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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
OMB APPROVAL
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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
ALPHABET INC CAP STK CL A 02079K305   1,439,419 9,537 SH   SOLE   0 0 9,537
AMAZON COM INC COM 023135106   1,347,799 7,472 SH   SOLE   0 0 7,472
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,689,096 50,038 SH   SOLE   0 0 50,038
APPLE INC COM 037833100   1,732,291 10,102 SH   SOLE   0 0 10,102
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   85,096,903 2,663,440 SH   SOLE   0 0 2,663,440
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   23,141,751 425,165 SH   SOLE   0 0 425,165
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   14,344,575 563,859 SH   SOLE   0 0 563,859
ELI LILLY & CO COM 532457108   231,054 297 SH   SOLE   0 0 297
EXXON MOBIL CORP COM 30231G102   217,718 1,873 SH   SOLE   0 0 1,873
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   3,183,152 75,039 SH   SOLE   0 0 75,039
ISHARES TR 10-20 YR TRS ETF 464288653   3,612,695 34,397 SH   SOLE   0 0 34,397
ISHARES TR NATIONAL MUN ETF 464288414   205,006 1,905 SH   SOLE   0 0 1,905
ISHARES TR NEW YORK MUN ETF 464288323   1,098,736 20,419 SH   SOLE   0 0 20,419
ISHARES TR CORE MSCI EAFE 46432F842   35,178,000 473,969 SH   SOLE   0 0 473,969
ISHARES TR IBONDS DEC25 ETF 46434VBD1   759,587 30,616 SH   SOLE   0 0 30,616
ISHARES TR IBONDS DEC24 ETF 46434VBG4   924,370 36,901 SH   SOLE   0 0 36,901
ISHARES TR U S EQUITY FACTR 46434V282   23,330,809 433,578 SH   SOLE   0 0 433,578
ISHARES TR IBONDS DEC2026 46435GAA0   771,775 32,360 SH   SOLE   0 0 32,360
ISHARES TR IBONDS 26 TRM TS 46436E858   514,200 22,642 SH   SOLE   0 0 22,642
ISHARES TR IBONDS 25 TRM TS 46436E866   506,886 21,820 SH   SOLE   0 0 21,820
ISHARES TR IBONDS 24 TRM TS 46436E874   690,719 28,852 SH   SOLE   0 0 28,852
META PLATFORMS INC CL A 30303M102   829,371 1,708 SH   SOLE   0 0 1,708
MICROSOFT CORP COM 594918104   1,685,825 4,007 SH   SOLE   0 0 4,007
NVIDIA CORPORATION COM 67066G104   636,106 704 SH   SOLE   0 0 704
PNC FINL SVCS GROUP INC COM 693475105   349,056 2,160 SH   SOLE   0 0 2,160
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   579,368 7,977 SH   SOLE   0 0 7,977
VANGUARD INDEX FDS TOTAL STK MKT 922908769   331,753 1,276 SH   SOLE   0 0 1,276
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   453,899 2,590 SH   SOLE   0 0 2,590
VANGUARD INDEX FDS VALUE ETF 922908744   14,518,771 89,149 SH   SOLE   0 0 89,149
VANGUARD INDEX FDS MID CAP ETF 922908629   30,324,263 121,365 SH   SOLE   0 0 121,365
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,111,240 5,791 SH   SOLE   0 0 5,791
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   74,569,196 155,126 SH   SOLE   0 0 155,126
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   823,573 19,717 SH   SOLE   0 0 19,717
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,377,948 70,536 SH   SOLE   0 0 70,536
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   272,460 3,524 SH   SOLE   0 0 3,524
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   928,701 18,511 SH   SOLE   0 0 18,511
VANGUARD WORLD FD UTILITIES ETF 92204A876   573,493 4,022 SH   SOLE   0 0 4,022
VANGUARD WORLD FD EXTENDED DUR 921910709   7,476,830 97,609 SH   SOLE   0 0 97,609