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
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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
American Electric Power Co Inc COM 025537101 4,958 43 SH SOLE 0 0 43
Boston Scientific Corp COM 101137107 481,899 5,054 SH SOLE 0 0 5,054
Bristol-Myers Squibb Co COM 110122108 3,452 64 SH SOLE 0 0 64
Constellation Brands Inc CL A 21036P108 13,796 100 SH SOLE 0 0 100
Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 13,317,281 276,809 SH SOLE 0 0 276,809
Xtrackers USD High Yield Corporate Bond ETF XTRACK USD HIGH 233051432 1,805 49 SH SOLE 0 0 49
Deere & Co COM 244199105 71,232 153 SH SOLE 0 0 153
Dimensional International Small Cap ETF INTL SMALL CAP E 25434V773 17,853 542 SH SOLE 0 0 542
Dimensional International Small Cap Value ETF INTL SMALL CAP V 25434V781 17,900,280 471,060 SH SOLE 0 0 471,060
Dimensional International Value ETF INTERNATNAL VAL 25434V807 2,345 47 SH SOLE 0 0 47
Dimensional World EX US Core Equity 2 ETF WORLD EX US CORE 25434V880 916 28 SH SOLE 0 0 28
Exxon Mobil Corp COM 30231G102 218,537 1,816 SH SOLE 0 0 1,816
Fidelity Enhanced International ETF ENHANCED INTL 31609A404 3,475 95 SH SOLE 0 0 95
Fidelity Total Bond ETF TOTAL BD ETF 316188309 414 9 SH SOLE 0 0 9
FlexShares Global Upstream Natural Resources Index Fund MORNSTAR UPSTR 33939L407 2,705 59 SH SOLE 0 0 59
Halliburton Co COM 406216101 2,826 100 SH SOLE 0 0 100
Huntington Ingalls Industries Inc COM 446413106 14,963 44 SH SOLE 0 0 44
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 8,620 45 SH SOLE 0 0 45
Invesco S&P MidCap Momentum ET S&P MDCP MOMNTUM 46137V464 15,435,659 111,481 SH SOLE 0 0 111,481
Invesco RAFI US 1000 ETF RAFI US 1000 ETF 46137V613 1,595 34 SH SOLE 0 0 34
Invesco Nasdaq 100 ETF NASDAQ 100 ETF 46138G649 26,619,071 105,247 SH SOLE 0 0 105,247
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 71,919 105 SH SOLE 0 0 105
iShares Core U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 100 1 SH SOLE 0 0 1
iShares 20 Year Treasury Bond ETF 20 YR TR BD ETF 464287432 7,844 90 SH SOLE 0 0 90
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 17,292 262 SH SOLE 0 0 262
iShares Core S&P U.S. Value ETF CORE S&P US VLU 464287663 19,585 191 SH SOLE 0 0 191
iShares Core S&P U.S. Growth ETF CORE S&P US GWT 464287671 27,374 163 SH SOLE 0 0 163
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 9,494 79 SH SOLE 0 0 79
iShares Broad USD Investment Grade Corporate Bond ETF USD INV GRDE ETF 464288620 1,191 23 SH SOLE 0 0 23
iShares Short Treasury Bond ETF TRUST ISHARE 0-1 464288679 220 2 SH SOLE 0 0 2
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 62,304 1,225 SH SOLE 0 0 1,225
iShares MSCI USA Value Factor ETF MSCI USA VALUE 46432F388 6,016 44 SH SOLE 0 0 44
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 25,138 281 SH SOLE 0 0 281
iShares MSCI Emerging Markets ex China ETF MSCI EMRG CHN 46434G764 2,835 39 SH SOLE 0 0 39
iShares U.S. Small-Cap Equity Factor ETF US SML CAP EQT 46434V290 1,722 23 SH SOLE 0 0 23
iShares MSCI International Quality Factor ETF MSCI INTL QUALTY 46434V456 5,181 114 SH SOLE 0 0 114
iShares Global REIT ETF GLOBAL REIT ETF 46434V647 2,395 96 SH SOLE 0 0 96
iShares Bitcoin Trust ETF SHS BEN INT 46438F101 3,094,585 62,328 SH SOLE 0 0 62,328
JPMorgan Chase & Co COM 46625H100 197,843 614 SH SOLE 0 0 614
Janus Henderson AAA CLO ETF HENDRSON AAA CL 47103U845 253 5 SH SOLE 0 0 5
NVR Inc COM 62944T105 299,004 41 SH SOLE 0 0 41
Northrop Grumman Corp COM 666807102 152,816 268 SH SOLE 0 0 268
Pfizer Inc COM 717081103 1,868 75 SH SOLE 0 0 75
Procter & Gamble CO/THE COM 742718109 131,845 920 SH SOLE 0 0 920
State Street SPDR Portfolio S&P 500 Growth ETF STATE STREET SPD 78464A409 12,911 121 SH SOLE 0 0 121
State Street SPDR Portfolio Short Term Corporate Bond ETF STATE STREET SPD 78464A474 54,481 1,804 SH SOLE 0 0 1,804
State Street SPDR Portfolio S&P 500 Value ETF STATE STREET SPD 78464A508 9,942 175 SH SOLE 0 0 175
State Street SPDR Portfolio Long Term Treasury ETF STATE STREET SPD 78464A664 397 15 SH SOLE 0 0 15
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF STATE STREET SPD 78464A805 578 7 SH SOLE 0 0 7
State Street SPDR Portfolio S&P 400 Mid Cap ETF STATE STREET SPD 78464A847 1,158 20 SH SOLE 0 0 20
State Street SPDR Bloomberg Investment Grade Floating Rate ETF STATE STREET SPD 78468R200 62,351 2,029 SH SOLE 0 0 2,029
State Street SPDR Portfolio S&P 600 Small Cap ETF STATE STREET SPD 78468R853 843 18 SH SOLE 0 0 18
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300 42,584,888 1,305,484 SH SOLE 0 0 1,305,484
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 126,425 4,609 SH SOLE 0 0 4,609
Schwab International Equity ETF INTL EQTY ETF 808524805 17,838 742 SH SOLE 0 0 742
Thermo Fisher Scientific Inc COM 883556102 98,506 170 SH SOLE 0 0 170
Valero Energy Corp COM 91913Y100 7,000 43 SH SOLE 0 0 43
VanEck J. P. Morgan EM Local Currency Bond ETF JP MRGAN EM LOC 92189H300 1,239 48 SH SOLE 0 0 48
Vanguard S&P 500 Value ETF 500 VAL IDX FD 921932703 24,715,972 120,654 SH SOLE 0 0 120,654
Vanguard S&P Small-Cap 600 Value ETF SMLCP 600 VAL 921932778 34,412 352 SH SOLE 0 0 352
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 32,312 410 SH SOLE 0 0 410
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 1,111 15 SH SOLE 0 0 15
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 11,619 186 SH SOLE 0 0 186
Vanguard Short-Term Inflation-Protected Securities ETF STRM INFPROIDX 922020805 1,731 35 SH SOLE 0 0 35
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 8,924 166 SH SOLE 0 0 166
Vanguard Intermediate-Term Treasury ETF INTER TERM TREAS 92206C706 1,498 25 SH SOLE 0 0 25
Vanguard Mortgage-Backed Securities ETF MTG-BKD SECS ETF 92206C771 612 13 SH SOLE 0 0 13
Vanguard Tax-Exempt Bond Index ETF TAX EXEMPT BD 922907746 28,917 575 SH SOLE 0 0 575
Vanguard Morningstar Mid-Cap ETF MID CAP ETF 922908629 33,085 114 SH SOLE 0 0 114
Viatris Inc COM 92556V106 112 9 SH SOLE 0 0 9
Wisdomtree Emerging Markets EX-State-Owned Enterprises Fund EM EX ST-OWNED 97717X578 1,444 37 SH SOLE 0 0 37
Adient PLC ORD SHS G0084W101 19 1 SH SOLE 0 0 1
Johnson Controls International plc SHS G51502105 1,557 13 SH SOLE 0 0 13
Medtronic PLC SHS G5960L103 1,249 13 SH SOLE 0 0 13
nVent Electric PLC SHS G6700G107 306 3 SH SOLE 0 0 3
Pentair PLC SHS G7S00T104 312 3 SH SOLE 0 0 3
TE Connectivity PLC ORD SHS G87052109 3,185 14 SH SOLE 0 0 14