 SH   SOLE   0 0 5,697
ISHARES TR 0-5YR HI YL CP 46434V407   1,890,412 45,355 SH   SOLE   0 0 45,355
ISHARES TR FALN ANGLS USD 46435G474   475,123 18,802 SH   SOLE   0 0 18,802
ISHARES TR EAFE VALUE ETF 464288877   2,837,018 58,459 SH   SOLE   0 0 58,459
ISHARES TR MBS ETF 464288588   4,713,519 49,757 SH   SOLE   0 0 49,757
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   40,897 17,628 SH   SOLE   0 0 17,628
LOCKHEED MARTIN CORP COM 539830109   512,046 1,083 SH   SOLE   0 0 1,083
LOWES COS INC COM 548661107   226,766 1,134 SH   SOLE   0 0 1,134
MARTIN MARIETTA MATLS INC COM 573284106   368,197 1,037 SH   SOLE   0 0 1,037
MASTERCARD INCORPORATED CL A 57636Q104   2,388,186 6,572 SH   SOLE   0 0 6,572
META PLATFORMS INC CL A 30303M102   1,235,822 5,831 SH   SOLE   0 0 5,831
MICROSOFT CORP COM 594918104   3,105,880 10,773 SH   SOLE   0 0 10,773
NETFLIX INC COM 64110L106   695,797 2,014 SH   SOLE   0 0 2,014
OWL ROCK CAPITAL CORPORATION COM 69121K104   231,305 18,343 SH   SOLE   0 0 18,343
SALESFORCE INC COM 79466L302   377,784 1,891 SH   SOLE   0 0 1,891
SCHWAB CHARLES CORP COM 808513105   749,316 14,305 SH   SOLE   0 0 14,305
SPDR GOLD TR GOLD SHS 78463V107   262,371 1,432 SH   SOLE   0 0 1,432
STARBUCKS CORP COM 855244109   336,652 3,233 SH   SOLE   0 0 3,233
STRATEGY SHS NS 7HANDL IDX 86280R506   264,669 13,083 SH   SOLE   0 0 13,083
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,249,033 13,428 SH   SOLE   0 0 13,428
TESLA INC COM 88160R101   288,369 1,390 SH   SOLE   0 0 1,390
UBER TECHNOLOGIES INC COM 90353T100   468,209 14,770 SH   SOLE   0 0 14,770
UNITEDHEALTH GROUP INC COM 91324P102   1,052,110 2,226 SH   SOLE   0 0 2,226
USIO INC COM 917313108   41,168 23,660 SH   SOLE   0 0 23,660
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,029,199 5,396 SH   SOLE   0 0 5,396
VANGUARD INDEX FDS SMALL CP ETF 922908751   436,746 2,304 SH   SOLE   0 0 2,304
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,225,062 10,902 SH   SOLE   0 0 10,902
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,337,369 24,223 SH   SOLE   0 0 24,223
VISA INC COM CL A 92826C839   1,407,463 6,243 SH   SOLE   0 0 6,243
WELLS FARGO CO NEW COM 949746101   232,952 6,232 SH   SOLE   0 0 6,232