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
1ST FINL BANCORP COM 320209109 383,328 11,331 SH SOLE 0 0 11,331
ABBOTT LABORATORIES COM 002824100 434,271 4,786 SH SOLE 0 0 4,786
ABBVIE INC COM 00287Y109 1,899,164 7,547 SH SOLE 0 0 7,547
ADVANCED MICRO DEVICES INC COM 007903107 1,294,267 2,228 SH SOLE 0 0 2,228
AERCAP HOLDINGS NV SHS N00985106 434,133 2,978 SH SOLE 0 0 2,978
ALPHABET INC CAP STK CL A 02079K305 3,043,842 8,517 SH SOLE 0 0 8,517
ALPHABET INC CAP STK CL C 02079K107 1,831,370 5,183 SH SOLE 0 0 5,183
ALTRIA GROUP INC COM 02209S103 520,530 7,192 SH SOLE 0 0 7,192
AMAZON COM INC COM 023135106 2,891,064 12,130 SH SOLE 0 0 12,130
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 7,244,385 110,433 SH SOLE 0 0 110,433
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 6,870,093 66,668 SH SOLE 0 0 66,668
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,759,099 30,131 SH SOLE 0 0 30,131
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 10,664,431 257,533 SH SOLE 0 0 257,533
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695 2,183,765 46,877 SH SOLE 0 0 46,877
AMERICAN EXPRESS CO COM 025816109 351,476 1,039 SH SOLE 0 0 1,039
AMGEN INC COM 031162100 574,822 1,587 SH SOLE 0 0 1,587
AMPHENOL CORP CL A 032095101 528,611 2,995 SH SOLE 0 0 2,995
ANALOG DEVICES INC COM 032654105 363,502 915 SH SOLE 0 0 915
APPLE INC COM 037833100 6,541,523 22,607 SH SOLE 0 0 22,607
APPLIED MATLS INC COM 038222105 1,587,742 2,196 SH SOLE 0 0 2,196
ASML HLDG NV N Y REGISTRY SHS N07059210 501,339 252 SH SOLE 0 0 252
ASTRAZENECA PLC ORD G0593M107 410,907 2,167 SH SOLE 0 0 2,167
BANK OF AMER CORP COM 060505104 621,085 10,900 SH SOLE 0 0 10,900
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,132,383 2,263 SH SOLE 0 0 2,263
BROADCOM INC COM 11135F101 2,854,142 7,556 SH SOLE 0 0 7,556
CATERPILLAR INC COM 149123101 534,665 502 SH SOLE 0 0 502
CHEVRON CORPORATION COM 166764100 613,667 3,702 SH SOLE 0 0 3,702
CHUBB LIMITED COM H1467J104 332,131 973 SH SOLE 0 0 973
CISCO SYS INC COM 17275R102 1,200,439 10,220 SH SOLE 0 0 10,220
CITIGROUP INC COM NEW 172967424 380,993 2,722 SH SOLE 0 0 2,722
COCA COLA CO COM 191216100 399,568 4,901 SH SOLE 0 0 4,901
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 222,285 2,221 SH SOLE 0 0 2,221
COLGATE PALMOLIVE CO COM 194162103 216,884 2,366 SH SOLE 0 0 2,366
CORNING INC COM 219350105 207,012 810 SH SOLE 0 0 810
COSTCO WHOLESALE CORPORATION COM 22160K105 817,663 874 SH SOLE 0 0 874
CSX CORP COM 126408103 517,887 10,896 SH SOLE 0 0 10,896
DEERE & CO COM 244199105 419,899 661 SH SOLE 0 0 661
DELL TECHNOLOGIES INC CL C 24703L202 497,905 1,154 SH SOLE 0 0 1,154
DISNEY WALT CO COM 254687106 293,276 3,030 SH SOLE 0 0 3,030
EATON CORP PLC SHS G29183103 260,785 612 SH SOLE 0 0 612
ELI LILLY & CO COM 532457108 902,065 752 SH SOLE 0 0 752
EOG RES INC COM 26875P101 287,482 2,216 SH SOLE 0 0 2,216
ESSEX PPTY TR INC COM 297178105 217,236 741 SH SOLE 0 0 741
EXXON MOBIL CORP COM 30231G102 909,666 6,653 SH SOLE 0 0 6,653
FEDEX CORP COM 31428X106 217,248 692 SH SOLE 0 0 692
FIRST TR INTER DURATN PFD & COM 33718W103 367,850 20,245 SH SOLE 0 0 20,245
FLEXSHARES TR MORNSTAR UPSTR 33939L407 4,653,022 94,420 SH SOLE 0 0 94,420
FLEXSHARES TR HIG YLD VL ETF 33939L662 2,003,210 49,757 SH SOLE 0 0 49,757
FLEXSHARES TR M STAR DEV MKT 33939L803 476,552 4,859 SH SOLE 0 0 4,859
FLEXSHARES TR MSTAR EMKT FAC 33939L308 237,356 3,067 SH SOLE 0 0 3,067
FLEXSHARES TR MORNSTAR USMKT 33939L100 493,887 1,789 SH SOLE 0 0 1,789
FLEXSHARES TR US QUALITY CAP 33939L746 731,272 8,137 SH SOLE 0 0 8,137
FLEXSHARES TR CRE SLCT BD FD 33939L670 210,486 9,527 SH SOLE 0 0 9,527
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 135,493 27,153 SH SOLE 0 0 27,153
GE AEROSPACE COM NEW 369604301 494,869 1,324 SH SOLE 0 0 1,324
GE VERNOVA INC COM 36828A101 471,260 401 SH SOLE 0 0 401
GENERAL DYNAMICS CORP COM 369550108 346,490 978 SH SOLE 0 0 978
GOLDMAN SACHS GROUP INC COM 38141G104 704,058 696 SH SOLE 0 0 696
HEWLETT PACKARD ENTERPRISE C COM 42824C109 469,613 10,391 SH SOLE 0 0 10,391
HOME DEPOT INC COM 437076102 437,670 1,241 SH SOLE 0 0 1,241
HOWMET AEROSPACE INC COM 443201108 277,470 1,032 SH SOLE 0 0 1,032
INTEL CORP COM 458140100 1,147,898 8,221 SH SOLE 0 0 8,221
INTERNATIONAL BUSINESS MACHS COM 459200101 334,214 1,188 SH SOLE 0 0 1,188
INTUITIVE SURGICAL INC COM NEW 46120E602 427,108 1,074 SH SOLE 0 0 1,074
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 372,062 5,386 SH SOLE 0 0 5,386
INVESCO QQQ TR UNIT SER 1 46090E103 3,704,121 5,030 SH SOLE 0 0 5,030
ISHARES TR CORE S&P MCP ETF 464287507 6,582,059 85,359 SH SOLE 0 0 85,359
ISHARES TR CORE US AGGBD ET 464287226 719,783 7,272 SH SOLE 0 0 7,272
ISHARES TR CORE MSCI INTL 46435G326 317,054 3,562 SH SOLE 0 0 3,562
ISHARES TR CORE S&P TTL STK 464287150 1,084,839 6,604 SH SOLE 0 0 6,604
ISHARES TR CORE S&P SCP ETF 464287804 524,128 3,534 SH SOLE 0 0 3,534
ISHARES TR US INFRASTRUC 46435U713 541,009 8,582 SH SOLE 0 0 8,582
ISHARES TR MBS ETF 464288588 541,032 5,724 SH SOLE 0 0 5,724
ISHARES TR ISHS 1-5YR INVS 464288646 402,247 7,675 SH SOLE 0 0 7,675
ISHARES TR 7-10 YR TRSY BD 464287440 382,347 4,043 SH SOLE 0 0 4,043
ISHARES TR USD INV GRDE ETF 464288620 310,920 6,062 SH SOLE 0 0 6,062
JOHNSON & JOHNSON COM 478160104 1,184,575 4,664 SH SOLE 0 0 4,664
JPMORGAN CHASE & CO COM 46625H100 2,003,021 6,119 SH SOLE 0 0 6,119
KINDER MORGAN INC DEL COM 49456B101 217,564 6,805 SH SOLE 0 0 6,805
KLA CORP COM NEW 482480100 1,548,074 5,131 SH SOLE 0 0 5,131
KRYSTAL BIOTECH INC COM 501147102 208,507 561 SH SOLE 0 0 561
LAM RESEARCH CORP COM NEW 512807306 802,355 1,851 SH SOLE 0 0 1,851
LINDE PLC SHS G54950103 248,627 479 SH SOLE 0 0 479
LOCKHEED MARTIN CORP COM 539830109 227,219 446 SH SOLE 0 0 446
LOWES COS INC COM 548661107 240,628 1,091 SH SOLE 0 0 1,091
MARSH & MCLENNAN COS INC COM 571748102 307,839 1,847 SH SOLE 0 0 1,847
MASTERCARD INCORPORATED CL A 57636Q104 629,715 1,226 SH SOLE 0 0 1,226
MATTHEWS ASIA FDS EMER MKTS EQUITY 577125818 286,918 6,339 SH SOLE 0 0 6,339
MCDONALDS CORP COM 580135101 855,369 3,164 SH SOLE 0 0 3,164
MERCK & CO INC COM 58933Y105 737,787 5,720 SH SOLE 0 0 5,720
META PLATFORMS INC CL A 30303M102 1,461,243 2,594 SH SOLE 0 0 2,594
MICRON TECHNOLOGY INC COM 595112103 1,399,037 1,212 SH SOLE 0 0 1,212
MICROSOFT CORP COM 594918104 4,056,805 10,876 SH SOLE 0 0 10,876
MONDELEZ INTL INC CL A 609207105 351,088 6,040 SH SOLE 0 0 6,040
MORGAN STANLEY COM NEW 617446448 578,664 2,768 SH SOLE 0 0 2,768
MOTOROLA SOLUTIONS INC COM NEW 620076307 255,386 614 SH SOLE 0 0 614
NASDAQ INC COM 631103108 383,496 4,865 SH SOLE 0 0 4,865
NETFLIX INC. COM 64110L106 448,106 6,276 SH SOLE 0 0 6,276
NEXTERA ENERGY INC COM 65339F101 392,864 4,476 SH SOLE 0 0 4,476
NORFOLK SOUTHN CORP COM 655844108 493,616 1,569 SH SOLE 0 0 1,569
NORTHERN FDS SHORT-TERM TAX 665162228 646,705 12,834 SH SOLE 0 0 12,834
NOVARTIS AG SPONSORED ADR 66987V109 305,291 1,948 SH SOLE 0 0 1,948
NUCOR CORP COM 670346105 368,573 1,653 SH SOLE 0 0 1,653
NVIDIA CORPORATION COM 67066G104 4,838,261 24,180 SH SOLE 0 0 24,180
ORACLE CORP COM 68389X105 571,180 3,898 SH SOLE 0 0 3,898
PALANTIR TECHNOLOGIES INC CL A 69608A108 338,226 2,899 SH SOLE 0 0 2,899
PALO ALTO NETWORKS INC COM 697435105 352,956 1,035 SH SOLE 0 0 1,035
PARKER-HANNIFIN CORP COM 701094104 201,524 206 SH SOLE 0 0 206
PEPSICO INC COM 713448108 221,775 1,638 SH SOLE 0 0 1,638
PFIZER INC COM 717081103 203,914 8,468 SH SOLE 0 0 8,468
PHILIP MORRIS INTL INC COM 718172109 511,136 2,808 SH SOLE 0 0 2,808
PNC FINL SVCS GROUP INC COM 693475105 351,163 1,426 SH SOLE 0 0 1,426
PROCTER & GAMBLE CO COM 742718109 553,944 3,778 SH SOLE 0 0 3,778
PROLOGIS INC. COM 74340W103 294,719 2,176 SH SOLE 0 0 2,176
QUALCOMM INC COM 747525103 396,634 2,146 SH SOLE 0 0 2,146
RTX CORPORATION COM 75513E101 524,495 2,764 SH SOLE 0 0 2,764
RYAN SPECIALTY HOLDINGS INC CL A 78351F107 741,493 19,637 SH SOLE 0 0 19,637
S&P GLOBAL INC COM SHS 78409V112 331,545 814 SH SOLE 0 0 814
SANDISK CORP COM 80004C200 256,931 113 SH SOLE 0 0 113
SAP SE SPON ADR 803054204 296,662 1,925 SH SOLE 0 0 1,925
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 218,843 6,467 SH SOLE 0 0 6,467
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 323,403 8,919 SH SOLE 0 0 8,919
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 401,056 16,614 SH SOLE 0 0 16,614
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 308,027 319 SH SOLE 0 0 319
SIMON PPTY GROUP INC NEW COM 828806109 232,575 1,040 SH SOLE 0 0 1,040
SPDR SERIES TRUST ST STR SP SEMI 78464A862 1,229,313 1,971 SH SOLE 0 0 1,971
SPDR SERIES TRUST ST STR P500GRW 78464A409 426,222 3,582 SH SOLE 0 0 3,582
SPDR SERIES TRUST ST STR P500ETF 78464A854 501,004 5,701 SH SOLE 0 0 5,701
SPDR SERIES TRUST ST STR SP AERO 78464A631 215,680 760 SH SOLE 0 0 760
SPDR SERIES TRUST ST STR SP600 SML 78468R853 373,702 6,480 SH SOLE 0 0 6,480
STARBUCKS CORP COM 855244109 204,144 1,998 SH SOLE 0 0 1,998
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,303,030 3,083 SH SOLE 0 0 3,083
STRYKER CORPORATION COM 863667101 389,498 1,235 SH SOLE 0 0 1,235
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,636,660 3,422 SH SOLE 0 0 3,422
TARGET CORP COM 87612E106 539,158 4,128 SH SOLE 0 0 4,128
TESLA INC COM 88160R101 844,985 2,009 SH SOLE 0 0 2,009
TEXAS INSTRS INC COM 882508104 522,382 1,753 SH SOLE 0 0 1,753
THERMO FISHER SCIENTIFIC INC COM 883556102 204,194 407 SH SOLE 0 0 407
TJX COS INC NEW COM 872540109 790,172 5,216 SH SOLE 0 0 5,216
UBS GROUP AG SHS H42097107 296,319 5,979 SH SOLE 0 0 5,979
UNION PAC CORP COM 907818108 298,473 1,097 SH SOLE 0 0 1,097
UNITEDHEALTH GROUP INC COM 91324P102 385,884 928 SH SOLE 0 0 928
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,295,896 69,047 SH SOLE 0 0 69,047
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 437,157 5,955 SH SOLE 0 0 5,955
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,217,418 58,557 SH SOLE 0 0 58,557
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 895,532 11,833 SH SOLE 0 0 11,833
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 316,178 5,297 SH SOLE 0 0 5,297
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,731,716 94,201 SH SOLE 0 0 94,201
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 246,599 4,469 SH SOLE 0 0 4,469
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 15,572,948 218,568 SH SOLE 0 0 218,568
VERIZON COMMUNICATIONS INC COM 92343V104 207,267 4,895 SH SOLE 0 0 4,895
VISA INC COM CL A 92826C839 1,163,547 3,391 SH SOLE 0 0 3,391
WALMART INC COM 931142103 777,916 6,868 SH SOLE 0 0 6,868
WASTE MGMT INC DEL COM 94106L109 440,028 1,974 SH SOLE 0 0 1,974
WELLS FARGO & CO COM 949746101 247,258 2,992 SH SOLE 0 0 2,992
WESTERN DIGITAL CORP COM 958102105 325,766 510 SH SOLE 0 0 510
WISDOMTREE TR MORTGAGE PLUS BD 97717Y725 398,672 9,027 SH SOLE 0 0 9,027
WISDOMTREE TR YIELD ENHANCD US 97717X511 547,500 12,592 SH SOLE 0 0 12,592
ZACKS TRUST SMALL/MID CAP 98888G204 1,455,638 32,623 SH SOLE 0 0 32,623
ZACKS TRUST EARNGS CONSTANT 98888G105 2,717,280 72,000 SH SOLE 0 0 72,000
ZACKS TRUST FOCUS GROWTH ETF 98888G808 729,415 22,952 SH SOLE 0 0 22,952
ZACKS TRUST QUALITY INTL ETF 98888G881 1,043,130 35,701 SH SOLE 0 0 35,701