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 235,772 937 SH SOLE 937 0 0
ALPHABET INC CAP STK CL A 02079K305 580,045 1,623 SH SOLE 1,623 0 0
ALPHABET INC CAP STK CL C 02079K107 768,493 2,175 SH SOLE 2,175 0 0
AMAZON COM INC COM 023135106 319,614 1,341 SH SOLE 1,341 0 0
AMERICAN BEACON SELECT FUNDS AHL TREND ETF 02368W309 2,482,949 85,903 SH SOLE 85,903 0 0
APPLE INC COM 037833100 2,370,824 8,193 SH SOLE 8,193 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 218,986 2,455 SH SOLE 2,455 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 392,693 3,066 SH SOLE 3,066 0 0
BANK OF AMER CORP COM 060505104 248,946 4,369 SH SOLE 4,369 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,961,087 7,916 SH SOLE 7,916 0 0
CBIZ INC COM 124805102 308,481 9,616 SH SOLE 9,616 0 0
CELESTICA INC COM 15101Q207 203,194 557 SH SOLE 557 0 0
CHEVRON CORPORATION COM 166764100 273,990 1,653 SH SOLE 1,653 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 640,995 685 SH SOLE 685 0 0
EXXON MOBIL CORP COM 30231G102 400,028 2,926 SH SOLE 2,926 0 0
RBB FUND TRUST FIRS EAGL OV ETF 75526L878 329,211 6,165 SH SOLE 6,165 0 0
GE AEROSPACE COM NEW 369604301 412,224 1,103 SH SOLE 1,103 0 0
GE VERNOVA INC COM 36828A101 308,988 263 SH SOLE 263 0 0
GENERAL DYNAMICS CORP COM 369550108 354,240 1,000 SH SOLE 1,000 0 0
HOME DEPOT INC COM 437076102 1,270,949 3,604 SH SOLE 3,604 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 279,305 2,734 SH SOLE 2,734 0 0
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 257,063 4,876 SH SOLE 4,876 0 0
ISHARES TR CORE MSCI EAFE 46432F842 40,722,323 421,643 SH SOLE 421,643 0 0
ISHARES INC CORE MSCI EMKT 46434G103 15,376,626 185,618 SH SOLE 185,618 0 0
ISHARES TR CORE S&P500 ETF 464287200 640,301 855 SH SOLE 855 0 0
ISHARES TR CORE US AGGBD ET 464287226 15,967,850 161,324 SH SOLE 161,324 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 381,224 8,041 SH SOLE 8,041 0 0
ISHARES GOLD TR ISHARES NEW 464285204 291,695 3,863 SH SOLE 3,863 0 0
ISHARES TR LARG CAP DEC ETF 46438G471 640,353 23,422 SH SOLE 23,422 0 0
ISHARES TR MSCI ACWI EX US 464288240 6,394,229 84,013 SH SOLE 84,013 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,530,675 53,241 SH SOLE 53,241 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 477,589 6,981 SH SOLE 6,981 0 0
ISHARES TR ESG MSCI KLD ETF 464288570 264,988 1,861 SH SOLE 1,861 0 0
ISHARES TR NATIONAL MUN ETF 464288414 9,712,382 90,247 SH SOLE 90,247 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 9,792,938 78,867 SH SOLE 78,867 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 10,725,002 44,240 SH SOLE 44,240 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,071,794 20,209 SH SOLE 20,209 0 0
ISHARES TR RUS MID CAP ETF 464287499 5,876,664 53,269 SH SOLE 53,269 0 0
ISHARES TR RUS MD CP GR ETF 464287481 222,543 1,520 SH SOLE 1,520 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 759,958 4,617 SH SOLE 4,617 0 0
ISHARES TR S&P MC 400GR ETF 464287606 756,955 6,442 SH SOLE 6,442 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,264,544 11,877 SH SOLE 11,877 0 0
JOHNSON & JOHNSON COM 478160104 1,263,581 4,975 SH SOLE 4,975 0 0
JPMORGAN CHASE & CO COM 46625H100 536,781 1,640 SH SOLE 1,640 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 21,933,210 432,992 SH SOLE 432,992 0 0
LOCKHEED MARTIN CORP COM 539830109 277,801 545 SH SOLE 545 0 0
MARSH & MCLENNAN COS INC COM 571748102 350,007 2,100 SH SOLE 2,100 0 0
MCDONALDS CORP COM 580135101 217,870 806 SH SOLE 806 0 0
META PLATFORMS INC CL A 30303M102 373,481 663 SH SOLE 663 0 0
MICROSOFT CORP COM 594918104 687,104 1,842 SH SOLE 1,842 0 0
NORFOLK SOUTHN CORP COM 655844108 206,056 655 SH SOLE 655 0 0
NVIDIA CORPORATION COM 67066G104 1,738,399 8,688 SH SOLE 8,688 0 0
NEW YORK LIFE INVTS ACTIVE E MACKAY MUN INTER 45409F827 2,067,705 84,916 SH SOLE 84,916 0 0
PINTEREST INC CL A 72352L106 1,371,640 65,223 SH SOLE 65,223 0 0
PROCTER & GAMBLE CO COM 742718109 488,088 3,328 SH SOLE 3,328 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 248,404 8,225 SH SOLE 8,225 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,276,702 44,085 SH SOLE 44,085 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 226,556 4,226 SH SOLE 4,226 0 0
SPDR GOLD TR GOLD SHS 78463V107 890,006 2,416 SH SOLE 2,416 0 0
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 260,735 6,411 SH SOLE 6,411 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 3,496,532 60,630 SH SOLE 60,630 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 11,150,330 14,931 SH SOLE 14,931 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 467,649 3,073 SH SOLE 3,073 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 462,288 968 SH SOLE 968 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 820,951 4,309 SH SOLE 4,309 0 0
COCA COLA CO COM 191216100 6,183,700 76,088 SH SOLE 76,088 0 0
TORTOISE CAPITAL SERIES TRUS AI INFRA ETF 890930803 214,453 3,835 SH SOLE 3,835 0 0
TORTOISE CAPITAL SERIES TRUS NORTH AMRCN PIPE 890930308 3,982,424 94,978 SH SOLE 94,978 0 0
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 255,548 7,283 SH SOLE 7,283 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 87,929,903 1,138,506 SH SOLE 1,138,506 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 342,491 1,447 SH SOLE 1,447 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,213,538 14,490 SH SOLE 14,490 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,364,043 257,741 SH SOLE 257,741 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,453,603 175,132 SH SOLE 175,132 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 20,320,381 235,899 SH SOLE 235,899 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 957,430 3,202 SH SOLE 3,202 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 301,521 1,908 SH SOLE 1,908 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 275,900 5,000 SH SOLE 5,000 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 17,994,330 223,338 SH SOLE 223,338 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 244,643 2,537 SH SOLE 2,537 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,041,830 2,973 SH SOLE 2,973 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 217,538 2,633 SH SOLE 2,633 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,230,166 33,750 SH SOLE 33,750 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,944,862 121,848 SH SOLE 121,848 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,232,353 49,507 SH SOLE 49,507 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 58,872,438 159,097 SH SOLE 159,097 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 33,279,703 152,708 SH SOLE 152,708 0 0
ISHARES TR MSCI ACWI ETF 464288257 31,000 200 SH Call SOLE 200 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 275,000 5,000 SH Call SOLE 5,000 0 0
ISHARES TR MSCI ACWI ETF 464288257 162,500 1,300 SH Put SOLE 1,300 0 0
ISHARES TR MSCI ACWI ETF 464288257 38,400 300 SH Put SOLE 300 0 0
ISHARES TR MSCI ACWI ETF 464288257 39,000 300 SH Put SOLE 300 0 0
ISHARES TR MSCI ACWI ETF 464288257 42,000 300 SH Put SOLE 300 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 500,000 10,000 SH Put SOLE 10,000 0 0
ISHARES TR MSCI EAFE ETF 464287465 255,000 3,000 SH Put SOLE 3,000 0 0
ISHARES TR MSCI EAFE ETF 464287465 117,000 1,300 SH Put SOLE 1,300 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 59,400 300 SH Put SOLE 300 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 240,000 1,200 SH Put SOLE 1,200 0 0
ISHARES TR RUS MID CAP ETF 464287499 209,300 2,300 SH Put SOLE 2,300 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,780,000 6,000 SH Put SOLE 6,000 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,625,000 2,500 SH Put SOLE 2,500 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 325,500 500 SH Put SOLE 500 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 264,000 400 SH Put SOLE 400 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 199,500 300 SH Put SOLE 300 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 335,000 500 SH Put SOLE 500 0 0
ISHARES TR 20 YR TR BD ETF 464287432 297,500 3,500 SH Put SOLE 3,500 0 0
ISHARES TR 20 YR TR BD ETF 464287432 2,550,000 30,000 SH Put SOLE 30,000 0 0
ISHARES TR 20 YR TR BD ETF 464287432 2,150,000 25,000 SH Put SOLE 25,000 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,305,000 15,000 SH Put SOLE 15,000 0 0
ISHARES TR 20 YR TR BD ETF 464287432 950,000 10,000 SH Put SOLE 10,000 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 348,000 1,200 SH Put SOLE 1,200 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 756,000 1,800 SH Put SOLE 1,800 0 0