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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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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   1,603,373 17,969 SH   DFND   0 17,969 0
APPLE INC COM 037833100   1,106,256 8,514 SH   DFND 1 0 8,514 0
BERKLEY W R CORP COM 084423102   250,584 3,453 SH   DFND 1 0 3,453 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,057,892 6,662 SH   DFND 1 0 6,662 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   DFND 1 0 1 0
BITFARMS LTD COM 09173B107   5,273 12,750 SH   DFND   0 12,750 0
CBRE GROUP INC CL A 12504L109   276,825 3,597 SH   DFND 1 0 3,597 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   7,291,655 175,238 SH   DFND 1 0 175,238 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,708,635 171,696 SH   DFND 1 0 171,696 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   579,472 17,308 SH   DFND 1 0 17,308 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   200,831 8,095 SH   DFND 1 0 8,095 0
FIRST TR ECH TRADED FD III MANAGD MUN ETF 33739N108   874,219 17,446 SH   DFND   0 17,446 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   3,560,822 75,107 SH   DFND   0 75,107 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   249,076 2,295 SH   DFND 1 0 2,295 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   8,544,975 332,360 SH   DFND   0 332,360 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   3,217,198 27,313 SH   DFND   0 27,313 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   5,509,328 22,674 SH   DFND   0 22,674 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,343,102 12,881 SH   DFND 1 0 12,881 0
ISHARES TR PFD AND INCM SEC 464288687   5,430,714 177,881 SH   DFND 1 0 177,881 0
ISHARES TR NATIONAL MUN ETF 464288414   883,097 8,369 SH   DFND 1 0 8,369 0
ISHARES TR TIPS BD ETF 464287176   4,666,856 43,845 SH   DFND 1 0 43,845 0
ISHARES TR MORNINGSTAR GRWT 464287119   243,400 5,000 SH   DFND 1 0 5,000 0
ISHARES TR RUS MDCP VAL ETF 464287473   602,216 5,717 SH   DFND 1 0 5,717 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   723,423 29,746 SH   DFND 1 0 29,746 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,271,178 39,246 SH   DFND 1 0 39,246 0
ISHARES TR IBONDS DEC2026 46435GAA0   315,225 13,500 SH   DFND 1 0 13,500 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,290,587 15,228 SH   DFND 1 0 15,228 0
ISHARES TR RUSEL 2500 ETF 46435G268   429,729 8,087 SH   DFND 1 0 8,087 0
ISHARES TR IBONDS 27 ETF 46435UAA9   317,832 13,600 SH   DFND 1 0 13,600 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,151,167 63,440 SH   DFND 1 0 63,440 0
ISHARES TR MSCI EAFE MIN VL 46429B689   380,238 5,980 SH   DFND 1 0 5,980 0
ISHARES TR A RATE CP BD ETF 46429B291   1,064,153 22,971 SH   DFND 1 0 22,971 0
ISHARES TR MSCI USA MMENTM 46432F396   367,014 2,515 SH   DFND 1 0 2,515 0
ISHARES TR GLOBAL REIT ETF 46434V647   1,020,643 44,942 SH   DFND 1 0 44,942 0
ISHARES TR FLTG RATE NT ETF 46429B655   5,363,466 106,566 SH   DFND   0 106,566 0
JOHNSON & JOHNSON COM 478160104   228,585 1,294 SH   DFND 1 0 1,294 0
MICROSOFT CORP COM 594918104   469,328 1,957 SH   DFND 1 0 1,957 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   474,655 48,106 SH   DFND 1 0 48,106 0
PIMCO ETF TR ENHANCD SHORT 72201R643   287,211 2,964 SH   DFND 1 0 2,964 0
PROCTER AND GAMBLE CO COM 742718109   236,434 1,560 SH   DFND 1 0 1,560 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,699,814 22,801 SH   DFND   0 22,801 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,470,505 72,237 SH   DFND   0 72,237 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,724,191 27,414 SH   DFND   0 27,414 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,015,170 20,519 SH   DFND   0 20,519 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   627,188 8,074 SH   DFND   0 8,074 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   685,775 5,511 SH   DFND 1 0 5,511 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   200,249 2,686 SH   DFND 1 0 2,686 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   331,202 2,438 SH   DFND 1 0 2,438 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,200,263 13,722 SH   DFND   0 13,722 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,332,745 48,609 SH   DFND   0 48,609 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   581,278 15,740 SH   DFND   0 15,740 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,070,094 204,449 SH   DFND 1 0 204,449 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,421,588 107,496 SH   DFND 1 0 107,496 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   234,699 9,111 SH   DFND 1 0 9,111 0
SPDR SER TR PORTFOLI S&P1500 78464A805   7,873,622 166,497 SH   DFND 1 0 166,497 0
SPDR SER TR ICE PFD SEC ETF 78464A292   781,238 23,804 SH   DFND 1 0 23,804 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   725,188 25,102 SH   DFND 1 0 25,102 0
UTILITIES SELECT SECTOR SPDR ETF SBI INT-UTILS 81369Y886   810,327 11,494 SH   DFND   0 11,494 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,199,543 33,886 SH   DFND 1 0 33,886 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   2,237,312 77,318 SH   DFND 1 0 77,318 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,842,342 37,757 SH   DFND 1 0 37,757 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,879,723 54,005 SH   DFND 1 0 54,005 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,171,944 16,591 SH   DFND 1 0 16,591 0
VANGUARD INDEX FDS VALUE ETF 922908744   523,440 3,729 SH   DFND 1 0 3,729 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,396,580 35,828 SH   DFND 1 0 35,828 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   636,780 12,700 SH   DFND 1 0 12,700 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,952,890 22,658 SH   DFND 1 0 22,658 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   200,673 2,589 SH   DFND   0 2,589 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,585,115 33,352 SH   DFND 1 0 33,352 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,311,980 91,871 SH   DFND 1 0 91,871 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,145,041 99,497 SH   DFND 1 0 99,497 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   912,787 21,749 SH   DFND 1 0 21,749 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   513,348 4,744 SH   DFND 1 0 4,744 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,437,015 29,214 SH   DFND 1 0 29,214 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   671,620 25,173 SH   DFND 1 0 25,173 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   473,070 7,800 SH   DFND 1 0 7,800 0