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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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
AIM ETF PRODUCTS TRUST US LRGCP B20 NOV 00888H844 294,901 9,152 SH SOLE 0 0 9,152
ALBERTSONS COS INC COMMON STOCK 013091103 1,690,382 78,586 SH SOLE 0 0 78,585
ALPHABET INC CAP STK CL A 02079K305 259,869 1,475 SH SOLE 0 0 1,474
ALPHABET INC CAP STK CL C 02079K107 296,264 1,670 SH SOLE 0 0 1,670
AMAZON COM INC COM 023135106 364,187 1,660 SH SOLE 0 0 1,660
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 194,711,197 2,455,994 SH SOLE 0 0 2,455,993
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 181,290,369 3,515,423 SH SOLE 0 0 3,515,423
AMERICAN CENTY ETF TR US SML CP VALU 025072877 251,558,476 2,761,344 SH SOLE 0 0 2,761,344
APPLE INC COM 037833100 1,033,574 5,038 SH SOLE 0 0 5,037
ARISTA NETWORKS INC COM SHS 040413205 607,721 5,940 SH SOLE 0 0 5,940
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 17,533,058 443,987 SH SOLE 0 0 443,987
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 9,773,072 240,420 SH SOLE 0 0 240,419
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 8,241,254 303,769 SH SOLE 0 0 303,769
CHEVRON CORP NEW COM 166764100 265,241 1,852 SH SOLE 0 0 1,852
COSTCO WHSL CORP NEW COM 22160K105 412,540 417 SH SOLE 0 0 416
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 6,448,269 119,501 SH SOLE 0 0 119,500
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,397,254 38,986 SH SOLE 0 0 38,985
DT MIDSTREAM INC COMMON STOCK 23345M107 452,609 4,118 SH SOLE 0 0 4,118
DTE ENERGY CO COM 233331107 942,320 7,114 SH SOLE 0 0 7,114
ELI LILLY & CO COM 532457108 257,841 331 SH SOLE 0 0 330
EXXON MOBIL CORP COM 30231G102 1,744,554 16,183 SH SOLE 0 0 16,183
HESS CORP COM 42809H107 352,230 2,542 SH SOLE 0 0 2,542
HOME DEPOT INC COM 437076102 372,261 1,015 SH SOLE 0 0 1,015
INGREDION INC COM 457187102 254,371 1,876 SH SOLE 0 0 1,875
INTUIT COM 461202103 482,777 613 SH SOLE 0 0 612
ISHARES TR TIPS BD ETF 464287176 2,113,608 19,208 SH SOLE 0 0 19,207
ISHARES TR CORE 80/20 AGGRE 464289859 494,309 5,927 SH SOLE 0 0 5,926
ISHARES TR CORE S&P TTL STK 464287150 336,567 2,492 SH SOLE 0 0 2,492
ISHARES TR EAFE SML CP ETF 464288273 999,571 13,753 SH SOLE 0 0 13,753
ISHARES TR EAFE VALUE ETF 464288877 2,065,406 32,536 SH SOLE 0 0 32,536
ISHARES TR RUS MID CAP ETF 464287499 231,670 2,519 SH SOLE 0 0 2,518
ISHARES TR CORE S&P MCP ETF 464287507 452,429 7,295 SH SOLE 0 0 7,294
ISHARES TR MSCI USA VALUE 46432F388 528,018,960 4,664,066 SH SOLE 0 0 4,664,066
ISHARES TR CORE S&P500 ETF 464287200 716,055 1,153 SH SOLE 0 0 1,153
ISHARES TR CORE S&P US VLU 464287663 247,788 2,618 SH SOLE 0 0 2,618
ISHARES TR RUS 1000 GRW ETF 464287614 749,687 1,766 SH SOLE 0 0 1,765
ISHARES TR RUS 1000 VAL ETF 464287598 679,362 3,498 SH SOLE 0 0 3,497
ISHARES TR RUS 2000 GRW ETF 464287648 528,482 1,849 SH SOLE 0 0 1,848
MICROSOFT CORP COM 594918104 1,040,307 2,091 SH SOLE 0 0 2,091
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 48,751,313 484,919 SH SOLE 0 0 484,918
PROCTER AND GAMBLE CO COM 742718109 201,672 1,266 SH SOLE 0 0 1,265
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,746,688 43,645 SH SOLE 0 0 43,645
SCHWAB STRATEGIC TR US TIPS ETF 808524870 328,570 12,315 SH SOLE 0 0 12,315
SCHWAB STRATEGIC TR US REIT ETF 808524847 236,244 11,165 SH SOLE 0 0 11,164
SELECT SECTOR SPDR TR ENERGY 81369Y506 335,918 3,961 SH SOLE 0 0 3,960
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 228,637 6,149 SH SOLE 0 0 6,149
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 638,641 11,774 SH SOLE 0 0 11,774
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,265,679 5,286 SH SOLE 0 0 5,285
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,075,922 1,899 SH SOLE 0 0 1,899
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 866,692 16,559 SH SOLE 0 0 16,558
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 949,041 13,056 SH SOLE 0 0 13,056
T ROWE PRICE ETF INC GROWTH ETF 87283Q842 222,011,317 5,492,570 SH SOLE 0 0 5,492,569
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 680,088 3,529 SH SOLE 0 0 3,529
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 678,127 7,614 SH SOLE 0 0 7,614
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 486,942 857 SH SOLE 0 0 857
VANGUARD INDEX FDS GROWTH ETF 922908736 696,941 1,590 SH SOLE 0 0 1,589
VANGUARD INDEX FDS TOTAL STK MKT 922908769 995,409 3,275 SH SOLE 0 0 3,275
VANGUARD INDEX FDS LARGE CAP ETF 922908637 637,646 2,235 SH SOLE 0 0 2,235
VANGUARD INDEX FDS SM CP VAL ETF 922908611 54,821,446 281,121 SH SOLE 0 0 281,121
VANGUARD INDEX FDS VALUE ETF 922908744 586,149 3,316 SH SOLE 0 0 3,316
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 260,201,574 1,936,168 SH SOLE 0 0 1,936,167
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 921943858 290,665 5,098 SH SOLE 0 0 5,098
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 7,445,457 161,332 SH SOLE 0 0 161,331
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 617,916 12,603 SH SOLE 0 0 12,602
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 364,581 4,397 SH SOLE 0 0 4,396
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 970,690 4,743 SH SOLE 0 0 4,742
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 281,507 3,514 SH SOLE 0 0 3,514
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 658,398 4,939 SH SOLE 0 0 4,938
VANGUARD WORLD FD ENERGY ETF 92204A306 772,316 6,484 SH SOLE 0 0 6,483
VANGUARD WORLD FD MATERIALS ETF 92204A801 573,808 2,945 SH SOLE 0 0 2,945
VISA INC COM CL A 92826C839 409,985 1,155 SH SOLE 0 0 1,154
WISDOMTREE TR INTL QULTY DIV 97717X131 307,133 7,748 SH SOLE 0 0 7,748
WISDOMTREE TR US LARGECAP DIVD 97717W307 307,051 3,738 SH SOLE 0 0 3,738
WISDOMTREE TR US MIDCAP FUND 97717W570 1,076,881 17,434 SH SOLE 0 0 17,433