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
Estimated average burden
hours per response: 23.8
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
3M CO COM 88579Y101   441 4,192 SH   SOLE   0 0 4,192
ABBVIE INC COM 00287Y109   3,713 23,300 SH   SOLE   0 0 23,300
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   234 818 SH   SOLE   0 0 818
ALPHABET INC CAP STK CL A 02079K305   643 6,196 SH   SOLE   0 0 6,196
ALPHABET INC CAP STK CL C 02079K107   399 3,840 SH   SOLE   0 0 3,840
AT&T INC COM 00206R102   209 10,893 SH   SOLE   0 0 10,893
AXON ENTERPRISE INC COM 05464C101   507 2,255 SH   SOLE   0 0 2,255
BROADCOM INC COM 11135F101   1,814 2,829 SH   SOLE   0 0 2,829
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   315 14,023 SH   SOLE   0 0 14,023
CARDINAL HEALTH INC COM 14149Y108   1,364 18,067 SH   SOLE   0 0 18,067
CHUBB LIMITED COM H1467J104   2,117 10,902 SH   SOLE   0 0 10,902
CISCO SYS INC COM 17275R102   919 17,602 SH   SOLE   0 0 17,602
CME GROUP INC COM 12572Q105   1,031 5,383 SH   SOLE   0 0 5,383
COMCAST CORP NEW CL A 20030N101   909 23,971 SH   SOLE   0 0 23,971
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   20,360 479,067 SH   SOLE   0 0 479,067
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   13,714 538,225 SH   SOLE   0 0 538,225
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   13,153 408,102 SH   SOLE   0 0 408,102
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   9,400 408,330 SH   SOLE   0 0 408,330
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   6,963 149,227 SH   SOLE   0 0 149,227
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,122 115,835 SH   SOLE   0 0 115,835
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,820 63,379 SH   SOLE   0 0 63,379
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,646 109,968 SH   SOLE   0 0 109,968
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,625 59,083 SH   SOLE   0 0 59,083
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,276 67,975 SH   SOLE   0 0 67,975
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,837 42,891 SH   SOLE   0 0 42,891
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,556 65,942 SH   SOLE   0 0 65,942
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   752 32,629 SH   SOLE   0 0 32,629
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   627 21,784 SH   SOLE   0 0 21,784
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   351 16,354 SH   SOLE   0 0 16,354
DUKE ENERGY CORP NEW COM NEW 26441C204   271 2,808 SH   SOLE   0 0 2,808
ESPERION THERAPEUTICS INC NE COM 29664W105   39 24,551 SH   SOLE   0 0 24,551
EXXON MOBIL CORP COM 30231G102   3,656 33,342 SH   SOLE   0 0 33,342
GOLDMAN SACHS GROUP INC COM 38141G104   315 964 SH   SOLE   0 0 964
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104   355 4,898 SH   SOLE   0 0 4,898
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   980 7,424 SH   SOLE   0 0 7,424
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   480 25,010 SH   SOLE   0 0 25,010
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   423 13,646 SH   SOLE   0 0 13,646
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   462 12,628 SH   SOLE   0 0 12,628
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   431 2,978 SH   SOLE   0 0 2,978
ISHARES INC CORE MSCI EMKT 46434G103   12,713 260,560 SH   SOLE   0 0 260,560
ISHARES TR MSCI USA VALUE 46432F388   509 5,496 SH   SOLE   0 0 5,496
ISHARES TR CORE TOTAL USD 46434V613   15,755 341,382 SH   SOLE   0 0 341,382
ISHARES TR FALN ANGLS USD 46435G474   1,028 40,664 SH   SOLE   0 0 40,664
ISHARES TR ESG AWR MSCI USA 46435G425   23,251 257,057 SH   SOLE   0 0 257,057
ISHARES TR CORE MSCI TOTAL 46432F834   427 6,885 SH   SOLE   0 0 6,885
ISHARES TR MSCI USA MMENTM 46432F396   2,703 19,437 SH   SOLE   0 0 19,437
ISHARES TR US TREAS BD ETF 46429B267   15,125 646,937 SH   SOLE   0 0 646,937
ISHARES TR MSCI USA QLT FCT 46432F339   28,608 230,587 SH   SOLE   0 0 230,587
ISHARES TR MSCI USA MIN VOL 46429B697   11,355 156,103 SH   SOLE   0 0 156,103
ISHARES TR EXPONENTIAL TECH 46434V381   8,441 160,162 SH   SOLE   0 0 160,162
ISHARES TR CORE MSCI EAFE 46432F842   4,250 63,568 SH   SOLE   0 0 63,568
ISHARES TR US INFRASTRUC 46435U713   2,160 57,882 SH   SOLE   0 0 57,882
ISHARES TR 0-5 YR TIPS ETF 46429B747   2,146 21,630 SH   SOLE   0 0 21,630
ISHARES TR CORE DIV GRWTH 46434V621   1,856 37,125 SH   SOLE   0 0 37,125
ISHARES TR IBONDS DEC2023 46435G318   1,810 71,185 SH   SOLE   0 0 71,185
ISHARES TR IBONDS DEC 46435U697   1,800 69,574 SH   SOLE   0 0 69,574
ISHARES TR IBONDS DEC 25 46435U432   1,750 65,765 SH   SOLE   0 0 65,765
ISHARES TR IBONDS DEC 26 46435U259   1,698 66,510 SH   SOLE   0 0 66,510
ISHARES TR IBONDS DEC 27 46435U283   1,670 65,604 SH   SOLE   0 0 65,604
ISHARES TR MSCI EAFE MIN VL 46429B689   1,530 22,613 SH   SOLE   0 0 22,613
ISHARES TR ESG MSCI LEADR 46435U218   1,397 19,603 SH   SOLE   0 0 19,603
ISHARES TR 0-5YR HI YL CP 46434V407   1,004 24,099 SH   SOLE   0 0 24,099
ISHARES TR IBONDS DEC2026 46435GAA0   945 39,822 SH   SOLE   0 0 39,822
ISHARES TR IBONDS DEC23 ETF 46434VAX8   921 36,548 SH   SOLE   0 0 36,548
ISHARES TR IBONDS DEC24 ETF 46434VBG4   886 36,035 SH   SOLE   0 0 36,035
ISHARES TR IBONDS DEC25 ETF 46434VBD1   855 34,854 SH   SOLE   0 0 34,854
ISHARES TR IBONDS 27 ETF 46435UAA9   607 25,484 SH   SOLE   0 0 25,484
ISHARES TR BLACKROCK ULTRA 46434V878   457 9,093 SH   SOLE   0 0 9,093
ISHARES TR IBONDS 26 TRM TS 46436E858   443 19,178 SH   SOLE   0 0 19,178
ISHARES TR IBONDS 25 TRM TS 46436E866   441 18,722 SH   SOLE   0 0 18,722
ISHARES TR IBONDS 24 TRM TS 46436E874   439 18,283 SH   SOLE   0 0 18,283
ISHARES TR IBONDS 27 TRM TS 46436E841   437 19,276 SH   SOLE   0 0 19,276
ISHARES TR IBONDS 23 TRM TS 46436E882   398 16,049 SH   SOLE   0 0 16,049
ISHARES TR MSCI INTL VLU FT 46435G409   298 12,020 SH   SOLE   0 0 12,020
ISHARES TR GNMA BOND ETF 46429B333   205 4,617 SH   SOLE   0 0 4,617
ISHARES TR CORE US AGGBD ET 464287226   2,779 27,888 SH   SOLE   0 0 27,888
ISHARES TR 3 7 YR TREAS BD 464288661   10,098 85,828 SH   SOLE   0 0 85,828
ISHARES TR CORE S&P MCP ETF 464287507   8,468 33,852 SH   SOLE   0 0 33,852
ISHARES TR S&P MC 400VL ETF 464287705   3,893 37,884 SH   SOLE   0 0 37,884
ISHARES TR S&P MC 400GR ETF 464287606   3,502 48,977 SH   SOLE   0 0 48,977
ISHARES TR CORE S&P SCP ETF 464287804   2,223 22,995 SH   SOLE   0 0 22,995
ISHARES TR CORE S&P500 ETF 464287200   12,563 30,561 SH   SOLE   0 0 30,561
ISHARES TR RUS 1000 VAL ETF 464287598   14,295 93,888 SH   SOLE   0 0 93,888
ISHARES TR RUS 2000 GRW ETF 464287648   2,712 11,956 SH   SOLE   0 0 11,956
ISHARES TR IBOXX INV CP ETF 464287242   213 1,939 SH   SOLE   0 0 1,939
ISHARES TR TIPS BD ETF 464287176   318 2,881 SH   SOLE   0 0 2,881
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   397 7,956 SH   SOLE   0 0 7,956
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   222 4,473 SH   SOLE   0 0 4,473
JPMORGAN CHASE & CO COM 46625H100   1,763 13,531 SH   SOLE   0 0 13,531
M & T BK CORP COM 55261F104   335 2,805 SH   SOLE   0 0 2,805
MASTERCARD INCORPORATED CL A 57636Q104   259 714 SH   SOLE   0 0 714
MEDTRONIC PLC SHS G5960L103   1,118 13,865 SH   SOLE   0 0 13,865
MERCK & CO INC COM 58933Y105   2,059 19,348 SH   SOLE   0 0 19,348
META PLATFORMS INC CL A 30303M102   334 1,576 SH   SOLE   0 0 1,576
NEXTERA ENERGY INC COM 65339F101   801 10,395 SH   SOLE   0 0 10,395
NVIDIA CORPORATION COM 67066G104   360 1,297 SH   SOLE   0 0 1,297
ORACLE CORP COM 68389X105   630 6,778 SH   SOLE   0 0 6,778
PACER FDS TR TRENDP US LAR CP 69374H105   71,477 1,877,531 SH   SOLE   0 0 1,877,531
PENTAIR PLC SHS G7S00T104   1,506 27,255 SH   SOLE   0 0 27,255
PRICE T ROWE GROUP INC COM 74144T108   1,435 12,706 SH   SOLE   0 0 12,706
PROSHARES TR S&P 500 DV ARIST 74348A467   10,015 109,760 SH   SOLE   0 0 109,760
PROSHARES TR MSCI EAFE DIVD 74347B839   1,889 50,377 SH   SOLE   0 0 50,377
PROSHARES TR S&P MDCP 400 DIV 74347B680   644 9,108 SH   SOLE   0 0 9,108
PROSHARES TR RUSS 2000 DIVD 74347B698   630 10,325 SH   SOLE   0 0 10,325
PROSHARES TR S&P TECH DIVIDEN 74347G606   623 10,185 SH   SOLE   0 0 10,185
S&P GLOBAL INC COM 78409V104   2,620 7,598 SH   SOLE   0 0 7,598
SIRIUS XM HOLDINGS INC COM 82968B103   112 28,111 SH   SOLE   0 0 28,111
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   6,512 121,422 SH   SOLE   0 0 121,422
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,429 129,761 SH   SOLE   0 0 129,761
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   249 6,048 SH   SOLE   0 0 6,048
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,254 3,064 SH   SOLE   0 0 3,064
SPDR SER TR PORTFOLIO S&P500 78464A854   72,154 1,498,533 SH   SOLE   0 0 1,498,533
SPDR SER TR PORTFOLIO LN TSR 78464A664   10,107 327,302 SH   SOLE   0 0 327,302
SPDR SER TR PORTFOLIO INTRMD 78464A375   4,332 133,345 SH   SOLE   0 0 133,345
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,946 41,563 SH   SOLE   0 0 41,563
SPDR SER TR PORTFOLIO SHORT 78464A474   1,386 46,790 SH   SOLE   0 0 46,790
SPDR SER TR PORTFOLIO S&P400 78464A847   421 9,571 SH   SOLE   0 0 9,571
SPDR SER TR PORTFOLIO S&P600 78468R853   411 10,880 SH   SOLE   0 0 10,880
SPDR SER TR PORTFOLI S&P1500 78464A805   409 8,112 SH   SOLE   0 0 8,112
SPDR SER TR PORTFOLIO LN COR 78464A367   373 15,771 SH   SOLE   0 0 15,771
SPDR SER TR MSCI USA STRTGIC 78468R812   291 2,511 SH   SOLE   0 0 2,511
SPDR SER TR NUVEEN BLMBRG SH 78468R739   269 5,663 SH   SOLE   0 0 5,663
TESLA INC COM 88160R101   1,109 5,346 SH   SOLE   0 0 5,346
UNITEDHEALTH GROUP INC COM 91324P102   756 1,599 SH   SOLE   0 0 1,599
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   390 8,400 SH   SOLE   0 0 8,400
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   434 5,876 SH   SOLE   0 0 5,876
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   505 6,087 SH   SOLE   0 0 6,087
VANGUARD INDEX FDS MID CAP ETF 922908629   283 1,342 SH   SOLE   0 0 1,342
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,126 5,517 SH   SOLE   0 0 5,517
VANGUARD INDEX FDS GROWTH ETF 922908736   18,331 73,489 SH   SOLE   0 0 73,489
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,003 49,588 SH   SOLE   0 0 49,588
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   347 5,787 SH   SOLE   0 0 5,787
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,114 91,078 SH   SOLE   0 0 91,078
VANGUARD WORLD FDS INF TECH ETF 92204A702   266 691 SH   SOLE   0 0 691
VERIZON COMMUNICATIONS INC COM 92343V104   278 7,150 SH   SOLE   0 0 7,150
VISA INC COM CL A 92826C839   495 2,196 SH   SOLE   0 0 2,196