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
ADVANCED MICRO DEVICES INC COM 007903107 327,633 564 SH SOLE 0 0 564
ALPHABET INC CAP STK CL A 02079K305 2,951,519 8,259 SH SOLE 0 0 8,259
ALPHABET INC CAP STK CL C 02079K107 244,858 693 SH SOLE 0 0 693
AMAZON COM INC COM 023135106 1,875,021 7,867 SH SOLE 0 0 7,867
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,143,804 33,214 SH SOLE 0 0 33,214
AMETEK INC COM 031100100 420,250 1,737 SH SOLE 0 0 1,737
APPLE INC COM 037833100 3,359,197 11,609 SH SOLE 0 0 11,609
APPLIED MATLS INC COM 038222105 400,542 554 SH SOLE 0 0 554
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 297,232 594 SH SOLE 0 0 594
BOEING CO COM 097023105 281,627 1,301 SH SOLE 0 0 1,301
BROADCOM INC COM 11135F101 771,366 2,042 SH SOLE 0 0 2,042
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 136,050,341 3,066,960 SH SOLE 0 0 3,066,960
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 31,142,047 445,523 SH SOLE 0 0 445,523
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 26,548,891 720,654 SH SOLE 0 0 720,654
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 16,672,333 410,244 SH SOLE 0 0 410,244
ELI LILLY & CO COM 532457108 419,801 350 SH SOLE 0 0 350
EXXON MOBIL CORP COM 30231G102 382,543 2,798 SH SOLE 0 0 2,798
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 4,672,249 79,977 SH SOLE 0 0 79,977
INTEL CORP COM 458140100 200,788 1,438 SH SOLE 0 0 1,438
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 203,204 2,713 SH SOLE 0 0 2,713
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 201,006 1,766 SH SOLE 0 0 1,766
ISHARES INC CORE MSCI EMKT 46434G103 2,773,001 33,474 SH SOLE 0 0 33,474
ISHARES TR 10-20 YR TRS ETF 464288653 779,195 7,765 SH SOLE 0 0 7,765
ISHARES TR 3 7 YR TREAS BD 464288661 899,802 7,661 SH SOLE 0 0 7,661
ISHARES TR NATIONAL MUN ETF 464288414 297,462 2,764 SH SOLE 0 0 2,764
ISHARES TR NEW YORK MUN ETF 464288323 541,200 10,040 SH SOLE 0 0 10,040
ISHARES TR SHRT NAT MUN ETF 464288158 228,337 2,145 SH SOLE 0 0 2,145
ISHARES TR CORE MSCI EAFE 46432F842 17,592,924 182,159 SH SOLE 0 0 182,159
ISHARES TR INTL EQTY FACTOR 46434V274 14,782,824 360,909 SH SOLE 0 0 360,909
ISHARES TR U S EQUITY FACTR 46434V282 39,399,315 520,948 SH SOLE 0 0 520,948
ISHARES TR IBONDS DEC2026 46435GAA0 1,703,218 70,294 SH SOLE 0 0 70,294
ISHARES TR CORE MSCI INTL 46435G326 32,690,725 367,270 SH SOLE 0 0 367,270
ISHARES TR IBONDS 27 ETF 46435UAA9 1,659,539 68,519 SH SOLE 0 0 68,519
ISHARES TR IBDS DEC28 ETF 46435U515 1,062,304 42,071 SH SOLE 0 0 42,071
ISHARES TR IBONDS DEC 29 46436E205 1,101,969 47,581 SH SOLE 0 0 47,581
ISHARES TR IBONDS 29 TRM TS 46436E825 265,727 12,274 SH SOLE 0 0 12,274
ISHARES TR IBONDS 26 TRM TS 46436E858 607,833 26,555 SH SOLE 0 0 26,555
ISHARES TR IBONDS 27 TRM TS 46436E841 604,487 27,022 SH SOLE 0 0 27,022
ISHARES TR IBONDS 28 TRM TS 46436E833 223,647 10,102 SH SOLE 0 0 10,102
ISHARES TR IBONDS DEC 2030 46436E726 887,014 40,689 SH SOLE 0 0 40,689
ISHARES TR IBONDS DEC 2031 46436E486 647,760 31,083 SH SOLE 0 0 31,083
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,107,461 21,863 SH SOLE 0 0 21,863
JOHNSON & JOHNSON COM 478160104 264,637 1,042 SH SOLE 0 0 1,042
JPMORGAN CHASE & CO COM 46625H100 440,089 1,344 SH SOLE 0 0 1,344
LAM RESEARCH CORP COM NEW 512807306 305,498 705 SH SOLE 0 0 705
META PLATFORMS INC CL A 30303M102 1,001,530 1,778 SH SOLE 0 0 1,778
MICRON TECHNOLOGY INC COM 595112103 494,036 428 SH SOLE 0 0 428
MICROSOFT CORP COM 594918104 1,873,679 5,023 SH SOLE 0 0 5,023
MORGAN STANLEY ETF TRUST CALVE INDEX ETF 61774R106 285,708 3,361 SH SOLE 0 0 3,361
MORGAN STANLEY ETF TRUST CALVERT US LARCP 61774R205 612,303 6,481 SH SOLE 0 0 6,481
NORFOLK SOUTHN CORP COM 655844108 213,292 678 SH SOLE 0 0 678
NVIDIA CORPORATION COM 67066G104 2,140,563 10,698 SH SOLE 0 0 10,698
PALO ALTO NETWORKS INC COM 697435105 243,147 713 SH SOLE 0 0 713
PNC FINL SVCS GROUP INC COM 693475105 507,213 2,060 SH SOLE 0 0 2,060
SANDISK CORP COM 80004C200 200,088 88 SH SOLE 0 0 88
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 413,380 554 SH SOLE 0 0 554
TESLA INC COM 88160R101 385,690 917 SH SOLE 0 0 917
VANGUARD BD INDEX FDS INTERMED TERM 921937819 12,894,553 168,117 SH SOLE 0 0 168,117
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 921,249 12,549 SH SOLE 0 0 12,549
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,934,439 122,536 SH SOLE 0 0 122,536
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,630,099 4,405 SH SOLE 0 0 4,405
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 597,867 2,428 SH SOLE 0 0 2,428
VANGUARD INDEX FDS VALUE ETF 922908744 994,118 4,562 SH SOLE 0 0 4,562
VANGUARD INDEX FDS MID CAP ETF 922908629 39,667,861 492,340 SH SOLE 0 0 492,340
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,064,345 4,380 SH SOLE 0 0 4,380
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 115,761,759 168,550 SH SOLE 0 0 168,550
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,572,547 260,890 SH SOLE 0 0 260,890
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,784,750 55,440 SH SOLE 0 0 55,440
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,580,438 121,225 SH SOLE 0 0 121,225
VANGUARD STAR FDS VG TL INTL STK F 921909768 242,180 2,833 SH SOLE 0 0 2,833
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 43,812,393 614,911 SH SOLE 0 0 614,911
VANGUARD WORLD FD UTILITIES ETF 92204A876 623,248 3,184 SH SOLE 0 0 3,184
VANGUARD WORLD FD EXTENDED DUR 921910709 1,366,957 21,004 SH SOLE 0 0 21,004
WALMART INC COM 931142103 368,888 3,257 SH SOLE 0 0 3,257