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
ABBOTT LABORATORIES COM 002824100 433,249 4,775 SH DFND 1 0 0 4,774
ABBVIE INC COM 00287Y109 1,291,980 5,134 SH DFND 1 0 0 5,134
ALPHABET INC CAP STK CL C 02079K107 386,450 1,094 SH DFND 1 0 0 1,093
AMAZON COM INC COM 023135106 308,174 1,293 SH DFND 1 0 0 1,293
APPLE INC COM 037833100 314,264 1,086 SH DFND 1 0 0 1,086
BAXTER INTL INC COM 071813109 451,052 21,156 SH DFND 1 0 0 21,156
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 1,164,720 27,017 SH DFND 1 0 0 27,017
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 4,075,473 59,925 SH DFND 1 0 0 59,924
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 1,429,258 28,375 SH DFND 1 0 0 28,375
BLACKROCK ETF TRUST ISHA U S IND ETF 09290C830 1,176,736 32,071 SH DFND 1 0 0 32,071
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 1,058,955 33,321 SH DFND 1 0 0 33,321
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,966,745 37,305 SH DFND 1 0 0 37,305
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 1,307,970 46,630 SH DFND 1 0 0 46,629
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 415,766 7,944 SH DFND 1 0 0 7,943
BLACKSTONE INC COM 09260D107 364,189 3,095 SH DFND 1 0 0 3,095
COCA COLA CO COM 191216100 709,375 8,729 SH DFND 1 0 0 8,728
CVS HEALTH CORP COM 126650100 802,085 7,753 SH DFND 1 0 0 7,753
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 5,265,639 127,636 SH DFND 1 0 0 127,636
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 4,640,793 177,401 SH DFND 1 0 0 177,400
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 12,057,562 285,657 SH DFND 1 0 0 285,656
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 13,171,660 324,106 SH DFND 1 0 0 324,105
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 134,545,505 3,033,037 SH DFND 1 0 0 3,033,036
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 19,313,104 404,463 SH DFND 1 0 0 404,462
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 41,890,057 1,124,264 SH DFND 1 0 0 1,124,263
EMCOR GROUP INC COM 29084Q100 276,007 333 SH DFND 1 0 0 332
ETF SER SOLUTIONS DISTILLATE US 26922A321 307,671 5,136 SH DFND 1 0 0 5,136
EXXON MOBIL CORP COM 30231G102 595,552 4,356 SH DFND 1 0 0 4,356
GE AEROSPACE COM NEW 369604301 890,167 2,382 SH DFND 1 0 0 2,381
GE VERNOVA INC COM 36828A101 686,968 585 SH DFND 1 0 0 584
INTEL CORP COM 458140100 384,704 2,755 SH DFND 1 0 0 2,755
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 362,202 4,020 SH DFND 1 0 0 4,020
INVESCO QQQ TR UNIT SER 1 46090E103 798,532 1,084 SH DFND 1 0 0 1,084
ISHARES GOLD TR ISHARES NEW 464285204 378,532 5,013 SH DFND 1 0 0 5,013
ISHARES INC CORE MSCI EMKT 46434G103 2,415,312 29,156 SH DFND 1 0 0 29,156
ISHARES TR CORE UNIVRSL USD 46434V613 7,976,802 172,845 SH DFND 1 0 0 172,845
ISHARES TR S&P 500 GRWT ETF 464287309 4,226,568 30,732 SH DFND 1 0 0 30,731
ISHARES TR RUS TP200 GR ETF 464289438 407,686 1,403 SH DFND 1 0 0 1,402
ISHARES TR CONV BD ETF 46435G102 258,395 2,123 SH DFND 1 0 0 2,122
ISHARES TR MSCI USA QLT FCT 46432F339 473,550 2,158 SH DFND 1 0 0 2,158
ISHARES TR ESG AWR MSCI USA 46435G425 380,649 2,326 SH DFND 1 0 0 2,325
ISHARES TR NATIONAL MUN ETF 464288414 424,205 3,942 SH DFND 1 0 0 3,941
ISHARES TR INTL TREA BD ETF 464288117 1,113,103 27,129 SH DFND 1 0 0 27,129
ISHARES TR MSCI USA MMENTM 46432F396 1,687,847 4,923 SH DFND 1 0 0 4,923
ISHARES TR SYSTEMATIC BD ET 46435U796 202,537 2,283 SH DFND 1 0 0 2,282
ISHARES TR CORE DIV GRWTH 46434V621 400,029 5,278 SH DFND 1 0 0 5,278
ISHARES TR US TREAS BD ETF 46429B267 1,928,814 84,671 SH DFND 1 0 0 84,671
ISHARES TR S&P 500 VAL ETF 464287408 3,492,007 15,379 SH DFND 1 0 0 15,379
ISHARES TR 10-20 YR TRS ETF 464288653 1,639,515 16,338 SH DFND 1 0 0 16,337
ISHARES TR EAFE GRWTH ETF 464288885 2,225,777 17,889 SH DFND 1 0 0 17,889
ISHARES TR EAFE VALUE ETF 464288877 1,536,578 20,073 SH DFND 1 0 0 20,072
ISHARES TR MBS ETF 464288588 2,009,935 21,265 SH DFND 1 0 0 21,264
ISHARES TR CORE S&P500 ETF 464287200 10,280,293 13,727 SH DFND 1 0 0 13,727
JOHNSON & JOHNSON COM 478160104 336,868 1,326 SH DFND 1 0 0 1,326
JPMORGAN CHASE & CO COM 46625H100 307,740 940 SH DFND 1 0 0 940
MICROSOFT CORP COM 594918104 235,594 632 SH DFND 1 0 0 631
NVIDIA CORPORATION COM 67066G104 610,074 3,049 SH DFND 1 0 0 3,049
PHILIP MORRIS INTL INC COM 718172109 377,799 2,088 SH DFND 1 0 0 2,088
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 343,110 1,801 SH DFND 1 0 0 1,800
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 375,577 5,116 SH DFND 1 0 0 5,116
VANGUARD INDEX FDS TOTAL STK MKT 922908769 605,670 1,637 SH DFND 1 0 0 1,636
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 626,438 2,647 SH DFND 1 0 0 2,647
VANGUARD WORLD FD MEGA CAP INDEX 921910873 619,959 2,266 SH DFND 1 0 0 2,265
WALMART INC COM 931142103 336,517 2,971 SH DFND 1 0 0 2,971