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
ABBVIE INC COM 00287Y109   206,651 1,333 SH   SOLE   0 0 1,333
AMAZON COM INC COM 023135106   266,047 1,751 SH   SOLE   0 0 1,751
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   5,270,773 103,227 SH   SOLE   0 0 103,227
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   15,966,475 276,427 SH   SOLE   0 0 276,428
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   7,646,685 148,537 SH   SOLE   0 0 148,537
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   10,804,152 191,596 SH   SOLE   0 0 191,597
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   334,255 7,203 SH   SOLE   0 0 7,203
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   365,758 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   11,984,593 198,321 SH   SOLE   0 0 198,322
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   274,956 4,400 SH   SOLE   0 0 4,400
AMERICAN CENTY ETF TR US SML CP VALU 025072877   212,557 2,367 SH   SOLE   0 0 2,367
AMERICAN CENTY ETF TR US EQT ETF 025072885   25,212,521 309,166 SH   SOLE   0 0 309,166
ANALOG DEVICES INC COM 032654105   317,696 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   1,198,903 6,227 SH   SOLE   0 0 6,227
BANK AMERICA CORP COM 060505104   327,058 9,713 SH   SOLE   0 0 9,714
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   457,382 2,223 SH   SOLE   0 0 2,223
CATERPILLAR INC COM 149123101   215,839 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   248,859 1,668 SH   SOLE   0 0 1,668
CLOROX CO DEL COM 189054109   217,022 1,522 SH   SOLE   0 0 1,522
COCA COLA CO COM 191216100   348,697 5,917 SH   SOLE   0 0 5,917
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   274,732 11,394 SH   SOLE   0 0 11,395
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,057,539 58,991 SH   SOLE   0 0 58,992
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,089,695 18,277 SH   SOLE   0 0 18,277
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,620,171 30,960 SH   SOLE   0 0 30,961
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,478,779 290,071 SH   SOLE   0 0 290,071
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,791,191 48,124 SH   SOLE   0 0 48,124
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   10,130,012 394,778 SH   SOLE   0 0 394,778
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   5,171,827 213,977 SH   SOLE   0 0 213,977
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   12,985,291 453,872 SH   SOLE   0 0 453,872
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   562,085 11,587 SH   SOLE   0 0 11,587
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   510,105 20,888 SH   SOLE   0 0 20,889
FACTSET RESH SYS INC COM 303075105   369,237 774 SH   SOLE   0 0 774
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   553,800 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   1,436,874 77,146 SH   SOLE   0 0 77,147
INVESCO QQQ TR UNIT SER 1 46090E103   1,587,601 3,876 SH   SOLE   0 0 3,877
ISHARES TR RUS MD CP GR ETF 464287481   255,927 2,450 SH   SOLE   0 0 2,450
ISHARES TR PFD AND INCM SEC 464288687   295,089 9,461 SH   SOLE   0 0 9,461
JPMORGAN CHASE & CO COM 46625H100   363,349 2,136 SH   SOLE   0 0 2,136
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,068,632 19,436 SH   SOLE   0 0 19,437
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   5,588,068 110,131 SH   SOLE   0 0 110,131
JOHNSON & JOHNSON COM 478160104   450,740 2,875 SH   SOLE   0 0 2,876
ELI LILLY & CO COM 532457108   349,752 600 SH   SOLE   0 0 600
MCDONALDS CORP COM 580135101   236,022 796 SH   SOLE   0 0 796
MICROSOFT CORP COM 594918104   799,463 2,126 SH   SOLE   0 0 2,126
PEPSICO INC COM 713448108   595,780 3,507 SH   SOLE   0 0 3,508
PHILLIPS 66 COM 718546104   308,664 2,318 SH   SOLE   0 0 2,318
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   5,398,674 107,916 SH   SOLE   0 0 107,916
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,021,032 2,148 SH   SOLE   0 0 2,148
SPDR SER TR BLOOMBERG INVT 78468R200   3,066,167 100,234 SH   SOLE   0 0 100,234
SCHWAB STRATEGIC TR US REIT ETF 808524847   207,961 10,041 SH   SOLE   0 0 10,042
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   866,415 17,882 SH   SOLE   0 0 17,883
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,076,187 20,616 SH   SOLE   0 0 20,617
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   386,808 2,270 SH   SOLE   0 0 2,270
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,076,791 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   11,734,737 157,344 SH   SOLE   0 0 157,344
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,115,041 132,430 SH   SOLE   0 0 132,430
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   16,807,548 218,223 SH   SOLE   0 0 218,223
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   592,619 8,057 SH   SOLE   0 0 8,057
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,219,820 25,465 SH   SOLE   0 0 25,466
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   7,123,525 144,084 SH   SOLE   0 0 144,085
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   535,333 12,569 SH   SOLE   0 0 12,569
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,880,443 32,238 SH   SOLE   0 0 32,238
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,565,523 184,761 SH   SOLE   0 0 184,761
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,236,456 102,575 SH   SOLE   0 0 102,575
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,905,887 15,810 SH   SOLE   0 0 15,810
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,311,881 26,164 SH   SOLE   0 0 26,164
VANGUARD INDEX FDS MID CAP ETF 922908629   253,434 1,089 SH   SOLE   0 0 1,089
VANGUARD INDEX FDS GROWTH ETF 922908736   9,615,130 30,928 SH   SOLE   0 0 30,929
VANGUARD INDEX FDS SMALL CP ETF 922908751   607,074 2,845 SH   SOLE   0 0 2,846
AON PLC SHS CL A G0403H108   878,298 3,018 SH   SOLE   0 0 3,018
CHUBB LIMITED COM H1467J104   526,128 2,328 SH   SOLE   0 0 2,328