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
ALPHABET INC CAP STK CL C 02079K107   1,286,516 10,635 SH   SOLE   0 0 10,635
AMAZON COM INC COM 023135106   385,605 2,958 SH   SOLE   0 0 2,958
AMERISOURCEBERGEN CORP COM 03073E105   494,738 2,571 SH   SOLE   0 0 2,571
APPLE INC COM 037833100   2,290,301 11,808 SH   SOLE   0 0 11,808
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   426,591 1,251 SH   SOLE   0 0 1,251
BOEING CO COM 097023105   330,613 1,566 SH   SOLE   0 0 1,566
BOOKING HOLDINGS INC COM 09857L108   456,356 169 SH   SOLE   0 0 169
CHEVRON CORP NEW COM 166764100   556,704 3,538 SH   SOLE   0 0 3,538
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,589,255 279,531 SH   SOLE   0 0 279,531
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,732,522 58,954 SH   SOLE   0 0 58,954
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,154,461 75,592 SH   SOLE   0 0 75,592
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,646,462 109,043 SH   SOLE   0 0 109,043
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,029,274 42,797 SH   SOLE   0 0 42,797
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   258,005 10,578 SH   SOLE   0 0 10,578
DTE ENERGY CO COM 233331107   279,341 2,539 SH   SOLE   0 0 2,539
EA SERIES TRUST STRIVE 500 ETF 02072L680   272,687 9,622 SH   SOLE   0 0 9,622
ELEVANCE HEALTH INC COM 036752103   275,460 620 SH   SOLE   0 0 620
ENBRIDGE INC COM 29250N105   336,505 9,058 SH   SOLE   0 0 9,058
EXXON MOBIL CORP COM 30231G102   3,800,296 35,434 SH   SOLE   0 0 35,434
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   1,775,044 13,587 SH   SOLE   0 0 13,587
HOME DEPOT INC COM 437076102   220,865 711 SH   SOLE   0 0 711
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   1,376,232 58,513 SH   SOLE   0 0 58,513
INVESCO QQQ TR UNIT SER 1 46090E103   220,981 598 SH   SOLE   0 0 598
IQVIA HLDGS INC COM 46266C105   555,407 2,471 SH   SOLE   0 0 2,471
ISHARES INC CORE MSCI EMKT 46434G103   2,444,830 49,601 SH   SOLE   0 0 49,601
ISHARES TR CORE MSCI TOTAL 46432F834   368,644 5,887 SH   SOLE   0 0 5,887
ISHARES TR 0-5YR HI YL CP 46434V407   586,393 14,147 SH   SOLE   0 0 14,147
ISHARES TR CORE TOTAL USD 46434V613   8,027,783 176,551 SH   SOLE   0 0 176,551
ISHARES TR CONV BD ETF 46435G102   339,306 4,444 SH   SOLE   0 0 4,444
ISHARES TR FALN ANGLS USD 46435G474   4,326,188 170,524 SH   SOLE   0 0 170,524
ISHARES TR ESG AWR MSCI USA 46435G425   21,255,113 218,091 SH   SOLE   0 0 218,091
ISHARES TR BROAD USD HIGH 46435U853   204,819 5,802 SH   SOLE   0 0 5,802
ISHARES TR US INFRASTRUC 46435U713   444,128 11,365 SH   SOLE   0 0 11,365
ISHARES TR IBONDS DEC 27 46435U283   299,677 11,956 SH   SOLE   0 0 11,956
ISHARES TR IBONDS DEC 28 46435U325   551,306 21,912 SH   SOLE   0 0 21,912
ISHARES TR MSCI USA MMENTM 46432F396   958,336 6,644 SH   SOLE   0 0 6,644
ISHARES TR MSCI USA SZE FT 46432F370   550,612 4,486 SH   SOLE   0 0 4,486
ISHARES TR MSCI USA VALUE 46432F388   2,406,682 25,660 SH   SOLE   0 0 25,660
ISHARES TR MSCI USA QLT FCT 46432F339   1,759,379 13,045 SH   SOLE   0 0 13,045
ISHARES TR CORE HIGH DV ETF 46429B663   410,805 4,076 SH   SOLE   0 0 4,076
ISHARES TR MSCI USA MIN VOL 46429B697   2,165,165 29,129 SH   SOLE   0 0 29,129
ISHARES TR US TREAS BD ETF 46429B267   8,487,919 370,652 SH   SOLE   0 0 370,652
ISHARES TR MSCI ACWI ETF 464288257   472,025 4,920 SH   SOLE   0 0 4,920
ISHARES TR SHRT NAT MUN ETF 464288158   385,676 3,707 SH   SOLE   0 0 3,707
ISHARES TR AGGRES ALLOC ETF 464289859   407,726 6,146 SH   SOLE   0 0 6,146
ISHARES TR MBS ETF 464288588   4,751,445 50,946 SH   SOLE   0 0 50,946
ISHARES TR U.S. MED DVC ETF 464288810   490,592 8,689 SH   SOLE   0 0 8,689
ISHARES TR ISHS 1-5YR INVS 464288646   735,191 14,654 SH   SOLE   0 0 14,654
ISHARES TR 10-20 YR TRS ETF 464288653   2,269,438 20,488 SH   SOLE   0 0 20,488
ISHARES TR NATIONAL MUN ETF 464288414   273,976 2,567 SH   SOLE   0 0 2,567
ISHARES TR JPMORGAN USD EMG 464288281   770,110 8,899 SH   SOLE   0 0 8,899
ISHARES TR CORE S&P SCP ETF 464287804   1,054,722 10,584 SH   SOLE   0 0 10,584
ISHARES TR CORE S&P500 ETF 464287200   1,569,281 3,521 SH   SOLE   0 0 3,521
ISHARES TR MSCI EAFE ETF 464287465   231,710 3,196 SH   SOLE   0 0 3,196
ISHARES TR GLOBAL FINLS ETF 464287333   618,177 8,641 SH   SOLE   0 0 8,641
ISHARES TR U.S. TECH ETF 464287721   1,634,037 15,009 SH   SOLE   0 0 15,009
ISHARES TR EAFE VALUE ETF 464288877   8,510,319 173,893 SH   SOLE   0 0 173,893
ISHARES TR EAFE GRWTH ETF 464288885   8,521,560 89,315 SH   SOLE   0 0 89,315
ISHARES TR CORE US AGGBD ET 464287226   357,126 3,646 SH   SOLE   0 0 3,646
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,163,313 44,777 SH   SOLE   0 0 44,777
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   285,421 5,721 SH   SOLE   0 0 5,721
JPMORGAN CHASE & CO COM 46625H100   242,158 1,665 SH   SOLE   0 0 1,665
LAM RESEARCH CORP COM 512807108   232,715 362 SH   SOLE   0 0 362
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102   653,026 24,811 SH   SOLE   0 0 24,811
LOWES COS INC COM 548661107   320,494 1,420 SH   SOLE   0 0 1,420
MASTERCARD INCORPORATED CL A 57636Q104   875,486 2,226 SH   SOLE   0 0 2,226
META PLATFORMS INC CL A 30303M102   481,839 1,679 SH   SOLE   0 0 1,679
MICROSOFT CORP COM 594918104   592,678 1,740 SH   SOLE   0 0 1,740
QUALCOMM INC COM 747525103   345,931 2,906 SH   SOLE   0 0 2,906
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,973,632 216,067 SH   SOLE   0 0 216,067
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,360,165 31,054 SH   SOLE   0 0 31,054
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,878,528 35,829 SH   SOLE   0 0 35,829
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   2,015,806 42,645 SH   SOLE   0 0 42,645
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,600,259 19,715 SH   SOLE   0 0 19,715
SOUTHERN CO COM 842587107   420,332 5,983 SH   SOLE   0 0 5,983
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   247,402 7,603 SH   SOLE   0 0 7,603
SPDR S&P 500 ETF TR TR UNIT 78462F103   245,577 554 SH   SOLE   0 0 554
SPDR SER TR PRTFLO S&P500 GW 78464A409   238,732 3,913 SH   SOLE   0 0 3,913
SPDR SER TR PORTFOLIO AGRGTE 78464A649   267,045 10,526 SH   SOLE   0 0 10,526
SPDR SER TR BLOOMBERG INTL T 78464A516   317,211 14,067 SH   SOLE   0 0 14,067
SPDR SER TR S&P OILGAS EXP 78468R556   202,134 1,569 SH   SOLE   0 0 1,569
SPDR SER TR PORTFOLIO INTRMD 78464A375   473,398 14,743 SH   SOLE   0 0 14,743
SPDR SER TR PORTFOLIO LN COR 78464A367   203,967 8,769 SH   SOLE   0 0 8,769
SPDR SER TR PORTFOLIO S&P500 78464A854   32,342,366 620,656 SH   SOLE   0 0 620,656
TRANSOCEAN LTD REG SHS H8817H100   405,171 57,799 SH   SOLE   0 0 57,799
UNITEDHEALTH GROUP INC COM 91324P102   328,277 683 SH   SOLE   0 0 683
VANGUARD INDEX FDS MID CAP ETF 922908629   298,977 1,358 SH   SOLE   0 0 1,358
VANGUARD INDEX FDS SM CP VAL ETF 922908611   298,712 1,806 SH   SOLE   0 0 1,806
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   207,061 5,090 SH   SOLE   0 0 5,090
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   625,236 6,447 SH   SOLE   0 0 6,447
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,648,065 22,459 SH   SOLE   0 0 22,459
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   423,748 9,176 SH   SOLE   0 0 9,176
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   273,448 2,578 SH   SOLE   0 0 2,578
VANGUARD WORLD FD MEGA GRWTH IND 921910816   690,900 2,936 SH   SOLE   0 0 2,936
VANGUARD WORLD FD MEGA CAP INDEX 921910873   450,542 2,880 SH   SOLE   0 0 2,880
VISA INC COM CL A 92826C839   400,866 1,688 SH   SOLE   0 0 1,688
VOYA GLBL EQTY DIV & PREM OP COM 92912T100   84,810 16,500 SH   SOLE   0 0 16,500
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,501,138 89,486 SH   SOLE   0 0 89,486
WP CAREY INC COM 92936U109   808,896 11,973 SH   SOLE   0 0 11,973