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   242,855 1,333 SH   SOLE   0 0 1,333
AMAZON COM INC COM 023135106   317,288 1,759 SH   SOLE   0 0 1,759
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   4,885,506 93,306 SH   SOLE   0 0 93,306
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   19,326,582 300,756 SH   SOLE   0 0 300,756
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   10,172,124 188,094 SH   SOLE   0 0 188,094
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   13,357,807 230,465 SH   SOLE   0 0 230,465
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   333,355 7,203 SH   SOLE   0 0 7,203
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695   363,377 7,802 SH   SOLE   0 0 7,802
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   13,707,056 215,046 SH   SOLE   0 0 215,046
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   605,912 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877   221,812 2,367 SH   SOLE   0 0 2,367
AMERICAN CENTY ETF TR US EQT ETF 025072885   30,428,155 339,979 SH   SOLE   0 0 339,979
APPLE INC COM 037833100   915,940 5,341 SH   SOLE   0 0 5,341
BANK AMERICA CORP COM 060505104   375,927 9,913 SH   SOLE   0 0 9,913
CATERPILLAR INC COM 149123101   267,494 730 SH   SOLE   0 0 730
CHEVRON CORP NEW COM 166764100   280,976 1,781 SH   SOLE   0 0 1,781
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   281,690 11,395 SH   SOLE   0 0 11,395
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,324,137 58,338 SH   SOLE   0 0 58,338
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,085,422 17,411 SH   SOLE   0 0 17,411
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,655,425 30,413 SH   SOLE   0 0 30,413
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,263,301 289,931 SH   SOLE   0 0 289,931
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   1,878,493 45,928 SH   SOLE   0 0 45,928
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   13,440,218 498,894 SH   SOLE   0 0 498,894
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   6,802,240 271,438 SH   SOLE   0 0 271,438
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   12,551,464 397,072 SH   SOLE   0 0 397,072
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,163,778 24,200 SH   SOLE   0 0 24,200
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   531,426 20,889 SH   SOLE   0 0 20,889
EXXON MOBIL CORP COM 30231G102   219,379 1,887 SH   SOLE   0 0 1,887
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   605,800 52,000 SH   SOLE   0 0 52,000
INNOVATOR ETFS TRUST S&P INVT GRD PFD 45783Y822   1,552,971 80,166 SH   SOLE   0 0 80,166
INVESCO QQQ TR UNIT SER 1 46090E103   1,721,313 3,876 SH   SOLE   0 0 3,876
ISHARES TR RUS MD CP GR ETF 464287481   279,643 2,450 SH   SOLE   0 0 2,450
ISHARES TR PFD AND INCM SEC 464288687   304,928 9,461 SH   SOLE   0 0 9,461
ISHARES TR ESG AWR MSCI USA 46435G425   200,805 1,746 SH   SOLE   0 0 1,746
JPMORGAN CHASE & CO COM 46625H100   369,921 1,846 SH   SOLE   0 0 1,846
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,219,447 21,075 SH   SOLE   0 0 21,075
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,345,226 125,053 SH   SOLE   0 0 125,053
JOHNSON & JOHNSON COM 478160104   265,082 1,675 SH   SOLE   0 0 1,675
ELI LILLY & CO COM 532457108   466,776 600 SH   SOLE   0 0 600
MANULIFE FINL CORP COM 56501R106   300,530 12,026 SH   SOLE   0 0 12,026
MCDONALDS CORP COM 580135101   224,432 796 SH   SOLE   0 0 796
MICROSOFT CORP COM 594918104   454,380 1,080 SH   SOLE   0 0 1,080
NVIDIA CORPORATION COM 67066G104   245,768 272 SH   SOLE   0 0 272
PEPSICO INC COM 713448108   243,070 1,388 SH   SOLE   0 0 1,388
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   5,898,400 118,204 SH   SOLE   0 0 118,204
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,102,422 2,107 SH   SOLE   0 0 2,107
SPDR SER TR BLOOMBERG INVT 78468R200   3,157,020 102,400 SH   SOLE   0 0 102,400
SCHWAB STRATEGIC TR US REIT ETF 808524847   302,225 14,887 SH   SOLE   0 0 14,887
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   850,785 17,647 SH   SOLE   0 0 17,647
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,158,053 22,201 SH   SOLE   0 0 22,201
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   419,638 2,298 SH   SOLE   0 0 2,298
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   1,211,673 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,148,785 29,708 SH   SOLE   0 0 29,708
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,795,151 23,808 SH   SOLE   0 0 23,808
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,450,607 58,048 SH   SOLE   0 0 58,048
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   755,314 10,399 SH   SOLE   0 0 10,399
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,277,742 25,468 SH   SOLE   0 0 25,468
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   7,556,198 152,496 SH   SOLE   0 0 152,496
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,091,024 25,890 SH   SOLE   0 0 25,890
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,504,712 198,118 SH   SOLE   0 0 198,118
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,583,087 46,347 SH   SOLE   0 0 46,347
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,302,756 90,568 SH   SOLE   0 0 90,568
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,973,047 196,734 SH   SOLE   0 0 196,734
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   5,245,165 67,048 SH   SOLE   0 0 67,048
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   5,289,184 89,284 SH   SOLE   0 0 89,284
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,473,121 43,139 SH   SOLE   0 0 43,139
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,119,606 120,940 SH   SOLE   0 0 120,940
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,201,964 19,142 SH   SOLE   0 0 19,142
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,809,170 32,483 SH   SOLE   0 0 32,483
VANGUARD INDEX FDS MID CAP ETF 922908629   240,254 961 SH   SOLE   0 0 961
VANGUARD INDEX FDS GROWTH ETF 922908736   21,640,131 62,870 SH   SOLE   0 0 62,870
VANGUARD INDEX FDS SMALL CP ETF 922908751   640,504 2,801 SH   SOLE   0 0 2,801
WASTE MGMT INC DEL COM 94106L109   213,150 1,000 SH   SOLE   0 0 1,000
AON PLC SHS CL A G0403H108   1,007,167 3,018 SH   SOLE   0 0 3,018