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 386,368 1,477 SH SOLE 0 0 1,477
ADVANCED MICRO DEVICES INC COM 007903107 494,914 809 SH SOLE 0 0 809
ALLSTATE CORP COM 020002101 278,656 1,256 SH SOLE 0 0 1,256
ALPHABET INC CAP STK CL A 02079K305 1,932,080 5,615 SH SOLE 0 0 5,615
ALPHABET INC CAP STK CL C 02079K107 3,286,214 9,644 SH SOLE 0 0 9,644
ALTRIA GROUP INC COM 02209S103 395,784 5,877 SH SOLE 0 0 5,877
AMAZON COM INC COM 023135106 2,528,374 10,148 SH SOLE 0 0 10,148
AMERICAN CENTY ETF TR US EQT ETF 025072885 506,490 3,954 SH SOLE 0 0 3,954
AMERICAN CENTY ETF TR US SML CP VALU 025072877 11,911,819 101,145 SH SOLE 1,310 0 99,835
AMERICAN INTL GROUP INC COM NEW 026874784 267,338 3,592 SH SOLE 0 0 3,592
AMGEN INC COM 031162100 390,332 926 SH SOLE 0 0 926
ANALOG DEVICES INC COM 032654105 397,107 1,001 SH SOLE 0 0 1,001
APPLE INC COM 037833100 21,761,220 65,345 SH SOLE 0 0 65,345
AUTOMATIC DATA PROCESSING IN COM 053015103 262,705 1,018 SH SOLE 0 0 1,018
BANK OF AMER CORP COM 060505104 240,308 4,415 SH SOLE 0 0 4,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,159,687 6,345 SH SOLE 0 0 6,345
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 6,009,568 127,348 SH SOLE 837 0 126,511
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 44,735,999 645,914 SH SOLE 6,176 0 639,738
BOOKING HOLDINGS INC COM 09857L108 680,481 4,177 SH SOLE 0 0 4,177
BRISTOL-MYERS SQUIBB CO COM 110122108 257,504 4,127 SH SOLE 0 0 4,127
BROADCOM INC COM 11135F101 1,052,106 2,996 SH SOLE 0 0 2,996
CATERPILLAR INC COM 149123101 460,640 568 SH SOLE 0 0 568
CHEVRON CORPORATION COM 166764100 352,671 1,727 SH SOLE 0 0 1,727
CISCO SYS INC COM 17275R102 286,217 2,659 SH SOLE 0 0 2,659
CITIGROUP INC COM NEW 172967424 584,456 4,514 SH SOLE 0 0 4,514
COCA COLA CO COM 191216100 298,294 3,465 SH SOLE 0 0 3,465
COSTCO WHOLESALE CORPORATION COM 22160K105 253,484 278 SH SOLE 0 0 278
DFA INVT DIMENSIONS GROUP IN U.S. HIGH RELATI 25239Y196 3,419,701 81,597 SH SOLE 2,294 0 79,303
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 107,420,526 1,293,755 SH SOLE 15,857 0 1,277,898
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,312,449 16,952 SH SOLE 43 0 16,909
EA SERIES TRUST FREEDOM 100 EM 02072L607 14,790,207 211,409 SH SOLE 2,652 0 208,757
ELEVANCE HEALTH INC FORMERLY COM 036752103 258,582 665 SH SOLE 0 0 665
ELI LILLY & CO COM 532457108 838,883 725 SH SOLE 0 0 725
EOG RES INC COM 26875P101 255,469 1,854 SH SOLE 0 0 1,854
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 933,974 5,739 SH SOLE 0 0 5,739
FEDEX CORP COM 31428X106 238,335 836 SH SOLE 0 0 836
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 315,798 6,732 SH SOLE 0 0 6,732
FISERV INC COM 337738108 296,065 6,553 SH SOLE 0 0 6,553
GE AEROSPACE COM NEW 369604301 1,028,203 3,292 SH SOLE 0 0 3,292
GE VERNOVA INC COM 36828A101 981,890 1,033 SH SOLE 0 0 1,033
GENERAL MTRS CO COM 37045V100 557,165 7,236 SH SOLE 0 0 7,236
GILEAD SCIENCES INC COM 375558103 430,834 2,891 SH SOLE 0 0 2,891
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 9,804,929 150,475 SH SOLE 1,941 0 148,534
GOLDMAN SACHS GROUP INC COM 38141G104 382,950 425 SH SOLE 0 0 425
HANOVER INS GROUP INC COM 410867105 212,193 991 SH SOLE 0 0 991
HOME DEPOT INC COM 437076102 340,826 1,198 SH SOLE 0 0 1,198
INTEL CORP COM 458140100 310,795 2,585 SH SOLE 0 0 2,585
INTERNATIONAL BUSINESS MACHS COM 459200101 296,219 1,347 SH SOLE 0 0 1,347
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 436,096 2,877 SH SOLE 0 0 2,877
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742 38,359,762 565,669 SH SOLE 4,739 0 560,930
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 7,160,269 131,550 SH SOLE 0 0 131,550
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,619,381 19,260 SH SOLE 0 0 19,260
INVESCO QQQ TR UNIT SER 1 46090E103 4,144,498 5,602 SH SOLE 5 0 5,597
ISHARES INC MSCI EMRG CHN 46434G764 8,146,407 82,221 SH SOLE 677 0 81,544
ISHARES TR CORE MSCI TOTAL 46432F834 339,874 3,578 SH SOLE 0 0 3,578
ISHARES TR CORE S&P MCP ETF 464287507 495,016 6,880 SH SOLE 0 0 6,880
ISHARES TR CORE S&P SCP ETF 464287804 210,467 1,547 SH SOLE 0 0 1,547
ISHARES TR CORE S&P500 ETF 464287200 2,341,665 3,058 SH SOLE 0 0 3,058
ISHARES TR CORE UNIVRSL USD 46434V613 415,335 9,420 SH SOLE 2,094 0 7,326
ISHARES TR EAFE GRWTH ETF 464288885 216,533 1,807 SH SOLE 0 0 1,807
ISHARES TR EAFE VALUE ETF 464288877 428,464 5,414 SH SOLE 0 0 5,414
ISHARES TR GLOBAL TECH ETF 464287291 470,895 3,177 SH SOLE 0 0 3,177
ISHARES TR MBS ETF 464288588 2,349,622 26,218 SH SOLE 332 0 25,886
ISHARES TR MSCI USA MMENTM 46432F396 294,174 927 SH SOLE 0 0 927
ISHARES TR MSCI USA QLT FCT 46432F339 12,017,218 54,073 SH SOLE 575 0 53,498
ISHARES TR RUS 1000 GRW ETF 464287614 3,006,214 24,000 SH SOLE 16 0 23,984
ISHARES TR RUS 2000 GRW ETF 464287648 273,549 766 SH SOLE 0 0 766
ISHARES TR RUS TP200 GR ETF 464289438 58,994,940 200,044 SH SOLE 2,725 0 197,319
ISHARES TR RUSSELL 3000 ETF 464287689 4,465,954 10,346 SH SOLE 0 0 10,346
ISHARES TR TRS FLT RT BD 46434V860 2,193,859 43,297 SH SOLE 635 0 42,662
ISHARES TR U S EQUITY FACTR 46434V282 1,777,160 22,828 SH SOLE 350 0 22,478
ISHARES TR US TREAS BD ETF 46429B267 329,181 15,052 SH SOLE 0 0 15,052
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 5,145,840 84,000 SH SOLE 0 0 84,000
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 3,589,651 48,640 SH SOLE 507 0 48,133
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 530,888 7,425 SH SOLE 0 0 7,425
JOHNSON & JOHNSON COM 478160104 585,075 2,210 SH SOLE 0 0 2,210
JPMORGAN CHASE & CO COM 46625H100 1,040,317 3,145 SH SOLE 0 0 3,145
KLA CORP COM NEW 482480100 603,113 3,094 SH SOLE 0 0 3,094
LAM RESEARCH CORP COM NEW 512807306 623,605 1,898 SH SOLE 0 0 1,898
LENNAR CORP CL A 526057104 370,292 4,538 SH SOLE 0 0 4,538
MASTERCARD INCORPORATED CL A 57636Q104 1,197,831 2,172 SH SOLE 0 0 2,172
MERCK & CO INC COM 58933Y105 1,362,530 9,377 SH SOLE 0 0 9,377
META PLATFORMS INC CL A 30303M102 1,857,063 2,561 SH SOLE 0 0 2,561
MICRON TECHNOLOGY INC COM 595112103 2,238,902 2,102 SH SOLE 0 0 2,102
MICROSOFT CORP COM 594918104 3,773,011 7,356 SH SOLE 0 0 7,356
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 2,047,191 38,503 SH SOLE 0 0 38,503
NETFLIX INC. COM 64110L106 598,986 8,609 SH SOLE 0 0 8,609
NVIDIA CORPORATION COM 67066G104 4,562,551 19,978 SH SOLE 0 0 19,978
PACER FDS TR US CASH COWS 100 69374H881 16,919,430 253,437 SH SOLE 5,840 0 247,597
PALANTIR TECHNOLOGIES INC CL A 69608A108 890,596 4,761 SH SOLE 0 0 4,761
PALO ALTO NETWORKS INC COM 697435105 287,255 723 SH SOLE 0 0 723
PGIM ETF TR PGIM ULTRA SH BD 69344A107 1,669,159 33,748 SH SOLE 323 0 33,425
PHILIP MORRIS INTL INC COM 718172109 237,380 1,244 SH SOLE 0 0 1,244
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,447,290 28,133 SH SOLE 0 0 28,133
PIMCO ETF TR MULTISECTOR BD 72201R585 5,138,178 202,370 SH SOLE 1,745 0 200,625
QUALCOMM INC COM 747525103 339,002 1,842 SH SOLE 0 0 1,842
SALESFORCE INC COM 79466L302 345,843 1,506 SH SOLE 0 0 1,506
SANDISK CORP COM 80004C200 751,632 432 SH SOLE 0 0 432
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 240,292 5,739 SH SOLE 0 0 5,739
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,728,265 99,318 SH SOLE 0 0 99,318
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 16,219,443 553,376 SH SOLE 175 0 553,201
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 330,030 11,001 SH SOLE 0 0 11,001
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 527,578 572 SH SOLE 0 0 572
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 203,630 1,835 SH SOLE 0 0 1,835
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 493,290 2,520 SH SOLE 0 0 2,520
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 61,110,446 626,581 SH SOLE 7,240 0 619,341
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 218,007 4,342 SH SOLE 0 0 4,342
SPDR SERIES TRUST ST STR PR SP1500 78464A805 325,857 3,540 SH SOLE 0 0 3,540
SPDR SERIES TRUST ST STR SP DIV 78464A763 340,538 2,325 SH SOLE 0 0 2,325
SPDR SERIES TRUST ST STR SP600SM C 78464A300 373,767 3,659 SH SOLE 0 0 3,659
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,456,258 4,532 SH SOLE 0 0 4,532
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,337,054 2,931 SH SOLE 0 0 2,931
TESLA INC COM 88160R101 746,815 2,105 SH SOLE 0 0 2,105
TJX COS INC NEW COM 872540109 220,728 1,668 SH SOLE 0 0 1,668
UNITEDHEALTH GROUP INC COM 91324P102 211,552 576 SH SOLE 0 0 576
VALERO ENERGY CORP COM 91913Y100 658,424 1,699 SH SOLE 0 0 1,699
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 430,277 1,473 SH SOLE 0 0 1,473
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 384,911 1,969 SH SOLE 0 0 1,969
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 419,076 5,344 SH SOLE 0 0 5,344
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 282,655 1,223 SH SOLE 0 0 1,223
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 866,285 2,315 SH SOLE 0 0 2,315
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,405,619 11,133 SH SOLE 56 0 11,077
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 757,642 1,081 SH SOLE 0 0 1,081
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 21,240,034 478,271 SH SOLE 7,388 0 470,883
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,584,915 27,535 SH SOLE 0 0 27,535
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,055,690 14,951 SH SOLE 608 0 14,343
VERIZON COMMUNICATIONS INC COM 92343V104 288,471 6,289 SH SOLE 0 0 6,289
VISA INC COM CL A 92826C839 395,388 1,100 SH SOLE 0 0 1,100
VISTRA CORP COM 92840M102 204,758 1,480 SH SOLE 0 0 1,480
WALMART INC COM 931142103 634,896 6,109 SH SOLE 0 0 6,109
WELLS FARGO & CO COM 949746101 842,934 10,530 SH SOLE 0 0 10,530
WELLTOWER INC COM 95040Q104 254,164 1,104 SH SOLE 0 0 1,104
WIPRO LTD SPON ADR 1 SH 97651M109 20,178 12,229 SH SOLE 0 0 12,229
WP CAREY INC COM 92936U109 203,197 3,144 SH SOLE 0 0 3,144