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
ABBVIE INC Equities 00287Y109 298,614 1,373 SH SOLE 1,373 0 0
ALCOA UPSTREAM CORP Equities 013872106 624,165 9,410 SH SOLE 9,410 0 0
ALPHABET INC CL A Equities 02079K305 3,214,346 11,178 SH SOLE 11,178 0 0
ALPHABET INC CL C Equities 02079K107 2,848,520 9,930 SH SOLE 9,930 0 0
ALTRIA GROUP INC Equities 02209S103 288,508 4,372 SH SOLE 4,372 0 0
AMAZON.COM INC Equities 023135106 3,181,741 15,277 SH SOLE 15,277 0 0
AMERICAN INVESTMNT CO OF AMERIC Mutual Funds 461308108 202,695 3,409 SH SOLE 3,409 0 0
AMERICAN WASHNTN MUTUAL INVESTR Mutual Funds 939330106 211,889 3,367 SH SOLE 3,367 0 0
AMERIPRISE FINANCIAL INC Equities 03076C106 244,864 551 SH SOLE 551 0 0
APPLE INC Equities 037833100 5,523,232 21,763 SH SOLE 21,763 0 0
Avantis Emerging Markets Equity Equities 025072604 368,815 4,577 SH SOLE 4,577 0 0
AVANTIS INT LARGE CAP VAL Equities 025072364 321,096 4,291 SH SOLE 4,291 0 0
AVANTIS INTERNATIONAL SMALL CAP Equities 025072802 28,798,126 288,385 SH SOLE 287,889 0 496
Avantis US Small Cap Value Equities 025072877 3,518,690 31,852 SH SOLE 31,519 0 333
BANK OF AMERICA CORPORATION Equities 060505104 957,206 19,635 SH SOLE 19,635 0 0
BERKSHIRE HATHAWAY INC CLASS B Equities 084670702 2,104,167 4,391 SH SOLE 4,391 0 0
BOEING CO Equities 097023105 548,129 2,754 SH SOLE 2,754 0 0
BOOKING HOLDINGS INC Equities 09857L108 218,937 52 SH SOLE 52 0 0
BP PLC SPONSORED ADR Equities 055622104 284,444 6,052 SH SOLE 6,052 0 0
BROADCOM INC Equities 11135F101 6,624,133 21,402 SH SOLE 21,402 0 0
CAPITOL FEDERAL FINANCIAL INC Equities 14057J101 406,410 57,000 SH SOLE 57,000 0 0
CARNIVAL CORP Equities 143658300 233,231 9,012 SH SOLE 9,012 0 0
CATERPILLAR INC Equities 149123101 3,182,402 4,492 SH SOLE 4,492 0 0
CHEVRON CORPORATION Equities 166764100 991,672 4,793 SH SOLE 4,793 0 0
CHUBB LIMITED Equities H1467J104 1,135,866 3,485 SH SOLE 3,485 0 0
CONOCOPHILLIPS Equities 20825C104 840,840 6,370 SH SOLE 6,370 0 0
CONSOLIDATED EDISON INC COMMON Equities 209115104 226,360 2,000 SH SOLE 2,000 0 0
COSTCO WHOLESALE CORPORATION Equities 22160K105 2,494,064 2,503 SH SOLE 2,503 0 0
CURTISS WRIGHT CORP Equities 231561101 252,696 371 SH SOLE 371 0 0
DANAHER CORP Equities 235851102 554,959 2,927 SH SOLE 2,927 0 0
DFA EMERGING CORE Equities 25434V302 3,292,479 97,238 SH SOLE 97,238 0 0
DFA INTERNATIONAL CORE EQUITY Equities 25434V203 391,431 10,047 SH SOLE 10,047 0 0
DFA US CORE EQUITY Equities 25434V104 250,551 5,553 SH SOLE 5,553 0 0
DFA US SMALL CAP VALUE Equities 25434V815 2,471,722 70,540 SH SOLE 70,540 0 0
DIMENSIONAL EMERGING MARKETS CO Equities 25434V732 18,814,755 544,566 SH SOLE 543,635 0 931
Dimensional International High Equities 25434V765 5,668,819 175,941 SH SOLE 175,941 0 0
DIMENSIONAL INTERNATIONAL SMALL Equities 25434V781 4,392,078 111,361 SH SOLE 111,361 0 0
Dimensional U.S. High Profitabi Equities 25434V831 4,646,979 126,414 SH SOLE 126,414 0 0
DIMENSIONAL US LARGE CAP Equities 25434V666 1,151,576 32,248 SH SOLE 32,248 0 0
DOVER Equities 260003108 203,239 975 SH SOLE 975 0 0
EATON CORP PLC Equities G29183103 1,448,921 4,051 SH SOLE 4,051 0 0
ECOLAB INC Equities 278865100 762,413 2,866 SH SOLE 2,866 0 0
ELI LILLY & CO Equities 532457108 224,424 244 SH SOLE 244 0 0
EXPEDIA GROUP INC Equities 30212P303 348,182 1,508 SH SOLE 1,508 0 0
EXXON MOBIL CORP Equities 30231G102 1,027,461 6,056 SH SOLE 6,056 0 0
FORTIVE CORP Equities 34959J108 262,469 4,748 SH SOLE 4,748 0 0
GE VERNOVA Equities 36828A101 315,117 362 SH SOLE 362 0 0
GENERAL ELECTRIC CO Equities 369604301 420,547 1,482 SH SOLE 1,482 0 0
HEMPSTEAD TOWN 5.000 10/01/27 Fixed Income 424682FK3 50,074 50,000 PRN SOLE 50,000 0 0
HOME DEPOT INC Equities 437076102 980,092 2,980 SH SOLE 2,980 0 0
HYATT HOTELS CORP CL A Equities 448579102 287,292 1,998 SH SOLE 1,998 0 0
iShares 0-3 Month Treasury Bond Fixed Income 46436E718 7,678,043 76,277 SH SOLE 76,277 0 0
iShares 3-7 Year Treasury Bond Fixed Income 464288661 1,006,914 8,490 SH SOLE 8,490 0 0
ISHARES CORE MSCI EAFE ETF Equities 46432F842 200,524 2,215 SH SOLE 2,215 0 0
ISHARES CORE MSCI EMERGING Equities 46434G103 655,162 9,393 SH SOLE 9,393 0 0
ISHARES CORE S&P 500 ETF Equities 464287200 456,594 699 SH SOLE 699 0 0
ISHARES CORE S&P MIDCAP ETF Equities 464287507 868,909 12,867 SH SOLE 12,867 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804 817,960 6,580 SH SOLE 6,580 0 0
iShares Edge MSCI USA Quality F Equities 46432F339 727,344 3,792 SH SOLE 3,792 0 0
ISHARES MSCI EAFE INDEX Equities 464287465 1,403,723 14,452 SH SOLE 14,452 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614 1,922,638 4,509 SH SOLE 4,509 0 0
ISHARES RUSSELL 1000 VALUE INDE Equities 464287598 812,160 3,801 SH SOLE 3,801 0 0
JPMORGAN CHASE & CO Equities 46625H100 2,668,914 9,073 SH SOLE 9,073 0 0
JPMorgan U.S. Quality Factor ET Equities 46641Q761 848,607 13,839 SH SOLE 13,839 0 0
KEYCORP Equities 493267108 263,738 13,154 SH SOLE 13,154 0 0
MCDONALDS CORP Equities 580135101 316,384 1,018 SH SOLE 1,018 0 0
MERCK & CO INC Equities 58933Y105 588,579 4,893 SH SOLE 4,893 0 0
META PLATFORMS INC CL A Equities 30303M102 1,727,260 3,019 SH SOLE 3,019 0 0
MICROSOFT CORP Equities 594918104 4,169,595 11,264 SH SOLE 11,264 0 0
MODESTO CALIF 5.000 09/01/27 Fixed Income 607800BW8 50,089 50,000 PRN SOLE 50,000 0 0
NATIONAL FUEL GAS CO Equities 636180101 310,068 3,300 SH SOLE 3,300 0 0
NETFLIX INC Equities 64110L106 481,712 5,010 SH SOLE 5,010 0 0
NORTHROP GRUMMAN CORP Equities 666807102 1,027,453 1,506 SH SOLE 1,506 0 0
NVIDIA CORPORATION Equities 67066G104 6,485,936 37,190 SH SOLE 37,190 0 0
ORACLE CORP Equities 68389X105 689,652 4,688 SH SOLE 4,688 0 0
PEPSICO INC Equities 713448108 1,198,373 7,717 SH SOLE 7,717 0 0
PHILIP MORRIS INTERNATIONAL INC Equities 718172109 576,706 3,488 SH SOLE 3,488 0 0
PNC FINANCIAL SERVICES GROUP IN Equities 693475105 686,281 3,298 SH SOLE 3,298 0 0
PROCTER & GAMBLE CO Equities 742718109 251,037 1,738 SH SOLE 1,738 0 0
RTX CORPORATION Equities 75513E101 3,118,614 16,167 SH SOLE 16,167 0 0
SALESFORCE INC Equities 79466L302 759,747 4,070 SH SOLE 4,070 0 0
SCHWAB US DIVIDEND EQUITY ETF Equities 808524797 266,302 8,680 SH SOLE 8,680 0 0
SCHWAB US LARGE CAP GROWTH ETF Equities 808524300 239,653 8,227 SH SOLE 8,227 0 0
SOUTHERN COMPANY Equities 842587107 216,977 2,248 SH SOLE 2,248 0 0
SPDR Portfolio Total Stock Mark Equities 78464A805 1,291,761 16,339 SH SOLE 16,339 0 0
SPDR S&P DIVIDEND Equities 78464A763 506,996 3,474 SH SOLE 3,474 0 0
SPDR S&P MIDCAP 400 Equities 78467Y107 1,292,729 2,096 SH SOLE 2,096 0 0
STARBUCKS CORP Equities 855244109 465,241 5,193 SH SOLE 5,193 0 0
TE CONNECTIVITY PLC Equities G87052109 1,183,053 5,660 SH SOLE 5,660 0 0
TEXAS INSTRUMENTS INC Equities 882508104 717,347 3,695 SH SOLE 3,695 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 1,006,162 2,047 SH SOLE 2,047 0 0
UNION PACIFIC CORP Equities 907818108 931,903 3,841 SH SOLE 3,841 0 0
UNITED AIRLINES HOLDINGS INC Equities 910047109 232,201 2,522 SH SOLE 2,522 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 765,499 2,829 SH SOLE 2,829 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 9,201,824 143,599 SH SOLE 143,599 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858 529,041 9,788 SH SOLE 9,788 0 0
VANGUARD INTERMEDIATE-TERM Fixed Income 92206C706 35,042,436 588,454 SH SOLE 587,385 0 1,069
VANGUARD S&P 500 ETF Equities 922908363 768,449 1,286 SH SOLE 1,286 0 0
VANGUARD SHORT TERM INF PROT SE Fixed Income 922020805 17,394,238 348,233 SH SOLE 347,744 0 489
VANGUARD TOTAL INTERNATIONAL Equities 921909768 238,270 3,090 SH SOLE 3,090 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769 12,005,673 37,423 SH SOLE 37,423 0 0
VISA INC CL A Equities 92826C839 1,539,611 5,094 SH SOLE 5,094 0 0
WALMART INC Equities 931142103 1,283,067 10,324 SH SOLE 10,324 0 0
WELLTOWER INC Equities 95040Q104 203,641 1,030 SH SOLE 1,030 0 0
WILLIAMS COS INC Equities 969457100 214,119 2,942 SH SOLE 2,942 0 0
WISDOMTREE TR INTL QULTY DIV Equities 97717X131 253,886 6,325 SH SOLE 6,325 0 0
YUM BRANDS INC Equities 988498101 452,602 2,911 SH SOLE 2,911 0 0