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
ISHARES TR CORE S&P500 ETF 464287200 127,488,860 226,889 SH SOLE 0 0 226,889
VANGUARD INDEX FDS GROWTH ETF 922908736 91,437,989 246,583 SH SOLE 0 0 246,583
VANGUARD INDEX FDS MID CAP ETF 922908629 90,118,136 348,458 SH SOLE 0 0 348,458
VANGUARD INDEX FDS VALUE ETF 922908744 83,381,082 482,697 SH SOLE 0 0 482,697
ISHARES TR EAFE VALUE ETF 464288877 50,981,436 864,972 SH SOLE 0 0 864,972
ISHARES TR EAFE GRWTH ETF 464288885 44,013,783 440,138 SH SOLE 0 0 440,138
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 43,656,933 858,881 SH SOLE 0 0 858,881
ISHARES INC CORE MSCI EMKT 46434G103 32,743,729 606,702 SH SOLE 0 0 606,702
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 30,782,269 1,229,324 SH SOLE 0 0 1,229,324
VANGUARD INDEX FDS SMALL CP ETF 922908751 18,541,492 83,614 SH SOLE 0 0 83,614
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 18,537,150 224,584 SH SOLE 0 0 224,584
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 14,810,234 247,870 SH SOLE 0 0 247,870
AMERICAN CENTY ETF TR US SML CP VALU 025072877 13,805,167 158,371 SH SOLE 0 0 158,371
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 13,027,795 316,132 SH SOLE 0 0 316,132
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,271,460 60,505 SH SOLE 0 0 60,505
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 7,207,418 199,430 SH SOLE 0 0 199,430
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843 6,719,322 135,662 SH SOLE 0 0 135,662
ISHARES TR S&P 500 VAL ETF 464287408 5,868,544 30,793 SH SOLE 0 0 30,793
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,799,451 262,656 SH SOLE 0 0 262,656
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,528,119 210,997 SH SOLE 0 0 210,997
PIMCO ETF TR INTER MUN BD ACT 72201R866 5,449,872 105,720 SH SOLE 0 0 105,720
EXXON MOBIL CORP COM 30231G102 5,182,190 43,573 SH SOLE 0 0 43,573
ISHARES TR CORE MSCI EAFE 46432F842 5,166,543 68,295 SH SOLE 0 0 68,295
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,658,789 102,934 SH SOLE 0 0 102,934
ISHARES TR RUS 2000 VAL ETF 464287630 4,554,085 30,163 SH SOLE 0 0 30,163
VANGUARD INDEX FDS VALUE ETF 922908744 4,037,830 23,375 SH SOLE 0 0 23,375
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,028,227 88,241 SH SOLE 0 0 88,241
APPLE INC COM 037833100 4,022,907 18,111 SH SOLE 0 0 18,111
VANGUARD INDEX FDS GROWTH ETF 922908736 3,852,440 10,389 SH SOLE 0 0 10,389
VANGUARD INDEX FDS MID CAP ETF 922908629 3,764,946 14,558 SH SOLE 0 0 14,558
ISHARES TR MSCI EMG MKT ETF 464287234 3,670,567 83,995 SH SOLE 0 0 83,995
ISHARES TR CORE S&P500 ETF 464287200 3,409,769 6,068 SH SOLE 0 0 6,068
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,929,499 5,237 SH SOLE 0 0 5,237
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,783,155 16,157 SH SOLE 0 0 16,157
ISHARES TR MSCI EAFE ETF 464287465 2,433,752 29,778 SH SOLE 0 0 29,778
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,389,362 60,705 SH SOLE 0 0 60,705
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,107,994 41,471 SH SOLE 0 0 41,471
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,093,948 26,709 SH SOLE 0 0 26,709
ISHARES TR USD INV GRDE ETF 464288620 1,977,075 38,705 SH SOLE 0 0 38,705
ISHARES TR EAFE VALUE ETF 464288877 1,976,697 33,537 SH SOLE 0 0 33,537
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,887,799 3,673 SH SOLE 0 0 3,673
ISHARES INC CORE MSCI EMKT 46434G103 1,833,201 33,967 SH SOLE 0 0 33,967
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,674,324 32,517 SH SOLE 0 0 32,517
ISHARES TR EAFE GRWTH ETF 464288885 1,672,980 16,730 SH SOLE 0 0 16,730
ISHARES TR RUSSELL 2000 ETF 464287655 1,554,662 7,793 SH SOLE 0 0 7,793
ISHARES TR CORE MSCI INTL 46435G326 1,408,184 20,441 SH SOLE 0 0 20,441
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,345,010 56,968 SH SOLE 0 0 56,968
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,067,075 32,345 SH SOLE 0 0 32,345
VANGUARD INDEX FDS TOTAL STK MKT 922908769 943,240 3,432 SH SOLE 0 0 3,432
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 920,299 1,728 SH SOLE 0 0 1,728
ISHARES TR CORE S&P MCP ETF 464287507 906,841 15,541 SH SOLE 0 0 15,541
MCDONALDS CORP COM 580135101 902,099 2,888 SH SOLE 0 0 2,888
MICROSOFT CORP COM 594918104 800,822 2,133 SH SOLE 0 0 2,133
AMAZON COM INC COM 023135106 731,462 3,845 SH SOLE 0 0 3,845
INVESCO QQQ TR UNIT SER 1 46090E103 723,000 1,542 SH SOLE 0 0 1,542
SPDR SER TR PORTFOLIO S&P600 78468R853 713,644 17,508 SH SOLE 0 0 17,508
CHEVRON CORP NEW COM 166764100 711,012 4,250 SH SOLE 0 0 4,250
ISHARES GOLD TR ISHARES NEW 464285204 664,774 11,275 SH SOLE 0 0 11,275
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 664,716 11,125 SH SOLE 0 0 11,125
AMERICAN CENTY ETF TR US SML CP VALU 025072877 650,529 7,463 SH SOLE 0 0 7,463
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 626,574 20,063 SH SOLE 0 0 20,063
APPLE INC COM 037833100 582,263 2,621 SH SOLE 0 0 2,621
ISHARES TR EAFE SML CP ETF 464288273 573,066 9,020 SH SOLE 0 0 9,020
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 543,375 6,175 SH SOLE 0 0 6,175
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 543,011 23,176 SH SOLE 0 0 23,176
EXXON MOBIL CORP COM 30231G102 505,798 4,253 SH SOLE 0 0 4,253
MICROSOFT CORP COM 594918104 490,671 1,307 SH SOLE 0 0 1,307
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 468,775 23,699 SH SOLE 0 0 23,699
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 453,200 10,775 SH SOLE 0 0 10,775
NVIDIA CORPORATION COM 67066G104 436,469 4,027 SH SOLE 0 0 4,027
VANGUARD WORLD FD MEGA CAP INDEX 921910873 426,896 2,120 SH SOLE 0 0 2,120
CONOCOPHILLIPS COM 20825C104 425,020 4,047 SH SOLE 0 0 4,047
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 422,426 15,423 SH SOLE 0 0 15,423
ISHARES TR S&P 500 GRWT ETF 464287309 412,557 4,444 SH SOLE 0 0 4,444
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 379,817 8,114 SH SOLE 0 0 8,114
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 378,982 5,812 SH SOLE 0 0 5,812
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 369,418 16,731 SH SOLE 0 0 16,731
PALANTIR TECHNOLOGIES INC CL A 69608A108 367,394 4,353 SH SOLE 0 0 4,353
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 339,340 15,761 SH SOLE 0 0 15,761
TESLA INC COM 88160R101 320,185 1,235 SH SOLE 0 0 1,235
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 317,526 9,812 SH SOLE 0 0 9,812
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 283,319 10,659 SH SOLE 0 0 10,659
VANGUARD INDEX FDS LARGE CAP ETF 922908637 279,247 1,086 SH SOLE 0 0 1,086
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 278,618 6,156 SH SOLE 0 0 6,156
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 273,921 9,797 SH SOLE 0 0 9,797
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 273,866 2,924 SH SOLE 0 0 2,924
PIMCO ETF TR PREFERRED AND CP 72201R619 272,870 5,397 SH SOLE 0 0 5,397
CHEVRON CORP NEW COM 166764100 272,349 1,628 SH SOLE 0 0 1,628
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 269,030 10,268 SH SOLE 0 0 10,268
SCHWAB STRATEGIC TR US TIPS ETF 808524870 267,792 9,959 SH SOLE 0 0 9,959
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 253,961 494 SH SOLE 0 0 494
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 252,666 1,302 SH SOLE 0 0 1,302
JPMORGAN CHASE & CO. COM 46625H100 245,421 1,000 SH SOLE 0 0 1,000
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 242,434 1,256 SH SOLE 0 0 1,256
CISCO SYS INC COM 17275R102 218,146 3,535 SH SOLE 0 0 3,535
SPDR SER TR S&P DIVID ETF 78464A763 203,588 1,500 SH SOLE 0 0 1,500
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 203,401 6,604 SH SOLE 0 0 6,604
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 201,167 2,594 SH SOLE 0 0 2,594
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 200,040 10,761 SH SOLE 0 0 10,761