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
AMCOR PLC ORD G0250X107   238,941 23,942 SH   SOLE   0 0 23,942
EATON CORP PLC SHS G29183103   241,320 1,200 SH   SOLE   0 0 1,200
LINDE PLC SHS G54950103   363,931 955 SH   SOLE   0 0 955
MEDTRONIC PLC SHS G5960L103   274,079 3,111 SH   SOLE   0 0 3,111
PENTAIR PLC SHS G7S00T104   341,540 5,287 SH   SOLE   0 0 5,287
STERIS PLC SHS USD G8473T100   359,968 1,600 SH   SOLE   0 0 1,600
CHUBB LIMITED COM H1467J104   249,558 1,296 SH   SOLE   0 0 1,296
AFLAC INC COM 001055102   286,110 4,099 SH   SOLE   0 0 4,099
ABBOTT LABS COM 002824100   307,763 2,823 SH   SOLE   0 0 2,823
ABBVIE INC COM 00287Y109   361,211 2,681 SH   SOLE   0 0 2,681
AIR PRODS & CHEMS INC COM 009158106   285,752 954 SH   SOLE   0 0 954
ALBEMARLE CORP COM 012653101   272,170 1,220 SH   SOLE   0 0 1,220
EA SERIES TRUST BRIDGEWAY BLUE 02072L714   196,768 19,998 SH   SOLE   0 0 19,998
ALPHABET INC CAP STK CL C 02079K107   315,006 2,604 SH   SOLE   0 0 2,604
ALPHABET INC CAP STK CL A 02079K305   727,058 6,074 SH   SOLE   0 0 6,074
AMAZON COM INC COM 023135106   1,084,595 8,320 SH   SOLE   0 0 8,320
AMERICAN EXPRESS CO COM 025816109   474,172 2,722 SH   SOLE   0 0 2,722
APPLE INC COM 037833100   1,306,109 6,734 SH   SOLE   0 0 6,734
ARCHER DANIELS MIDLAND CO COM 039483102   285,088 3,773 SH   SOLE   0 0 3,773
ATMOS ENERGY CORP COM 049560105   275,958 2,372 SH   SOLE   0 0 2,372
AUTOMATIC DATA PROCESSING IN COM 053015103   297,156 1,352 SH   SOLE   0 0 1,352
BECTON DICKINSON & CO COM 075887109   288,299 1,092 SH   SOLE   0 0 1,092
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,001,176 2,936 SH   SOLE   0 0 2,936
BROWN & BROWN INC COM 115236101   217,810 3,164 SH   SOLE   0 0 3,164
BROWN FORMAN CORP CL B 115637209   263,848 3,951 SH   SOLE   0 0 3,951
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   1,738,172 78,085 SH   SOLE   0 0 78,085
CARDINAL HEALTH INC COM 14149Y108   308,771 3,265 SH   SOLE   0 0 3,265
CATERPILLAR INC COM 149123101   311,991 1,268 SH   SOLE   0 0 1,268
CHEVRON CORP NEW COM 166764100   273,160 1,736 SH   SOLE   0 0 1,736
CHURCH & DWIGHT CO INC COM 171340102   350,103 3,493 SH   SOLE   0 0 3,493
CINCINNATI FINL CORP COM 172062101   374,542 3,849 SH   SOLE   0 0 3,849
CINTAS CORP COM 172908105   326,084 656 SH   SOLE   0 0 656
CLOROX CO DEL COM 189054109   281,501 1,770 SH   SOLE   0 0 1,770
COCA COLA CO COM 191216100   417,806 6,938 SH   SOLE   0 0 6,938
COLGATE PALMOLIVE CO COM 194162103   292,675 3,799 SH   SOLE   0 0 3,799
CONSOLIDATED EDISON INC COM 209115104   240,645 2,662 SH   SOLE   0 0 2,662
CORVEL CORP COM 221006109   261,612 1,352 SH   SOLE   0 0 1,352
CRONOS GROUP INC COM 22717L101   35,661 18,102 SH   SOLE   0 0 18,102
DBX ETF TR XTRACK USD HIGH 233051432   2,438,667 70,686 SH   SOLE   0 0 70,686
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   390,818 8,115 SH   SOLE   0 0 8,115
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   352,693 6,436 SH   SOLE   0 0 6,436
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   364,904 7,866 SH   SOLE   0 0 7,866
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   501,141 18,458 SH   SOLE   0 0 18,458
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   550,482 15,956 SH   SOLE   0 0 15,956
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   274,981 12,050 SH   SOLE   0 0 12,050
DOVER CORP COM 260003108   343,582 2,327 SH   SOLE   0 0 2,327
ECOLAB INC COM 278865100   260,619 1,396 SH   SOLE   0 0 1,396
EMERSON ELEC CO COM 291011104   287,259 3,178 SH   SOLE   0 0 3,178
ESSEX PPTY TR INC COM 297178105   242,266 1,034 SH   SOLE   0 0 1,034
EXPEDITORS INTL WASH INC COM 302130109   314,696 2,598 SH   SOLE   0 0 2,598
EXXON MOBIL CORP COM 30231G102   562,795 5,248 SH   SOLE   0 0 5,248
META PLATFORMS INC CL A 30303M102   1,085,645 3,783 SH   SOLE   0 0 3,783
FARMERS & MERCHANTS BANCORP COM 30779N105   261,274 11,607 SH   SOLE   0 0 11,607
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   253,634 2,621 SH   SOLE   0 0 2,621
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   222,739 4,395 SH   SOLE   0 0 4,395
FRANKLIN RESOURCES INC COM 354613101   259,140 9,702 SH   SOLE   0 0 9,702
GAMESTOP CORP NEW CL A 36467W109   205,713 8,483 SH   SOLE   0 0 8,483
GENERAL DYNAMICS CORP COM 369550108   349,493 1,624 SH   SOLE   0 0 1,624
GENUINE PARTS CO COM 372460105   314,260 1,857 SH   SOLE   0 0 1,857
GRAINGER W W INC COM 384802104   393,506 499 SH   SOLE   0 0 499
HORMEL FOODS CORP COM 440452100   250,168 6,220 SH   SOLE   0 0 6,220
IDEXX LABS INC COM 45168D104   421,873 840 SH   SOLE   0 0 840
ILLINOIS TOOL WKS INC COM 452308109   396,003 1,583 SH   SOLE   0 0 1,583
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   793,459 33,116 SH   SOLE   0 0 33,116
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   250,788 3,019 SH   SOLE   0 0 3,019
INTERNATIONAL BUSINESS MACHS COM 459200101   289,699 2,165 SH   SOLE   0 0 2,165
INVESCO QQQ TR UNIT SER 1 46090E103   2,176,502 5,892 SH   SOLE   0 0 5,892
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   356,609 9,328 SH   SOLE   0 0 9,328
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563   498,471 25,935 SH   SOLE   0 0 25,935
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,026,692 37,539 SH   SOLE   0 0 37,539
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,139,708 90,974 SH   SOLE   0 0 90,974
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   201,509 3,208 SH   SOLE   0 0 3,208
ISHARES INC EM MKTS DIV ETF 464286319   2,865,863 116,974 SH   SOLE   0 0 116,974
ISHARES TR CORE US AGGBD ET 464287226   2,060,476 21,036 SH   SOLE   0 0 21,036
ISHARES TR MSCI EAFE ETF 464287465   1,276,798 17,611 SH   SOLE   0 0 17,611
ISHARES TR ISHS 5-10YR INVT 464288638   3,594,971 71,089 SH   SOLE   0 0 71,089
ISHARES TR IBONDS DEC2023 46435G318   233,743 9,170 SH   SOLE   0 0 9,170
ISHARES TR CORE INTL AGGR 46435G672   752,264 15,262 SH   SOLE   0 0 15,262
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   331,980 6,000 SH   SOLE   0 0 6,000
JOHNSON & JOHNSON COM 478160104   482,055 2,912 SH   SOLE   0 0 2,912
KIMBERLY-CLARK CORP COM 494368103   272,669 1,975 SH   SOLE   0 0 1,975
LOCKHEED MARTIN CORP COM 539830109   204,580 444 SH   SOLE   0 0 444
LOWES COS INC COM 548661107   530,169 2,349 SH   SOLE   0 0 2,349
MACYS INC COM 55616P104   192,295 11,981 SH   SOLE   0 0 11,981
MCCORMICK & CO INC COM NON VTG 579780206   327,025 3,749 SH   SOLE   0 0 3,749
MCDONALDS CORP COM 580135101   365,254 1,224 SH   SOLE   0 0 1,224
MERCK & CO INC COM 58933Y105   203,894 1,767 SH   SOLE   0 0 1,767
MICROSOFT CORP COM 594918104   1,447,662 4,251 SH   SOLE   0 0 4,251
NEXTERA ENERGY INC COM 65339F101   247,680 3,338 SH   SOLE   0 0 3,338
NORTHERN LTS FD TR IV INSPIRE 100 ETF 66538H534   278,118 8,456 SH   SOLE   0 0 8,456
NUCOR CORP COM 670346105   443,074 2,702 SH   SOLE   0 0 2,702
NVIDIA CORPORATION COM 67066G104   1,438,491 3,401 SH   SOLE   0 0 3,401
OMNICELL COM COM 68213N109   210,696 2,860 SH   SOLE   0 0 2,860
PDC ENERGY INC COM 69327R101   323,616 4,549 SH   SOLE   0 0 4,549
PPG INDS INC COM 693506107   333,082 2,246 SH   SOLE   0 0 2,246
PEPSICO INC COM 713448108   412,670 2,228 SH   SOLE   0 0 2,228
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   506,327 14,857 SH   SOLE   0 0 14,857
PIMCO ETF TR INTER MUN BD ACT 72201R866   456,866 8,813 SH   SOLE   0 0 8,813
PRICE T ROWE GROUP INC COM 74144T108   271,985 2,428 SH   SOLE   0 0 2,428
PROCTER AND GAMBLE CO COM 742718109   671,601 4,426 SH   SOLE   0 0 4,426
PROGRESSIVE CORP COM 743315103   382,417 2,889 SH   SOLE   0 0 2,889
PROSHARES TR BITCOIN STRATE 74347G440   342,622 20,178 SH   SOLE   0 0 20,178
REALTY INCOME CORP COM 756109104   267,859 4,480 SH   SOLE   0 0 4,480
R1 RCM INC COM 77634L105   215,201 11,664 SH   SOLE   0 0 11,664
ROPER TECHNOLOGIES INC COM 776696106   315,405 656 SH   SOLE   0 0 656
S&P GLOBAL INC COM 78409V104   343,563 857 SH   SOLE   0 0 857
SPDR GOLD TR GOLD SHS 78463V107   278,101 1,560 SH   SOLE   0 0 1,560
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,857,899 54,040 SH   SOLE   0 0 54,040
SPDR SER TR BBG CONV SEC ETF 78464A359   995,948 14,238 SH   SOLE   0 0 14,238
SPDR SER TR PORTFOLIO INTRMD 78464A375   306,233 9,537 SH   SOLE   0 0 9,537
SPDR SER TR PORTFOLIO SHORT 78464A474   4,594,612 156,067 SH   SOLE   0 0 156,067
SPDR SER TR S&P DIVID ETF 78464A763   496,694 4,052 SH   SOLE   0 0 4,052
SPDR SER TR BLOOMBERG INVT 78468R200   699,180 22,782 SH   SOLE   0 0 22,782
SPDR SER TR PORTFLI HIGH YLD 78468R606   884,662 38,733 SH   SOLE   0 0 38,733
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,577,489 28,071 SH   SOLE   0 0 28,071
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   244,426 5,263 SH   SOLE   0 0 5,263
SAIA INC COM 78709Y105   366,379 1,070 SH   SOLE   0 0 1,070
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   962,808 12,846 SH   SOLE   0 0 12,846
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   330,290 4,650 SH   SOLE   0 0 4,650
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   824,202 25,525 SH   SOLE   0 0 25,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   571,969 16,044 SH   SOLE   0 0 16,044
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   643,240 13,935 SH   SOLE   0 0 13,935
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   281,584 5,859 SH   SOLE   0 0 5,859
SCHWAB STRATEGIC TR US TIPS ETF 808524870   891,729 17,008 SH   SOLE   0 0 17,008
SHERWIN WILLIAMS CO COM 824348106   330,041 1,243 SH   SOLE   0 0 1,243
SMITH A O CORP COM 831865209   276,637 3,801 SH   SOLE   0 0 3,801
STANLEY BLACK & DECKER INC COM 854502101   246,738 2,633 SH   SOLE   0 0 2,633
SYSCO CORP COM 871829107   309,043 4,165 SH   SOLE   0 0 4,165
TARGET CORP COM 87612E106   246,291 1,867 SH   SOLE   0 0 1,867
TESLA INC COM 88160R101   425,900 1,627 SH   SOLE   0 0 1,627
3M CO COM 88579Y101   352,217 3,519 SH   SOLE   0 0 3,519
UNITEDHEALTH GROUP INC COM 91324P102   449,577 935 SH   SOLE   0 0 935
VANECK ETF TRUST IG FLOATING RATE 92189F486   710,914 28,155 SH   SOLE   0 0 28,155
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   221,686 4,318 SH   SOLE   0 0 4,318
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,419,510 27,209 SH   SOLE   0 0 27,209
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   616,334 5,940 SH   SOLE   0 0 5,940
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,172,579 95,342 SH   SOLE   0 0 95,342
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,590,540 34,280 SH   SOLE   0 0 34,280
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   377,565 3,560 SH   SOLE   0 0 3,560
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,221,436 42,901 SH   SOLE   0 0 42,901
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,818,097 29,197 SH   SOLE   0 0 29,197
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   360,018 8,850 SH   SOLE   0 0 8,850
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,582,403 20,023 SH   SOLE   0 0 20,023
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   305,495 3,656 SH   SOLE   0 0 3,656
VANGUARD INDEX FDS SML CP GRW ETF 922908595   477,118 2,077 SH   SOLE   0 0 2,077
VANGUARD INDEX FDS SM CP VAL ETF 922908611   454,799 2,750 SH   SOLE   0 0 2,750
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,170,788 5,775 SH   SOLE   0 0 5,775
VANGUARD INDEX FDS GROWTH ETF 922908736   308,085 1,089 SH   SOLE   0 0 1,089
VANGUARD INDEX FDS VALUE ETF 922908744   2,576,415 18,131 SH   SOLE   0 0 18,131
VANGUARD INDEX FDS SMALL CP ETF 922908751   954,687 4,800 SH   SOLE   0 0 4,800
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,124,339 5,104 SH   SOLE   0 0 5,104
VISA INC COM CL A 92826C839   658,295 2,772 SH   SOLE   0 0 2,772
WALMART INC COM 931142103   487,172 3,099 SH   SOLE   0 0 3,099
WALGREENS BOOTS ALLIANCE INC COM 931427108   207,008 7,266 SH   SOLE   0 0 7,266
WEST PHARMACEUTICAL SVSC INC COM 955306105   289,530 757 SH   SOLE   0 0 757
WILLSCOT MOBIL MINI HLDNG CO COM CL A 971378104   407,649 8,530 SH   SOLE   0 0 8,530
WISDOMTREE TR US HIGH DIVIDEND 97717W208   595,581 7,485 SH   SOLE   0 0 7,485
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   725,162 14,411 SH   SOLE   0 0 14,411