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
3M CO COM 88579Y101 286,257 1,768 SH SOLE 0 0 1,768
ABBOTT LABORATORIES COM 002824100 283,018 3,119 SH SOLE 0 0 3,119
ADVANCED MICRO DEVICES INC COM 007903107 227,136 391 SH SOLE 0 0 391
ALPHABET INC CAP STK CL A 02079K305 2,269,300 6,350 SH SOLE 0 0 6,350
ALPHABET INC CAP STK CL C 02079K107 1,963,106 5,556 SH SOLE 0 0 5,556
AMAZON COM INC COM 023135106 2,778,533 11,658 SH SOLE 0 0 11,658
AMERICAN CENTY ETF TR AVA MID EQU ETF 025072125 35,390,697 441,006 SH SOLE 0 0 441,006
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 50,399,954 687,210 SH SOLE 0 0 687,210
AMERICAN EXPRESS CO COM 025816109 704,893 2,084 SH SOLE 0 0 2,084
APPLE INC COM 037833100 6,618,391 22,873 SH SOLE 0 0 22,873
APPLIED MATLS INC COM 038222105 772,164 1,068 SH SOLE 0 0 1,068
ARK ETF TR NEXT GNRTN INTER 00214Q401 565,099 3,901 SH SOLE 0 0 3,901
ASML HLDG NV N Y REGISTRY SHS N07059210 742,061 373 SH SOLE 0 0 373
AT&T INC COM 00206R102 472,850 22,843 SH SOLE 0 0 22,843
BANK OF AMER CORP COM 060505104 214,986 3,773 SH SOLE 0 0 3,773
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,713,115 5,422 SH SOLE 0 0 5,422
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 1,606,926 30,956 SH SOLE 0 0 30,956
BLACKROCK INC COM 09290D101 254,658 265 SH SOLE 0 0 265
BROADCOM INC COM 11135F101 700,534 1,854 SH SOLE 0 0 1,854
CAPITAL ONE FINL CORP COM 14040H105 365,169 1,820 SH SOLE 0 0 1,820
CARRIER GLOBAL CORPORATION COM 14448C104 303,669 4,140 SH SOLE 0 0 4,140
CATERPILLAR INC COM 149123101 1,340,709 1,259 SH SOLE 0 0 1,259
CHEVRON CORPORATION COM 166764100 226,642 1,367 SH SOLE 0 0 1,367
CHURCH & DWIGHT CO INC COM 171340102 344,602 3,557 SH SOLE 0 0 3,557
COCA COLA CO COM 191216100 625,608 7,698 SH SOLE 0 0 7,698
CORNING INC COM 219350105 957,096 3,747 SH SOLE 0 0 3,747
COSTCO WHOLESALE CORPORATION COM 22160K105 1,172,144 1,253 SH SOLE 0 0 1,253
CROWDSTRIKE HLDGS INC CL A 22788C105 568,539 745 SH SOLE 0 0 745
CSX CORP COM 126408103 312,747 6,580 SH SOLE 0 0 6,580
DEERE & CO COM 244199105 838,846 1,322 SH SOLE 0 0 1,322
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,770,696 50,548 SH SOLE 0 0 50,548
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 464,627 10,474 SH SOLE 0 0 10,474
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 46,964,207 1,795,268 SH SOLE 0 0 1,795,268
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 670,659 8,145 SH SOLE 0 0 8,145
EA SERIES TRUST FREEDOM 100 EM 02072L607 20,331,083 278,890 SH SOLE 0 0 278,890
EATON CORP PLC SHS G29183103 259,507 609 SH SOLE 0 0 609
ELI LILLY & CO COM 532457108 1,111,872 927 SH SOLE 0 0 927
ETFIS SER TR I VIRTUS NEWFLEET 26923G707 17,573,372 765,724 SH SOLE 0 0 765,724
EXXON MOBIL CORP COM 30231G102 342,324 2,504 SH SOLE 0 0 2,504
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 279,012 977 SH SOLE 0 0 977
FREEPORT MCMORAN INC CL B 35671D857 428,281 6,810 SH SOLE 0 0 6,810
GE AEROSPACE COM NEW 369604301 606,564 1,623 SH SOLE 0 0 1,623
GE VERNOVA INC COM 36828A101 431,174 367 SH SOLE 0 0 367
GENERAL DYNAMICS CORP COM 369550108 351,534 992 SH SOLE 0 0 992
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 211,338 2,388 SH SOLE 0 0 2,388
GOLDMAN SACHS GROUP INC COM 38141G104 437,799 433 SH SOLE 0 0 433
HOME DEPOT INC COM 437076102 1,395,202 3,956 SH SOLE 0 0 3,956
ING GROEP N.V. SPONSORED ADR 456837103 253,205 8,069 SH SOLE 0 0 8,069
INTEL CORP COM 458140100 389,707 2,791 SH SOLE 0 0 2,791
INTERNATIONAL BUSINESS MACHS COM 459200101 736,770 2,620 SH SOLE 0 0 2,620
INTUITIVE SURGICAL INC COM NEW 46120E602 233,040 586 SH SOLE 0 0 586
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 466,924 11,969 SH SOLE 0 0 11,969
INVESCO QQQ TR UNIT SER 1 46090E103 211,596 287 SH SOLE 0 0 287
ISHARES GOLD TR ISHARES NEW 464285204 297,660 3,942 SH SOLE 0 0 3,942
ISHARES INC ESG AWR MSCI EM 46434G863 391,799 7,164 SH SOLE 0 0 7,164
ISHARES INC MSCI EMRG CHN 46434G764 248,282 2,427 SH SOLE 0 0 2,427
ISHARES INC MSCI GBL ETF NEW 46434G848 983,549 16,914 SH SOLE 0 0 16,914
ISHARES TR 0-5YR HI YL CP 46434V407 612,060 14,432 SH SOLE 0 0 14,432
ISHARES TR BROAD USD HIGH 46435U853 805,777 21,766 SH SOLE 0 0 21,766
ISHARES TR CORE S&P MCP ETF 464287507 1,921,664 24,921 SH SOLE 0 0 24,921
ISHARES TR CORE S&P SCP ETF 464287804 8,708,625 58,719 SH SOLE 0 0 58,719
ISHARES TR CORE S&P TTL STK 464287150 674,493 4,106 SH SOLE 0 0 4,106
ISHARES TR CORE S&P500 ETF 464287200 4,108,649 5,486 SH SOLE 0 0 5,486
ISHARES TR ESG AW MSCI EAFE 46435G516 1,433,780 13,946 SH SOLE 0 0 13,946
ISHARES TR ESG AWARE MSCI 46435U663 616,349 11,020 SH SOLE 0 0 11,020
ISHARES TR ESG AWR MSCI USA 46435G425 445,346 2,721 SH SOLE 0 0 2,721
ISHARES TR ESG SELECT SCRE 46436E569 353,234 6,220 SH SOLE 0 0 6,220
ISHARES TR IBOXX HI YD ETF 464288513 1,896,037 23,709 SH SOLE 0 0 23,709
ISHARES TR INTL SEL DIV ETF 464288448 204,747 4,942 SH SOLE 0 0 4,942
ISHARES TR MSCI EAFE ETF 464287465 416,870 4,013 SH SOLE 0 0 4,013
ISHARES TR RUS 1000 GRW ETF 464287614 710,252 5,720 SH SOLE 0 0 5,720
ISHARES TR RUS 1000 VAL ETF 464287598 304,977 1,258 SH SOLE 0 0 1,258
ISHARES TR RUS 2000 VAL ETF 464287630 333,348 1,507 SH SOLE 0 0 1,507
ISHARES TR RUS MD CP GR ETF 464287481 331,179 2,262 SH SOLE 0 0 2,262
ISHARES TR RUS MDCP VAL ETF 464287473 366,564 2,227 SH SOLE 0 0 2,227
ISHARES TR S&P MC 400VL ETF 464287705 861,266 5,830 SH SOLE 0 0 5,830
ISHARES TR U.S. TECH ETF 464287721 5,505,676 21,828 SH SOLE 0 0 21,828
ISHARES TR ULTRA SHORT DUR 46434V878 21,896,381 432,906 SH SOLE 0 0 432,906
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 420,825 5,614 SH SOLE 0 0 5,614
JOHNSON & JOHNSON COM 478160104 1,240,537 4,885 SH SOLE 0 0 4,885
JPMORGAN CHASE & CO COM 46625H100 1,483,796 4,533 SH SOLE 0 0 4,533
KLA CORP COM NEW 482480100 468,369 1,552 SH SOLE 0 0 1,552
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 59,134 10,143 SH SOLE 0 0 10,143
LOCKHEED MARTIN CORP COM 539830109 533,405 1,047 SH SOLE 0 0 1,047
LOWES COS INC COM 548661107 595,984 2,703 SH SOLE 0 0 2,703
MASTERCARD INCORPORATED CL A 57636Q104 1,100,826 2,143 SH SOLE 0 0 2,143
MCDONALDS CORP COM 580135101 299,199 1,107 SH SOLE 0 0 1,107
MERCK & CO INC COM 58933Y105 252,503 1,965 SH SOLE 0 0 1,965
META PLATFORMS INC CL A 30303M102 476,763 846 SH SOLE 0 0 846
MICROSOFT CORP COM 594918104 3,359,285 9,006 SH SOLE 0 0 9,006
MORGAN STANLEY COM NEW 617446448 581,422 2,781 SH SOLE 0 0 2,781
MOTOROLA SOLUTIONS INC COM NEW 620076307 200,585 483 SH SOLE 0 0 483
NEXTERA ENERGY INC COM 65339F101 1,438,989 16,395 SH SOLE 0 0 16,395
NORFOLK SOUTHN CORP COM 655844108 327,803 1,042 SH SOLE 0 0 1,042
NVIDIA CORPORATION COM 67066G104 3,161,381 15,800 SH SOLE 0 0 15,800
ORACLE CORP COM 68389X105 331,936 2,265 SH SOLE 0 0 2,265
PROCTER & GAMBLE CO COM 742718109 390,062 2,660 SH SOLE 0 0 2,660
REGENERON PHARMACEUTICALS COM 75886F107 260,640 418 SH SOLE 0 0 418
ROYAL BK CDA COM 780087102 342,328 1,654 SH SOLE 0 0 1,654
RTX CORPORATION COM 75513E101 349,552 1,842 SH SOLE 0 0 1,842
S&P GLOBAL INC COM 78409V104 257,388 632 SH SOLE 0 0 632
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 573,321 15,811 SH SOLE 0 0 15,811
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,071,717 508,004 SH SOLE 0 0 508,004
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,410,300 48,698 SH SOLE 0 0 48,698
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,699,396 344,437 SH SOLE 0 0 344,437
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,054,018 44,511 SH SOLE 0 0 44,511
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,657,949 239,633 SH SOLE 0 0 239,633
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 3,221,884 16,911 SH SOLE 0 0 16,911
SHERWIN WILLIAMS CO COM 824348106 205,458 597 SH SOLE 0 0 597
SONOCO PRODS CO COM 835495102 1,170,897 20,779 SH SOLE 0 0 20,779
SOUTHERN CO COM 842587107 499,319 5,217 SH SOLE 0 0 5,217
SPDR GOLD TR GOLD SHS 78463V107 486,815 1,322 SH SOLE 0 0 1,322
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 2,916,664 56,328 SH SOLE 0 0 56,328
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 776,643 8,475 SH SOLE 0 0 8,475
SPDR SERIES TRUST ST STR SP500DIV 78468R788 588,598 12,337 SH SOLE 0 0 12,337
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,590,257 6,147 SH SOLE 0 0 6,147
STRYKER CORPORATION COM 863667101 202,757 644 SH SOLE 0 0 644
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 392,563 822 SH SOLE 0 0 822
TESLA INC COM 88160R101 990,018 2,354 SH SOLE 0 0 2,354
TEXAS INSTRS INC COM 882508104 516,853 1,734 SH SOLE 0 0 1,734
THERMO FISHER SCIENTIFIC INC COM 883556102 494,842 987 SH SOLE 0 0 987
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 266,291 406 SH SOLE 0 0 406
VANGUARD INDEX FDS GROWTH ETF 922908736 898,802 10,434 SH SOLE 0 0 10,434
VANGUARD INDEX FDS LARGE CAP ETF 922908637 959,853 2,791 SH SOLE 0 0 2,791
VANGUARD INDEX FDS MID CAP ETF 922908629 8,632,028 107,137 SH SOLE 0 0 107,137
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,175,803 43,304 SH SOLE 0 0 43,304
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 102,769,529 149,633 SH SOLE 0 0 149,633
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,698,973 12,203 SH SOLE 0 0 12,203
VANGUARD INDEX FDS SML CP GRW ETF 922908595 365,700 1,000 SH SOLE 0 0 1,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,826,665 58,985 SH SOLE 0 0 58,985
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 303,678 3,626 SH SOLE 0 0 3,626
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 712,221 11,932 SH SOLE 0 0 11,932
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 493,788 5,577 SH SOLE 0 0 5,577
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 446,837 2,847 SH SOLE 0 0 2,847
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 992,226 4,193 SH SOLE 0 0 4,193
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,392,910 133,266 SH SOLE 0 0 133,266
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 105,488,566 1,480,541 SH SOLE 0 0 1,480,541
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 856,402 8,721 SH SOLE 0 0 8,721
VANGUARD WORLD FD ESG INTL STK ETF 921910725 468,762 5,693 SH SOLE 0 0 5,693
VANGUARD WORLD FD INF TECH ETF 92204A702 53,410,076 446,871 SH SOLE 0 0 446,871
VANGUARD WORLD FD UTILITIES ETF 92204A876 310,624 1,587 SH SOLE 0 0 1,587
VERIZON COMMUNICATIONS INC COM 92343V104 246,376 5,819 SH SOLE 0 0 5,819
VISA INC COM CL A 92826C839 1,602,408 4,671 SH SOLE 0 0 4,671
WALMART INC COM 931142103 972,001 8,582 SH SOLE 0 0 8,582
WISDOMTREE TR EM EX ST-OWNED 97717X578 9,579,661 194,788 SH SOLE 0 0 194,788
WISDOMTREE TR EMER MKT HIGH FD 97717W315 239,504 4,453 SH SOLE 0 0 4,453
WISDOMTREE TR INTL SMCAP DIV 97717W760 4,765,702 56,877 SH SOLE 0 0 56,877
XCEL ENERGY INC COM 98389B100 290,124 3,613 SH SOLE 0 0 3,613