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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100 17,641,883 563,489 SH SOLE 563,489 0 0
AMAZON COM INC COM 023135106 1,758,002 9,240 SH SOLE 9,240 0 0
APPLE INC COM 037833100 2,987,204 13,448 SH SOLE 13,448 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 229,303 6,494 SH SOLE 6,494 0 0
COCA COLA CO COM 191216100 376,446 5,219 SH SOLE 5,219 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 650,789 16,930 SH SOLE 16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,811,701 122,053 SH SOLE 122,053 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 13,968,615 539,537 SH SOLE 539,537 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 58,083,359 960,373 SH SOLE 960,373 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,161,480 19,439 SH SOLE 19,439 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 759,748 29,402 SH SOLE 29,402 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 17,384,551 447,940 SH SOLE 447,940 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 236,696 504 SH SOLE 504 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 493,611 10,545 SH SOLE 10,545 0 0
ISHARES GOLD TR ISHARES NEW 464285204 696,907 11,820 SH SOLE 11,820 0 0
ISHARES TR CORE S&P TTL STK 464287150 60,883 499 SH SOLE 499 0 0
ISHARES TR TIPS BD ETF 464287176 226,513 2,039 SH SOLE 2,039 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,191,774 7,460 SH SOLE 7,460 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,354 135 SH SOLE 135 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 897,248 20,532 SH SOLE 20,532 0 0
ISHARES TR S&P 500 VAL ETF 464287408 52,028 273 SH SOLE 273 0 0
ISHARES TR MSCI EAFE ETF 464287465 157,167 1,923 SH SOLE 1,923 0 0
ISHARES TR RUS MID CAP ETF 464287499 54,275 638 SH SOLE 638 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,192,385 37,573 SH SOLE 37,573 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,352,282 3,745 SH SOLE 3,745 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 20,747 104 SH SOLE 104 0 0
ISHARES TR U.S. FINLS ETF 464287788 2,898,101 25,681 SH SOLE 25,681 0 0
ISHARES TR CORE S&P SCP ETF 464287804 31,834,245 304,430 SH SOLE 304,430 0 0
ISHARES TR CORE MSCI EAFE 46432F842 43,624,976 576,669 SH SOLE 576,669 0 0
OPKO HEALTH INC COM 68375N103 24,450 14,729 SH SOLE 14,729 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,146,905 12,484 SH SOLE 12,484 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,704,310 47,500 SH SOLE 47,500 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 413,220 4,806 SH SOLE 4,806 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,242,422 15,358 SH SOLE 15,358 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,218,271 14,917 SH SOLE 14,917 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,101,369 10,642 SH SOLE 10,642 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 8,130 87 SH SOLE 87 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,962 200 SH SOLE 200 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 1,683,201 12,842 SH SOLE 12,842 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6,109,950 29,591 SH SOLE 29,591 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,999,119 20,727 SH SOLE 20,727 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 450,222 10,758 SH SOLE 10,758 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 516,468 6,550 SH SOLE 6,550 0 0
SPDR GOLD TR GOLD SHS 78463V107 216,681 752 SH SOLE 752 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,739,101 8,447 SH SOLE 8,447 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 15,314 200 SH SOLE 200 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,252,241 57,893 SH SOLE 57,893 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 15,075,125 302,379 SH SOLE 302,379 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 428,070 833 SH SOLE 833 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 263,286 1,640 SH SOLE 1,640 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 212,348 868 SH SOLE 868 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 286,016 3,159 SH SOLE 3,159 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 111,534 443 SH SOLE 443 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 117,922 633 SH SOLE 633 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 20,431 79 SH SOLE 79 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 69,398 270 SH SOLE 270 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 322,984 871 SH SOLE 871 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 561,923 3,253 SH SOLE 3,253 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,718,360 30,297 SH SOLE 30,297 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,805 123 SH SOLE 123 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,931,958 42,664 SH SOLE 42,664 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,336,205 449,320 SH SOLE 449,320 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 16,714,561 336,851 SH SOLE 336,851 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,193,868 122,574 SH SOLE 122,574 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 16,188 198 SH SOLE 198 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,110,550 31,499 SH SOLE 31,499 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,450,587 28,538 SH SOLE 28,538 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,100,243 16,286 SH SOLE 16,286 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 690,446 5,323 SH SOLE 5,323 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 126,399 740 SH SOLE 740 0 0