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
ALPHABET INC CAP STK CL A 02079K305   371,048 2,037 SH   SOLE   0 0 2,037
ALPHABET INC CAP STK CL C 02079K107   648,969 3,538 SH   SOLE   0 0 3,538
AMAZON COM INC COM 023135106   455,104 2,355 SH   SOLE   0 0 2,355
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   8,796,477 135,435 SH   SOLE   0 0 135,435
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,553,475 61,898 SH   SOLE   0 0 61,898
APPLE INC COM 037833100   2,756,402 13,087 SH   SOLE   0 0 13,087
BANK AMERICA CORP COM 060505104   307,740 7,738 SH   SOLE   0 0 7,738
BROADCOM INC COM 11135F101   647,029 403 SH   SOLE   0 0 403
CADENCE BANK COM 12740C103   483,022 17,080 SH   SOLE   0 0 17,080
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   808,832 36,401 SH   SOLE   0 0 36,401
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   984,670 36,673 SH   SOLE   0 0 36,673
CHEVRON CORP NEW COM 166764100   204,910 1,310 SH   SOLE   0 0 1,310
CISCO SYS INC COM 17275R102   210,849 4,438 SH   SOLE   0 0 4,438
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,036,677 19,986 SH   SOLE   0 0 19,986
EXXON MOBIL CORP COM 30231G102   259,591 2,255 SH   SOLE   0 0 2,255
INSPERITY INC COM 45778Q107   1,109,570 12,165 SH   SOLE   0 0 12,165
INTERNATIONAL BUSINESS MACHS COM 459200101   798,683 4,618 SH   SOLE   0 0 4,618
INVESCO QQQ TR UNIT SER 1 46090E103   56,477,103 117,879 SH   SOLE   0 0 117,879
ISHARES INC CORE MSCI EMKT 46434G103   2,943,187 54,983 SH   SOLE   0 0 54,983
ISHARES INC ESG AWR MSCI EM 46434G863   5,023,303 149,815 SH   SOLE   0 0 149,815
ISHARES TR 20 YR TR BD ETF 464287432   3,110,434 33,890 SH   SOLE   0 0 33,890
ISHARES TR COHEN STEER REIT 464287564   768,441 13,414 SH   SOLE   0 0 13,414
ISHARES TR CORE INTL AGGR 46435G672   663,197 13,285 SH   SOLE   0 0 13,285
ISHARES TR CORE S&P500 ETF 464287200   1,223,643 2,236 SH   SOLE   0 0 2,236
ISHARES TR CORE S&P MCP ETF 464287507   688,144 11,759 SH   SOLE   0 0 11,759
ISHARES TR CORE S&P SCP ETF 464287804   1,185,934 11,120 SH   SOLE   0 0 11,120
ISHARES TR CORE US AGGBD ET 464287226   1,996,053 20,563 SH   SOLE   0 0 20,563
ISHARES TR CRE U S REIT ETF 464288521   413,001 7,711 SH   SOLE   0 0 7,711
ISHARES TR FALN ANGLS USD 46435G474   222,545 8,497 SH   SOLE   0 0 8,497
ISHARES TR IBOXX INV CP ETF 464287242   642,877 6,001 SH   SOLE   0 0 6,001
ISHARES TR MSCI ACWI ETF 464288257   3,791,987 33,737 SH   SOLE   0 0 33,737
ISHARES TR EAFE SML CP ETF 464288273   1,273,883 20,667 SH   SOLE   0 0 20,667
ISHARES TR MSCI INTL QUALTY 46434V456   5,209,798 133,414 SH   SOLE   0 0 133,414
ISHARES TR NATIONAL MUN ETF 464288414   253,992 2,384 SH   SOLE   0 0 2,384
ISHARES TR RUS 2000 GRW ETF 464287648   740,259 2,820 SH   SOLE   0 0 2,820
ISHARES TR RUS MD CP GR ETF 464287481   2,344,112 21,242 SH   SOLE   0 0 21,242
ISHARES TR RUS MDCP VAL ETF 464287473   867,855 7,188 SH   SOLE   0 0 7,188
ISHARES TR S&P 500 GRWT ETF 464287309   652,592 7,052 SH   SOLE   0 0 7,052
ISHARES TR S&P MC 400GR ETF 464287606   207,587 2,356 SH   SOLE   0 0 2,356
ISHARES TR SP SMCP600VL ETF 464287879   810,076 8,328 SH   SOLE   0 0 8,328
ISHARES TR SHORT TREAS BD 464288679   336,252 3,043 SH   SOLE   0 0 3,043
ISHARES TR SHRT NAT MUN ETF 464288158   1,175,871 11,247 SH   SOLE   0 0 11,247
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,035,931 20,414 SH   SOLE   0 0 20,414
JPMORGAN CHASE & CO COM 46625H100   583,318 2,884 SH   SOLE   0 0 2,884
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   28,982 10,616 SH   SOLE   0 0 10,616
MERCK & CO INC COM 58933Y105   379,199 3,063 SH   SOLE   0 0 3,063
META PLATFORMS INC CL A 30303M102   1,032,238 2,047 SH   SOLE   0 0 2,047
MICROSOFT CORP COM 594918104   1,046,599 2,342 SH   SOLE   0 0 2,342
MORGAN STANLEY COM NEW 617446448   225,870 2,324 SH   SOLE   0 0 2,324
NOVARTIS AG SPONSORED ADR 66987V109   236,661 2,223 SH   SOLE   0 0 2,223
NVIDIA CORPORATION COM 67066G104   936,376 7,580 SH   SOLE   0 0 7,580
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,451,960 24,361 SH   SOLE   0 0 24,361
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,797,549 255,012 SH   SOLE   0 0 255,012
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   23,635,566 303,957 SH   SOLE   0 0 303,957
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   451,846 11,764 SH   SOLE   0 0 11,764
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,640,724 14,422 SH   SOLE   0 0 14,422
SPDR S&P 500 ETF TR TR UNIT 78462F103   936,058 1,720 SH   SOLE   0 0 1,720
SPDR SER TR PRTFLO S&P500 GW 78464A409   7,536,563 94,054 SH   SOLE   0 0 94,054
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,979,885 122,689 SH   SOLE   0 0 122,689
T ROWE PRICE ETF INC US HIGH YIELD 87283Q875   1,491,414 28,926 SH   SOLE   0 0 28,926
TESLA INC COM 88160R101   302,163 1,527 SH   SOLE   0 0 1,527
THERMO FISHER SCIENTIFIC INC COM 883556102   205,163 371 SH   SOLE   0 0 371
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,352,047 71,465 SH   SOLE   0 0 71,465
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   423,809 5,526 SH   SOLE   0 0 5,526
VANGUARD INDEX FDS GROWTH ETF 922908736   8,046,211 21,513 SH   SOLE   0 0 21,513
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,283,663 37,191 SH   SOLE   0 0 37,191
VANGUARD INDEX FDS MID CAP ETF 922908629   1,857,319 7,672 SH   SOLE   0 0 7,672
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,233,159 9,728 SH   SOLE   0 0 9,728
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   995,993 6,621 SH   SOLE   0 0 6,621
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,740,079 32,713 SH   SOLE   0 0 32,713
VANGUARD INDEX FDS SMALL CP ETF 922908751   465,523 2,135 SH   SOLE   0 0 2,135
VANGUARD INDEX FDS SML CP GRW ETF 922908595   883,502 3,532 SH   SOLE   0 0 3,532
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,246,784 4,661 SH   SOLE   0 0 4,661
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,390,223 11,833 SH   SOLE   0 0 11,833
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   342,116 7,818 SH   SOLE   0 0 7,818
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,540,104 49,189 SH   SOLE   0 0 49,189
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,488,753 29,710 SH   SOLE   0 0 29,710
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   292,628 1,603 SH   SOLE   0 0 1,603
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,075,472 345,518 SH   SOLE   0 0 345,518
VISA INC COM CL A 92826C839   410,018 1,562 SH   SOLE   0 0 1,562