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
Estimated average burden
hours per response: 23.8
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 C 02079K107   6,852 45 SH   SOLE   0 0 45
ALPHABET INC CAP STK CL A 02079K305   588,023 3,896 SH   SOLE   0 0 3,896
AMAZON COM INC COM 023135106   910,017 5,045 SH   SOLE   0 0 5,045
AON PLC SHS CL A G0403H108   427,129 1,280 SH   SOLE   0 0 1,280
APPLE INC COM 037833100   3,578,984 20,871 SH   SOLE   0 0 20,871
APPLIED MATLS INC COM 038222105   257,581 1,249 SH   SOLE   0 0 1,249
BANCO SANTANDER S.A. ADR 05964H105   55,491 11,465 SH   SOLE   0 0 11,465
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   508,409 1,209 SH   SOLE   0 0 1,209
BLACKROCK CORE BD TR SHS BEN INT 09249E101   3,648,866 337,858 SH   SOLE   0 0 337,858
BLACKROCK INC COM 09247X101   298,465 358 SH   SOLE   0 0 358
BOOKING HOLDINGS INC COM 09857L108   341,021 94 SH   SOLE   0 0 94
BROADCOM INC COM 11135F101   516,910 390 SH   SOLE   0 0 390
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   289,901 10,066 SH   SOLE   0 0 10,066
CATERPILLAR INC COM 149123101   303,770 829 SH   SOLE   0 0 829
CHEVRON CORP NEW COM 166764100   340,162 2,156 SH   SOLE   0 0 2,156
CISCO SYS INC COM 17275R102   242,280 4,854 SH   SOLE   0 0 4,854
COCA COLA CO COM 191216100   417,984 6,832 SH   SOLE   0 0 6,832
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   3,618,556 99,030 SH   SOLE   0 0 99,030
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   184,063,428 6,090,782 SH   SOLE   0 0 6,090,782
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   71,054 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   15,834 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   392,029 13,072 SH   SOLE   0 0 13,072
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   4,194 81 SH   SOLE   0 0 81
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   381,068 11,927 SH   SOLE   0 0 11,927
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   4,129 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   36,565 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   193,073 7,574 SH   SOLE   0 0 7,574
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   284,489 10,463 SH   SOLE   0 0 10,463
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   349,221 13,055 SH   SOLE   0 0 13,055
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   22,638 616 SH   SOLE   0 0 616
DISNEY WALT CO COM 254687106   326,948 2,672 SH   SOLE   0 0 2,672
DOW INC COM 260557103   34,469,335 595,017 SH   SOLE   0 0 595,017
ELI LILLY & CO COM 532457108   4,090,463 5,258 SH   SOLE   0 0 5,258
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   241,314 15,341 SH   SOLE   0 0 15,341
EXXON MOBIL CORP COM 30231G102   408,840 3,517 SH   SOLE   0 0 3,517
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   20,620 250 SH   SOLE   0 0 250
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   9,516 200 SH   SOLE   0 0 200
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   65,340 1,100 SH   SOLE   0 0 1,100
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   75,003 1,075 SH   SOLE   0 0 1,075
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   24,751 365 SH   SOLE   0 0 365
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   15,584 100 SH   SOLE   0 0 100
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   53,025 1,250 SH   SOLE   0 0 1,250
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   158,317 41,994 SH   SOLE   0 0 41,994
GABELLI EQUITY TR INC COM 362397101   73,724 13,356 SH   SOLE   0 0 13,356
GENERAL ELECTRIC CO COM NEW 369604301   818,899 4,665 SH   SOLE   0 0 4,665
HOME DEPOT INC COM 437076102   316,854 826 SH   SOLE   0 0 826
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   170,130 1,675 SH   SOLE   0 0 1,675
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   46,343 1,100 SH   SOLE   0 0 1,100
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   340 2 SH   SOLE   0 0 2
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   113,880 2,000 SH   SOLE   0 0 2,000
INVESCO QQQ TR UNIT SER 1 46090E103   387,677 873 SH   SOLE   0 0 873
ISHARES INC MSCI WORLD ETF 464286392   67,238 464 SH   SOLE   0 0 464
ISHARES INC MSCI GBL MIN VOL 464286525   3,644,658 34,622 SH   SOLE   0 0 34,622
ISHARES INC CORE MSCI EMKT 46434G103   581,429 11,268 SH   SOLE   0 0 11,268
ISHARES TR CORE S&P TTL STK 464287150   124,524 1,080 SH   SOLE   0 0 1,080
ISHARES TR CORE US AGGBD ET 464287226   21,300,775 217,488 SH   SOLE   0 0 217,488
ISHARES TR IBOXX INV CP ETF 464287242   4,901 45 SH   SOLE   0 0 45
ISHARES TR S&P 500 GRWT ETF 464287309   313,104 3,708 SH   SOLE   0 0 3,708
ISHARES TR GLOB HLTHCRE ETF 464287325   45,085 484 SH   SOLE   0 0 484
ISHARES TR GLOBAL ENERG ETF 464287341   26,930 627 SH   SOLE   0 0 627
ISHARES TR RUS MDCP VAL ETF 464287473   218,483 1,743 SH   SOLE   0 0 1,743
ISHARES TR RUS MD CP GR ETF 464287481   77,178 676 SH   SOLE   0 0 676
ISHARES TR RUS MID CAP ETF 464287499   5,423 64 SH   SOLE   0 0 64
ISHARES TR CORE S&P MCP ETF 464287507   27,637 455 SH   SOLE   0 0 455
ISHARES TR ISHARES BIOTECH 464287556   17,427 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 GRW ETF 464287614   79,990 237 SH   SOLE   0 0 237
ISHARES TR RUS 1000 ETF 464287622   51,135 178 SH   SOLE   0 0 178
ISHARES TR RUS 2000 GRW ETF 464287648   37,863 140 SH   SOLE   0 0 140
ISHARES TR RUSSELL 2000 ETF 464287655   58,780 280 SH   SOLE   0 0 280
ISHARES TR CORE S&P US VLU 464287663   424,164 4,690 SH   SOLE   0 0 4,690
ISHARES TR U.S. TECH ETF 464287721   61,083 452 SH   SOLE   0 0 452
ISHARES TR CORE S&P SCP ETF 464287804   24,327 220 SH   SOLE   0 0 220
ISHARES TR US CONSM STAPLES 464287812   87,521 1,294 SH   SOLE   0 0 1,294
ISHARES TR SP SMCP600VL ETF 464287879   407,752 3,968 SH   SOLE   0 0 3,968
ISHARES TR MSCI ACWI EX US 464288240   8,849 166 SH   SOLE   0 0 166
ISHARES TR MSCI ACWI ETF 464288257   1,678,271 15,239 SH   SOLE   0 0 15,239
ISHARES TR NATIONAL MUN ETF 464288414   27,546 256 SH   SOLE   0 0 256
ISHARES TR IBOXX HI YD ETF 464288513   28,838 371 SH   SOLE   0 0 371
ISHARES TR US AER DEF ETF 464288760   32,983 250 SH   SOLE   0 0 250
ISHARES TR US TREAS BD ETF 46429B267   60,362,054 2,650,947 SH   SOLE   0 0 2,650,947
ISHARES TR MSCI EAFE MIN VL 46429B689   141,122 1,991 SH   SOLE   0 0 1,991
ISHARES TR MSCI USA MIN VOL 46429B697   12,203 146 SH   SOLE   0 0 146
ISHARES TR MSCI USA QLT FCT 46432F339   207,245 1,261 SH   SOLE   0 0 1,261
ISHARES TR CORE MSCI EAFE 46432F842   8,253,784 111,207 SH   SOLE   0 0 111,207
ISHARES TR INTERNATIONAL SL 46434V266   63,585 1,928 SH   SOLE   0 0 1,928
ISHARES TR US SML CAP EQT 46434V290   87,295 1,373 SH   SOLE   0 0 1,373
ISHARES TR GLOBAL EQUITY 46434V316   262,345 6,349 SH   SOLE   0 0 6,349
ISHARES TR MSCI INTL QUALTY 46434V456   170,578 4,301 SH   SOLE   0 0 4,301
ISHARES TR GLOBAL REIT ETF 46434V647   110,538 4,668 SH   SOLE   0 0 4,668
ISHARES TR YLD OPTIM BD 46434V787   405,884 18,152 SH   SOLE   0 0 18,152
ISHARES TR HDG MSCI EAFE 46434V803   25,358 727 SH   SOLE   0 0 727
ISHARES TR ESG AWR MSCI USA 46435G425   917,611 7,982 SH   SOLE   0 0 7,982
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118   9,423 161 SH   SOLE   0 0 161
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   47,486 843 SH   SOLE   0 0 843
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   153,818 2,878 SH   SOLE   0 0 2,878
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   78,458 1,356 SH   SOLE   0 0 1,356
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,369,011 27,136 SH   SOLE   0 0 27,136
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   1,575,317 33,081 SH   SOLE   0 0 33,081
JABIL INC COM 466313103   406,002 3,031 SH   SOLE   0 0 3,031
JOHNSON & JOHNSON COM 478160104   741,694 4,689 SH   SOLE   0 0 4,689
JPMORGAN CHASE & CO COM 46625H100   959,137 4,789 SH   SOLE   0 0 4,789
LAKELAND FINL CORP COM 511656100   1,879,973 28,347 SH   SOLE   0 0 28,347
MASTERCARD INCORPORATED CL A 57636Q104   233,080 484 SH   SOLE   0 0 484
MCDONALDS CORP COM 580135101   579,705 2,056 SH   SOLE   0 0 2,056
META PLATFORMS INC CL A 30303M102   718,658 1,480 SH   SOLE   0 0 1,480
MICROSOFT CORP COM 594918104   2,944,642 6,999 SH   SOLE   0 0 6,999
NETFLIX INC COM 64110L106   275,728 454 SH   SOLE   0 0 454
NVIDIA CORPORATION COM 67066G104   1,189,087 1,316 SH   SOLE   0 0 1,316
ORACLE CORP COM 68389X105   400,902 3,192 SH   SOLE   0 0 3,192
PEPSICO INC COM 713448108   400,658 2,289 SH   SOLE   0 0 2,289
PIMCO CORPORATE & INCOME OPP COM 72201B101   4,340,137 291,872 SH   SOLE   0 0 291,872
PIMCO ETF TR ACTIVE BD ETF 72201R775   1,745 19 SH   SOLE   0 0 19
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   839,710 8,352 SH   SOLE   0 0 8,352
PROCTER AND GAMBLE CO COM 742718109   238,345 1,469 SH   SOLE   0 0 1,469
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   15,792,536 258,682 SH   SOLE   0 0 258,682
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   214,107 3,450 SH   SOLE   0 0 3,450
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   930,074 10,031 SH   SOLE   0 0 10,031
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   387,037 4,753 SH   SOLE   0 0 4,753
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   91,094 1,850 SH   SOLE   0 0 1,850
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,623,673 44,942 SH   SOLE   0 0 44,942
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,791,534 56,912 SH   SOLE   0 0 56,912
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   10,311 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   204,311 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   253,584 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506   694,264 7,354 SH   SOLE   0 0 7,354
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   49,828 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR INDL 81369Y704   179,619 1,426 SH   SOLE   0 0 1,426
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   141,415 679 SH   SOLE   0 0 679
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   74,147 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107   364,742 1,773 SH   SOLE   0 0 1,773
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   2,737,277 22,825 SH   SOLE   0 0 22,825
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,138,419 2,176 SH   SOLE   0 0 2,176
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   333,840 600 SH   SOLE   0 0 600
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   312,791 7,810 SH   SOLE   0 0 7,810
STEEL DYNAMICS INC COM 858119100   282,343 1,905 SH   SOLE   0 0 1,905
TARGA RES CORP COM 87612G101   672,500 6,005 SH   SOLE   0 0 6,005
TESLA INC COM 88160R101   292,690 1,665 SH   SOLE   0 0 1,665
THERMO FISHER SCIENTIFIC INC COM 883556102   362,094 623 SH   SOLE   0 0 623
UNITEDHEALTH GROUP INC COM 91324P102   247,845 501 SH   SOLE   0 0 501
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   62,930 700 SH   SOLE   0 0 700
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   155,243 690 SH   SOLE   0 0 690
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   13,906,874 157,282 SH   SOLE   0 0 157,282
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   270,174 562 SH   SOLE   0 0 562
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   76,718,621 492,070 SH   SOLE   0 0 492,070
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,102 59 SH   SOLE   0 0 59
VANGUARD INDEX FDS SM CP VAL ETF 922908611   100,929 526 SH   SOLE   0 0 526
VANGUARD INDEX FDS MID CAP ETF 922908629   298,583 1,195 SH   SOLE   0 0 1,195
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   352,819 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS GROWTH ETF 922908736   29,945 87 SH   SOLE   0 0 87
VANGUARD INDEX FDS VALUE ETF 922908744   5,212 32 SH   SOLE   0 0 32
VANGUARD INDEX FDS SMALL CP ETF 922908751   41,106 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,155,180 108,331 SH   SOLE   0 0 108,331
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,509 107 SH   SOLE   0 0 107
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,956,282 53,903 SH   SOLE   0 0 53,903
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   219 5 SH   SOLE   0 0 5
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   520,804 2,852 SH   SOLE   0 0 2,852
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,741,102 28,874 SH   SOLE   0 0 28,874
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   627,455 12,507 SH   SOLE   0 0 12,507
VANGUARD WORLD FD FINANCIALS ETF 92204A405   71,980 703 SH   SOLE   0 0 703
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   14,211 53 SH   SOLE   0 0 53
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   190,681 781 SH   SOLE   0 0 781
VANGUARD WORLD FD INF TECH ETF 92204A702   1,148,829 2,191 SH   SOLE   0 0 2,191
VISA INC COM CL A 92826C839   339,082 1,215 SH   SOLE   0 0 1,215
WALMART INC COM 931142103   899,444 14,948 SH   SOLE   0 0 14,948
WISDOMTREE TR ARTIFICIAL INTEL 97717Y543   57,839 2,785 SH   SOLE   0 0 2,785
WISDOMTREE TR INTERNATIONL EFI 97717Y634   78,109,519 2,107,650 SH   SOLE   0 0 2,107,650
ZIMMER BIOMET HOLDINGS INC COM 98956P102   216,264 1,639 SH   SOLE   0 0 1,639