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 282,365 1,424 SH SOLE 1,424 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 308,500 1,062 SH SOLE 1,062 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 299,348 2,386 SH SOLE 2,386 0 0
ALLEGION PLC ORD SHS G0176J109 390,249 2,686 SH SOLE 2,686 0 0
ALPHABET INC CAP STK CL C 02079K107 1,592,647 5,552 SH SOLE 5,552 0 0
ALPHABET INC CAP STK CL A 02079K305 663,113 2,306 SH SOLE 2,306 0 0
AMAZON COM INC COM 023135106 1,336,469 6,417 SH SOLE 6,417 0 0
AMBEV SA SPONSORED ADR 02319V103 123,034 42,135 SH SOLE 42,135 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 450,968 4,516 SH SOLE 4,516 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 547,047 4,952 SH SOLE 4,952 0 0
AMGEN INC COM 031162100 276,202 785 SH SOLE 785 0 0
AMRIZE LTD SHS H2927K103 308,110 5,500 SH SOLE 5,500 0 0
ANALOG DEVICES INC COM 032654105 565,017 1,776 SH SOLE 1,776 0 0
AON PLC SHS CL A G0403H108 360,222 1,116 SH SOLE 1,116 0 0
APPLIED MATLS INC COM 038222105 955,987 2,797 SH SOLE 2,797 0 0
BANK NEW YORK MELLON CORP COM 064058100 464,436 3,915 SH SOLE 3,915 0 0
BARCLAYS PLC ADR 06738E204 202,120 9,552 SH SOLE 9,552 0 0
BECTON DICKINSON & CO COM 075887109 845,426 5,377 SH SOLE 5,377 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,865,046 3,892 SH SOLE 3,892 0 0
BOOKING HOLDINGS INC COM 09857L108 1,663,076 395 SH SOLE 395 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 202,613 1,247 SH SOLE 1,247 0 0
COCA COLA CO COM 191216100 259,026 3,406 SH SOLE 3,406 0 0
COMCAST CORP NEW CL A 20030N101 791,793 27,579 SH SOLE 27,579 0 0
CONOCOPHILLIPS COM 20825C104 890,868 6,749 SH SOLE 6,749 0 0
COOPER COS INC COM 216648501 288,860 4,040 SH SOLE 4,040 0 0
CVS HEALTH CORP COM 126650100 211,582 2,946 SH SOLE 2,946 0 0
DIAMONDBACK ENERGY INC COM 25278X109 364,131 1,841 SH SOLE 1,841 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,871,451 125,359 SH SOLE 125,359 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 9,662,121 284,431 SH SOLE 284,431 0 0
DISNEY WALT CO COM 254687106 263,407 2,733 SH SOLE 2,733 0 0
ELEVANCE HEALTH INC FORMERLY COM 036752103 601,601 2,055 SH SOLE 2,055 0 0
ENBRIDGE INC COM 29250N105 646,486 11,941 SH SOLE 11,941 0 0
EXXON MOBIL CORP COM 30231G102 1,008,289 5,943 SH SOLE 5,943 0 0
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 227,195 974 SH SOLE 974 0 0
GENERAL DYNAMICS CORP COM 369550108 747,190 2,177 SH SOLE 2,177 0 0
GLOBAL X FDS DEFENSE TECH ETF 37960A529 549,364 7,755 SH SOLE 7,755 0 0
GSK PLC SPONSORED ADR 37733W204 515,640 9,343 SH SOLE 9,343 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 238,314 2,889 SH SOLE 2,889 0 0
INGREDION INC COM 457187102 227,235 2,017 SH SOLE 2,017 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 452,725 5,722 SH SOLE 5,722 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,952,784 20,596 SH SOLE 20,596 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,068,289 5,316 SH SOLE 5,316 0 0
IQVIA HLDGS INC COM 46266C105 387,808 2,274 SH SOLE 2,274 0 0
ISHARES INC MSCI CDA ETF 464286509 430,102 7,850 SH SOLE 7,850 0 0
ISHARES INC MSCI MEXICO ETF 464286822 455,292 6,052 SH SOLE 6,052 0 0
ISHARES INC CORE MSCI EMKT 46434G103 907,448 13,010 SH SOLE 13,010 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 340,631 4,034 SH SOLE 4,034 0 0
ISHARES TR TIPS BD ETF 464287176 666,243 6,037 SH SOLE 6,037 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,027,842 18,099 SH SOLE 18,099 0 0
ISHARES TR 20 YR TR BD ETF 464287432 543,286 6,267 SH SOLE 6,267 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,131,370 11,648 SH SOLE 11,648 0 0
ISHARES TR EXPANDED TECH 464287515 341,493 4,266 SH SOLE 4,266 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,537,104 47,672 SH SOLE 47,672 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,068,419 25,872 SH SOLE 25,872 0 0
ISHARES TR U.S. MED DVC ETF 464288810 438,377 8,217 SH SOLE 8,217 0 0
ISHARES TR 10+ YR INVST GRD 464289511 1,608,657 32,413 SH SOLE 32,413 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,971,838 21,262 SH SOLE 21,262 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 1,277,838 6,662 SH SOLE 6,662 0 0
ISHARES TR CORE DIV GRWTH 46434V621 918,305 13,085 SH SOLE 13,085 0 0
ISHARES TR CORE MSCI INTL 46435G326 5,738,585 68,668 SH SOLE 68,668 0 0
ISHARES TR TOP 20 U S STOCK 46438G570 335,970 11,739 SH SOLE 11,739 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 341,775 4,720 SH SOLE 4,720 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 665,998 14,741 SH SOLE 14,741 0 0
JPMORGAN CHASE & CO COM 46625H100 969,257 3,295 SH SOLE 3,295 0 0
LAMAR ADVERTISING CO CL A 512816109 221,022 1,745 SH SOLE 1,745 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 403,210 80,161 SH SOLE 80,161 0 0
MASTERCARD INCORPORATED CL A 57636Q104 279,310 559 SH SOLE 559 0 0
MCKESSON CORP COM 58155Q103 374,701 433 SH SOLE 433 0 0
MEDTRONIC PLC SHS G5960L103 611,489 7,057 SH SOLE 7,057 0 0
META PLATFORMS INC CL A 30303M102 1,476,668 2,581 SH SOLE 2,581 0 0
MICROSOFT CORP COM 594918104 1,627,267 4,396 SH SOLE 4,396 0 0
MILLICOM INTL CELLULAR S A COM STK L6388F110 219,799 2,933 SH SOLE 2,933 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 104,467 13,157 SH SOLE 13,157 0 0
NOVARTIS AG SPONSORED ADR 66987V109 472,609 3,094 SH SOLE 3,094 0 0
OMNICOM GROUP INC COM 681919106 561,963 7,462 SH SOLE 7,462 0 0
ORACLE CORP COM 68389X105 254,795 1,732 SH SOLE 1,732 0 0
PEPSICO INC COM 713448108 284,957 1,835 SH SOLE 1,835 0 0
PHILIP MORRIS INTL INC COM 718172109 1,273,614 7,703 SH SOLE 7,703 0 0
PIMCO ETF TR MTG BKD SECS ACT 72201R569 666,574 13,439 SH SOLE 13,439 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 2,665,483 101,736 SH SOLE 101,736 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 665,247 7,209 SH SOLE 7,209 0 0
QUALCOMM INC COM 747525103 332,510 2,582 SH SOLE 2,582 0 0
RENTOKIL INITIAL PLC SPONSORED ADR 760125104 417,236 13,254 SH SOLE 13,254 0 0
RTX CORPORATION COM 75513E101 321,757 1,668 SH SOLE 1,668 0 0
SANOFI SA SPONSORED ADR 80105N105 420,419 8,726 SH SOLE 8,726 0 0
SCHWAB CHARLES CORP COM 808513105 1,441,747 15,341 SH SOLE 15,341 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 387,505 7,849 SH SOLE 7,849 0 0
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 337,680 3,046 SH SOLE 3,046 0 0
SERVICE CORP INTL COM 817565104 208,173 2,523 SH SOLE 2,523 0 0
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525 666,622 13,478 SH SOLE 13,478 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,232,351 2,864 SH SOLE 2,864 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 3,585,613 76,436 SH SOLE 76,436 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 4,412,986 96,670 SH SOLE 96,670 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A409 11,036,024 112,716 SH SOLE 112,716 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508 2,917,378 51,562 SH SOLE 51,562 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A698 336,304 5,162 SH SOLE 5,162 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A870 354,578 2,776 SH SOLE 2,776 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R200 2,348,545 76,301 SH SOLE 76,301 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R663 5,311,821 57,964 SH SOLE 57,964 0 0
SSGA ACTIVE ETF TR STATE STREET DOU 78467V848 1,197,065 30,130 SH SOLE 30,130 0 0
STARBUCKS CORP COM 855244109 395,181 4,411 SH SOLE 4,411 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,554,758 5,466 SH SOLE 5,466 0 0
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 215,236 10,898 SH SOLE 10,898 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 876,642 2,594 SH SOLE 2,594 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 229,053 466 SH SOLE 466 0 0
UNILEVER PLC SPON ADR NEW 904767803 503,573 8,839 SH SOLE 8,839 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 765,246 11,126 SH SOLE 11,126 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 769,253 9,967 SH SOLE 9,967 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,461,825 30,423 SH SOLE 30,423 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,418,143 38,536 SH SOLE 38,536 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,036,760 60,796 SH SOLE 60,796 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,342,595 40,017 SH SOLE 40,017 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,343,935 29,569 SH SOLE 29,569 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 688,925 10,607 SH SOLE 10,607 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1,028,262 2,864 SH SOLE 2,864 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 3,685,746 16,411 SH SOLE 16,411 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 4,745,276 27,423 SH SOLE 27,423 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,054,671 8,730 SH SOLE 8,730 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 3,624,440 13,309 SH SOLE 13,309 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 3,611,137 11,566 SH SOLE 11,566 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,165,890 1,671 SH SOLE 1,671 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 3,717,885 16,499 SH SOLE 16,499 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 3,914,850 19,758 SH SOLE 19,758 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 1,135,150 6,312 SH SOLE 6,312 0 0
VERISIGN INC COM 92343E102 281,144 1,132 SH SOLE 1,132 0 0
VISA INC COM CL A 92826C839 855,037 2,829 SH SOLE 2,829 0 0
WALMART INC COM 931142103 246,447 1,983 SH SOLE 1,983 0 0
WARNER MUSIC GROUP CORP COM CL A 934550203 273,584 10,712 SH SOLE 10,712 0 0
WELLS FARGO & CO COM 949746101 1,065,500 13,384 SH SOLE 13,384 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 400,383 4,929 SH SOLE 4,929 0 0
YUM CHINA HLDGS INC COM 98850P109 465,556 9,544 SH SOLE 9,544 0 0
ZOETIS INC CL A 98978V103 298,007 2,521 SH SOLE 2,521 0 0