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
ABBOTT LABS COM 002824100 264,856 1,947 SH SOLE 0 0 0 1,947
ABBVIE INC COM 00287Y109 246,132 1,326 SH SOLE 0 0 0 1,326
ALPHABET INC CAP STK CL C 02079K107 427,510 2,410 SH SOLE 0 0 0 2,410
ALPHABET INC CAP STK CL A 02079K305 457,846 2,598 SH SOLE 0 0 0 2,598
AMAZON COM INC COM 023135106 1,143,899 5,214 SH SOLE 0 0 0 5,214
AMERICAN CENTY ETF TR US SML CP VALU 025072877 836,828 9,186 SH SOLE 0 0 0 9,186
AMERICAN CENTY ETF TR US EQT ETF 025072885 17,682,494 175,387 SH SOLE 0 0 0 175,387
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 3,435,235 46,416 SH SOLE 0 0 0 46,416
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,255,993 47,505 SH SOLE 0 0 0 47,505
APPLE INC COM 037833100 2,890,843 14,090 SH SOLE 0 0 0 14,090
AUTOMATIC DATA PROCESSING IN COM 053015103 213,413 692 SH SOLE 0 0 0 692
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,415,534 2,914 SH SOLE 0 0 0 2,914
CATERPILLAR INC COM 149123101 938,692 2,418 SH SOLE 0 0 0 2,418
CHEVRON CORP NEW COM 166764100 210,290 1,469 SH SOLE 0 0 0 1,469
COSTCO WHSL CORP NEW COM 22160K105 294,130 297 SH SOLE 0 0 0 297
DEERE & CO COM 244199105 306,619 603 SH SOLE 0 0 0 603
DELTA AIR LINES INC DEL COM NEW 247361702 214,326 4,358 SH SOLE 0 0 0 4,358
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 9,516,730 267,625 SH SOLE 0 0 0 267,625
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 844,700 28,702 SH SOLE 0 0 0 28,702
DIREXION SHS ETF TR DAILY REGIONAL 25460G153 260,370 3,000 SH SOLE 0 0 0 3,000
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458 502,200 20,000 SH SOLE 0 0 0 20,000
EXXON MOBIL CORP COM 30231G102 347,192 3,221 SH SOLE 0 0 0 3,221
FLEXSHARES TR QLT DIV DEF IDX 33939L845 1,198,660 16,187 SH SOLE 0 0 0 16,187
FLEXSHARES TR HIG YLD VL ETF 33939L662 2,059,542 50,196 SH SOLE 0 0 0 50,196
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 388,491 8,892 SH SOLE 0 0 0 8,892
GLOBAL X FDS US INFR DEV ETF 37954Y673 2,149,932 49,333 SH SOLE 0 0 0 49,333
GLOBAL X FDS AGING POPULATION 37954Y772 1,038,894 32,557 SH SOLE 0 0 0 32,557
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,565,375 19,618 SH SOLE 0 0 0 19,618
INVESCO QQQ TR UNIT SER 1 46090E103 1,289,734 2,338 SH SOLE 0 0 0 2,338
ISHARES INC EM MKTS DIV ETF 464286319 300,710 10,496 SH SOLE 0 0 0 10,496
ISHARES INC MSCI EMRG CHN 46434G764 7,040,678 111,509 SH SOLE 0 0 0 111,509
ISHARES INC CORE MSCI EMKT 46434G103 1,892,446 31,525 SH SOLE 0 0 0 31,525
ISHARES TR CORE MSCI EAFE 46432F842 4,660,188 55,824 SH SOLE 0 0 0 55,824
ISHARES TR ULTRA SHORT DUR 46434V878 533,926 10,529 SH SOLE 0 0 0 10,529
ISHARES TR EXPONENTIAL TECH 46434V381 718,598 11,013 SH SOLE 0 0 0 11,013
ISHARES TR IBONDS DEC25 ETF 46434VBD1 812,206 32,256 SH SOLE 0 0 0 32,256
ISHARES TR IBONDS DEC 29 46436E205 313,089 13,420 SH SOLE 0 0 0 13,420
ISHARES TR IBONDS DEC 2030 46436E726 1,077,328 49,014 SH SOLE 0 0 0 49,014
ISHARES TR IBONDS DEC 2032 46436E312 1,055,497 41,744 SH SOLE 0 0 0 41,744
ISHARES TR IBONDS DEC 2031 46436E486 1,688,292 80,242 SH SOLE 0 0 0 80,242
ISHARES TR MSCI EMG MKT ETF 464287234 417,565 8,656 SH SOLE 0 0 0 8,656
ISHARES TR CORE US AGGBD ET 464287226 7,783,331 78,461 SH SOLE 0 0 0 78,461
ISHARES TR EAFE SML CP ETF 464288273 811,618 11,167 SH SOLE 0 0 0 11,167
ISHARES TR CRE U S REIT ETF 464288521 311,859 5,514 SH SOLE 0 0 0 5,514
ISHARES TR CORE S&P SCP ETF 464287804 246,995 2,260 SH SOLE 0 0 0 2,260
ISHARES TR CORE S&P500 ETF 464287200 13,316,356 21,447 SH SOLE 0 0 0 21,447
ISHARES TR S&P 500 GRWT ETF 464287309 1,811,475 16,453 SH SOLE 0 0 0 16,453
ISHARES TR RUSSELL 2000 ETF 464287655 2,734,491 12,672 SH SOLE 0 0 0 12,672
ISHARES TR RUS MID CAP ETF 464287499 367,880 4,000 SH SOLE 0 0 0 4,000
ISHARES TR MSCI EAFE ETF 464287465 344,330 3,852 SH SOLE 0 0 0 3,852
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 14,105,302 278,321 SH SOLE 0 0 0 278,321
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 23,758,631 395,647 SH SOLE 0 0 0 395,647
JPMORGAN CHASE & CO. COM 46625H100 209,605 723 SH SOLE 0 0 0 723
KEYCORP COM 493267108 174,636 10,025 SH SOLE 0 0 0 10,025
META PLATFORMS INC CL A 30303M102 523,306 709 SH SOLE 0 0 0 709
MICROSOFT CORP COM 594918104 1,559,978 3,136 SH SOLE 0 0 0 3,136
MOTOROLA SOLUTIONS INC COM NEW 620076307 278,765 663 SH SOLE 0 0 0 663
NETFLIX INC COM 64110L106 202,209 151 SH SOLE 0 0 0 151
NVIDIA CORPORATION COM 67066G104 486,293 3,078 SH SOLE 0 0 0 3,078
OAKTREE SPECIALTY LENDING CO COM 67401P405 273,200 20,000 SH SOLE 0 0 0 20,000
ORACLE CORP COM 68389X105 297,118 1,359 SH SOLE 0 0 0 1,359
PROCTER AND GAMBLE CO COM 742718109 378,385 2,375 SH SOLE 0 0 0 2,375
SANDSTORM GOLD LTD COM NEW 80013R206 235,461 25,049 SH SOLE 0 0 0 25,049
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,386,586 52,324 SH SOLE 0 0 0 52,324
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 512,321 21,014 SH SOLE 0 0 0 21,014
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,460,993 61,309 SH SOLE 0 0 0 61,309
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 463,879 20,990 SH SOLE 0 0 0 20,990
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 299,344 10,248 SH SOLE 0 0 0 10,248
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 217,551 7,218 SH SOLE 0 0 0 7,218
SCHWAB STRATEGIC TR US REIT ETF 808524847 262,405 12,401 SH SOLE 0 0 0 12,401
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 264,707 8,019 SH SOLE 0 0 0 8,019
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 239,926 1,780 SH SOLE 0 0 0 1,780
SPDR GOLD TR GOLD SHS 78463V107 236,548 776 SH SOLE 0 0 0 776
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 289,827 7,158 SH SOLE 0 0 0 7,158
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,539,364 4,110 SH SOLE 0 0 0 4,110
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 327,119 577 SH SOLE 0 0 0 577
SPDR SERIES TRUST NYSE TECH ETF 78464A102 303,007 1,277 SH SOLE 0 0 0 1,277
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 1,293,121 24,706 SH SOLE 0 0 0 24,706
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 460,472 17,324 SH SOLE 0 0 0 17,324
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 457,309 10,084 SH SOLE 0 0 0 10,084
TCW ETF TRUST TRANSFORM SYSTEM 29287L205 371,861 4,124 SH SOLE 0 0 0 4,124
TCW ETF TRUST TRANSFORM SUPPLY 29287L304 251,610 3,727 SH SOLE 0 0 0 3,727
TESLA INC COM 88160R101 1,077,820 3,393 SH SOLE 0 0 0 3,393
TG THERAPEUTICS INC COM 88322Q108 359,900 10,000 SH SOLE 0 0 0 10,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,586,714 159,933 SH SOLE 0 0 0 159,933
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,356,813 32,009 SH SOLE 0 0 0 32,009
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,548,599 80,771 SH SOLE 0 0 0 80,771
VANGUARD INDEX FDS VALUE ETF 922908744 1,816,663 10,279 SH SOLE 0 0 0 10,279
VANGUARD INDEX FDS MID CAP ETF 922908629 2,377,537 8,496 SH SOLE 0 0 0 8,496
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,696,468 63,962 SH SOLE 0 0 0 63,962
VANGUARD INDEX FDS SMALL CP ETF 922908751 517,090 2,182 SH SOLE 0 0 0 2,182
VANGUARD INDEX FDS GROWTH ETF 922908736 2,650,128 6,045 SH SOLE 0 0 0 6,045
VANGUARD INDEX FDS SML CP GRW ETF 922908595 208,259 752 SH SOLE 0 0 0 752
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,722,540 95,482 SH SOLE 0 0 0 95,482
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,025,497 9,391 SH SOLE 0 0 0 9,391
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 3,506,848 58,633 SH SOLE 0 0 0 58,633
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,019,328 34,354 SH SOLE 0 0 0 34,354
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 889,827 11,193 SH SOLE 0 0 0 11,193
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,641,034 43,910 SH SOLE 0 0 0 43,910
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 19,058,741 334,305 SH SOLE 0 0 0 334,305
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 248,756 1,866 SH SOLE 0 0 0 1,866
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535 452,095 8,896 SH SOLE 0 0 0 8,896
VISA INC COM CL A 92826C839 247,825 698 SH SOLE 0 0 0 698
WALMART INC COM 931142103 704,603 7,206 SH SOLE 0 0 0 7,206
WISDOMTREE TR EMER MKT HIGH FD 97717W315 298,914 6,600 SH SOLE 0 0 0 6,600
WISDOMTREE TR EM EX ST-OWNED 97717X578 660,706 19,162 SH SOLE 0 0 0 19,162