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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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
ADOBE INC COM 00724F101   407,920 800 SH   SOLE   0 0 800
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   5,903,906 323,082 SH   SOLE   0 0 323,082
AMAZON COM INC COM 023135106   268,223 2,110 SH   SOLE   0 0 2,110
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   458,250 8,699 SH   SOLE   0 0 8,698
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,569,957 67,626 SH   SOLE   0 0 67,625
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,882,149 67,107 SH   SOLE   0 0 67,107
AMERICAN CENTY ETF TR US SML CP VALU 025072877   688,329 8,830 SH   SOLE   0 0 8,830
APPLE INC COM 037833100   2,218,715 12,959 SH   SOLE   0 0 12,959
CHEVRON CORP NEW COM 166764100   590,170 3,500 SH   SOLE   0 0 3,500
CONOCOPHILLIPS COM 20825C104   262,961 2,195 SH   SOLE   0 0 2,195
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   529,910 17,693 SH   SOLE   0 0 17,693
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   4,344,953 93,339 SH   SOLE   0 0 93,339
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,081,745 58,711 SH   SOLE   0 0 58,711
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   17,312,841 378,920 SH   SOLE   0 0 378,919
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   28,971,129 1,105,768 SH   SOLE   0 0 1,105,768
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   14,420,514 423,883 SH   SOLE   0 0 423,883
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   275,475 11,879 SH   SOLE   0 0 11,879
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   12,830,868 393,344 SH   SOLE   0 0 393,343
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   5,211,405 231,412 SH   SOLE   0 0 231,412
EXXON MOBIL CORP COM 30231G102   1,056,246 8,983 SH   SOLE   0 0 8,983
GENERAL ELECTRIC CO COM NEW 369604301   212,145 1,919 SH   SOLE   0 0 1,919
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   840,425 27,986 SH   SOLE   0 0 27,986
INTERNATIONAL BUSINESS MACHS COM 459200101   519,110 3,700 SH   SOLE   0 0 3,700
INVESCO QQQ TR UNIT SER 1 46090E103   1,703,574 4,755 SH   SOLE   0 0 4,755
ISHARES GOLD TR ISHARES NEW 464285204   262,880 7,513 SH   SOLE   0 0 7,513
ISHARES TR CORE S&P TTL STK 464287150   934,204 9,918 SH   SOLE   0 0 9,918
ISHARES TR EAFE VALUE ETF 464288877   344,445 7,040 SH   SOLE   0 0 7,039
ISHARES TR MSCI USA MMENTM 46432F396   429,438 3,074 SH   SOLE   0 0 3,074
ISHARES TR MSCI INTL MOMENT 46434V449   774,219 24,594 SH   SOLE   0 0 24,594
ISHARES TR CORE MSCI INTL 46435G326   409,053 7,019 SH   SOLE   0 0 7,018
M & T BK CORP COM 55261F104   622,329 4,922 SH   SOLE   0 0 4,921
MICROSOFT CORP COM 594918104   794,427 2,516 SH   SOLE   0 0 2,516
PIMCO NEW YORK MUN FD II COM 72200Y102   100,056 15,585 SH   SOLE   0 0 15,585
PIMCO NEW YORK MUN INCOME FD COM 72201E105   88,013 16,575 SH   SOLE   0 0 16,575
PROCTER AND GAMBLE CO COM 742718109   642,887 4,408 SH   SOLE   0 0 4,407
RYAN SPECIALTY HOLDINGS INC CL A 78351F107   1,488,397 30,752 SH   SOLE   0 0 30,752
SPDR S&P 500 ETF TR TR UNIT 78462F103   469,801 1,099 SH   SOLE   0 0 1,099
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   238,589 7,423 SH   SOLE   0 0 7,423
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   875,825 18,288 SH   SOLE   0 0 18,288
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,195,168 37,059 SH   SOLE   0 0 37,059
UNION PAC CORP COM 907818108   652,634 3,205 SH   SOLE   0 0 3,205
VANGUARD STAR FDS VG TL INTL STK F 921909768   233,347 4,360 SH   SOLE   0 0 4,360
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   415,358 1,683 SH   SOLE   0 0 1,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   227,601 3,028 SH   SOLE   0 0 3,027
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   246,249 5,208 SH   SOLE   0 0 5,208
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   634,987 16,311 SH   SOLE   0 0 16,311
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   562,176 9,760 SH   SOLE   0 0 9,760
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   681,356 11,922 SH   SOLE   0 0 11,922
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   207,625 1,066 SH   SOLE   0 0 1,066
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,323,177 15,516 SH   SOLE   0 0 15,515
VANGUARD INDEX FDS SM CP VAL ETF 922908611   471,443 2,956 SH   SOLE   0 0 2,955
VANGUARD INDEX FDS GROWTH ETF 922908736   3,961,838 14,549 SH   SOLE   0 0 14,549
VANGUARD INDEX FDS VALUE ETF 922908744   360,233 2,612 SH   SOLE   0 0 2,611
VANGUARD INDEX FDS TOTAL STK MKT 922908769   382,126 1,799 SH   SOLE   0 0 1,799
WASTE MGMT INC DEL COM 94106L109   490,399 3,217 SH   SOLE   0 0 3,217