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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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
ISHARES TR CORE S&P500 ETF 464287200 151,552,969 226,435 SH SOLE 0 0 226,435
VANGUARD INDEX FDS GROWTH ETF 922908736 120,381,992 250,994 SH SOLE 0 0 250,994
VANGUARD INDEX FDS MID CAP ETF 922908629 104,846,895 356,933 SH SOLE 0 0 356,933
VANGUARD INDEX FDS VALUE ETF 922908744 93,074,724 499,076 SH SOLE 0 0 499,076
ISHARES TR EAFE VALUE ETF 464288877 58,927,161 868,748 SH SOLE 0 0 868,748
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 51,892,506 866,030 SH SOLE 0 0 866,030
ISHARES TR EAFE GRWTH ETF 464288885 51,308,215 450,546 SH SOLE 0 0 450,546
ISHARES INC CORE MSCI EMKT 46434G103 40,681,130 617,129 SH SOLE 0 0 617,129
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 38,929,021 1,219,963 SH SOLE 0 0 1,219,963
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,222,590 79,497 SH SOLE 0 0 79,497
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 19,925,958 222,960 SH SOLE 0 0 222,960
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 17,820,053 260,299 SH SOLE 0 0 260,299
AMERICAN CENTY ETF TR US SML CP VALU 025072877 16,821,177 169,006 SH SOLE 0 0 169,006
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 14,362,656 321,384 SH SOLE 0 0 321,384
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,447,504 59,624 SH SOLE 0 0 59,624
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 8,367,294 194,769 SH SOLE 0 0 194,769
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843 7,980,817 162,245 SH SOLE 0 0 162,245
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,034,347 267,059 SH SOLE 0 0 267,059
ISHARES TR S&P 500 VAL ETF 464287408 6,409,772 31,039 SH SOLE 0 0 31,039
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,199,888 209,173 SH SOLE 0 0 209,173
ISHARES TR CORE MSCI EAFE 46432F842 5,842,104 66,912 SH SOLE 0 0 66,912
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 5,523,562 119,453 SH SOLE 0 0 119,453
PIMCO ETF TR INTER MUN BD ACT 72201R866 5,512,679 105,445 SH SOLE 0 0 105,445
ISHARES TR RUS 2000 VAL ETF 464287630 5,373,614 30,392 SH SOLE 0 0 30,392
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,372,843 99,167 SH SOLE 0 0 99,167
EXXON MOBIL CORP COM 30231G102 5,233,525 46,417 SH SOLE 0 0 46,417
VANGUARD INDEX FDS GROWTH ETF 922908736 5,163,632 10,766 SH SOLE 0 0 10,766
VANGUARD INDEX FDS VALUE ETF 922908744 4,624,243 24,796 SH SOLE 0 0 24,796
APPLE INC COM 037833100 4,599,935 18,065 SH SOLE 0 0 18,065
VANGUARD INDEX FDS MID CAP ETF 922908629 4,488,291 15,280 SH SOLE 0 0 15,280
ISHARES TR MSCI EMG MKT ETF 464287234 4,318,807 80,877 SH SOLE 0 0 80,877
ISHARES TR CORE S&P500 ETF 464287200 4,280,042 6,395 SH SOLE 0 0 6,395
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,458,104 5,191 SH SOLE 0 0 5,191
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,098,422 14,801 SH SOLE 0 0 14,801
WALMART INC COM 931142103 3,022,336 29,326 SH SOLE 0 0 29,326
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,819,885 61,142 SH SOLE 0 0 61,142
ISHARES TR MSCI EAFE ETF 464287465 2,777,050 29,742 SH SOLE 0 0 29,742
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,560,422 42,731 SH SOLE 0 0 42,731
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,544,128 4,154 SH SOLE 0 0 4,154
ISHARES TR EAFE VALUE ETF 464288877 2,398,591 35,362 SH SOLE 0 0 35,362
ISHARES INC CORE MSCI EMKT 46434G103 2,357,689 35,766 SH SOLE 0 0 35,766
CHEVRON CORP NEW COM 166764100 2,322,270 14,954 SH SOLE 0 0 14,954
ISHARES TR USD INV GRDE ETF 464288620 2,152,540 41,221 SH SOLE 0 0 41,221
ISHARES TR EAFE GRWTH ETF 464288885 2,053,324 18,031 SH SOLE 0 0 18,031
STELLAR BANCORP INC COM 858927106 1,997,829 65,848 SH SOLE 0 0 65,848
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,961,362 22,125 SH SOLE 0 0 22,125
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,883,340 32,354 SH SOLE 0 0 32,354
ISHARES TR RUSSELL 2000 ETF 464287655 1,867,312 7,717 SH SOLE 0 0 7,717
UNITEDHEALTH GROUP INC COM 91324P102 1,823,945 5,282 SH SOLE 0 0 5,282
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,707,520 64,925 SH SOLE 0 0 64,925
ISHARES TR CORE MSCI INTL 46435G326 1,582,224 19,736 SH SOLE 0 0 19,736
MICROSOFT CORP COM 594918104 1,426,481 2,754 SH SOLE 0 0 2,754
CATERPILLAR INC COM 149123101 1,340,998 2,810 SH SOLE 0 0 2,810
NVIDIA CORPORATION COM 67066G104 1,268,808 6,800 SH SOLE 0 0 6,800
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,254,643 32,529 SH SOLE 0 0 32,529
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,246,796 2,480 SH SOLE 0 0 2,480
JOHNSON & JOHNSON COM 478160104 1,246,544 6,723 SH SOLE 0 0 6,723
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,093,598 3,332 SH SOLE 0 0 3,332
ISHARES TR CORE S&P MCP ETF 464287507 1,019,516 15,622 SH SOLE 0 0 15,622
INVESCO QQQ TR UNIT SER 1 46090E103 994,495 1,656 SH SOLE 0 0 1,656
AMAZON COM INC COM 023135106 912,432 4,156 SH SOLE 0 0 4,156
MCDONALDS CORP COM 580135101 911,060 2,998 SH SOLE 0 0 2,998
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 846,865 12,370 SH SOLE 0 0 12,370
AMERICAN CENTY ETF TR US SML CP VALU 025072877 836,899 8,409 SH SOLE 0 0 8,409
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 785,047 16,948 SH SOLE 0 0 16,948
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 723,774 19,911 SH SOLE 0 0 19,911
ISHARES TR EAFE SML CP ETF 464288273 702,525 9,157 SH SOLE 0 0 9,157
ISHARES GOLD TR ISHARES NEW 464285204 695,027 9,551 SH SOLE 0 0 9,551
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 671,358 24,063 SH SOLE 0 0 24,063
APPLE INC COM 037833100 668,604 2,626 SH SOLE 0 0 2,626
MICROSOFT CORP COM 594918104 661,473 1,277 SH SOLE 0 0 1,277
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 611,976 6,175 SH SOLE 0 0 6,175
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 608,680 26,146 SH SOLE 0 0 26,146
PIMCO ETF TR MTG BKD SECS ACT 72201R569 587,751 11,836 SH SOLE 0 0 11,836
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 532,296 17,083 SH SOLE 0 0 17,083
VANGUARD WORLD FD MEGA CAP INDEX 921910873 518,044 2,122 SH SOLE 0 0 2,122
BOEING CO COM 097023105 508,496 2,356 SH SOLE 0 0 2,356
EXXON MOBIL CORP COM 30231G102 479,515 4,253 SH SOLE 0 0 4,253
PIMCO ETF TR PREFERRED AND CP 72201R619 470,190 9,077 SH SOLE 0 0 9,077
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 449,012 10,501 SH SOLE 0 0 10,501
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 448,656 6,209 SH SOLE 0 0 6,209
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 443,334 16,831 SH SOLE 0 0 16,831
ALPHABET INC CAP STK CL A 02079K305 426,123 1,753 SH SOLE 0 0 1,753
TESLA INC COM 88160R101 419,371 943 SH SOLE 0 0 943
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 394,055 15,327 SH SOLE 0 0 15,327
ISHARES TR S&P 500 GRWT ETF 464287309 390,967 3,239 SH SOLE 0 0 3,239
CONOCOPHILLIPS COM 20825C104 388,878 4,111 SH SOLE 0 0 4,111
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 388,080 4,056 SH SOLE 0 0 4,056
PIMCO ETF TR MULTISECTOR BD 72201R585 376,110 14,013 SH SOLE 0 0 14,013
UNION PAC CORP COM 907818108 375,829 1,590 SH SOLE 0 0 1,590
BROADCOM INC COM 11135F101 371,727 1,127 SH SOLE 0 0 1,127
JPMORGAN CHASE & CO. COM 46625H100 346,558 1,099 SH SOLE 0 0 1,099
VANGUARD INDEX FDS LARGE CAP ETF 922908637 322,480 1,047 SH SOLE 0 0 1,047
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 312,510 10,735 SH SOLE 0 0 10,735
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 310,383 1,256 SH SOLE 0 0 1,256
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 306,754 10,349 SH SOLE 0 0 10,349
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 301,830 5,571 SH SOLE 0 0 5,571
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 281,201 1,302 SH SOLE 0 0 1,302
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 274,770 10,065 SH SOLE 0 0 10,065
CISCO SYS INC COM 17275R102 274,471 4,012 SH SOLE 0 0 4,012
HOME DEPOT INC COM 437076102 269,380 665 SH SOLE 0 0 665
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 264,251 10,136 SH SOLE 0 0 10,136
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 254,667 7,043 SH SOLE 0 0 7,043
CHEVRON CORP NEW COM 166764100 252,813 1,628 SH SOLE 0 0 1,628
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 232,580 380 SH SOLE 0 0 380
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 211,213 2,686 SH SOLE 0 0 2,686
SPDR SERIES TRUST S&P DIVID ETF 78464A763 210,145 1,500 SH SOLE 0 0 1,500
PARKER-HANNIFIN CORP COM 701094104 207,786 274 SH SOLE 0 0 274
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 205,345 4,441 SH SOLE 0 0 4,441
FIDELITY COVINGTON TRUST PFD SECS INCOME 316092261 203,770 9,235 SH SOLE 0 0 9,235
BLACKROCK INC COM 09290D101 202,253 173 SH SOLE 0 0 173
PROCTER AND GAMBLE CO COM 742718109 200,787 1,307 SH SOLE 0 0 1,307