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
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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
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,836,601 295,212 SH SOLE 0 0 295,212
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,891,025 288,811 SH SOLE 0 0 288,811
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,974,223 451,322 SH SOLE 0 0 451,322
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,805,627 509,575 SH SOLE 0 0 509,575
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 22,949,965 117,373 SH SOLE 0 0 117,373
WISDOMTREE TR INTL SMCAP DIV 97717W760 3,563,777 40,874 SH SOLE 0 0 40,874
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 3,077,373 78,786 SH SOLE 0 0 78,786
VANGUARD WORLD FD INF TECH ETF 92204A702 1,435,654 11,424 SH SOLE 0 0 11,424
EXCHANGE TRADED CONCEPTS TRU EMQQ EME MAR ETF 301505889 21,873,926 710,192 SH SOLE 0 0 710,192
EXCHANGE TRADED CONCEPTS TRU FMQQ NEX FRO ETF 301505590 5,944,632 501,949 SH SOLE 0 0 501,949
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,671,523 28,595 SH SOLE 0 0 28,595
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 10,132,519 65,266 SH SOLE 0 0 65,266
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,206,529 102,061 SH SOLE 0 0 102,061
EXCHANGE TRADED CONCEPTS TRU INQQ IND INT ETF 301505558 1,760,236 136,179 SH SOLE 0 0 136,179
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 426,010 5,432 SH SOLE 0 0 5,432
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 28,030,650 121,329 SH SOLE 0 0 121,329
ELI LILLY & CO COM 532457108 207,117 179 SH SOLE 0 0 179
ISHARES TR CORE INTL AGGR 46435G672 2,797,561 56,861 SH SOLE 0 0 56,861
ISHARES TR CORE S&P500 ETF 464287200 710,709 928 SH SOLE 0 0 928
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 4,630,552 92,927 SH SOLE 0 0 92,927
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2,255,704 33,951 SH SOLE 0 0 33,951
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,508,603 30,235 SH SOLE 0 0 30,235
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 10,089,220 26,959 SH SOLE 0 0 26,959
ISHARES INC CORE MSCI EMKT 46434G103 4,516,265 55,646 SH SOLE 0 0 55,646
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,886,184 32,769 SH SOLE 0 0 32,769
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,083,708 41,892 SH SOLE 0 0 41,892
APPLE INC COM 037833100 2,021,232 6,069 SH SOLE 0 0 6,069
CHEVRON CORPORATION COM 166764100 224,223 1,098 SH SOLE 0 0 1,098
INTERNATIONAL BUSINESS MACHS COM 459200101 539,708 2,454 SH SOLE 0 0 2,454
JPMORGAN CHASE & CO COM 46625H100 1,545,969 4,673 SH SOLE 0 0 4,673
HOME DEPOT INC COM 437076102 366,139 1,287 SH SOLE 0 0 1,287
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 783,496 3,626 SH SOLE 0 0 3,626
ISHARES TR CORE S&P MCP ETF 464287507 267,438 3,717 SH SOLE 0 0 3,717
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,781,088 39,645 SH SOLE 0 0 39,645
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,069,241 18,028 SH SOLE 0 0 18,028
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 203,943 5,509 SH SOLE 0 0 5,509
3M CO COM 88579Y101 285,293 1,738 SH SOLE 0 0 1,738
ABBOTT LABORATORIES COM 002824100 271,387 2,746 SH SOLE 0 0 2,746
ABBVIE INC COM 00287Y109 717,541 2,743 SH SOLE 0 0 2,743
ALPHABET INC CAP STK CL A 02079K305 543,646 1,580 SH SOLE 0 0 1,580
AUTOMATIC DATA PROCESSING IN COM 053015103 802,309 3,109 SH SOLE 0 0 3,109
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 574,345 3,529 SH SOLE 0 0 3,529
GE AEROSPACE COM NEW 369604301 838,987 2,687 SH SOLE 0 0 2,687
GE VERNOVA INC COM 36828A101 608,314 640 SH SOLE 0 0 640
ISHARES TR CORE S&P TTL STK 464287150 366,814 2,206 SH SOLE 0 0 2,206
JOHNSON & JOHNSON COM 478160104 329,072 1,243 SH SOLE 0 0 1,243
MICROSOFT CORP COM 594918104 1,846,440 3,600 SH SOLE 0 0 3,600
PHILIP MORRIS INTL INC COM 718172109 270,010 1,415 SH SOLE 0 0 1,415
UNION PAC CORP COM 907818108 217,432 799 SH SOLE 0 0 799
WASTE MGMT INC DEL COM 94106L109 303,637 1,489 SH SOLE 0 0 1,489
ALPHABET INC CAP STK CL C 02079K107 442,962 1,300 SH SOLE 0 0 1,300
CATERPILLAR INC COM 149123101 222,156 274 SH SOLE 0 0 274
NVIDIA CORPORATION COM 67066G104 1,248,116 5,465 SH SOLE 0 0 5,465
AMAZON COM INC COM 023135106 356,285 1,430 SH SOLE 0 0 1,430
AMGEN INC COM 031162100 282,833 671 SH SOLE 0 0 671
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 398,360 800 SH SOLE 0 0 800
BROADCOM INC COM 11135F101 261,637 745 SH SOLE 0 0 745
META PLATFORMS INC CL A 30303M102 274,843 379 SH SOLE 0 0 379
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 452,966 2,314 SH SOLE 0 0 2,314
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 357,195 510 SH SOLE 0 0 510
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 251,140 3,251 SH SOLE 0 0 3,251
WELLS FARGO & CO COM 949746101 301,468 3,766 SH SOLE 0 0 3,766
WISDOMTREE TR EM EX ST-OWNED 97717X578 471,920 10,073 SH SOLE 0 0 10,073
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 265,698 2,814 SH SOLE 0 0 2,814
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 323,355 1,107 SH SOLE 0 0 1,107
VANGUARD STAR FDS VG TL INTL STK F 921909768 488,520 5,750 SH SOLE 0 0 5,750
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 359,920 6,544 SH SOLE 0 0 6,544
ISHARES TR TIPS BD ETF 464287176 236,171 2,270 SH SOLE 0 0 2,270
DILLARDS INC CL A 254067101 344,375 514 SH SOLE 0 0 514
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,784,362 3,651 SH SOLE 0 0 3,651
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 445,598 1,319 SH SOLE 0 0 1,319
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 668,317 1,992 SH SOLE 0 0 1,992
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,482,193 5,210 SH SOLE 0 0 5,210
SYMBOTIC INC CLASS A COM 87151X101 1,114,855 26,500 SH SOLE 0 0 26,500
SABA CAPITAL INCOME & OPRNT SHS NEW 78518H202 69,307 11,532 SH SOLE 0 0 11,532
CURTISS WRIGHT CORP COM 231561101 503,577 926 SH SOLE 0 0 926
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 334,859 897 SH SOLE 0 0 897