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
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 44,202,984 1,517,439 SH SOLE 649 0 1,516,790
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,971,165 33,101 SH SOLE 0 0 33,101
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 28,081,242 128,389 SH SOLE 0 0 128,389
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 17,035,177 146,489 SH SOLE 0 0 146,489
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 9,331,389 236,597 SH SOLE 0 0 236,597
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 18,470,008 612,604 SH SOLE 0 0 612,604
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 16,494,211 500,583 SH SOLE 85 0 500,498
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 28,581,617 1,154,813 SH SOLE 510 0 1,154,303
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 52,587,619 1,724,184 SH SOLE 311 0 1,723,873
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 17,271,765 593,940 SH SOLE 0 0 593,940
VANGUARD WORLD FD MEGA CAP INDEX 921910873 50,937,733 215,518 SH SOLE 0 0 215,518
ISHARES TR MSCI EAFE ETF 464287465 8,734,732 89,928 SH SOLE 0 0 89,928
ISHARES TR MSCI EMG MKT ETF 464287234 4,778,538 84,144 SH SOLE 0 0 84,144
ISHARES TR RUS 1000 GRW ETF 464287614 4,463,885 10,469 SH SOLE 0 0 10,469
ISHARES TR RUS 1000 VAL ETF 464287598 12,632,281 59,121 SH SOLE 0 0 59,121
ISHARES TR RUSSELL 2000 ETF 464287655 5,688,330 22,937 SH SOLE 0 0 22,937
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 8,049,909 12,378 SH SOLE 0 0 12,378
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 721,928 13,357 SH SOLE 0 0 13,357
VANGUARD INDEX FDS GROWTH ETF 922908736 1,514,248 3,467 SH SOLE 0 0 3,467
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,367,782 7,309 SH SOLE 0 0 7,309
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,409,523 20,297 SH SOLE 0 0 20,297
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 1,643,225 21,791 SH SOLE 0 0 21,791
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,029,500 240,219 SH SOLE 0 0 240,219
ISHARES TR CORE S&P MCP ETF 464287507 268,162 3,971 SH SOLE 0 0 3,971
APPLE INC COM 037833100 6,231,099 24,552 SH SOLE 0 0 24,552
ABBOTT LABORATORIES COM 002824100 409,345 3,987 SH SOLE 0 0 3,987
EXXON MOBIL CORP COM 30231G102 989,354 5,831 SH SOLE 0 0 5,831
ISHARES TR CORE HIGH DV ETF 46429B663 572,738 4,220 SH SOLE 0 0 4,220
JOHNSON & JOHNSON COM 478160104 519,435 2,125 SH SOLE 0 0 2,125
PALO ALTO NETWORKS INC COM 697435105 407,694 2,543 SH SOLE 0 0 2,543
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 678,758 22,124 SH SOLE 0 0 22,124
STRYKER CORPORATION COM 863667101 390,219 1,188 SH SOLE 0 0 1,188
ALPHABET INC CAP STK CL A 02079K305 3,861,931 13,430 SH SOLE 0 0 13,430
ALPHABET INC CAP STK CL C 02079K107 2,089,490 7,284 SH SOLE 0 0 7,284
BANK AMERICA CORP COM 060505104 752,892 15,444 SH SOLE 0 0 15,444
BROADCOM INC COM 11135F101 1,950,842 6,303 SH SOLE 0 0 6,303
DEERE & CO COM 244199105 318,265 565 SH SOLE 0 0 565
MICROSOFT CORP COM 594918104 4,295,083 11,603 SH SOLE 0 0 11,603
TORONTO DOMINION BK ONT COM NEW 891160509 230,009 2,465 SH SOLE 0 0 2,465
VISA INC COM CL A 92826C839 327,930 1,085 SH SOLE 0 0 1,085
EA SERIES TRUST ALPHA ARCHITECT 02072Q275 1,980,051 40,458 SH SOLE 0 0 40,458
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,934,289 19,370 SH SOLE 0 0 19,370
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,523,352 9,634 SH SOLE 0 0 9,634
AMAZON COM INC COM 023135106 860,988 4,134 SH SOLE 0 0 4,134
COSTCO WHOLESALE CORPORATION COM 22160K105 600,854 603 SH SOLE 0 0 603
NVIDIA CORPORATION COM 67066G104 1,871,138 10,729 SH SOLE 0 0 10,729
DISNEY WALT CO COM 254687106 227,382 2,359 SH SOLE 0 0 2,359
MORGAN STANLEY COM NEW 617446448 552,132 3,355 SH SOLE 0 0 3,355
ADVANCED MICRO DEVICES INC COM 007903107 316,334 1,555 SH SOLE 0 0 1,555
SCHWAB CHARLES CORP COM 808513105 443,033 4,714 SH SOLE 0 0 4,714
MASTERCARD INCORPORATED CL A 57636Q104 550,625 1,102 SH SOLE 0 0 1,102
TESLA INC COM 88160R101 2,474,740 6,657 SH SOLE 0 0 6,657
HOME DEPOT INC COM 437076102 844,665 2,568 SH SOLE 0 0 2,568
INVESCO QQQ TR UNIT SER 1 46090E103 557,876 967 SH SOLE 69 0 898
ABBVIE INC COM 00287Y109 826,897 3,802 SH SOLE 0 0 3,802
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,842,524 3,845 SH SOLE 0 0 3,845
CATERPILLAR INC COM 149123101 328,017 463 SH SOLE 0 0 463
CISCO SYS INC COM 17275R102 421,200 5,429 SH SOLE 0 0 5,429
JPMORGAN CHASE & CO COM 46625H100 2,383,284 8,102 SH SOLE 0 0 8,102
MCDONALDS CORP COM 580135101 256,102 824 SH SOLE 0 0 824
PROCTER & GAMBLE CO COM 742718109 318,431 2,205 SH SOLE 0 0 2,205
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 656,675 4,434 SH SOLE 0 0 4,434
VANGUARD INDEX FDS TOTAL STK MKT 922908769 570,721 1,779 SH SOLE 0 0 1,779
CHEVRON CORPORATION COM 166764100 290,822 1,406 SH SOLE 0 0 1,406
MERCK & CO INC COM 58933Y105 568,478 4,726 SH SOLE 0 0 4,726
EA SERIES TRUST ALPHA ARCHITECT 02072Q853 1,272,093 24,284 SH SOLE 0 0 24,284
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 274,955 4,851 SH SOLE 0 0 4,851
SEMPRA COM 816851109 387,615 3,989 SH SOLE 0 0 3,989
VANGUARD INDEX FDS VALUE ETF 922908744 3,171,426 16,164 SH SOLE 0 0 16,164
EA SERIES TRUST ALPHA ARCHITECT 02072Q358 1,833,619 39,418 SH SOLE 0 0 39,418
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 353,514 2,660 SH SOLE 0 0 2,660
COPART INC COM 217204106 781,528 23,540 SH SOLE 0 0 23,540
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 225,685 2,433 SH SOLE 0 0 2,433
QUALCOMM INC COM 747525103 365,950 2,842 SH SOLE 0 0 2,842
SIMPSON MFG INC COM 829073105 661,938 3,857 SH SOLE 0 0 3,857
STATE STR CORP COM 857477103 526,363 4,159 SH SOLE 0 0 4,159
ISHARES TR CORE MSCI EAFE 46432F842 1,380,854 15,253 SH SOLE 0 0 15,253
ISHARES TR RUS MID CAP ETF 464287499 264,879 2,724 SH SOLE 0 0 2,724
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 713,053 11,128 SH SOLE 0 0 11,128
AMGEN INC COM 031162100 230,831 656 SH SOLE 0 0 656
CONOCOPHILLIPS COM 20825C104 274,428 2,079 SH SOLE 0 0 2,079
ELI LILLY & CO COM 532457108 1,158,910 1,260 SH SOLE 0 0 1,260
BLACKROCK INC COM 09290D101 421,229 438 SH SOLE 0 0 438
CME GROUP INC COM 12572Q105 483,488 1,637 SH SOLE 0 0 1,637
HUNTINGTON INGALLS INDS INC COM 446413106 362,045 953 SH SOLE 0 0 953
NORFOLK SOUTHN CORP COM 655844108 327,754 1,142 SH SOLE 0 0 1,142
OREILLY AUTOMOTIVE INC COM 67103H107 667,401 7,230 SH SOLE 0 0 7,230
RTX CORPORATION COM 75513E101 714,116 3,702 SH SOLE 0 0 3,702
TRACTOR SUPPLY CO COM 892356106 285,390 6,300 SH SOLE 0 0 6,300
UNITEDHEALTH GROUP INC COM 91324P102 273,025 1,009 SH SOLE 0 0 1,009
META PLATFORMS INC CL A 30303M102 485,167 848 SH SOLE 0 0 848
WELLS FARGO & CO COM 949746101 424,833 5,336 SH SOLE 0 0 5,336
VANGUARD INDEX FDS LARGE CAP ETF 922908637 300,643 1,006 SH SOLE 0 0 1,006
VANGUARD INDEX FDS MID CAP ETF 922908629 487,919 1,699 SH SOLE 0 0 1,699
TRANE TECHNOLOGIES PLC SHS G8994E103 330,475 793 SH SOLE 0 0 793
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 258,913 1,405 SH SOLE 0 0 1,405
MARRIOTT INTL INC NEW CL A 571903202 506,959 1,550 SH SOLE 0 0 1,550
ISHARES TR CORE S&P US VLU 464287663 239,776 2,345 SH SOLE 0 0 2,345
ABACUS GLOBAL MGMT INC CL A 00258Y104 78,800 10,000 SH SOLE 0 0 10,000
AQUESTIVE THERAPEUTICS INC COM 03843E104 145,250 35,000 SH SOLE 0 0 35,000
ISHARES TR RUS 1000 ETF 464287622 356,560 1,000 SH SOLE 0 0 1,000
ISHARES TR SELECT DIVID ETF 464287168 220,907 1,459 SH SOLE 0 0 1,459
BROWN FORMAN CORP CL B 115637209 229,420 8,677 SH SOLE 0 0 8,677
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 220,766 2,612 SH SOLE 0 0 2,612
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 208,577 2,907 SH SOLE 0 0 2,907
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 204,564 3,336 SH SOLE 0 0 3,336
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 204,381 4,183 SH SOLE 0 0 4,183
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 277,266 7,135 SH SOLE 0 0 7,135