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
ALPHABET INC CAP STK CL A 02079K305 731,894 2,048 SH SOLE 0 0 0 2,048
ALPHABET INC CAP STK CL C 02079K107 950,458 2,690 SH SOLE 0 0 0 2,690
AMAZON COM INC COM 023135106 571,063 2,396 SH SOLE 0 0 0 2,396
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,508,113 36,134 SH SOLE 0 0 0 36,134
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 705,509 7,735 SH SOLE 0 0 0 7,735
APPLE INC COM 037833100 500,385 1,729 SH SOLE 0 0 0 1,729
APTIV PLC COM SHS G3265R107 1,041,250 16,964 SH SOLE 0 0 0 16,964
AT&T INC COM 00206R102 323,562 15,631 SH SOLE 0 0 0 15,631
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,847,440 3,692 SH SOLE 0 0 0 3,692
BLACKSTONE INC COM 09260D107 1,102,568 9,370 SH SOLE 0 0 0 9,370
BOEING CO COM 097023105 526,018 2,430 SH SOLE 0 0 0 2,430
BORGWARNER INC COM 099724106 7,218,875 108,718 SH SOLE 0 0 0 108,718
BROADCOM INC COM 11135F101 324,865 860 SH SOLE 0 0 0 860
CATERPILLAR INC COM 149123101 2,595,161 2,437 SH SOLE 0 0 0 2,437
COCA COLA CO COM 191216100 671,697 8,265 SH SOLE 0 0 0 8,265
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 371,808 9,600 SH SOLE 0 0 0 9,600
DELTA AIR LINES INC COM NEW 247361702 234,150 2,500 SH SOLE 0 0 0 2,500
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 5,135,823 115,776 SH SOLE 0 0 0 115,776
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 392,350 4,765 SH SOLE 0 0 0 4,765
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 267,716 7,267 SH SOLE 0 0 0 7,267
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 989,410 17,986 SH SOLE 0 0 0 17,986
DT MIDSTREAM INC COMMON STOCK 23345M107 279,393 1,904 SH SOLE 0 0 0 1,904
DTE ENERGY CO COM 233331107 580,225 3,808 SH SOLE 0 0 0 3,808
DUKE ENERGY CORP NEW COM NEW 26441C204 202,781 1,602 SH SOLE 0 0 0 1,602
EATON CORP PLC SHS G29183103 582,080 1,366 SH SOLE 0 0 0 1,366
FORD MTR CO COM 345370860 517,344 37,219 SH SOLE 0 0 0 37,219
GENERAL DYNAMICS CORP COM 369550108 1,096,373 3,095 SH SOLE 0 0 0 3,095
HOME DEPOT INC COM 437076102 406,287 1,152 SH SOLE 0 0 0 1,152
ISHARES TR RUS MID CAP ETF 464287499 588,778 5,337 SH SOLE 0 0 0 5,337
ISHARES TR CORE S&P SCP ETF 464287804 469,253 3,164 SH SOLE 0 0 0 3,164
ISHARES TR CORE S&P500 ETF 464287200 2,310,923 3,086 SH SOLE 0 0 0 3,086
ISHARES TR RUS 1000 ETF 464287622 541,359 1,322 SH SOLE 0 0 0 1,322
ISHARES TR RUS 1000 VAL ETF 464287598 463,041 1,910 SH SOLE 0 0 0 1,910
ISHARES TR RUS 1000 GRW ETF 464287614 273,174 2,200 SH SOLE 0 0 0 2,200
ISHARES TR CORE MSCI EAFE 46432F842 234,400 2,427 SH SOLE 0 0 0 2,427
JPMORGAN CHASE & CO COM 46625H100 1,013,414 3,096 SH SOLE 0 0 0 3,096
LEAR CORP COM NEW 521865204 1,902,445 14,191 SH SOLE 0 0 0 14,191
MICROSOFT CORP COM 594918104 1,222,760 3,278 SH SOLE 0 0 0 3,278
NVIDIA CORPORATION COM 67066G104 212,095 1,060 SH SOLE 0 0 0 1,060
RTX CORPORATION COM 75513E101 451,937 2,382 SH SOLE 0 0 0 2,382
SANDISK CORP COM 80004C200 784,437 345 SH SOLE 0 0 0 345
SEMPRA COM 816851109 223,060 2,406 SH SOLE 0 0 0 2,406
SPDR SERIES TRUST ST STR P500VAL 78464A508 586,624 9,650 SH SOLE 0 0 0 9,650
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,316,032 4,441 SH SOLE 0 0 0 4,441
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,615,258 46,403 SH SOLE 0 0 0 46,403
VANGUARD BD INDEX FDS INTERMED TERM 921937819 468,774 6,112 SH SOLE 0 0 0 6,112
VANGUARD INDEX FDS VALUE ETF 922908744 37,295,737 171,136 SH SOLE 0 0 0 171,136
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,782,881 36,145 SH SOLE 0 0 0 36,145
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 578,580 6,000 SH SOLE 0 0 0 6,000
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,271,559 50,381 SH SOLE 0 0 0 50,381
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,717,924 20,857 SH SOLE 0 0 0 20,857
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,027,468 1,496 SH SOLE 0 0 0 1,496
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,668,366 22,045 SH SOLE 0 0 0 22,045
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,581,688 23,214 SH SOLE 0 0 0 23,214
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,402,212 23,492 SH SOLE 0 0 0 23,492
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,734,469 7,330 SH SOLE 0 0 0 7,330
VANGUARD STAR FDS VG TL INTL STK F 921909768 26,805,395 313,550 SH SOLE 0 0 0 313,550
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,322,815 46,636 SH SOLE 0 0 0 46,636
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 775,769 4,909 SH SOLE 0 0 0 4,909
VERSIGENT PLC ORDINARY SHARES G9600F104 237,525 5,654 SH SOLE 0 0 0 5,654