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
ALPHABET INC CAP STK CL A 02079K305 1,026,009 2,871 SH SOLE 0 0 0 2,871
ALPHABET INC CAP STK CL C 02079K107 249,804 707 SH SOLE 0 0 0 707
ALTRIA GROUP INC COM 02209S103 359,750 5,000 SH SOLE 0 0 0 5,000
AMAZON COM INC COM 023135106 885,195 3,714 SH SOLE 0 0 0 3,714
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 10,584,779 116,048 SH SOLE 0 1,504 0 114,544
APPLE INC COM 037833100 2,614,976 9,037 SH SOLE 0 0 0 9,037
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 3,502,968 81,257 SH SOLE 0 1,397 0 79,860
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 331,458 6,287 SH SOLE 0 0 0 6,287
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 771,579 21,081 SH SOLE 0 0 0 21,081
BLACKROCK ETF TRUST II ISHA TOTA RE ETF 092528876 12,455,144 247,494 SH SOLE 0 495 0 246,999
BUNGE GLOBAL SA COM SHS H11356104 200,652 1,880 SH SOLE 0 0 0 1,880
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 3,158,189 115,558 SH SOLE 0 0 0 115,558
CITIZENS FINL GROUP INC COM 174610105 255,966 3,653 SH SOLE 0 0 0 3,653
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,799,995 34,823 SH SOLE 0 0 0 34,823
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 520,616 12,621 SH SOLE 0 0 0 12,621
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 240,617 5,984 SH SOLE 0 0 0 5,984
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 12,920,789 291,271 SH SOLE 0 3,061 0 288,210
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 760,562 15,928 SH SOLE 0 0 0 15,928
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 380,776 9,021 SH SOLE 0 0 0 9,021
EA SERIES TRUST CAMBRIA GLOBAL E 02072Q176 2,044,467 39,973 SH SOLE 0 0 0 39,973
GLOBAL X FDS DEFENSE TECH ETF 37960A529 301,603 5,051 SH SOLE 0 41 0 5,010
HOME DEPOT INC COM 437076102 228,537 648 SH SOLE 0 0 0 648
INNOVATOR ETFS TRUST EQUI DEFI 1 AUG 45783Y111 550,702 20,000 SH SOLE 0 0 0 20,000
ISHARES GOLD TR ISHARES NEW 464285204 3,407,498 45,126 SH SOLE 0 467 0 44,659
ISHARES INC MSCI EMRG CHN 46434G764 9,770,987 95,513 SH SOLE 0 1,283 0 94,230
ISHARES TR US INFRASTRUC 46435U713 3,041,371 48,245 SH SOLE 0 469 0 47,776
ISHARES TR MSCI USA QLT FCT 46432F339 12,202,517 55,610 SH SOLE 0 539 0 55,071
ISHARES TR EAFE VALUE ETF 464288877 10,949,679 143,040 SH SOLE 0 1,612 0 141,428
ISHARES TR EAFE GRWTH ETF 464288885 3,679,585 29,574 SH SOLE 0 0 0 29,574
ISHARES TR S&P 100 ETF 464287101 6,104,619 16,685 SH SOLE 0 293 0 16,392
ISHARES TR S&P 500 GRWT ETF 464287309 13,589,166 98,809 SH SOLE 0 985 0 97,824
ISHARES TR U.S. TECH ETF 464287721 6,403,669 25,388 SH SOLE 0 269 0 25,119
ISHARES TR PFD AND INCM SEC 464288687 228,979 7,510 SH SOLE 0 0 0 7,510
ISHARES TR US TREAS BD ETF 46429B267 324,417 14,241 SH SOLE 0 0 0 14,241
ISHARES TR MSCI USA MMENTM 46432F396 4,202,143 12,257 SH SOLE 0 135 0 12,122
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746 1,139,674 28,270 SH SOLE 0 0 0 28,270
META PLATFORMS INC CL A 30303M102 248,974 442 SH SOLE 0 0 0 442
MICROSOFT CORP COM 594918104 1,211,889 3,249 SH SOLE 0 0 0 3,249
NVIDIA CORPORATION COM 67066G104 525,551 2,627 SH SOLE 0 0 0 2,627
OLD DOMINION FREIGHT LINE IN COM 679580100 265,552 1,226 SH SOLE 0 0 0 1,226
PHILIP MORRIS INTL INC COM 718172109 1,827,553 10,102 SH SOLE 0 0 0 10,102
PRIMERICA INC COM 74164M108 216,845 763 SH SOLE 0 0 0 763
PROGRESSIVE CORP COM 743315103 278,961 1,277 SH SOLE 0 0 0 1,277
REGIONS FINANCIAL CORP NEW COM 7591EP100 234,805 7,775 SH SOLE 0 0 0 7,775
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 7,322,730 316,590 SH SOLE 0 374 0 316,216
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,577,845 30,472 SH SOLE 0 0 0 30,472
SPDR SERIES TRUST ST STR P500ETF 78464A854 18,454,977 210,002 SH SOLE 0 1,243 0 208,759
TELEDYNE TECHNOLOGIES INC COM 879360105 256,090 384 SH SOLE 0 0 0 384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 359,789 4,618 SH SOLE 0 0 0 4,618
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 658,554 13,598 SH SOLE 0 0 0 13,598
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 206,220 838 SH SOLE 0 0 0 838
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,450,168 2,111 SH SOLE 0 0 0 2,111
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 281,833 4,722 SH SOLE 0 0 0 4,722
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,012,117 107,074 SH SOLE 0 0 0 107,074
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,059,943 73,576 SH SOLE 0 157 0 73,419
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 806,913 11,325 SH SOLE 0 0 0 11,325
WISDOMTREE TR EUROP DEFEN FD 97717Y337 282,313 10,383 SH SOLE 0 92 0 10,291