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 216,662 861 SH SOLE 0 0 861
ADVANCED MICRO DEVICES INC COM 007903107 346,803 597 SH SOLE 0 0 597
ALPHABET INC CAP STK CL A 02079K305 1,376,099 3,851 SH SOLE 0 0 3,851
ALPHABET INC CAP STK CL C 02079K107 1,759,556 4,980 SH SOLE 0 0 4,980
ALTRIA GROUP INC COM 02209S103 394,430 5,482 SH SOLE 0 0 5,482
AMAZON COM INC COM 023135106 1,361,398 5,712 SH SOLE 0 0 5,712
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 19,281,319 199,827 SH SOLE 0 0 199,827
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 14,465,097 140,370 SH SOLE 0 0 140,370
AMERICAN CENTY ETF TR US SML CP VALU 025072877 9,346,204 74,913 SH SOLE 0 0 74,913
AMERICAN ELEC PWR CO INC COM 025537101 200,837 1,468 SH SOLE 0 0 1,468
AMGEN INC COM 031162100 293,679 811 SH SOLE 0 0 811
APPLE INC COM 037833100 4,967,724 17,168 SH SOLE 0 0 17,168
APPLIED MATLS INC COM 038222105 227,022 314 SH SOLE 0 0 314
ASML HLDG NV N Y REGISTRY SHS N07059210 413,804 208 SH SOLE 0 0 208
BANCO BRADESCO S A SPONSORED ADR 059460402 42,204 14,068 SH SOLE 0 0 14,068
BANCO SANTANDER S.A. ADR 05964H105 214,355 15,533 SH SOLE 0 0 15,533
BANK AMERICA CORP COM 060505104 375,099 6,583 SH SOLE 0 0 6,583
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 298,733 597 SH SOLE 0 0 597
BROADCOM INC COM 11135F101 1,678,721 4,444 SH SOLE 0 0 4,444
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 1,120,029 50,248 SH SOLE 0 0 50,248
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 1,198,818 43,641 SH SOLE 0 0 43,641
CATERPILLAR INC COM 149123101 354,612 333 SH SOLE 0 0 333
CEMEX SAB DE CV SPON ADR NEW 151290889 179,616 14,968 SH SOLE 0 0 14,968
CHEVRON CORP NEW COM 166764100 364,672 2,200 SH SOLE 0 0 2,200
CHUBB LIMITED COM H1467J104 258,962 760 SH SOLE 0 0 760
CISCO SYS INC COM 17275R102 579,665 4,935 SH SOLE 0 0 4,935
CITIGROUP INC COM NEW 172967424 243,390 1,739 SH SOLE 0 0 1,739
COCA COLA CO COM 191216100 226,906 2,792 SH SOLE 0 0 2,792
COMCAST CORP NEW CL A 20030N101 201,948 8,226 SH SOLE 0 0 8,226
COSTCO WHOLESALE CORPORATION COM 22160K105 201,131 215 SH SOLE 0 0 215
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,388,759 19,868 SH SOLE 0 0 19,868
DUKE ENERGY CORP NEW COM NEW 26441C204 361,766 2,858 SH SOLE 0 0 2,858
ELI LILLY & CO COM 532457108 512,157 427 SH SOLE 0 0 427
EXXON MOBIL CORP COM 30233Q108 313,066 2,290 SH SOLE 0 0 2,290
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 258,088 7,104 SH SOLE 0 0 7,104
GE VERNOVA INC COM 36828A101 269,043 229 SH SOLE 0 0 229
GENUINE PARTS CO COM 372460105 204,577 1,734 SH SOLE 0 0 1,734
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 449,082 3,165 SH SOLE 0 0 3,165
GOLDMAN SACHS GROUP INC COM 38141G104 200,251 198 SH SOLE 0 0 198
HOME DEPOT INC COM 437076102 285,035 808 SH SOLE 0 0 808
HSBC HLDGS PLC SPON ADR NEW 404280406 334,622 3,519 SH SOLE 0 0 3,519
HUNTINGTON BANCSHARES INC COM 446150104 395,875 22,328 SH SOLE 0 0 22,328
INSPERITY INC COM 45778Q107 502,536 12,165 SH SOLE 0 0 12,165
INTEL CORP COM 458140100 239,745 1,717 SH SOLE 0 0 1,717
INTERNATIONAL BUSINESS MACHS COM 459200101 988,224 3,514 SH SOLE 0 0 3,514
INVESCO QQQ TR UNIT SER 1 46090E103 84,225,249 114,374 SH SOLE 0 0 114,374
ISHARES INC CORE MSCI EMKT 46434G103 4,951,657 59,774 SH SOLE 0 0 59,774
ISHARES INC ESG AWR MSCI EM 46434G863 8,925,679 163,205 SH SOLE 0 0 163,205
ISHARES TR 20 YR TR BD ETF 464287432 4,238,875 49,050 SH SOLE 0 0 49,050
ISHARES TR 7-10 YR TRSY BD 464287440 462,164 4,887 SH SOLE 0 0 4,887
ISHARES TR COHEN STEER REIT 464287564 843,346 12,470 SH SOLE 0 0 12,470
ISHARES TR CORE INTL AGGR 46435G672 869,606 17,186 SH SOLE 0 0 17,186
ISHARES TR CORE MSCI EAFE 46432F842 316,010 3,272 SH SOLE 0 0 3,272
ISHARES TR CORE S&P MCP ETF 464287507 1,197,942 15,535 SH SOLE 0 0 15,535
ISHARES TR CORE S&P SCP ETF 464287804 2,593,926 17,490 SH SOLE 0 0 17,490
ISHARES TR CORE S&P500 ETF 464287200 1,894,522 2,530 SH SOLE 0 0 2,530
ISHARES TR CORE US AGGBD ET 464287226 4,266,198 43,102 SH SOLE 0 0 43,102
ISHARES TR CRE U S REIT ETF 464288521 1,284,213 19,326 SH SOLE 0 0 19,326
ISHARES TR EAFE SML CP ETF 464288273 1,617,139 19,656 SH SOLE 0 0 19,656
ISHARES TR FALN ANGLS USD 46435G474 288,004 10,573 SH SOLE 0 0 10,573
ISHARES TR IBOXX INV CP ETF 464287242 1,593,667 14,611 SH SOLE 0 0 14,611
ISHARES TR ISHS 1-5YR INVS 464288646 292,972 5,590 SH SOLE 0 0 5,590
ISHARES TR MSCI ACWI ETF 464288257 5,165,872 32,910 SH SOLE 0 0 32,910
ISHARES TR MSCI INTL QUALTY 46434V456 6,481,141 130,800 SH SOLE 0 0 130,800
ISHARES TR MSCI USA QLT FCT 46432F339 281,748 1,284 SH SOLE 0 0 1,284
ISHARES TR NATIONAL MUN ETF 464288414 420,397 3,906 SH SOLE 0 0 3,906
ISHARES TR RUS 2000 GRW ETF 464287648 1,107,273 2,811 SH SOLE 0 0 2,811
ISHARES TR RUS MD CP GR ETF 464287481 19,404,987 132,539 SH SOLE 0 0 132,539
ISHARES TR RUS MDCP VAL ETF 464287473 1,139,956 6,926 SH SOLE 0 0 6,926
ISHARES TR RUSSELL 2000 ETF 464287655 221,732 738 SH SOLE 0 0 738
ISHARES TR S&P 500 GRWT ETF 464287309 841,821 6,121 SH SOLE 0 0 6,121
ISHARES TR S&P MC 400GR ETF 464287606 276,830 2,356 SH SOLE 0 0 2,356
ISHARES TR SHORT TREAS BD 464288679 440,296 3,990 SH SOLE 0 0 3,990
ISHARES TR SHRT NAT MUN ETF 464288158 1,214,184 11,404 SH SOLE 0 0 11,404
ISHARES TR SP SMCP600VL ETF 464287879 1,655,322 12,111 SH SOLE 0 0 12,111
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 861,691 16,896 SH SOLE 0 0 16,896
JOHNSON & JOHNSON COM 478160104 687,751 2,708 SH SOLE 0 0 2,708
JOHNSON CONTROLS INTERNATION SHS G51502105 238,452 1,632 SH SOLE 0 0 1,632
JPMORGAN CHASE & CO COM 46625H100 817,670 2,498 SH SOLE 0 0 2,498
KLA CORP COM NEW 482480100 289,340 959 SH SOLE 0 0 959
LAM RESEARCH CORP COM NEW 512807306 389,997 900 SH SOLE 0 0 900
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 94,242 16,165 SH SOLE 0 0 16,165
LOWES COS INC COM 548661107 310,229 1,407 SH SOLE 0 0 1,407
MASTERCARD INCORPORATED CL A 57636Q104 205,954 401 SH SOLE 0 0 401
MEDTRONIC PLC SHS G5960L103 309,478 3,956 SH SOLE 0 0 3,956
MERCK & CO INC COM 58933Y105 526,722 4,099 SH SOLE 0 0 4,099
META PLATFORMS INC CL A 30303M102 801,327 1,423 SH SOLE 0 0 1,423
MICRON TECHNOLOGY INC COM 595112103 332,436 288 SH SOLE 0 0 288
MICROSOFT CORP COM 594918104 1,208,871 3,241 SH SOLE 0 0 3,241
MORGAN STANLEY COM NEW 617446448 429,995 2,057 SH SOLE 0 0 2,057
NEXTERA ENERGY INC COM 65339F101 405,452 4,619 SH SOLE 0 0 4,619
NOVARTIS AG SPONSORED ADR 66987V109 586,133 3,740 SH SOLE 0 0 3,740
NVIDIA CORPORATION COM 67066G104 2,512,590 12,557 SH SOLE 0 0 12,557
PALO ALTO NETWORKS INC COM 697435105 262,585 770 SH SOLE 0 0 770
PHILIP MORRIS INTL INC COM 718172109 468,738 2,591 SH SOLE 0 0 2,591
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,122,352 30,973 SH SOLE 0 0 30,973
PNC FINL SVCS GROUP INC COM 693475105 3,577,330 14,529 SH SOLE 0 0 14,529
PROLOGIS INC. COM 74340W103 344,365 2,542 SH SOLE 0 0 2,542
ROYAL BK CDA COM 780087102 242,983 1,174 SH SOLE 0 0 1,174
RTX CORPORATION COM 75513E101 234,317 1,235 SH SOLE 0 0 1,235
SANDISK CORP COM 80004C200 375,165 165 SH SOLE 0 0 165
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 18,666,925 673,896 SH SOLE 0 0 673,896
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 38,952,971 1,228,413 SH SOLE 0 0 1,228,413
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 490,028 11,129 SH SOLE 0 0 11,129
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 5,289,105 10,125 SH SOLE 0 0 10,125
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,498,049 2,006 SH SOLE 0 0 2,006
SPDR SER TR BLOOMBERG HIGH Y 78468R622 376,703 3,909 SH SOLE 0 0 3,909
SPDR SER TR PRTFLO S&P500 GW 78464A409 10,652,226 89,522 SH SOLE 0 0 89,522
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,998,503 82,226 SH SOLE 0 0 82,226
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 313,708 13,304 SH SOLE 0 0 13,304
T ROWE PRICE ETF INC US HIGH YIELD 87283Q875 1,889,085 36,635 SH SOLE 0 0 36,635
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,029,163 2,155 SH SOLE 0 0 2,155
TESLA INC COM 88160R101 1,372,838 3,264 SH SOLE 0 0 3,264
TRUIST FINL CORP COM 89832Q109 222,396 4,464 SH SOLE 0 0 4,464
UNILEVER PLC SPON ADR NEW 904767803 231,883 3,857 SH SOLE 0 0 3,857
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 235,557 8,657 SH SOLE 0 0 8,657
UNITEDHEALTH GROUP INC COM 91324P102 263,925 635 SH SOLE 0 0 635
US BANCORP DEL COM NEW 902973304 295,054 4,885 SH SOLE 0 0 4,885
VALE S A SPONSORED ADS 91912E105 227,495 15,126 SH SOLE 0 0 15,126
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,074,149 92,231 SH SOLE 0 0 92,231
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 522,745 6,710 SH SOLE 0 0 6,710
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 293,200 3,994 SH SOLE 0 0 3,994
VANGUARD INDEX FDS GROWTH ETF 922908736 12,647,932 146,830 SH SOLE 0 0 146,830
VANGUARD INDEX FDS LARGE CAP ETF 922908637 16,516,496 48,026 SH SOLE 0 0 48,026
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,904,113 9,481 SH SOLE 0 0 9,481
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,918,583 9,709 SH SOLE 0 0 9,709
VANGUARD INDEX FDS MID CAP ETF 922908629 3,794,483 47,095 SH SOLE 0 0 47,095
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,959,505 41,061 SH SOLE 0 0 41,061
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 236,673 345 SH SOLE 0 0 345
VANGUARD INDEX FDS SMALL CP ETF 922908751 679,482 2,242 SH SOLE 0 0 2,242
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,834,981 5,018 SH SOLE 0 0 5,018
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,048,486 5,536 SH SOLE 0 0 5,536
VANGUARD INDEX FDS VALUE ETF 922908744 3,657,942 16,785 SH SOLE 0 0 16,785
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 458,479 7,681 SH SOLE 0 0 7,681
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,225,038 14,421 SH SOLE 0 0 14,421
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,783,368 36,848 SH SOLE 0 0 36,848
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,481,177 29,284 SH SOLE 0 0 29,284
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 310,818 5,341 SH SOLE 0 0 5,341
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 225,735 954 SH SOLE 0 0 954
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 28,443,757 399,211 SH SOLE 0 0 399,211
VENU HLDG CORP COM 92333E104 163,647 72,091 SH SOLE 0 0 72,091
VERIZON COMMUNICATIONS INC COM 92343V104 207,085 4,891 SH SOLE 0 0 4,891
VICI PPTYS INC COM 925652109 221,268 8,334 SH SOLE 0 0 8,334
VISA INC COM CL A 92826C839 672,166 1,959 SH SOLE 0 0 1,959
WALMART INC COM 931142103 254,078 2,243 SH SOLE 0 0 2,243
WELLTOWER INC COM 95040Q104 211,082 930 SH SOLE 0 0 930
WESTERN DIGITAL CORP COM 958102105 211,416 331 SH SOLE 0 0 331