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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 17,262 70 SH SOLE 0 0 70
ADVISORS INNER CIRCLE FD III DEMCRATIC LG ETF 00774Q346 27,963 669 SH SOLE 0 0 669
ALPHABET INC CAP STK CL C 02079K107 9,742 40 SH SOLE 0 0 40
AMAZON COM INC COM 023135106 102,979 469 SH SOLE 0 0 469
AMENTUM HOLDINGS INC COM 023939101 12,335 515 SH SOLE 0 0 515
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 2,745,145 35,880 SH SOLE 0 0 35,880
AMERICAN CENTY ETF TR AVANTIS US MID C 025072125 3,193,540 45,896 SH SOLE 0 0 45,896
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 1,539,275 26,887 SH SOLE 0 0 26,887
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 724,582 9,184 SH SOLE 0 0 9,184
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 1,338,852 18,528 SH SOLE 0 0 18,528
AMPHENOL CORP NEW CL A 032095101 12,623 102 SH SOLE 0 0 102
ANALOG DEVICES INC COM 032654105 103,194 420 SH SOLE 0 0 420
AON PLC SHS CL A G0403H108 4,279 12 SH SOLE 0 0 12
APPLE INC COM 037833100 289,260 1,136 SH SOLE 0 0 1,136
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,399,528 6,762 SH SOLE 0 0 6,762
BLACKROCK INC COM 09290D101 87,441 75 SH SOLE 0 0 75
BOOKING HOLDINGS INC COM 09857L108 32,396 6 SH SOLE 0 0 6
CAPITAL GROUP INTERNATIONAL SHS 14021M107 6,373,956 189,026 SH SOLE 0 0 189,026
CARNIVAL CORP UNIT 99/99/9999 143658300 2,891 100 SH SOLE 0 0 100
CISCO SYS INC COM 17275R102 27,711 405 SH SOLE 0 0 405
COCA COLA CONS INC COM 191098102 12,888 110 SH SOLE 0 0 110
COLGATE PALMOLIVE CO COM 194162103 20,385 255 SH SOLE 0 0 255
CORPAY INC COM SHS 219948106 23,045 80 SH SOLE 0 0 80
COSTCO WHSL CORP NEW COM 22160K105 104,597 113 SH SOLE 0 0 113
DANAHER CORPORATION COM 235851102 13,879 70 SH SOLE 0 0 70
DBX ETF TR XTRACK USD HIGH 233051432 2,524 68 SH SOLE 0 0 68
DIAMONDBACK ENERGY INC COM 25278X109 12,879 90 SH SOLE 0 0 90
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 13,110,085 360,663 SH SOLE 0 0 360,663
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 760,783 19,725 SH SOLE 0 0 19,725
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 16,137,419 222,769 SH SOLE 0 0 222,769
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 10,998,908 160,662 SH SOLE 0 0 160,662
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 131,984 4,145 SH SOLE 0 0 4,145
DORMAN PRODS INC COM 258278100 11,224 72 SH SOLE 0 0 72
ECOLAB INC COM 278865100 103,520 378 SH SOLE 0 0 378
ELI LILLY & CO COM 532457108 75,537 99 SH SOLE 0 0 99
EXACT SCIENCES CORP COM 30063P105 2,353 43 SH SOLE 0 0 43
EXXON MOBIL CORP COM 30231G102 28,075 249 SH SOLE 0 0 249
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 68,947 307 SH SOLE 0 0 307
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 133,163 7,301 SH SOLE 0 0 7,301
GE AEROSPACE COM NEW 369604301 15,643 52 SH SOLE 0 0 52
HOME DEPOT INC COM 437076102 94,005 232 SH SOLE 0 0 232
INTERNATIONAL BUSINESS MACHS COM 459200101 25,395 90 SH SOLE 0 0 90
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263 1,285 20 SH SOLE 0 0 20
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 67,830 512 SH SOLE 0 0 512
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 10,594,582 55,849 SH SOLE 0 0 55,849
ISHARES INC MSCI EURZONE ETF 464286608 31,378 507 SH SOLE 0 0 507
ISHARES TR 0-3 MNTH TREASRY 46436E718 10,565,931 104,925 SH SOLE 0 0 104,925
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,461,451 14,139 SH SOLE 0 0 14,139
ISHARES TR CORE S&P MCP ETF 464287507 96,259 1,475 SH SOLE 0 0 1,475
ISHARES TR CORE S&P SCP ETF 464287804 2,139 18 SH SOLE 0 0 18
ISHARES TR CORE S&P500 ETF 464287200 8,821,724 13,181 SH SOLE 0 0 13,181
ISHARES TR IBDS DEC28 ETF 46435U515 907,231 35,550 SH SOLE 0 0 35,550
ISHARES TR IBONDS 28 TRM TS 46436E833 679,212 30,342 SH SOLE 0 0 30,342
ISHARES TR IBONDS 29 TRM TS 46436E825 679,217 30,937 SH SOLE 0 0 30,937
ISHARES TR IBONDS DEC 2031 46436E486 195,691 9,222 SH SOLE 0 0 9,222
ISHARES TR IBONDS DEC 2034 46438G646 56,795 2,192 SH SOLE 0 0 2,192
ISHARES TR IBONDS DEC 29 46436E205 908,106 38,692 SH SOLE 0 0 38,692
ISHARES TR IBONDS OCT 2028 46438G703 64,101 2,423 SH SOLE 0 0 2,423
ISHARES TR IBONDS OCT 2033 46438G851 121,319 4,598 SH SOLE 0 0 4,598
ISHARES TR IBONDS OCT 2034 46438G679 83,568 3,189 SH SOLE 0 0 3,189
ISHARES TR INTRM GOV CR ETF 464288612 204,577 1,904 SH SOLE 0 0 1,904
ISHARES TR ISHS 1-5YR INVS 464288646 6,585,646 124,187 SH SOLE 0 0 124,187
ISHARES TR ISHS 5-10YR INVT 464288638 10,665,880 197,188 SH SOLE 0 0 197,188
ISHARES TR RUS 2000 GRW ETF 464287648 54,407 170 SH SOLE 0 0 170
ISHARES TR RUSSELL 2000 ETF 464287655 161,346 667 SH SOLE 0 0 667
ISHARES TR S&P MC 400VL ETF 464287705 46,700 360 SH SOLE 0 0 360
ISHARES TR US SML CAP EQT 46434V290 11,750 158 SH SOLE 0 0 158
ISHARES TR YLD OPTIM BD 46434V787 53,834 2,349 SH SOLE 0 0 2,349
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 906,212 17,863 SH SOLE 0 0 17,863
JACOBS SOLUTIONS INC COM 46982L108 93,963 627 SH SOLE 0 0 627
JPMORGAN CHASE & CO. COM 46625H100 199,037 631 SH SOLE 0 0 631
KINDER MORGAN INC DEL COM 49456B101 31,708 1,120 SH SOLE 0 0 1,120
KNIFE RIVER CORP COMMON STOCK 498894104 14,068 183 SH SOLE 0 0 183
LINDE PLC SHS G54950103 84,550 178 SH SOLE 0 0 178
LOEWS CORP COM 540424108 1,230,974 12,262 SH SOLE 0 0 12,262
MCDONALDS CORP COM 580135101 4,863 16 SH SOLE 0 0 16
MERCK & CO INC COM 58933Y105 7,279 87 SH SOLE 0 0 87
META PLATFORMS INC CL A 30303M102 73,438 100 SH SOLE 0 0 100
MGM RESORTS INTERNATIONAL COM 552953101 26,862 775 SH SOLE 0 0 775
MICROSOFT CORP COM 594918104 564,048 1,089 SH SOLE 0 0 1,089
NEXTERA ENERGY INC COM 65339F101 63,412 840 SH SOLE 0 0 840
NIKE INC CL B 654106103 6,973 100 SH SOLE 0 0 100
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 64,728 2,628 SH SOLE 0 0 2,628
ORGANON & CO COMMON STOCK 68622V106 98 9 SH SOLE 0 0 9
PAR TECHNOLOGY CORP COM 698884103 103,661 2,619 SH SOLE 0 0 2,619
PGIM ETF TR ACTV HY BD ETF 69344A206 167,158 4,676 SH SOLE 0 0 4,676
PROCTER AND GAMBLE CO COM 742718109 9,219 60 SH SOLE 0 0 60
PROGRESSIVE CORP COM 743315103 12,101 49 SH SOLE 0 0 49
QUALCOMM INC COM 747525103 51,073 307 SH SOLE 0 0 307
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 1,043 71 SH SOLE 0 0 71
ROYAL CARIBBEAN GROUP COM V7780T103 90,926 281 SH SOLE 0 0 281
SCHWAB CHARLES CORP COM 808513105 50,695 531 SH SOLE 0 0 531
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,314,617 92,106 SH SOLE 0 0 92,106
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,568,851 64,297 SH SOLE 0 0 64,297
SPDR S&P 500 ETF TR TR UNIT 78462F103 140,564 211 SH SOLE 0 0 211
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 296,200 10,000 SH SOLE 0 0 10,000
SPROTT ASSET MANAGEMENT LP PHYSICAL SILVER 85207K107 251,200 16,000 SH SOLE 0 0 16,000
TARGET CORP COM 87612E106 28,704 320 SH SOLE 0 0 320
TE CONNECTIVITY PLC ORD SHS G87052109 97,472 444 SH SOLE 0 0 444
TJX COS INC NEW COM 872540109 63,598 440 SH SOLE 0 0 440
UNION PAC CORP COM 907818108 56,729 240 SH SOLE 0 0 240
UNITEDHEALTH GROUP INC COM 91324P102 62,154 180 SH SOLE 0 0 180
US FOODS HLDG CORP COM 912008109 18,389 240 SH SOLE 0 0 240
VANGUARD INDEX FDS SMALL CP ETF 922908751 141,631 557 SH SOLE 0 0 557
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 103,939 1,918 SH SOLE 0 0 1,918
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,694 68 SH SOLE 0 0 68
VANGUARD MALVERN FDS CORE BD ETF 922020748 2,447,213 31,210 SH SOLE 0 0 31,210
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,159 97 SH SOLE 0 0 97
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7,109,650 151,398 SH SOLE 0 0 151,398
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 133,282 1,667 SH SOLE 0 0 1,667
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 15,939 266 SH SOLE 0 0 266
VERTEX PHARMACEUTICALS INC COM 92532F100 7,833 20 SH SOLE 0 0 20
VISA INC COM CL A 92826C839 116,070 340 SH SOLE 0 0 340
WEC ENERGY GROUP INC COM 92939U106 12,032 105 SH SOLE 0 0 105