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
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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
CATERPILLAR INC COM 149123101 203,396 191 SH SOLE 10 0 181
ISHARES TR CORE S&P500 ETF 464287200 5,383,331 7,188 SH SOLE 7,188 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 280,601 2,040 SH SOLE 2,040 0 0
ISHARES TR S&P 500 VAL ETF 464287408 516,789 2,276 SH SOLE 2,276 0 0
ISHARES TR MSCI EAFE ETF 464287465 921,104 8,867 SH SOLE 8,867 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,282,353 8,759 SH SOLE 8,568 0 191
ISHARES TR RUS 1000 VAL ETF 464287598 3,112,801 12,840 SH SOLE 12,467 0 373
ISHARES TR RUS 1000 GRW ETF 464287614 6,615,802 53,280 SH SOLE 52,512 0 768
ISHARES TR RUSSELL 2000 ETF 464287655 1,168,562 3,889 SH SOLE 3,889 0 0
ISHARES TR MSCI ACWI EX US 464288240 6,708,318 88,140 SH SOLE 87,995 0 145
ISHARES TR NATIONAL MUN ETF 464288414 15,962,154 148,320 SH SOLE 148,225 0 95
ISHARES TR EAFE VALUE ETF 464288877 7,088,964 92,606 SH SOLE 92,044 0 562
ISHARES TR EAFE GRWTH ETF 464288885 1,502,660 12,077 SH SOLE 11,818 0 259
MICROSOFT CORP COM 594918104 570,721 1,530 SH SOLE 332 0 1,198
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 2,149,047 40,732 SH SOLE 40,732 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 5,555,377 178,629 SH SOLE 178,629 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 238,026 8,593 SH SOLE 8,593 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 431,241 1,576 SH SOLE 1,576 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 324,696 2,490 SH SOLE 2,490 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,994,158 27,165 SH SOLE 26,823 0 342
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 664,620 9,328 SH SOLE 9,328 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 438,801 2,844 SH SOLE 2,844 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 339,935 5,695 SH SOLE 5,695 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,714,073 112,971 SH SOLE 112,971 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,471,291 2,142 SH SOLE 2,142 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,015,848 20,323 SH SOLE 19,881 0 442
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 310,894 1,015 SH SOLE 1,015 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 766,876 3,156 SH SOLE 3,156 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 24,511,149 284,550 SH SOLE 276,320 0 8,230
VANGUARD INDEX FDS VALUE ETF 922908744 3,557,001 16,322 SH SOLE 15,711 0 611
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,237,922 20,579 SH SOLE 19,885 0 694
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,323,371 3,576 SH SOLE 3,576 0 0
ALPHABET INC CAP STK CL C 02079K107 586,528 1,660 SH SOLE 216 0 1,444
ALPHABET INC CAP STK CL A 02079K305 400,612 1,121 SH SOLE 293 0 828
AMAZON COM INC COM 023135106 572,016 2,400 SH SOLE 549 0 1,851
APPLE INC COM 037833100 504,354 1,743 SH SOLE 424 0 1,319
BOEING CO COM 097023105 270,804 1,251 SH SOLE 262 0 989
BROADCOM INC COM 11135F101 233,072 617 SH SOLE 188 0 429
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 406,015 10,097 SH SOLE 10,097 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL US 25434V559 6,123,268 92,079 SH SOLE 91,648 0 431
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 437,784 6,263 SH SOLE 6,263 0 0
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 27,835,105 703,973 SH SOLE 687,962 0 16,011
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 770,001 17,358 SH SOLE 17,358 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,399,854 25,914 SH SOLE 25,914 0 0
META PLATFORMS INC CL A 30303M102 398,246 707 SH SOLE 134 0 573
GE VERNOVA INC COM 36828A101 239,671 204 SH SOLE 174 0 30
INVESCO QQQ TR UNIT SER 1 46090E103 301,924 410 SH SOLE 410 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 640,027 11,846 SH SOLE 11,846 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 226,295 2,346 SH SOLE 2,346 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 390,147 1,778 SH SOLE 1,778 0 0
ISHARES TR MSCI USA MMENTM 46432F396 960,020 2,800 SH SOLE 2,800 0 0
ISHARES INC CORE MSCI EMKT 46434G103 407,159 4,915 SH SOLE 4,915 0 0
MORGAN STANLEY ETF TRUST EATO VANC BD ETF 61774R841 6,312,080 124,474 SH SOLE 124,193 0 281
NETFLIX INC. COM 64110L106 213,129 2,985 SH SOLE 489 0 2,496
NEUBERGER BERMAN ETF TRUST SMAL MID CAP ETF 64135A804 7,310,345 254,627 SH SOLE 254,627 0 0
NVIDIA CORPORATION COM 67066G104 1,046,471 5,230 SH SOLE 1,088 0 4,142
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 250,302 5,755 SH SOLE 5,755 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 560,217 21,124 SH SOLE 21,124 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 535,906 5,316 SH SOLE 5,316 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 800,425 15,850 SH SOLE 15,850 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 521,992 699 SH SOLE 699 0 0
TESLA INC COM 88160R101 422,282 1,004 SH SOLE 131 0 873
VANGUARD WORLD FD INF TECH ETF 92204A702 286,848 2,400 SH SOLE 2,400 0 0
VISA INC COM CL A 92826C839 369,165 1,076 SH SOLE 162 0 914