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
AMERICAN CENTY ETF TR AVA MID EQU ETF 025072125 6,275,081 82,318 SH SOLE 0 0 82,318
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 5,162,666 74,670 SH SOLE 0 0 74,670
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 12,261,855 135,835 SH SOLE 0 0 135,835
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 5,120,421 56,824 SH SOLE 0 0 56,824
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 4,802,946 53,106 SH SOLE 0 0 53,106
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,075,156 2,159 SH SOLE 0 0 2,159
BLUE OWL CAPITAL CORPORATION COM 69121K104 120,216 11,460 SH SOLE 0 0 11,460
CAPITAL GROUP INTERNATIONAL SHS 14021M107 6,087,040 165,837 SH SOLE 0 0 165,837
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 15,163,342 365,999 SH SOLE 0 0 365,999
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 558,192 12,558 SH SOLE 0 0 12,558
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 22,696,477 273,353 SH SOLE 0 0 273,353
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 13,398,149 173,058 SH SOLE 0 0 173,058
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 4,704,502 22,616 SH SOLE 0 0 22,616
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,441,816 24,492 SH SOLE 0 0 24,492
ISHARES TR CORE S&P500 ETF 464287200 10,039,306 13,109 SH SOLE 0 0 13,109
ISHARES TR IBDS DEC28 ETF 46435U515 1,429,536 57,273 SH SOLE 0 0 57,273
ISHARES TR IBONDS 28 TRM TS 46436E833 690,004 31,493 SH SOLE 0 0 31,493
ISHARES TR IBONDS 29 TRM TS 46436E825 681,548 32,111 SH SOLE 0 0 32,111
ISHARES TR IBONDS DEC 29 46436E205 1,415,462 62,383 SH SOLE 0 0 62,383
ISHARES TR ISHS 1-5YR INVS 464288646 7,558,004 147,531 SH SOLE 0 0 147,531
ISHARES TR ISHS 5-10YR INVT 464288638 11,918,392 236,711 SH SOLE 0 0 236,711
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 937,853 18,619 SH SOLE 0 0 18,619
JPMORGAN CHASE & CO COM 46625H100 208,754 631 SH SOLE 0 0 631
LOEWS CORP COM 540424108 402,964 3,859 SH SOLE 0 0 3,859
MICROSOFT CORP COM 594918104 370,314 722 SH SOLE 0 0 722
PGIM ETF TR ACTV HY BD ETF 69344A206 1,244,782 37,235 SH SOLE 0 0 37,235
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 3,774,820 159,275 SH SOLE 0 0 159,275
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 909,392 38,114 SH SOLE 0 0 38,114
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 312,700 10,000 SH SOLE 0 0 10,000
SPROTT ASSET MANAGEMENT LP PHYSICAL SILVER 85207K107 309,920 16,000 SH SOLE 0 0 16,000
VANGUARD MALVERN FDS CORE BD ETF 922020748 9,376,749 127,367 SH SOLE 0 0 127,367
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 9,786,877 220,376 SH SOLE 0 0 220,376