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 929,162 2,600 SH SOLE 0 0 2,600
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,830,589 2,791 SH SOLE 0 0 2,791
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 221,055 2,209 SH SOLE 0 0 2,209
SPDR SERIES TRUST ST STR SP TELCO 78464A540 2,226,445 9,787 SH SOLE 0 0 9,787
MANNKIND CORP COM NEW 56400P706 77,187 18,119 SH SOLE 0 0 18,119
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104 665,711 8,549 SH SOLE 0 0 8,549
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 1,348,116 14,711 SH SOLE 0 0 14,711
SPOTIFY TECHNOLOGY S A SHS L8681T102 324,605 707 SH SOLE 0 0 707
NORTHERN LTS FD TR IV INSPIRE CORP BD 66538H633 612,363 25,762 SH SOLE 0 0 25,762
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 211,346 4,068 SH SOLE 0 0 4,068
KEURIG DR PEPPER INC COM 49271V100 268,353 8,199 SH SOLE 0 0 8,199
THE CIGNA GROUP COM 125523100 384,022 1,393 SH SOLE 0 0 1,393
DELL TECHNOLOGIES INC CL C 24703L202 1,204,636 2,792 SH SOLE 0 0 2,792
NORTHERN LTS FD TR IV INSPIRE SML/ MID 66538H641 250,535 5,011 SH SOLE 0 0 5,011
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 1,274,343 19,423 SH SOLE 0 0 19,423
TRUIST FINL CORP COM 89832Q109 347,196 6,969 SH SOLE 0 0 6,969
WALMART INC COM 931142103 1,009,644 132,850 SH SOLE 0 0 132,850
CARRIER GLOBAL CORPORATION COM 14448C104 355,307 4,844 SH SOLE 0 0 4,844
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 13,202,402 280,643,531 SH SOLE 0 0 280,643,531
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,599,954 89,910,001 SH SOLE 0 0 89,910,001
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,408,555 16,984,173 SH SOLE 0 0 16,984,173
NORTHERN LTS FD TR IV INSPIRE INTL ETF 66538H419 312,208 8,188 SH SOLE 0 0 8,188
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 231,449 5,561 SH SOLE 0 0 5,561
WEST FRASER TIMBER CO LTD COM 952845105 295,196 4,361 SH SOLE 0 0 4,361
SHELL PLC SPON ADS 780259305 624,972 8,060 SH SOLE 0 0 8,060
NU HLDGS LTD ORD SHS CL A G6683N103 490,232 36,694 SH SOLE 0 0 36,694
GSK PLC SPONSORED ADR 37733W204 383,610 7,318 SH SOLE 0 0 7,318
HALEON PLC SPON ADS 405552100 197,647 21,184 SH SOLE 0 0 21,184
NATWEST GROUP PLC SPONS ADR 639057207 303,659 17,224 SH SOLE 0 0 17,224
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 200,199 4,439 SH SOLE 0 0 4,439
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 215,754 4,414 SH SOLE 0 0 4,414
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 367,821 14,859,045 SH SOLE 0 0 14,859,045
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 220,910 5,587 SH SOLE 0 0 5,587
AMERICA MOVIL SAB DE CV SPON ADS RP CL B 02390A101 311,594 11,989 SH SOLE 0 0 11,989
COOPER COS INC COM 216648501 366,868 5,116 SH SOLE 0 0 5,116
NORTHERN LTS FD TR IV INSPIRE 500 ETF 66537J796 812,496 2,840 SH SOLE 0 0 2,840
ETFIS SER TR I VIRTUS REAVES UT 26923G806 626,047 7,659 SH SOLE 0 0 7,659
BLACKROCK INC COM 09290D101 358,662 373 SH SOLE 0 0 373
LAM RESEARCH CORP COM NEW 512807306 529,096 1,221 SH SOLE 0 0 1,221
BARRICK MNG CORP COM SHS 06849F108 259,865 7,075 SH SOLE 0 0 7,075
HONEYWELL INTL INC COM 438516205 313,236 1,399 SH SOLE 0 0 1,399
HONEYWELL AEROSPACE INC COM 43849R105 309,291 1,399 SH SOLE 0 0 1,399
ALLSTATE CORP COM 020002101 342,158 1,438 SH SOLE 0 0 1,438
APPLIED MATLS INC COM 038222105 729,507 1,009 SH SOLE 0 0 1,009
BRISTOL-MYERS SQUIBB CO COM 110122108 512,645 8,897 SH SOLE 0 0 8,897
AUTOMATIC DATA PROCESSING IN COM 053015103 464,248 2,073 SH SOLE 0 0 2,073
UNITEDHEALTH GROUP INC COM 91324P102 1,502,502 3,615 SH SOLE 0 0 3,615
BECTON DICKINSON & CO COM 075887109 271,335 1,793 SH SOLE 0 0 1,793
EMERSON ELEC CO COM 291011104 484,276 3,383 SH SOLE 0 0 3,383
PPG INDS INC COM 693506107 209,832 1,730 SH SOLE 0 0 1,730
HARTFORD INSURANCE GROUP INC COM 416515104 234,295 1,768 SH SOLE 0 0 1,768
CVS HEALTH CORP COM 126650100 625,252 6,044 SH SOLE 0 0 6,044
WELLS FARGO & CO COM 949746101 916,560 11,091 SH SOLE 0 0 11,091
AMAZON COM INC COM 023135106 1,083,017 4,544 SH SOLE 0 0 4,544
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 2,398,075 12,587 SH SOLE 0 0 12,587
HSBC HLDGS PLC SPON ADR NEW 404280406 808,836 8,506 SH SOLE 0 0 8,506
UNITED PARCEL SVCS INC CL B 911312106 699,610 6,508 SH SOLE 0 0 6,508
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,168,136 2,446 SH SOLE 0 0 2,446
APPLE INC COM 037833100 541,103 1,870 SH SOLE 0 0 1,870
AMPHENOL CORP CL A 032095101 258,485 1,466 SH SOLE 0 0 1,466
FIFTH THIRD BANCORP COM 316773100 313,925 5,569 SH SOLE 0 0 5,569
FEDEX CORP COM 31428X106 370,433 1,183 SH SOLE 0 0 1,183
EOG RES INC COM 26875P101 360,260 2,777 SH SOLE 0 0 2,777
VERIZON COMMUNICATIONS INC COM 92343V104 670,200 15,829 SH SOLE 0 0 15,829
CANADIAN NAT RES LTD MED TER COM 136385101 322,241 8,158 SH SOLE 0 0 8,158
PNC FINL SVCS GROUP INC COM 693475105 471,511 1,915 SH SOLE 0 0 1,915
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 238,350 4,446 SH SOLE 0 0 4,446
JPMORGAN CHASE & CO COM 46625H100 1,441,234 4,403 SH SOLE 0 0 4,403
US BANCORP COM NEW 902973304 455,114 7,535 SH SOLE 0 0 7,535
MOODYS CORP COM 615369105 202,002 446 SH SOLE 0 0 446
M & T BK CORP COM 55261F104 280,852 1,180 SH SOLE 0 0 1,180
PROGRESSIVE CORP COM 743315103 579,329 2,652 SH SOLE 0 0 2,652
NVIDIA CORPORATION COM 67066G104 1,770,997 8,851 SH SOLE 0 0 8,851
HUNTINGTON BANCSHARES INC COM 446150104 251,447 14,182 SH SOLE 0 0 14,182
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 479,752 7,768 SH SOLE 0 0 7,768
CUMMINS INC COM 231021106 465,726 653 SH SOLE 0 0 653
NETEASE COM INC SPONSORED ADS 64110W102 340,340 2,656 SH SOLE 0 0 2,656
AMETEK INC COM 031100100 418,556 1,730 SH SOLE 0 0 1,730
INFOSYS LTD SPONSORED ADR 456788108 209,790 19,999 SH SOLE 0 0 19,999
TORONTO DOMINION BK ONT COM NEW 891160509 599,986 4,941 SH SOLE 0 0 4,941
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 342,367 58,725 SH SOLE 0 0 58,725
BHP BILLITON LIMITED SPONSORED ADS 088606108 618,660 7,426 SH SOLE 0 0 7,426
CINCINNATI FINL CORP COM 172062101 209,023 1,129 SH SOLE 0 0 1,129
HEICO CORP NEW CL A 422806208 419,877 1,628 SH SOLE 0 0 1,628
BANK MONTREAL MEDIUM COM 063671101 432,738 2,449 SH SOLE 0 0 2,449
BANK OF AMER CORP COM 060505104 1,291,338 22,663 SH SOLE 0 0 22,663
BERKLEY W R CORP COM 084423102 201,293 2,854 SH SOLE 0 0 2,854
CADENCE DESIGN SYSTEM INC COM 127387108 230,071 613 SH SOLE 0 0 613
ENI SPA SPONSORED ADR 26874R108 285,237 6,087 SH SOLE 0 0 6,087
GILEAD SCIENCES INC COM 375558103 648,630 5,134 SH SOLE 0 0 5,134
HOME DEPOT INC COM 437076102 1,126,107 3,193 SH SOLE 0 0 3,193
MCDONALDS CORP COM 580135101 1,306,949 4,835 SH SOLE 0 0 4,835
MICROSOFT CORP COM 594918104 1,397,333 3,746 SH SOLE 0 0 3,746
NOVARTIS AG SPONSORED ADR 66987V109 863,527 5,510 SH SOLE 0 0 5,510
QUALCOMM INC COM 747525103 734,540 3,975 SH SOLE 0 0 3,975
ROLLINS INC COM 775711104 211,747 5,073 SH SOLE 0 0 5,073
SLB LIMITED COM STK 806857108 331,939 7,140 SH SOLE 0 0 7,140
TJX COS INC NEW COM 872540109 577,973 3,815 SH SOLE 0 0 3,815
3M CO COM 88579Y101 452,700 2,796 SH SOLE 0 0 2,796
CONOCOPHILLIPS COM 20825C104 563,151 5,417 SH SOLE 0 0 5,417
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 202,952 18,202 SH SOLE 0 0 18,202
COMCAST CORP NEW CL A 20030N101 425,746 17,342 SH SOLE 0 0 17,342
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 487,617 19,458 SH SOLE 0 0 19,458
ISHARES TR CORE US AGGBD ET 464287226 3,509,336 35,455 SH SOLE 0 0 35,455
VANGUARD WORLD FD INF TECH ETF 92204A702 9,565 160,322 SH SOLE 0 0 160,322
MOLINA HEALTHCARE INC COM 60855R100 594,849 2,601 SH SOLE 0 0 2,601
LAS VEGAS SANDS CORP COM 517834107 219,449 4,751 SH SOLE 0 0 4,751
ISHARES TR US AER DEF ETF 464288760 649,201 2,678 SH SOLE 0 0 2,678
MASTERCARD INCORPORATED CL A 57636Q104 900,341 1,753 SH SOLE 0 0 1,753
ISHARES TR TRUST ISHARE 0-1 464288679 1,346,380 12,201 SH SOLE 0 0 12,201
ISHARES TR MBS ETF 464288588 228,549 2,418 SH SOLE 0 0 2,418
SPDR SERIES TRUST ST STR SP METAL 78464A755 211,614 1,979 SH SOLE 0 0 1,979
MERCADOLIBRE INC COM 58733R102 332,688 196 SH SOLE 0 0 196
SPDR SERIES TRUST ST STR SP BIOT 78464A870 1,750,720 11,063 SH SOLE 0 0 11,063
VISA INC COM CL A 92826C839 864,244 2,519 SH SOLE 0 0 2,519
NETAPP INC COM 64110D104 237,557 1,535 SH SOLE 0 0 1,535
GRAPHIC PACKAGING HLDG CO COM 388689101 311,265 29,448 SH SOLE 0 0 29,448
SPDR GOLD TR GOLD SHS 78463V107 1,102,561 2,993 SH SOLE 0 0 2,993
ECOPETROL S A SPONSORED ADS 279158109 163,860 11,507 SH SOLE 0 0 11,507
CRH PLC ORD G25508105 4,133,624 38,632 SH SOLE 0 0 38,632
TOTALENERGIES SE ACT F92124100 519,359 6,679 SH SOLE 0 0 6,679
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 287,083 2,307 SH SOLE 0 0 2,307
MERCK & CO INC COM 58933Y105 1,158,171 9,013 SH SOLE 0 0 9,013
CENOVUS ENERGY INC COM 15135U109 216,616 8,731 SH SOLE 0 0 8,731
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 282,720 565 SH SOLE 0 0 565
CITIGROUP INC COM NEW 172967424 894,344 6,390 SH SOLE 0 0 6,390
CBRE GROUP INC CL A 12504L109 327,162 2,429 SH SOLE 0 0 2,429
XYLEM INC COM 98419M100 208,522 1,764 SH SOLE 0 0 1,764
NXP SEMICONDUCTORS N V COM N6596X109 526,650 1,874 SH SOLE 0 0 1,874
META PLATFORMS INC CL A 30303M102 756,498 1,343 SH SOLE 0 0 1,343
SERVICENOW INC COM 81762P102 403,375 4,063 SH SOLE 0 0 4,063
MONDELEZ INTL INC CL A 609207105 397,245 6,868 SH SOLE 0 0 6,868
TENET HEALTHCARE CORP COM NEW 88033G407 632,892 3,383 SH SOLE 0 0 3,383
ASML HLDG NV N Y REGISTRY SHS N07059210 535,159 269 SH SOLE 0 0 269
ABBVIE INC COM 00287Y109 1,433,090 5,695 SH SOLE 0 0 5,695
T-MOBILE US INC COM 872590104 709,330 4,229 SH SOLE 0 0 4,229
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 234,567 14,633 SH SOLE 0 0 14,633
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,357,287 321,758 SH SOLE 0 0 321,758
PROSHARES TR HGH YLD INT RATE 74348A541 5,986,979 16,364,825 SH SOLE 0 0 16,364,825
SPDR SERIES TRUST ST STR SP AERO 78464A631 1,085,781 3,826 SH SOLE 0 0 3,826
ELEVANCE HEALTH INC FORMERLY COM 036752103 1,056,933 2,733 SH SOLE 0 0 2,733
MEDTRONIC PLC SHS G5960L103 356,729 4,560 SH SOLE 0 0 4,560
PROSHARES TR INVT INT RT HG 74347B607 5,442,998 14,799,563 SH SOLE 0 0 14,799,563
KRAFT HEINZ CO COM 500754106 215,320 9,116 SH SOLE 0 0 9,116
ISHARES TR CORE MSCI EAFE 46432F842 1,200 124,293 SH SOLE 0 0 124,293
SPDR SERIES TRUST ST STR P500ETF 78464A854 5,065 576,387 SH SOLE 0 0 576,387
SCHWAB CHARLES CORP COM 808513105 672,313 72,563,649 SH SOLE 0 0 72,563,649
AMES NATL CORP COM 031001100 249,997 8,443 SH SOLE 0 0 8,443
DIREXION SHARES ETF TRUST DAI SEM BUL ETF 25459W458 257,375 965 SH SOLE 0 0 965