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
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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
AMAZON COM INC COM 023135106   223,437 1,714 SH   SOLE   0 0 1,714
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   5,461,044 119,681 SH   SOLE   0 0 119,681
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   16,624,585 311,613 SH   SOLE   0 0 311,614
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   6,385,751 131,313 SH   SOLE   0 0 131,313
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   10,473,553 194,639 SH   SOLE   0 0 194,640
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   14,173,141 246,918 SH   SOLE   0 0 246,919
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   529,552 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   29,190,398 388,221 SH   SOLE   0 0 388,222
ANALOG DEVICES INC COM 032654105   311,696 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   1,024,458 5,281 SH   SOLE   0 0 5,282
BANK AMERICA CORP COM 060505104   484,962 16,903 SH   SOLE   0 0 16,904
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   531,672 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109   207,070 1,302 SH   SOLE   0 0 1,302
COCA COLA CO COM 191216100   348,321 5,784 SH   SOLE   0 0 5,784
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   283,556 12,086 SH   SOLE   0 0 12,087
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,187,523 66,186 SH   SOLE   0 0 66,186
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,015,187 18,525 SH   SOLE   0 0 18,525
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,474,377 31,782 SH   SOLE   0 0 31,782
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,154,046 300,333 SH   SOLE   0 0 300,333
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,871,952 54,259 SH   SOLE   0 0 54,259
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   8,464,107 345,756 SH   SOLE   0 0 345,756
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   4,295,692 188,242 SH   SOLE   0 0 188,242
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,061,737 266,079 SH   SOLE   0 0 266,079
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,256,622 26,383 SH   SOLE   0 0 26,383
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   504,064 21,624 SH   SOLE   0 0 21,624
FACTSET RESH SYS INC COM 303075105   447,927 1,118 SH   SOLE   0 0 1,118
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   612,560 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   1,530,993 83,478 SH   SOLE   0 0 83,478
ISHARES TR RUS MD CP GR ETF 464287481   236,744 2,450 SH   SOLE   0 0 2,450
JPMORGAN CHASE & CO COM 46625H100   331,650 2,280 SH   SOLE   0 0 2,280
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   275,599 4,981 SH   SOLE   0 0 4,981
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,349,923 145,112 SH   SOLE   0 0 145,112
JOHNSON & JOHNSON COM 478160104   485,424 2,932 SH   SOLE   0 0 2,933
LILLY ELI & CO COM 532457108   290,299 619 SH   SOLE   0 0 619
MICROSOFT CORP COM 594918104   907,541 2,665 SH   SOLE   0 0 2,665
PEPSICO INC COM 713448108   573,421 3,095 SH   SOLE   0 0 3,096
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,189,853 124,971 SH   SOLE   0 0 124,972
SPDR S&P 500 ETF TR TR UNIT 78462F103   939,807 2,120 SH   SOLE   0 0 2,120
SPDR SER TR BLOOMBERG INVT 78468R200   4,981,188 162,306 SH   SOLE   0 0 162,307
SCHWAB STRATEGIC TR US REIT ETF 808524847   278,640 14,267 SH   SOLE   0 0 14,267
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   870,831 18,119 SH   SOLE   0 0 18,120
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,051,488 20,055 SH   SOLE   0 0 20,055
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   368,716 2,270 SH   SOLE   0 0 2,270
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,010,384 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   6,296,393 84,041 SH   SOLE   0 0 84,042
VANGUARD BD INDEX FDS INTERMED TERM 921937819   14,834,495 197,188 SH   SOLE   0 0 197,189
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,605,530 140,340 SH   SOLE   0 0 140,340
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   820,619 11,289 SH   SOLE   0 0 11,289
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,177,725 25,502 SH   SOLE   0 0 25,503
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   14,046,142 285,722 SH   SOLE   0 0 285,723
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   338,820 8,430 SH   SOLE   0 0 8,430
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,861,100 32,238 SH   SOLE   0 0 32,238
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,357,643 29,520 SH   SOLE   0 0 29,520
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,825,534 96,087 SH   SOLE   0 0 96,088
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,307,234 5,664 SH   SOLE   0 0 5,665
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,131,510 25,508 SH   SOLE   0 0 25,509
VANGUARD INDEX FDS MID CAP ETF 922908629   3,369,329 15,304 SH   SOLE   0 0 15,304
VANGUARD INDEX FDS GROWTH ETF 922908736   10,718,987 37,881 SH   SOLE   0 0 37,882
VANGUARD INDEX FDS SMALL CP ETF 922908751   656,157 3,299 SH   SOLE   0 0 3,299
CHUBB LIMITED COM H1467J104   576,140 2,992 SH   SOLE   0 0 2,992
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   1,432,140 315,489 SH   SOLE   0 0 315,491