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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
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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
AMERICAN CENTY ETF TR US SML CP VALU 025072877   523,868 6,750 SH   SOLE   6,750 0 0
APPLE INC COM 037833100   432,328 2,229 SH   SOLE   2,229 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   943,360 34,530 SH   SOLE   34,530 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,407,476 29,225 SH   SOLE   29,225 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,132,716 20,670 SH   SOLE   20,670 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   331,689 7,150 SH   SOLE   7,150 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   347,853 13,695 SH   SOLE   13,695 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,069,974 49,720 SH   SOLE   49,720 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,123,466 11,162 SH   SOLE   11,162 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,748,999 34,668 SH   SOLE   34,668 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,381,874 5,344 SH   SOLE   5,344 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,031,567 26,076 SH   SOLE   26,076 0 0
ISHARES TR S&P 500 VAL ETF 464287408   526,124 3,264 SH   SOLE   3,264 0 0
ISHARES TR MSCI EAFE ETF 464287465   348,435 4,806 SH   SOLE   4,806 0 0
ISHARES TR RUS MID CAP ETF 464287499   591,908 8,105 SH   SOLE   8,105 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,628,125 8,694 SH   SOLE   8,694 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,199,156 42,139 SH   SOLE   42,139 0 0
ISHARES TR SP SMCP600VL ETF 464287879   293,671 3,088 SH   SOLE   3,088 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,373,366 20,346 SH   SOLE   20,346 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,368,286 27,760 SH   SOLE   27,760 0 0
MICROSOFT CORP COM 594918104   228,291 670 SH   SOLE   670 0 0
NVIDIA CORPORATION COM 67066G104   265,120 627 SH   SOLE   627 0 0
PEPSICO INC COM 713448108   273,595 1,477 SH   SOLE   1,477 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,733,888 12,935 SH   SOLE   12,935 0 0
SPDR GOLD TR GOLD SHS 78463V107   608,970 3,416 SH   SOLE   3,416 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   6,016,965 65,530 SH   SOLE   65,530 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   535,456 21,740 SH   SOLE   21,740 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,955,734 103,116 SH   SOLE   103,116 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   200,317 384 SH   SOLE   384 0 0
TIMKENSTEEL CORPORATION COM 887399103   290,138 13,451 SH   SOLE   13,451 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   233,930 6,560 SH   SOLE   6,560 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,168,795 28,829 SH   SOLE   28,829 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,516,868 86,236 SH   SOLE   86,236 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,207,554 156,075 SH   SOLE   156,075 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   234,624 4,800 SH   SOLE   4,800 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,852,116 70,111 SH   SOLE   70,111 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,176,912 5,345 SH   SOLE   5,345 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,882,807 34,500 SH   SOLE   34,500 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   706,074 3,483 SH   SOLE   3,483 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   256,977 908 SH   SOLE   908 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   913,045 4,591 SH   SOLE   4,591 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,274,874 14,867 SH   SOLE   14,867 0 0