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
ADOBE INC COM 00724F101 396,570 1,034 SH SOLE 0 0 1,034
ALPHABET INC CAP STK CL C 02079K107 1,491,372 9,546 SH SOLE 0 0 9,546
ALPHABET INC CAP STK CL A 02079K305 369,762 2,391 SH SOLE 0 0 2,391
ALTRIA GROUP INC COM 02209S103 352,574 5,874 SH SOLE 0 0 5,874
AMAZON COM INC COM 023135106 1,392,150 7,317 SH SOLE 0 0 7,317
AMERICAN CENTY ETF TR US SML CP VALU 025072877 19,935,627 228,698 SH SOLE 2,694 0 226,004
AMERICAN CENTY ETF TR US EQT ETF 025072885 346,581 3,752 SH SOLE 1 0 3,751
AMERICAN INTL GROUP INC COM NEW 026874784 253,343 2,914 SH SOLE 0 0 2,914
AMGEN INC COM 031162100 204,535 657 SH SOLE 0 0 657
APPLE INC COM 037833100 15,521,643 69,876 SH SOLE 0 0 69,876
APPLE INC COM 037833100 66,639 300 SH Call SOLE 0 0 300
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,314,245 6,223 SH SOLE 0 0 6,223
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 24,630,304 505,133 SH SOLE 6,089 0 499,044
BOOKING HOLDINGS INC COM 09857L108 773,961 168 SH SOLE 0 0 168
BOSTON SCIENTIFIC CORP COM 101137107 223,147 2,212 SH SOLE 0 0 2,212
BROADCOM INC COM 11135F101 221,342 1,322 SH SOLE 0 0 1,322
CITIGROUP INC COM NEW 172967424 270,259 3,807 SH SOLE 0 0 3,807
COCA COLA CO COM 191216100 248,307 3,467 SH SOLE 0 0 3,467
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 80,792,018 1,335,847 SH SOLE 17,567 0 1,318,279
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 4,755,586 143,500 SH SOLE 2,652 0 140,848
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 851,677 14,254 SH SOLE 1 0 14,253
DOORDASH INC CL A 25809K105 214,938 1,176 SH SOLE 0 0 1,176
EA SERIES TRUST FREEDOM 100 EM 02072L607 11,761,163 335,532 SH SOLE 4,640 0 330,892
ELEVANCE HEALTH INC COM 036752103 228,789 526 SH SOLE 0 0 526
ELI LILLY & CO COM 532457108 910,318 1,102 SH SOLE 0 0 1,102
ENEL CHILE S.A. SPONSORED ADR 29278D105 36,676 11,216 SH SOLE 0 0 11,216
EXXON MOBIL CORP COM 30231G102 411,932 3,464 SH SOLE 0 0 3,464
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 225,968 4,950 SH SOLE 26 0 4,924
FISERV INC COM 337738108 1,708,341 7,736 SH SOLE 0 0 7,736
FLUENT INC COM NEW 34380C201 57,184 26,231 SH SOLE 0 0 26,231
GE AEROSPACE COM NEW 369604301 975,331 4,873 SH SOLE 0 0 4,873
GENERAL MTRS CO COM 37045V100 259,041 5,508 SH SOLE 0 0 5,508
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 48,281 10,658 SH SOLE 0 0 10,658
HOME DEPOT INC COM 437076102 522,061 1,424 SH SOLE 0 0 1,424
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 266,209 2,877 SH SOLE 0 0 2,877
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742 19,164,831 388,266 SH SOLE 3,529 0 384,738
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,277,708 19,260 SH SOLE 0 0 19,260
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 205,567 5,087 SH SOLE 1 0 5,086
INVESCO QQQ TR UNIT SER 1 46090E103 998,112 2,129 SH SOLE 0 0 2,129
ISHARES INC MSCI EMRG CHN 46434G764 5,110,284 92,762 SH SOLE 1,034 0 91,728
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 343,690 15,094 SH SOLE 0 0 15,094
ISHARES TR RUS TP200 GR ETF 464289438 47,594,102 225,629 SH SOLE 3,010 0 222,619
ISHARES TR CORE TOTAL USD 46434V613 44,740,161 970,924 SH SOLE 14,535 0 956,389
ISHARES TR MSCI USA QLT FCT 46432F339 15,791,988 92,410 SH SOLE 941 0 91,469
ISHARES TR RUSSELL 3000 ETF 464287689 4,570,840 14,390 SH SOLE 0 0 14,390
ISHARES TR CORE US AGGBD ET 464287226 1,661,262 16,794 SH SOLE 0 0 16,794
ISHARES TR CORE S&P500 ETF 464287200 1,486,002 2,645 SH SOLE 0 0 2,645
ISHARES TR US TREAS BD ETF 46429B267 1,431,752 62,291 SH SOLE 2 0 62,289
ISHARES TR RUS 1000 GRW ETF 464287614 1,312,847 3,636 SH SOLE 5 0 3,631
ISHARES TR U S EQUITY FACTR 46434V282 1,003,986 17,346 SH SOLE 43 0 17,303
ISHARES TR TRS FLT RT BD 46434V860 776,162 15,321 SH SOLE 303 0 15,018
ISHARES TR CORE S&P MCP ETF 464287507 480,804 8,240 SH SOLE 0 0 8,240
ISHARES TR CORE MSCI TOTAL 46432F834 414,951 5,944 SH SOLE 0 0 5,944
ISHARES TR 0-3 MNTH TREASRY 46436E718 347,925 3,456 SH SOLE 0 0 3,456
ISHARES TR EAFE VALUE ETF 464288877 319,101 5,414 SH SOLE 0 0 5,414
ISHARES TR MSCI USA MIN VOL 46429B697 285,476 3,048 SH SOLE 0 0 3,048
ISHARES TR GLOBAL TECH ETF 464287291 247,443 3,267 SH SOLE 0 0 3,267
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 3,906,327 69,175 SH SOLE 1,008 0 68,167
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,025,663 20,258 SH SOLE 0 0 20,258
JPMORGAN CHASE & CO. COM 46625H100 508,907 2,075 SH SOLE 0 0 2,075
LENNAR CORP CL A 526057104 510,312 4,446 SH SOLE 0 0 4,446
MASTERCARD INCORPORATED CL A 57636Q104 1,765,495 3,221 SH SOLE 0 0 3,221
MERCK & CO INC COM 58933Y105 1,041,755 11,606 SH SOLE 0 0 11,606
META PLATFORMS INC CL A 30303M102 1,408,047 2,443 SH SOLE 0 0 2,443
MICROSOFT CORP COM 594918104 1,449,933 3,862 SH SOLE 0 0 3,862
NETFLIX INC COM 64110L106 1,132,091 1,214 SH SOLE 0 0 1,214
NVIDIA CORPORATION COM 67066G104 1,885,827 17,400 SH SOLE 0 0 17,400
OREILLY AUTOMOTIVE INC COM 67103H107 269,325 188 SH SOLE 0 0 188
PACER FDS TR US CASH COWS 100 69374H881 27,887,554 509,269 SH SOLE 7,831 0 501,437
PALANTIR TECHNOLOGIES INC CL A 69608A108 533,408 6,320 SH SOLE 0 0 6,320
PGIM ETF TR PGIM ULTRA SH BD 69344A107 888,048 17,857 SH SOLE 306 0 17,551
PIMCO ETF TR ACTIVE BD ETF 72201R775 4,228,653 45,730 SH SOLE 0 0 45,730
PIMCO ETF TR MULTISECTOR BD 72201R585 663,250 25,171 SH SOLE 204 0 24,967
PROGRESSIVE CORP COM 743315103 256,124 905 SH SOLE 0 0 905
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 39,822,805 1,601,883 SH SOLE 24,875 0 1,577,008
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 13,060,183 606,604 SH SOLE 206 0 606,398
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,750,530 88,500 SH SOLE 0 0 88,500
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 236,213 1,144 SH SOLE 0 0 1,144
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 230,033 2,385 SH SOLE 0 0 2,385
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 53,126,141 672,858 SH SOLE 9,509 0 663,348
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,330,273 4,166 SH SOLE 0 0 4,166
SPDR SER TR S&P 600 SMCP VAL 78464A300 326,693 4,167 SH SOLE 0 0 4,167
SPDR SER TR S&P DIVID ETF 78464A763 292,306 2,154 SH SOLE 0 0 2,154
SUNCOR ENERGY INC NEW COM 867224107 212,650 5,492 SH SOLE 0 0 5,492
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 714,630 4,305 SH SOLE 0 0 4,305
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 201,607 13,558 SH SOLE 0 0 13,558
T-MOBILE US INC COM 872590104 213,101 799 SH SOLE 0 0 799
UBER TECHNOLOGIES INC COM 90353T100 485,248 6,660 SH SOLE 0 0 6,660
VANGUARD INDEX FDS VALUE ETF 922908744 2,620,917 15,173 SH SOLE 60 0 15,113
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,580,552 3,076 SH SOLE 0 0 3,076
VANGUARD INDEX FDS TOTAL STK MKT 922908769 451,294 1,642 SH SOLE 0 0 1,642
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 368,512 1,506 SH SOLE 0 0 1,506
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 335,852 2,092 SH SOLE 0 0 2,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 226,393 1,215 SH SOLE 0 0 1,215
VANGUARD INDEX FDS SMALL CP ETF 922908751 212,846 960 SH SOLE 0 0 960
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 23,532,385 508,149 SH SOLE 7,294 0 500,855
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,121,412 36,146 SH SOLE 261 0 35,885
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 245,459 3,109 SH SOLE 1 0 3,109
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 575,124 11,315 SH SOLE 0 0 11,315
WALMART INC COM 931142103 315,868 3,598 SH SOLE 0 0 3,598
WELLS FARGO CO NEW COM 949746101 570,300 7,944 SH SOLE 0 0 7,944
WIPRO LTD SPON ADR 1 SH 97651M109 55,814 18,240 SH SOLE 0 0 18,240