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
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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
ALTRIA GROUP INC COM 02209S103   389,086 8,720 SH   SOLE 0 0 0 8,720
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,087,371 55,190 SH   SOLE 0 0 0 55,190
AMERICAN CENTY ETF TR US EQT ETF 025072885   584,973 8,253 SH   SOLE 0 0 0 8,253
AT&T INC COM 00206R102   276,623 14,370 SH   SOLE 0 0 0 14,370
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE 0 0 0 1
BLACKROCK MULTI SECTOR INC T COM 09258A107   332,827 22,812 SH   SOLE 0 0 0 22,812
BLACKROCK UTILS INFRASTRUCTU COM 09248D104   374,328 15,610 SH   SOLE 0 0 0 15,610
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   12,824,866 541,362 SH   SOLE 0 0 0 541,362
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,052,687 82,305 SH   SOLE 0 0 0 82,305
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   8,076,480 354,387 SH   SOLE 0 0 0 354,387
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   2,076,382 92,448 SH   SOLE 0 0 0 92,448
CHEVRON CORP NEW COM 166764100   391,584 2,400 SH   SOLE 0 0 0 2,400
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   3,207,361 127,580 SH   SOLE 0 0 0 127,580
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,014,176 148,949 SH   SOLE 0 0 0 148,949
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,098,319 91,152 SH   SOLE 0 0 0 91,152
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   21,987,227 862,921 SH   SOLE 0 0 0 862,921
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,212,522 136,860 SH   SOLE 0 0 0 136,860
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,586,851 68,814 SH   SOLE 0 0 0 68,814
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,319,959 30,820 SH   SOLE 0 0 0 30,820
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,108,110 73,132 SH   SOLE 0 0 0 73,132
ECOLAB INC COM 278865100   332,715 2,010 SH   SOLE 0 0 0 2,010
EXXON MOBIL CORP COM 30231G102   484,368 4,417 SH   SOLE 0 0 0 4,417
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   382,188 3,354 SH   SOLE 0 0 0 3,354
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   3,234,150 202,641 SH   SOLE 0 0 0 202,641
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101   475,790 20,255 SH   SOLE 0 0 0 20,255
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   4,238,445 93,688 SH   SOLE 0 0 0 93,688
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101   16,448,439 247,732 SH   SOLE 0 0 0 247,732
FORD MTR CO DEL COM 345370860   141,196 11,206 SH   SOLE 0 0 0 11,206
ISHARES TR EAFE VALUE ETF 464288877   574,741 11,843 SH   SOLE 0 0 0 11,843
ISHARES TR EAFE GRWTH ETF 464288885   533,320 5,693 SH   SOLE 0 0 0 5,693
ISHARES TR MBS ETF 464288588   421,927 4,454 SH   SOLE 0 0 0 4,454
ISHARES TR CORE S&P500 ETF 464287200   573,457 1,395 SH   SOLE 0 0 0 1,395
ISHARES TR 1 3 YR TREAS BD 464287457   4,103,070 49,940 SH   SOLE 0 0 0 49,940
ISHARES TR MSCI USA VALUE 46432F388   241,660 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR MSCI USA QLT FCT 46432F339   1,115,841 8,994 SH   SOLE 0 0 0 8,994
ISHARES TR CORE TOTAL USD 46434V613   290,237 6,289 SH   SOLE 0 0 0 6,289
ISHARES TR US TREAS BD ETF 46429B267   1,585,702 67,823 SH   SOLE 0 0 0 67,823
ISHARES TR MSCI ACWI ETF 464288257   1,530,668 16,791 SH   SOLE 0 0 0 16,791
ISHARES TR FALN ANGLS USD 46435G474   300,157 11,878 SH   SOLE 0 0 0 11,878
ISHARES TR ESG AWR MSCI USA 46435G425   1,809,633 20,007 SH   SOLE 0 0 0 20,007
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842   1,481,865 46,468 SH   SOLE 0 0 0 46,468
LILLY ELI & CO COM 532457108   283,665 826 SH   SOLE 0 0 0 826
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   227,028 15,865 SH   SOLE 0 0 0 15,865
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   206,463 4,924 SH   SOLE 0 0 0 4,924
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   229,906 4,901 SH   SOLE 0 0 0 4,901
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   410,819 8,637 SH   SOLE 0 0 0 8,637
SELECT SECTOR SPDR TR ENERGY 81369Y506   273,505 3,302 SH   SOLE 0 0 0 3,302
SPDR SER TR PORTFOLIO S&P500 78464A854   3,854,022 80,042 SH   SOLE 0 0 0 80,042
SPDR SER TR PORTFOLIO INTRMD 78464A375   343,257 10,565 SH   SOLE 0 0 0 10,565
SPDR SER TR SSGA US LRG ETF 78468R804   226,678 1,657 SH   SOLE 0 0 0 1,657
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,022,534 2,719 SH   SOLE 0 0 0 2,719
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   167,753 15,195 SH   SOLE 0 0 0 15,195
WISDOMTREE TR EM EX ST-OWNED 97717X578   223,722 8,036 SH   SOLE 0 0 0 8,036