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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   1,959,374 20,517 SH   DFND   0 20,517 0
APPLE INC COM 037833100   1,284,741 7,492 SH   DFND 1 0 7,492 0
APPLE INC COM 037833100   168,942 985 SH   DFND 0 985 0
BERKLEY W R CORP COM 084423102   264,612 2,992 SH   DFND 1 0 2,992 0
BERKSHIRE HATHAWAY INC CLASS A CL A 084670108   634,440 1 SH   DFND   0 1 0
BERKSHIRE HATHAWAY INC CLASS B CL B NEW 084670702   962,990 2,290 SH   DFND   0 2,290 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,294,357 5,456 SH   DFND 1 0 5,456 0
CBRE GROUP INC CL A 12504L109   349,772 3,597 SH   DFND 1 0 3,597 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   9,318,894 163,547 SH   DFND 1 0 163,547 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   116,494 2,044 SH   DFND 0 2,044 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   4,496,272 176,740 SH   DFND 1 0 176,740 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   146,352 5,753 SH   DFND 0 5,753 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   721,271 17,635 SH   DFND 1 0 17,635 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   204,940 7,855 SH   DFND 1 0 7,855 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   2,828,656 58,625 SH   DFND   0 58,625 0
FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108   212,155 1,871 SH   DFND 1 0 1,871 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   437,809 16,490 SH   DFND   0 16,490 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   299,147 6,988 SH   DFND 1 0 6,988 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   7,572,571 215,191 SH   DFND   0 215,191 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   3,096,149 60,685 SH   DFND   0 60,685 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   261,610 5,160 SH   DFND 1 0 5,160 0
INVESCO QQQ TR UNIT SER 1 46090E103   211,232 476 SH   DFND 1 0 476 0
ISHARES TR SELECT DIVID ETF 464287168   235,767 1,914 SH   DFND   0 1,914 0
ISHARES TR RUS MDCP VAL ETF 464287473   697,055 5,562 SH   DFND 1 0 5,562 0
ISHARES TR TIPS BD ETF 464287176   4,857,580 45,225 SH   DFND 1 0 45,225 0
ISHARES TR TIPS BD ETF 464287176   150,408 1,400 SH   DFND 0 1,400 0
ISHARES TR MORNINGSTAR GRWT 464287119   377,400 5,000 SH   DFND 1 0 5,000 0
ISHARES TR PFD AND INCM SEC 464288687   5,799,089 179,928 SH   DFND 1 0 179,928 0
ISHARES TR PFD AND INCM SEC 464288687   256,850 7,969 SH   DFND 0 7,969 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,303,026 12,442 SH   DFND 1 0 12,442 0
ISHARES TR SHRT NAT MUN ETF 464288158   30,674 293 SH   DFND 0 293 0
ISHARES TR NATIONAL MUN ETF 464288414   774,486 7,198 SH   DFND 1 0 7,198 0
ISHARES TR NATIONAL MUN ETF 464288414   32,264 300 SH   DFND 0 300 0
ISHARES TR MSCI EAFE MIN VL 46429B689   419,301 5,916 SH   DFND 1 0 5,916 0
ISHARES TR A RATE CP BD ETF 46429B291   1,854,393 39,056 SH   DFND 1 0 39,056 0
ISHARES TR A RATE CP BD ETF 46429B291   206,330 4,346 SH   DFND 0 4,346 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   6,840,804 68,800 SH   DFND 1 0 68,800 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   243,013 2,444 SH   DFND 0 2,444 0
ISHARES TR MSCI USA MMENTM 46432F396   471,185 2,515 SH   DFND 1 0 2,515 0
ISHARES TR GLOBAL REIT ETF 46434V647   989,169 41,772 SH   DFND 1 0 41,772 0
ISHARES TR GLOBAL REIT ETF 46434V647   122,858 5,188 SH   DFND 0 5,188 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1   661,963 26,681 SH   DFND 1 0 26,681 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,671,356 42,142 SH   DFND 1 0 42,142 0
ISHARES TR MSCI INTL QUALTY 46434V456   21,377 539 SH   DFND 0 539 0
ISHARES TR IBONDS DEC2026 46435GAA0   249,536 10,463 SH   DFND 1 0 10,463 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,214,959 10,569 SH   DFND 1 0 10,569 0
ISHARES TR ESG AWR MSCI USA 46435G425   33,982 296 SH   DFND 0 296 0
ISHARES TR RUSEL 2500 ETF 46435G268   601,820 9,173 SH   DFND 1 0 9,173 0
ISHARES TR RUSEL 2500 ETF 46435G268   136,980 2,088 SH   DFND 0 2,088 0
ISHARES TR IBONDS 27 ETF 46435UAA9   263,082 11,054 SH   DFND 1 0 11,054 0
JOHNSON & JOHNSON COM 478160104   205,713 1,300 SH   DFND 1 0 1,300 0
LILLY ELI COMPANY COM 532457108   765,513 984 SH   DFND   0 984 0
MICROSOFT CORP COM 594918104   783,861 1,863 SH   DFND 1 0 1,863 0
MICROSOFT CORP COM 594918104   42,829 102 SH   DFND 0 102 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   5,102,734 50,753 SH   DFND 1 0 50,753 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   411,805 4,096 SH   DFND 0 4,096 0
PIMCO ETF TR ENHANCD SHORT 72201R643   326,417 3,310 SH   DFND 1 0 3,310 0
PROCTER AND GAMBLE CO COM 742718109   254,582 1,569 SH   DFND 1 0 1,569 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   237,133 2,941 SH   DFND   0 2,941 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   205,983 3,374 SH   DFND 1 0 3,374 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   608,151 6,547 SH   DFND   0 6,547 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,129,645 27,954 SH   DFND   0 27,954 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,530,407 20,042 SH   DFND   0 20,042 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   718,554 7,611 SH   DFND   0 7,611 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,309,284 78,568 SH   DFND   0 78,568 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,238,813 17,774 SH   DFND   0 17,774 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,953,316 36,166 SH   DFND   0 36,166 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   764,510 19,340 SH   DFND   0 19,340 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   963,414 14,675 SH   DFND   0 14,675 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   274,611 1,319 SH   DFND 1 0 1,319 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   39,326 189 SH   DFND 0 189 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,358,252 205,308 SH   DFND 1 0 205,308 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   557,484 15,555 SH   DFND 0 15,555 0
SPDR SER TR BLOOMBERG INVT 78468R200   10,698,627 347,020 SH   DFND   0 347,020 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   3,982,167 121,816 SH   DFND 1 0 121,816 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   300,915 9,205 SH   DFND 0 9,205 0
SPDR SER TR ICE PFD SEC ETF 78464A292   784,158 22,488 SH   DFND 1 0 22,488 0
SPDR SER TR ICE PFD SEC ETF 78464A292   87,054 2,497 SH   DFND 0 2,497 0
SPDR SER TR PORTFOLIO SH TSR 78468R101   645,120 22,307 SH   DFND 1 0 22,307 0
SPDR SER TR PORTFOLI S&P1500 78464A805   10,300,936 160,576 SH   DFND 1 0 160,576 0
SPDR SER TR PORTFOLI S&P1500 78464A805   1,360,555 21,209 SH   DFND 0 21,209 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,310,722 25,703 SH   DFND 1 0 25,703 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   257,786 2,867 SH   DFND 0 2,867 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   1,610,844 51,765 SH   DFND 1 0 51,765 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   356,504 11,456 SH   DFND 0 11,456 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,062,201 39,940 SH   DFND 1 0 39,940 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   214,046 2,792 SH   DFND 0 2,792 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,977,162 54,759 SH   DFND 1 0 54,759 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   125,042 1,722 SH   DFND 0 1,722 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,380,636 19,088 SH   DFND 1 0 19,088 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   79,347 1,097 SH   DFND 0 1,097 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,785,992 14,567 SH   DFND 1 0 14,567 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   81,130 312 SH   DFND 0 312 0
VANGUARD INDEX FDS VALUE ETF 922908744   521,036 3,199 SH   DFND 1 0 3,199 0
VANGUARD INDEX FDS VALUE ETF 922908744   87,944 540 SH   DFND 0 540 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,640,560 39,276 SH   DFND 1 0 39,276 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   164,076 3,928 SH   DFND 0 3,928 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,107,317 19,071 SH   DFND 1 0 19,071 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   17,166 155 SH   DFND 0 155 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   850,400 14,500 SH   DFND 1 0 14,500 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   163,894 3,422 SH   DFND 1 0 3,422 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   66,146 1,381 SH   DFND 0 1,381 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,036,600 25,296 SH   DFND 1 0 25,296 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,908 36 SH   DFND 0 36 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,344,680 109,259 SH   DFND 1 0 109,259 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   380,222 6,548 SH   DFND 0 6,548 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,904,777 81,340 SH   DFND 1 0 81,340 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   636,360 10,553 SH   DFND 0 10,553 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,003,703 20,006 SH   DFND 1 0 20,006 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,038 340 SH   DFND 0 340 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   466,971 3,860 SH   DFND 1 0 3,860 0
VANGUARD WORLD FD ESG US STK ETF 921910733   433,572 4,653 SH   DFND 1 0 4,653 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,426,130 24,815 SH   DFND 1 0 24,815 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   28,274 492 SH   DFND 0 492 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   551,616 7,800 SH   DFND 1 0 7,800 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   746,704 25,346 SH   DFND 1 0 25,346 0