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
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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
ALPHABET INC CAP STK CL A 02079K305 539,969 3,064 SH SOLE 0 0 0 3,064
ALTRIA GROUP INC COM 02209S103 293,150 5,000 SH SOLE 0 0 0 5,000
AMAZON COM INC COM 023135106 863,519 3,936 SH SOLE 0 0 0 3,936
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 5,898,528 86,476 SH SOLE 0 727 0 85,749
APPLE INC COM 037833100 2,053,132 10,007 SH SOLE 0 0 0 10,007
BLACKROCK ETF TRUST II ISHARES TOTAL RE 092528876 13,471,267 266,573 SH SOLE 0 551 0 266,022
BOSTON SCIENTIFIC CORP COM 101137107 338,127 3,148 SH SOLE 0 0 0 3,148
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 3,154,232 114,201 SH SOLE 0 93 0 114,108
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 764,607 15,926 SH SOLE 0 0 0 15,926
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 425,600 10,071 SH SOLE 0 0 0 10,071
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,451,545 34,267 SH SOLE 0 0 0 34,267
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 426,732 12,344 SH SOLE 0 0 0 12,344
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 10,480,369 292,421 SH SOLE 0 2,782 0 289,639
HOME DEPOT INC COM 437076102 248,582 678 SH SOLE 0 0 0 678
ISHARES GOLD TR ISHARES NEW 464285204 1,652,103 26,493 SH SOLE 0 187 0 26,306
ISHARES INC MSCI EURZONE ETF 464286608 457,646 7,698 SH SOLE 0 0 0 7,698
ISHARES INC MSCI EMRG CHN 46434G764 4,251,784 67,339 SH SOLE 0 825 0 66,514
ISHARES TR US INFRASTRUC 46435U713 1,420,656 28,881 SH SOLE 0 432 0 28,449
ISHARES TR MSCI USA QLT FCT 46432F339 10,657,492 58,295 SH SOLE 0 533 0 57,762
ISHARES TR CORE S&P MCP ETF 464287507 385,640 6,218 SH SOLE 0 0 0 6,218
ISHARES TR CORE S&P500 ETF 464287200 361,364 582 SH SOLE 0 0 0 582
ISHARES TR S&P 500 GRWT ETF 464287309 12,111,330 110,003 SH SOLE 0 1,042 0 108,961
ISHARES TR RUS 1000 VAL ETF 464287598 780,416 4,018 SH SOLE 0 0 0 4,018
ISHARES TR RUS 1000 GRW ETF 464287614 878,031 2,068 SH SOLE 0 0 0 2,068
ISHARES TR U.S. TECH ETF 464287721 4,320,487 24,935 SH SOLE 0 245 0 24,690
ISHARES TR S&P 100 ETF 464287101 261,132 858 SH SOLE 0 0 0 858
ISHARES TR EAFE VALUE ETF 464288877 10,097,954 159,073 SH SOLE 0 1,575 0 157,498
ISHARES TR EAFE GRWTH ETF 464288885 9,417,957 84,089 SH SOLE 0 835 0 83,254
ISHARES TR MSCI USA MMENTM 46432F396 2,699,995 11,235 SH SOLE 0 135 0 11,100
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746 1,129,929 28,999 SH SOLE 0 0 0 28,999
META PLATFORMS INC CL A 30303M102 358,712 486 SH SOLE 0 0 0 486
MICROSOFT CORP COM 594918104 1,715,227 3,448 SH SOLE 0 0 0 3,448
NVIDIA CORPORATION COM 67066G104 737,713 4,669 SH SOLE 0 0 0 4,669
PHILIP MORRIS INTL INC COM 718172109 1,830,771 10,052 SH SOLE 0 0 0 10,052
PRIMERICA INC COM 74164M108 208,810 763 SH SOLE 0 0 0 763
PROCORE TECHNOLOGIES INC COM 74275K108 615,780 9,000 SH SOLE 0 0 0 9,000
PROGRESSIVE CORP COM 743315103 357,059 1,338 SH SOLE 0 0 0 1,338
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,767,168 420,274 SH SOLE 0 547 0 419,727
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,722,282 63,694 SH SOLE 0 525 0 63,169
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,551,721 4,130 SH SOLE 0 0 0 4,130
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 24,442,717 336,260 SH SOLE 0 2,981 0 333,279
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 403,563 5,128 SH SOLE 0 0 0 5,128
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 443,440 8,957 SH SOLE 0 0 0 8,957
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,360,645 2,395 SH SOLE 0 0 0 2,395
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 222,616 1,155 SH SOLE 0 0 0 1,155
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 327,335 6,618 SH SOLE 0 0 0 6,618
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,143,206 110,988 SH SOLE 0 118 0 110,870
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 2,517,599 44,861 SH SOLE 0 201 0 44,660
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 873,405 15,320 SH SOLE 0 0 0 15,320