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
AIR PRODS & CHEMS INC COM 009158106 279,521 991 SH SOLE 991 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 248,595 2,192 SH SOLE 2,192 0 0
ALLEGION PLC ORD SHS G0176J109 310,146 2,152 SH SOLE 2,152 0 0
ALPHABET INC CAP STK CL A 02079K305 424,009 2,406 SH SOLE 2,406 0 0
ALPHABET INC CAP STK CL C 02079K107 1,167,936 6,584 SH SOLE 6,584 0 0
AMAZON COM INC COM 023135106 792,656 3,613 SH SOLE 3,613 0 0
AMBEV SA SPONSORED ADR 02319V103 71,958 29,858 SH SOLE 29,858 0 0
AMGEN INC COM 031162100 203,823 730 SH SOLE 730 0 0
ANALOG DEVICES INC COM 032654105 501,270 2,106 SH SOLE 2,106 0 0
APPLIED MATLS INC COM 038222105 607,060 3,316 SH SOLE 3,316 0 0
BANK AMERICA CORP COM 060505104 306,302 6,473 SH SOLE 6,473 0 0
BANK NEW YORK MELLON CORP COM 064058100 605,426 6,645 SH SOLE 6,645 0 0
BECTON DICKINSON & CO COM 075887109 799,585 4,642 SH SOLE 4,642 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,088,325 4,299 SH SOLE 4,299 0 0
BLACKROCK INC COM 09290D101 210,899 201 SH SOLE 201 0 0
BOOKING HOLDINGS INC COM 09857L108 1,644,144 284 SH SOLE 284 0 0
CARMAX INC COM 143130102 720,558 10,721 SH SOLE 10,721 0 0
COMCAST CORP NEW CL A 20030N101 834,718 23,388 SH SOLE 23,388 0 0
CONOCOPHILLIPS COM 20825C104 587,169 6,543 SH SOLE 6,543 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 3,914,516 109,222 SH SOLE 109,222 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,286,139 248,081 SH SOLE 248,081 0 0
DISNEY WALT CO COM 254687106 289,811 2,337 SH SOLE 2,337 0 0
EBAY INC. COM 278642103 482,799 6,484 SH SOLE 6,484 0 0
ELEVANCE HEALTH INC COM 036752103 687,681 1,768 SH SOLE 1,768 0 0
ENBRIDGE INC COM 29250N105 546,242 12,053 SH SOLE 12,053 0 0
ENTERGY CORP NEW COM 29364G103 248,279 2,987 SH SOLE 2,987 0 0
EXXON MOBIL CORP COM 30231G102 564,333 5,235 SH SOLE 5,235 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 670,848 8,876 SH SOLE 8,876 0 0
FISERV INC COM 337738108 402,405 2,334 SH SOLE 2,334 0 0
GENERAL DYNAMICS CORP COM 369550108 556,779 1,909 SH SOLE 1,909 0 0
GLOBAL X FDS DEFENSE TECH ETF 37960A529 602,801 10,005 SH SOLE 10,005 0 0
GSK PLC SPONSORED ADR 37733W204 261,197 6,802 SH SOLE 6,802 0 0
HANESBRANDS INC COM 410345102 65,370 14,273 SH SOLE 14,273 0 0
INGREDION INC COM 457187102 233,538 1,722 SH SOLE 1,722 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 342,534 1,162 SH SOLE 1,162 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 438,100 6,117 SH SOLE 6,117 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,175,047 28,475 SH SOLE 28,475 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,607,479 2,914 SH SOLE 2,914 0 0
IQVIA HLDGS INC COM 46266C105 290,281 1,842 SH SOLE 1,842 0 0
ISHARES INC CORE MSCI EMKT 46434G103 878,719 14,638 SH SOLE 14,638 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 325,145 4,337 SH SOLE 4,337 0 0
ISHARES TR CORE S&P MCP ETF 464287507 706,532 11,392 SH SOLE 11,392 0 0
ISHARES TR MSCI EAFE ETF 464287465 854,568 9,560 SH SOLE 9,560 0 0
ISHARES TR EXPANDED TECH 464287515 326,967 2,986 SH SOLE 2,986 0 0
ISHARES TR 20 YR TR BD ETF 464287432 424,924 4,815 SH SOLE 4,815 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 764,652 15,851 SH SOLE 15,851 0 0
ISHARES TR TIPS BD ETF 464287176 685,439 6,229 SH SOLE 6,229 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,687,385 22,566 SH SOLE 22,566 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,738,946 51,397 SH SOLE 51,397 0 0
ISHARES TR 10+ YR INVST GRD 464289511 1,235,066 24,598 SH SOLE 24,598 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,031,347 21,640 SH SOLE 21,640 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,303,324 7,129 SH SOLE 7,129 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,000,917 15,654 SH SOLE 15,654 0 0
ISHARES TR CORE MSCI INTL 46435G326 6,103,122 80,262 SH SOLE 80,262 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 327,383 4,853 SH SOLE 4,853 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 1,094,625 24,298 SH SOLE 24,298 0 0
JPMORGAN CHASE & CO. COM 46625H100 1,046,285 3,609 SH SOLE 3,609 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 331,360 77,967 SH SOLE 77,967 0 0
MASTERCARD INCORPORATED CL A 57636Q104 285,466 508 SH SOLE 508 0 0
MCKESSON CORP COM 58155Q103 471,910 644 SH SOLE 644 0 0
MEDTRONIC PLC SHS G5960L103 630,065 7,228 SH SOLE 7,228 0 0
META PLATFORMS INC CL A 30303M102 1,675,464 2,270 SH SOLE 2,270 0 0
MICROSOFT CORP COM 594918104 1,489,743 2,995 SH SOLE 2,995 0 0
NOVARTIS AG SPONSORED ADR 66987V109 531,597 4,393 SH SOLE 4,393 0 0
OMNICOM GROUP INC COM 681919106 436,892 6,073 SH SOLE 6,073 0 0
ORACLE CORP COM 68389X105 720,823 3,297 SH SOLE 3,297 0 0
PEPSICO INC COM 713448108 259,195 1,963 SH SOLE 1,963 0 0
PHILIP MORRIS INTL INC COM 718172109 1,449,208 7,957 SH SOLE 7,957 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 682,962 7,409 SH SOLE 7,409 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 2,052,577 77,339 SH SOLE 77,339 0 0
QUALCOMM INC COM 747525103 368,209 2,312 SH SOLE 2,312 0 0
RENTOKIL INITIAL PLC SPONSORED ADR 760125104 256,920 10,705 SH SOLE 10,705 0 0
RTX CORPORATION COM 75513E101 356,581 2,442 SH SOLE 2,442 0 0
SALESFORCE INC COM 79466L302 206,154 756 SH SOLE 756 0 0
SANOFI SPONSORED ADR 80105N105 482,810 9,994 SH SOLE 9,994 0 0
SCHWAB CHARLES CORP COM 808513105 1,310,663 14,365 SH SOLE 14,365 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 329,280 3,034 SH SOLE 3,034 0 0
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525 680,473 13,585 SH SOLE 13,585 0 0
SPDR GOLD TR GOLD SHS 78463V107 884,617 2,902 SH SOLE 2,902 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,612,043 84,512 SH SOLE 84,512 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,425,759 109,305 SH SOLE 109,305 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,837,167 4,592 SH SOLE 4,592 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 11,027,952 115,694 SH SOLE 115,694 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 4,043,317 77,251 SH SOLE 77,251 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,090,221 36,112 SH SOLE 36,112 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 2,409,288 26,265 SH SOLE 26,265 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 202,800 8,000 SH SOLE 8,000 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,639,496 40,875 SH SOLE 40,875 0 0
STARBUCKS CORP COM 855244109 340,497 3,716 SH SOLE 3,716 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 541,311 2,390 SH SOLE 2,390 0 0
THE CIGNA GROUP COM 125523100 217,852 659 SH SOLE 659 0 0
UNILEVER PLC SPON ADR NEW 904767704 665,958 10,887 SH SOLE 10,887 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,261,660 42,173 SH SOLE 42,173 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,366,437 80,895 SH SOLE 80,895 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,359,198 27,453 SH SOLE 27,453 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,540,471 17,297 SH SOLE 17,297 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,112,970 61,925 SH SOLE 61,925 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 1,547,730 7,944 SH SOLE 7,944 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 3,789,317 21,468 SH SOLE 21,468 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,664,375 6,702 SH SOLE 6,702 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 3,917,658 30,775 SH SOLE 30,775 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 1,540,579 12,933 SH SOLE 12,933 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 3,745,995 17,105 SH SOLE 17,105 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 3,904,736 13,942 SH SOLE 13,942 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 3,861,607 10,658 SH SOLE 10,658 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 4,006,207 23,424 SH SOLE 23,424 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 4,077,845 6,148 SH SOLE 6,148 0 0
VERISIGN INC COM 92343E102 201,871 699 SH SOLE 699 0 0
VISA INC COM CL A 92826C839 732,823 2,064 SH SOLE 2,064 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 139,216 12,148 SH SOLE 12,148 0 0
WARNER MUSIC GROUP CORP COM CL A 934550203 270,411 9,927 SH SOLE 9,927 0 0
WELLS FARGO CO NEW COM 949746101 1,218,144 15,204 SH SOLE 15,204 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 233,479 2,875 SH SOLE 2,875 0 0
YUM CHINA HLDGS INC COM 98850P109 290,168 6,490 SH SOLE 6,490 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 202,284 656 SH SOLE 656 0 0