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
ABBVIE INC COM 00287Y109 375,126 1,491 SH DFND 1 0 0 1,491
ADVANCED MICRO DEVICES INC COM 007903107 373,525 643 SH DFND 1 0 0 643
AIR PRODUCTS AND CHEMICALS I COM 009158106 400,777 1,367 SH DFND 1 0 0 1,367
ALPHABET INC CAP STK CL C 02079K107 899,578 2,546 SH DFND 1 0 0 2,546
ALPHABET INC CAP STK CL A 02079K305 1,539,858 4,309 SH DFND 1 0 0 4,309
AMAZON COM INC COM 023135106 668,868 2,806 SH DFND 1 0 0 2,806
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232 208,506 2,104 SH SOLE 0 0 2,104
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281 539,175 6,091 SH SOLE 0 0 6,091
AMERICAN CENTY ETF TR AVAN RE INTL ETF 025072299 1,358,834 17,010 SH SOLE 0 0 17,010
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 375,486 7,925 SH SOLE 0 0 7,925
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 12,522,758 129,783 SH DFND 2 0 0 129,783
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 20,631,579 231,296 SH DFND 2 0 0 231,296
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 15,043,852 145,978 SH DFND 2 0 0 145,978
AMERICAN CENTY ETF TR US SML CP VALU 025072877 12,896,503 103,370 SH DFND 1 0 0 103,370
AMERICAN CENTY ETF TR US EQT ETF 025072885 24,660,050 192,534 SH DFND 1, 2 0 0 192,534
APPLE INC COM 037833100 2,102,782 7,267 SH DFND 1 0 0 7,267
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 209,554 419 SH DFND 1 0 0 419
BROADCOM INC COM 11135F101 648,597 1,717 SH DFND 1 0 0 1,717
CMS ENERGY CORP COM 125896100 278,755 3,644 SH DFND 1 0 0 3,644
CVS HEALTH CORP COM 126650100 232,556 2,248 SH DFND 1 0 0 2,248
CATERPILLAR INC COM 149123101 227,269 213 SH DFND 1 0 0 213
CHEVRON CORPORATION COM 166764100 215,864 1,302 SH DFND 1 0 0 1,302
CISCO SYS INC COM 17275R102 218,590 1,861 SH DFND 1 0 0 1,861
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 957,152 18,849 SH SOLE 0 0 18,849
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 26,888,822 384,676 SH SOLE 0 0 384,676
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 299,575 5,970 SH SOLE 0 0 5,970
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 6,049,753 208,828 SH SOLE 0 0 208,828
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 1,000,417 20,467 SH SOLE 0 0 20,467
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 2,200,616 48,794 SH SOLE 0 0 48,794
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 105,033,155 2,367,747 SH DFND 2 0 0 2,367,747
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,399,087 30,004 SH SOLE 0 0 30,004
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 20,930,435 515,022 SH DFND 2 0 0 515,022
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 18,815,157 468,855 SH SOLE 0 0 468,855
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 52,831,133 1,417,906 SH DFND 1, 2 0 0 1,417,906
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 229,156 4,741 SH SOLE 0 0 4,741
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 5,166,817 125,241 SH SOLE 0 0 125,241
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 2,835,486 59,382 SH SOLE 0 0 59,382
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 8,542,751 231,888 SH SOLE 0 0 231,888
ENTERPRISE PRODS PARTNERS L COM 293792107 276,178 7,513 SH SOLE 0 0 7,513
EXXON MOBIL CORP COM 30231G102 349,801 2,559 SH DFND 1 0 0 2,559
META PLATFORMS INC CL A 30303M102 1,162,775 2,064 SH DFND 1 0 0 2,064
FIFTH THIRD BANCORP COM 316773100 293,857 5,213 SH DFND 1 0 0 5,213
GILEAD SCIENCES INC COM 375558103 897,140 7,101 SH DFND 1 0 0 7,101
GLOBAL X FDS US INFR DEV ETF 37954Y673 821,406 13,917 SH DFND 2 0 0 13,917
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 562,069 12,862 SH SOLE 0 0 12,862
HOME DEPOT INC COM 437076102 257,546 730 SH DFND 1 0 0 730
HUNTINGTON BANCSHARES INC COM 446150104 189,991 10,613 SH DFND 1 0 0 10,613
ILLINOIS TOOL WKS INC COM 452308109 4,878,742 18,038 SH DFND 1 0 0 18,038
GIFTIFY INC COM 74940T104 134,993 142,398 SH SOLE 0 0 142,398
INTEL CORP COM 458140100 255,036 1,827 SH DFND 1 0 0 1,827
INVESCO QQQ TR UNIT SER 1 46090E103 1,489,294 2,022 SH DFND 2 0 0 2,022
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100 452,933 2,564 SH DFND 2 0 0 2,564
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 1,075,617 6,659 SH DFND 2 0 0 6,659
ISHARES INC MSCI CDA ETF 464286509 992,256 17,215 SH SOLE 0 0 17,215
ISHARES INC MSCI SWITZERLAND 464286749 451,148 7,178 SH SOLE 0 0 7,178
ISHARES INC MSCI SWEDEN ETF 464286756 240,230 4,807 SH SOLE 0 0 4,807
ISHARES INC MSCI GERMANY ETF 464286806 325,054 7,857 SH SOLE 0 0 7,857
ISHARES TR SELECT DIVID ETF 464287168 424,042 2,713 SH SOLE 0 0 2,713
ISHARES TR CORE S&P500 ETF 464287200 4,207,776 5,619 SH SOLE 0 0 5,619
ISHARES TR S&P 500 GRWT ETF 464287309 1,438,014 10,456 SH SOLE 0 0 10,456
ISHARES TR S&P 500 VAL ETF 464287408 832,856 3,668 SH SOLE 0 0 3,668
ISHARES TR 1 3 YR TREAS BD 464287457 639,715 7,791 SH SOLE 0 0 7,791
ISHARES TR MSCI EAFE ETF 464287465 1,519,972 14,632 SH SOLE 0 0 14,632
ISHARES TR RUS MD CP GR ETF 464287481 246,408 1,683 SH SOLE 0 0 1,683
ISHARES TR GLOBAL 100 ETF 464287572 203,198 1,488 SH DFND 2 0 0 1,488
ISHARES TR RUS 1000 GRW ETF 464287614 1,034,088 8,328 SH SOLE 0 0 8,328
ISHARES TR RUS 1000 ETF 464287622 1,162,570 2,839 SH SOLE 0 0 2,839
ISHARES TR CORE S&P SCP ETF 464287804 1,089,485 7,346 SH SOLE 0 0 7,346
ISHARES TR SHRT NAT MUN ETF 464288158 224,652 2,110 SH SOLE 0 0 2,110
ISHARES TR MSCI ACWI ETF 464288257 544,215 3,467 SH SOLE 0 0 3,467
ISHARES TR NATIONAL MUN ETF 464288414 281,749 2,618 SH SOLE 0 0 2,618
ISHARES TR RUS TP200 GR ETF 464289438 326,273 1,123 SH DFND 2 0 0 1,123
ISHARES TR 0-5 YR TIPS ETF 46429B747 462,376 4,526 SH SOLE 0 0 4,526
ISHARES TR CORE MSCI EAFE 46432F842 553,017 5,726 SH SOLE 0 0 5,726
ISHARES TR CORE MSCI INTL 46435G326 210,064 2,360 SH SOLE 0 0 2,360
ISHARES TR MSCI UK ETF NEW 46435G334 934,150 20,246 SH SOLE 0 0 20,246
JPMORGAN CHASE & CO COM 46625H100 1,155,961 3,531 SH DFND 1 0 0 3,531
JOHNSON & JOHNSON COM 478160104 586,351 2,309 SH DFND 1 0 0 2,309
KLA CORP COM NEW 482480100 1,612,393 5,344 SH DFND 1 0 0 5,344
LAM RESEARCH CORP COM NEW 512807306 238,332 550 SH DFND 1 0 0 550
ELI LILLY & CO COM 532457108 451,224 376 SH DFND 1 0 0 376
MARATHON PETE CORP COM 56585A102 1,130,405 4,421 SH DFND 1 0 0 4,421
MICROSOFT CORP COM 594918104 1,995,162 5,349 SH DFND 1 0 0 5,349
MICRON TECHNOLOGY INC COM 595112103 406,666 352 SH DFND 1 0 0 352
NVIDIA CORPORATION COM 67066G104 2,472,435 12,357 SH DFND 1 0 0 12,357
ONEOK INC NEW COM 682680103 360,224 4,143 SH DFND 1 0 0 4,143
ORACLE CORP COM 68389X105 496,146 3,386 SH DFND 1 0 0 3,386
PACKAGING CORP AMER COM 695156109 242,092 1,016 SH DFND 1 0 0 1,016
PARKER-HANNIFIN CORP COM 701094104 285,503 292 SH DFND 1 0 0 292
PEPSICO INC COM 713448108 303,618 2,242 SH DFND 1 0 0 2,242
PFIZER INC COM 717081103 328,171 13,628 SH DFND 1 0 0 13,628
PHILLIPS 66 COM 718546104 232,444 1,375 SH DFND 1 0 0 1,375
PROCTER & GAMBLE CO COM 742718109 270,046 1,842 SH DFND 1 0 0 1,842
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,948,831 6,627 SH DFND 2 0 0 6,627
SPDR GOLD TR GOLD SHS 78463V107 449,220 1,219 SH SOLE 0 0 1,219
SPDR SERIES TRUST ST STR SP AERO 78464A631 347,553 1,225 SH SOLE 0 0 1,225
SPDR SERIES TRUST ST STR SP SEMI 78464A862 764,668 1,226 SH DFND 2 0 0 1,226
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 676,197 3,549 SH DFND 2 0 0 3,549
STRYKER CORPORATION COM 863667101 576,890 1,832 SH DFND 1 0 0 1,832
TJX COS INC NEW COM 872540109 290,016 1,914 SH DFND 1 0 0 1,914
TESLA INC COM 88160R101 347,416 826 SH DFND 1 0 0 826
TEXAS INSTRS INC COM 882508104 438,790 1,472 SH DFND 1 0 0 1,472
TRAVELERS COMPANIES INC COM 89417E109 494,841 1,499 SH DFND 1 0 0 1,499
UFP INDUSTRIES INC COM 90278Q108 2,359,331 26,001 SH DFND 1 0 0 26,001
VALERO ENERGY CORP COM 91913Y100 303,933 1,167 SH DFND 1 0 0 1,167
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 369,370 3,553 SH DFND 1 0 0 3,553
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 403,489 5,663 SH SOLE 0 0 5,663
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 311,432 785 SH DFND 2 0 0 785
VANGUARD WORLD FD INF TECH ETF 92204A702 790,394 6,613 SH DFND 2 0 0 6,613
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 426,689 3,338 SH SOLE 0 0 3,338
VANGUARD INDEX FDS MID CAP ETF 922908629 408,329 5,068 SH SOLE 0 0 5,068
VANGUARD INDEX FDS GROWTH ETF 922908736 304,936 3,540 SH SOLE 0 0 3,540
VANGUARD INDEX FDS VALUE ETF 922908744 285,488 1,310 SH SOLE 0 0 1,310
VANGUARD INDEX FDS SMALL CP ETF 922908751 417,093 1,376 SH SOLE 0 0 1,376
VISA INC COM CL A 92826C839 246,875 720 SH DFND 1 0 0 720
WALMART INC COM 931142103 381,386 3,367 SH DFND 1 0 0 3,367
OXBRIDGE RE HLDGS LTD SHS G6856M106 69,813 67,780 SH SOLE 0 0 67,780
CHUBB LIMITED COM H1467J104 221,836 649 SH DFND 1 0 0 649