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   1,671,788 18,329 SH   DFND   0 18,329 0
APPLE INC COM 037833100   1,388,508 8,420 SH   DFND 1 0 8,420 0
BERKLEY W R CORP COM 084423102   202,034 3,245 SH   DFND 1 0 3,245 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,136,379 6,919 SH   DFND 1 0 6,919 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   DFND 1 0 1 0
CBRE GROUP INC CL A 12504L109   261,898 3,597 SH   DFND 1 0 3,597 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   7,763,228 174,729 SH   DFND 1 0 174,729 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,891,265 168,745 SH   DFND 1 0 168,745 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   582,165 17,388 SH   DFND 1 0 17,388 0
FIRST TR ECH TRADED FD III MANAGD MUN ETF 33739N108   409,828 8,046 SH   DFND   0 8,046 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   3,629,264 75,815 SH   DFND   0 75,815 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   258,553 2,305 SH   DFND 1 0 2,305 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   9,341,284 347,518 SH   DFND   0 347,518 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,911,252 14,948 SH   DFND   0 14,948 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   3,937,407 14,267 SH   DFND   0 14,267 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,349,467 12,891 SH   DFND 1 0 12,891 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,534,611 65,853 SH   DFND 1 0 65,853 0
ISHARES TR MSCI EAFE MIN VL 46429B689   404,547 5,980 SH   DFND 1 0 5,980 0
ISHARES TR A RATE CP BD ETF 46429B291   1,204,287 25,174 SH   DFND 1 0 25,174 0
ISHARES TR MSCI USA MMENTM 46432F396   349,686 2,515 SH   DFND 1 0 2,515 0
ISHARES TR GLOBAL REIT ETF 46434V647   1,051,121 45,840 SH   DFND 1 0 45,840 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   731,014 29,801 SH   DFND 1 0 29,801 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,512,252 42,840 SH   DFND 1 0 42,840 0
ISHARES TR IBONDS DEC2026 46435GAA0   321,503 13,548 SH   DFND 1 0 13,548 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,433,609 15,850 SH   DFND 1 0 15,850 0
ISHARES TR RUSEL 2500 ETF 46435G268   444,319 8,105 SH   DFND 1 0 8,105 0
ISHARES TR IBONDS 27 ETF 46435UAA9   325,209 13,653 SH   DFND 1 0 13,653 0
ISHARES TR PFD AND INCM SEC 464288687   5,603,761 179,493 SH   DFND 1 0 179,493 0
ISHARES TR NATIONAL MUN ETF 464288414   889,207 8,253 SH   DFND 1 0 8,253 0
ISHARES TR RUS MDCP VAL ETF 464287473   604,265 5,690 SH   DFND 1 0 5,690 0
ISHARES TR TIPS BD ETF 464287176   4,820,537 43,724 SH   DFND 1 0 43,724 0
ISHARES TR MORNINGSTAR GRWT 464287119   276,794 5,000 SH   DFND 1 0 5,000 0
ISHARES TR FLTG RATE NT ETF 46429B655   5,485,656 108,864 SH   DFND   0 108,864 0
JOHNSON & JOHNSON COM 478160104   200,570 1,294 SH   DFND 1 0 1,294 0
MICROSOFT CORP COM 594918104   557,861 1,935 SH   DFND 1 0 1,935 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,812,909 48,493 SH   DFND 1 0 48,493 0
PIMCO ETF TR ENHANCD SHORT 72201R643   249,507 2,554 SH   DFND 1 0 2,554 0
PROCTER AND GAMBLE CO COM 742718109   231,956 1,560 SH   DFND 1 0 1,560 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   788,890 5,224 SH   DFND 1 0 5,224 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   201,280 2,694 SH   DFND 1 0 2,694 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   316,423 2,444 SH   DFND 1 0 2,444 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,316,838 17,626 SH   DFND   0 17,626 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   7,198,064 223,890 SH   DFND   0 223,890 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,885,482 30,013 SH   DFND   0 30,013 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   3,154,588 34,736 SH   DFND   0 34,736 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   970,097 12,027 SH   DFND   0 12,027 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,299,106 15,684 SH   DFND   0 15,684 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,493,192 25,758 SH   DFND   0 25,758 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   850,208 22,745 SH   DFND   0 22,745 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,728,276 209,473 SH   DFND 1 0 209,473 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,509,524 108,019 SH   DFND 1 0 108,019 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   693,714 23,733 SH   DFND 1 0 23,733 0
SPDR SER TR PORTFOLI S&P1500 78464A805   8,558,441 169,710 SH   DFND 1 0 169,710 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   242,990 9,111 SH   DFND 1 0 9,111 0
SPDR SER TR ICE PFD SEC ETF 78464A292   838,236 24,683 SH   DFND 1 0 24,683 0
UTILITIES SELECT SECTOR SPDR ETF SBI INT-UTILS 81369Y886   959,370 14,173 SH   DFND   0 14,173 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,501,955 33,888 SH   DFND 1 0 33,888 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   2,442,444 76,398 SH   DFND 1 0 76,398 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,910,054 38,045 SH   DFND 1 0 38,045 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,896,302 52,774 SH   DFND 1 0 52,774 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,324,259 16,287 SH   DFND 1 0 16,287 0
VANGUARD INDEX FDS VALUE ETF 922908744   515,012 3,729 SH   DFND 1 0 3,729 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   686,699 12,843 SH   DFND 1 0 12,843 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,459,190 36,118 SH   DFND 1 0 36,118 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,114,881 22,966 SH   DFND 1 0 22,966 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,555,141 31,852 SH   DFND 1 0 31,852 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,983,144 102,206 SH   DFND 1 0 102,206 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   204,721 2,552 SH   DFND   0 2,552 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,674,207 102,775 SH   DFND 1 0 102,775 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   992,699 21,977 SH   DFND 1 0 21,977 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   502,176 4,760 SH   DFND 1 0 4,760 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,561,712 29,826 SH   DFND 1 0 29,826 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   724,930 26,039 SH   DFND 1 0 26,039 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   472,602 7,800 SH   DFND 1 0 7,800 0