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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
TRANE TECHNOLOGIES PLC SHS G8994E103 222,367 660 SH SOLE 0 0 660
ABBVIE INC COM 00287Y109 307,366 1,467 SH SOLE 0 0 1,467
EA SERIES TRUST STRIVE SML CAP 02072L573 234,136 8,155 SH SOLE 0 0 8,155
EA SERIES TRUST STRIVE 1000 VALU 02072L599 748,837 24,544 SH SOLE 0 0 24,544
EA SERIES TRUST STRIVE 1000 GRWT 02072L615 859,071 21,450 SH SOLE 0 0 21,450
ALPHABET INC CAP STK CL C 02079K107 793,050 5,076 SH SOLE 0 0 5,076
ALPHABET INC CAP STK CL A 02079K305 770,478 4,982 SH SOLE 0 0 4,982
AMAZON COM INC COM 023135106 2,158,119 11,343 SH SOLE 0 0 11,343
AMERICAN EXPRESS CO COM 025816109 264,282 982 SH SOLE 0 0 982
APPLE INC COM 037833100 3,340,483 15,038 SH SOLE 0 0 15,038
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,345,830 2,527 SH SOLE 0 0 2,527
BROADCOM INC COM 11135F101 318,064 1,900 SH SOLE 0 0 1,900
CBRE GROUP INC CL A 12504L109 494,218 3,779 SH SOLE 0 0 3,779
CHIPOTLE MEXICAN GRILL INC COM 169656105 286,197 5,700 SH SOLE 0 0 5,700
COLGATE PALMOLIVE CO COM 194162103 273,323 2,917 SH SOLE 0 0 2,917
CONOCOPHILLIPS COM 20825C104 297,312 2,831 SH SOLE 0 0 2,831
COSTCO WHSL CORP NEW COM 22160K105 822,883 870 SH SOLE 0 0 870
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 533,494 8,821 SH SOLE 0 0 8,821
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 210,559 3,524 SH SOLE 0 0 3,524
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 390,964 7,593 SH SOLE 0 0 7,593
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 232,960 5,653 SH SOLE 0 0 5,653
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 208,332 5,293 SH SOLE 0 0 5,293
EXXON MOBIL CORP COM 30231G102 642,725 5,404 SH SOLE 0 0 5,404
META PLATFORMS INC CL A 30303M102 808,272 1,402 SH SOLE 0 0 1,402
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 590,565 3,662 SH SOLE 0 0 3,662
GE AEROSPACE COM NEW 369604301 236,596 1,182 SH SOLE 0 0 1,182
HOME DEPOT INC COM 437076102 243,756 665 SH SOLE 0 0 665
HONEYWELL INTL INC COM 438516106 470,297 2,221 SH SOLE 0 0 2,221
INTERNATIONAL BUSINESS MACHS COM 459200101 354,092 1,424 SH SOLE 0 0 1,424
INVESCO QQQ TR UNIT SER 1 46090E103 1,383,485 2,950 SH SOLE 0 0 2,950
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 227,199 1,312 SH SOLE 0 0 1,312
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 416,730 2,159 SH SOLE 0 0 2,159
ISHARES TR CORE S&P TTL STK 464287150 517,783 4,244 SH SOLE 0 0 4,244
ISHARES TR CORE S&P500 ETF 464287200 921,537 1,640 SH SOLE 0 0 1,640
ISHARES TR GLOBAL TECH ETF 464287291 504,612 6,662 SH SOLE 0 0 6,662
ISHARES TR CORE S&P MCP ETF 464287507 548,346 9,398 SH SOLE 0 0 9,398
ISHARES TR RUS 1000 VAL ETF 464287598 360,326 1,915 SH SOLE 0 0 1,915
ISHARES TR CORE S&P US VLU 464287663 424,257 4,597 SH SOLE 0 0 4,597
ISHARES TR U.S. TECH ETF 464287721 505,506 3,599 SH SOLE 0 0 3,599
ISHARES TR CORE S&P SCP ETF 464287804 422,214 4,038 SH SOLE 0 0 4,038
ISHARES TR CORE MSCI EAFE 46432F842 26,443,802 349,555 SH SOLE 0 0 349,555
ISHARES TR IBONDS DEC25 ETF 46434VBD1 5,731,339 227,886 SH SOLE 0 0 227,886
ISHARES TR TRS FLT RT BD 46434V860 298,420 5,891 SH SOLE 0 0 5,891
ISHARES TR IBONDS DEC2026 46435GAA0 5,018,100 207,274 SH SOLE 0 0 207,274
ISHARES TR IBONDS 27 ETF 46435UAA9 4,089,438 169,125 SH SOLE 0 0 169,125
ISHARES TR IBDS DEC28 ETF 46435U515 3,348,433 132,559 SH SOLE 0 0 132,559
ISHARES TR IBONDS DEC 29 46436E205 2,318,890 100,255 SH SOLE 0 0 100,255
ISHARES TR IBONDS DEC 2031 46436E486 543,328 26,184 SH SOLE 0 0 26,184
ISHARES TR IBONDS DEC 2030 46436E726 604,747 27,843 SH SOLE 0 0 27,843
ISHARES TR IBONDS 29 TRM TS 46436E825 328,556 15,092 SH SOLE 0 0 15,092
ISHARES TR IBONDS 28 TRM TS 46436E833 220,494 9,910 SH SOLE 0 0 9,910
ISHARES TR IBONDS 27 TRM TS 46436E841 564,951 25,199 SH SOLE 0 0 25,199
ISHARES TR IBONDS 26 TRM TS 46436E858 1,090,388 47,532 SH SOLE 0 0 47,532
ISHARES TR IBONDS 25 TRM TS 46436E866 1,351,011 57,810 SH SOLE 0 0 57,810
JPMORGAN CHASE & CO. COM 46625H100 1,007,386 4,107 SH SOLE 0 0 4,107
KROGER CO COM 501044101 222,749 3,291 SH SOLE 0 0 3,291
MASTERCARD INCORPORATED CL A 57636Q104 698,055 1,274 SH SOLE 0 0 1,274
MICROSOFT CORP COM 594918104 3,174,507 8,457 SH SOLE 0 0 8,457
NORTHROP GRUMMAN CORP COM 666807102 507,914 992 SH SOLE 0 0 992
NVIDIA CORPORATION COM 67066G104 1,578,278 14,562 SH SOLE 0 0 14,562
ORACLE CORP COM 68389X105 305,738 2,187 SH SOLE 0 0 2,187
PROCTER AND GAMBLE CO COM 742718109 792,542 4,651 SH SOLE 0 0 4,651
PROSHARES TR II VIX MDTRM FUTR N 74347W338 210,425 13,276 SH SOLE 0 0 13,276
QUALCOMM INC COM 747525103 253,469 1,650 SH SOLE 0 0 1,650
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,787,867 4,984 SH SOLE 0 0 4,984
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,808,974 45,948 SH SOLE 0 0 45,948
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,749,153 21,764 SH SOLE 0 0 21,764
SPDR SER TR PRTFLO S&P500 VL 78464A508 394,223 7,719 SH SOLE 0 0 7,719
SPDR SER TR PORTFOLIO S&P500 78464A854 1,836,518 27,928 SH SOLE 0 0 27,928
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 722,352 32,715 SH SOLE 0 0 32,715
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 16,991,493 678,574 SH SOLE 0 0 678,574
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,096,796 304,620 SH SOLE 0 0 304,620
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,784,961 106,296 SH SOLE 0 0 106,296
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,334,492 184,998 SH SOLE 0 0 184,998
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,898,205 67,890 SH SOLE 0 0 67,890
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,138,337 57,550 SH SOLE 0 0 57,550
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 234,844 4,715 SH SOLE 0 0 4,715
SELECT SECTOR SPDR TR INDL 81369Y704 615,488 4,696 SH SOLE 0 0 4,696
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 568,902 2,755 SH SOLE 0 0 2,755
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 201,192 1,212 SH SOLE 0 0 1,212
TESLA INC COM 88160R101 760,635 2,935 SH SOLE 0 0 2,935
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 858,278 4,059 SH SOLE 0 0 4,059
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,065,031 5,490 SH SOLE 0 0 5,490
VANGUARD STAR FDS VG TL INTL STK F 921909768 616,531 9,928 SH SOLE 0 0 9,928
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 10,121,075 199,116 SH SOLE 0 0 199,116
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 212,268 1,646 SH SOLE 0 0 1,646
VANGUARD WORLD FD INF TECH ETF 92204A702 1,185,420 2,186 SH SOLE 0 0 2,186
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 494,743 8,156 SH SOLE 0 0 8,156
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 318,839 7,045 SH SOLE 0 0 7,045
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,010,047 10,885 SH SOLE 0 0 10,885
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,613,519 10,923 SH SOLE 0 0 10,923
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,973,405 12,292 SH SOLE 0 0 12,292
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,704,538 6,968 SH SOLE 0 0 6,968
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 237,745 2,626 SH SOLE 0 0 2,626
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,326,329 72,790 SH SOLE 0 0 72,790
VANGUARD INDEX FDS SM CP VAL ETF 922908611 24,665,097 132,402 SH SOLE 0 0 132,402
VANGUARD INDEX FDS MID CAP ETF 922908629 1,082,960 4,187 SH SOLE 0 0 4,187
VANGUARD INDEX FDS LARGE CAP ETF 922908637 546,760 2,127 SH SOLE 0 0 2,127
VANGUARD INDEX FDS GROWTH ETF 922908736 131,689,342 355,130 SH SOLE 0 0 355,130
VANGUARD INDEX FDS VALUE ETF 922908744 115,496,024 668,612 SH SOLE 0 0 668,612
VANGUARD INDEX FDS SMALL CP ETF 922908751 663,868 2,994 SH SOLE 0 0 2,994
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,434,980 16,137 SH SOLE 0 0 16,137
VISA INC COM CL A 92826C839 551,335 1,573 SH SOLE 0 0 1,573
WALMART INC COM 931142103 680,508 7,752 SH SOLE 0 0 7,752
WISDOMTREE TR US EFFICIENT COR 97717Y790 600,415 13,251 SH SOLE 0 0 13,251