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
ABBVIE INC COM 00287Y109 369,480 1,406 SH SOLE 0 0 1,406
ADOBE INC COM 00724F101 1,331,302 5,601 SH SOLE 0 0 5,601
ALPHABET INC CAP STK CL A 02079K305 338,310 985 SH SOLE 0 0 985
ALTRIA GROUP INC COM 02209S103 1,474,687 21,896 SH SOLE 0 0 21,896
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 7,243,176 75,916 SH SOLE 0 0 75,916
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 17,050,223 156,295 SH SOLE 0 0 156,295
AMERICAN CENTY ETF TR US SML CP VALU 025072877 18,404,731 153,334 SH SOLE 0 0 153,334
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,117,944 24,062 SH SOLE 0 0 24,062
APOLLO GLOBAL MGMT INC COM 03769M106 699,181 6,132 SH SOLE 0 0 6,132
APPLE INC COM 037833100 1,491,105 4,469 SH SOLE 0 0 4,469
AUTODESK INC COM 052769106 543,568 2,564 SH SOLE 0 0 2,564
AUTOZONE INC COM 053332102 776,184 278 SH SOLE 0 0 278
BANK OF NY MELLON CORP COM 064058100 673,854 4,634 SH SOLE 0 0 4,634
CARDINAL HEALTH INC COM 14149Y108 1,239,941 5,431 SH SOLE 0 0 5,431
CHEVRON CORPORATION COM 166764100 310,579 1,503 SH SOLE 0 0 1,503
COLGATE PALMOLIVE CO COM 194162103 930,855 11,047 SH SOLE 0 0 11,047
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 209,378 3,090 SH SOLE 0 0 3,090
DOMINOS PIZZA INC COM 25754A201 1,030,041 3,461 SH SOLE 0 0 3,461
EQT CORP COM 26884L109 943,970 18,815 SH SOLE 0 0 18,815
HERSHEY CO COM 427866108 236,375 1,476 SH SOLE 0 0 1,476
IDEXX LABS INC COM 45168D104 589,928 1,138 SH SOLE 0 0 1,138
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411 393,702 19,700 SH SOLE 0 0 19,700
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 378,228 16,966 SH SOLE 0 0 16,966
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 2,596,078 113,614 SH SOLE 0 0 113,614
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494 249,098 10,691 SH SOLE 0 0 10,691
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833 390,915 16,460 SH SOLE 0 0 16,460
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 560,177 6,601 SH SOLE 0 0 6,601
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 26,303,044 125,414 SH SOLE 0 0 125,414
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 425,589 8,000 SH SOLE 0 0 8,000
ISHARES TR CORE US AGGBD ET 464287226 844,394 8,959 SH SOLE 0 0 8,959
ISHARES TR 7-10 YR TRSY BD 464287440 26,321,108 295,577 SH SOLE 0 0 295,577
ISHARES TR 1 3 YR TREAS BD 464287457 8,738,626 107,818 SH SOLE 0 0 107,818
ISHARES TR CORE S&P US VLU 464287663 561,100 5,054 SH SOLE 0 0 5,054
ISHARES TR MBS ETF 464288588 1,829,410 20,504 SH SOLE 0 0 20,504
ISHARES TR MSCI EAFE MIN VL 46429B689 265,663 2,921 SH SOLE 0 0 2,921
ISHARES TR MSCI USA MIN ETF 46429B697 5,164,382 52,585 SH SOLE 0 0 52,585
ISHARES TR 0-3 MTH TREASURY 46436E718 5,998,980 59,727 SH SOLE 0 0 59,727
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,878,346 56,929 SH SOLE 0 0 56,929
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,537,043 70,417 SH SOLE 0 0 70,417
JOHNSON & JOHNSON COM 478160104 677,312 2,645 SH SOLE 0 0 2,645
LOWES COS INC COM 548661107 571,494 3,161 SH SOLE 0 0 3,161
LULULEMON ATHLETICA INC COM 550021109 706,277 7,477 SH SOLE 0 0 7,477
MASTERCARD INCORPORATED CL A 57636Q104 1,127,540 2,042 SH SOLE 0 0 2,042
MCKESSON CORP COM 58155Q103 1,216,242 1,348 SH SOLE 0 0 1,348
MICROSOFT CORP COM 594918104 455,581 880 SH SOLE 0 0 880
NETAPP INC COM 64110D104 649,677 2,871 SH SOLE 0 0 2,871
NUVEEN AMT FREE MUN CR INC F COM 67071L106 186,225 17,388 SH SOLE 0 0 17,388
NUVEEN AMT FREE QLTY MUN INC COM 670657105 190,069 18,837 SH SOLE 0 0 18,837
NVIDIA CORPORATION COM 67066G104 1,296,218 5,541 SH SOLE 0 0 5,541
OREILLY AUTOMOTIVE INC COM 67103H107 971,447 11,442 SH SOLE 0 0 11,442
PHILIP MORRIS INTL INC COM 718172109 436,040 2,326 SH SOLE 0 0 2,326
PPL CORP COM 69351T106 290,206 8,848 SH SOLE 0 0 8,848
PROCTER & GAMBLE CO COM 742718109 354,675 2,448 SH SOLE 0 0 2,448
SMITH A O CORP COM 831865209 579,872 10,218 SH SOLE 0 0 10,218
SPDR GOLD TR GOLD SHS 78463V107 384,322 1,011 SH SOLE 0 0 1,011
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 1,177,765 12,882 SH SOLE 0 0 12,882
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 495,459 15,875 SH SOLE 0 0 15,875
TESLA INC COM 88160R101 605,544 1,634 SH SOLE 0 0 1,634
TRANSDIGM GROUP INC COM 893641100 271,735 249 SH SOLE 0 0 249
ULTA BEAUTY INC COM 90384S303 993,186 1,827 SH SOLE 0 0 1,827
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 323,785 13,151 SH SOLE 0 0 13,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 264,038 3,775 SH SOLE 0 0 3,775
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,457,319 13,366 SH SOLE 0 0 13,366
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 486,510 1,287 SH SOLE 0 0 1,287
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 242,059 4,064 SH SOLE 0 0 4,064
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 350,826 4,555 SH SOLE 0 0 4,555
VICTORY PORTFOLIOS II VICSHS DV AC ETF 92647N667 290,431 5,160 SH SOLE 0 0 5,160
VISA INC COM CL A 92826C839 1,330,401 3,689 SH SOLE 0 0 3,689
WABASH NATL CORP COM 929566107 170,176 12,121 SH SOLE 0 0 12,121