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 250,080 956 SH SOLE 0 0 956
ADVANCED MICRO DEVICES INC COM 007903107 422,726 691 SH SOLE 0 0 691
ALPHABET INC CAP STK CL A 02079K305 1,279,192 3,718 SH SOLE 0 0 3,718
ALPHABET INC CAP STK CL C 02079K107 1,581,572 4,642 SH SOLE 0 0 4,642
ALTRIA GROUP INC COM 02209S103 373,468 5,546 SH SOLE 0 0 5,546
AMAZON COM INC COM 023135106 1,884,072 7,562 SH SOLE 0 0 7,562
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 20,519,856 218,250 SH SOLE 0 0 218,250
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 15,905,591 145,416 SH SOLE 0 0 145,416
AMERICAN CENTY ETF TR US SML CP VALU 025072877 9,111,024 77,363 SH SOLE 0 0 77,363
AMGEN INC COM 031162100 384,417 912 SH SOLE 0 0 912
APPLE INC COM 037833100 5,779,613 17,355 SH SOLE 0 0 17,355
ASML HLDG NV N Y REGISTRY SHS N07059210 342,406 189 SH SOLE 0 0 189
BANCO BRADESCO S A SPONSORED ADR 059460402 62,740 20,370 SH SOLE 0 0 20,370
BANCO SANTANDER SA ADR 05964H105 214,808 15,532 SH SOLE 0 0 15,532
BANK OF AMER CORP COM 060505104 334,908 6,153 SH SOLE 0 0 6,153
BRISTOL-MYERS SQUIBB CO COM 110122108 227,011 3,638 SH SOLE 0 0 3,638
BROADCOM INC COM 11135F101 1,546,641 4,404 SH SOLE 0 0 4,404
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 1,174,199 55,465 SH SOLE 0 0 55,465
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 1,097,859 42,323 SH SOLE 0 0 42,323
CATERPILLAR INC COM 149123101 319,451 394 SH SOLE 0 0 394
CEMEX SAB DE CV SPON ADR NEW 151290889 135,356 14,233 SH SOLE 0 0 14,233
CHEVRON CORPORATION COM 166764100 436,397 2,137 SH SOLE 0 0 2,137
CHUBB LIMITED COM H1467J104 244,588 752 SH SOLE 0 0 752
CISCO SYS INC COM 17275R102 582,601 5,413 SH SOLE 0 0 5,413
CITIGROUP INC COM NEW 172967424 227,755 1,759 SH SOLE 0 0 1,759
COCA COLA CO COM 191216100 251,095 2,917 SH SOLE 0 0 2,917
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,320,016 19,868 SH SOLE 0 0 19,868
DUKE ENERGY CORP NEW COM NEW 26441C204 319,570 2,803 SH SOLE 0 0 2,803
ELI LILLY & CO COM 532457108 492,916 426 SH SOLE 0 0 426
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 426,957 2,623 SH SOLE 0 0 2,623
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 252,476 7,104 SH SOLE 0 0 7,104
GE VERNOVA INC COM 36828A101 202,454 213 SH SOLE 0 0 213
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 459,052 3,165 SH SOLE 0 0 3,165
HOME DEPOT INC COM 437076102 237,635 835 SH SOLE 0 0 835
HSBC HLDGS PLC SPON ADR NEW 404280406 359,502 3,620 SH SOLE 0 0 3,620
HUNTINGTON BANCSHARES INC COM 446150104 314,707 20,623 SH SOLE 0 0 20,623
INSPERITY INC COM 45778Q107 566,767 12,165 SH SOLE 0 0 12,165
INTEL CORP COM 458140100 205,473 1,709 SH SOLE 0 0 1,709
INTERNATIONAL BUSINESS MACHS COM 459200101 787,830 3,582 SH SOLE 0 0 3,582
INVESCO QQQ TR UNIT SER 1 46090E103 86,826,747 117,370 SH SOLE 0 0 117,370
ISHARES INC CORE MSCI EMKT 46434G103 5,020,750 61,862 SH SOLE 0 0 61,862
ISHARES INC ESG AWR MSCI EM 46434G863 8,969,551 165,612 SH SOLE 0 0 165,612
ISHARES TR 20 YR TR BD ETF 464287432 4,247,862 54,614 SH SOLE 0 0 54,614
ISHARES TR 7-10 YR TRSY BD 464287440 211,665 2,370 SH SOLE 0 0 2,370
ISHARES TR CORE INTL AGGR 46435G672 936,080 19,026 SH SOLE 0 0 19,026
ISHARES TR CORE MSCI EAFE 46432F842 316,991 3,272 SH SOLE 0 0 3,272
ISHARES TR CORE S&P MCP ETF 464287507 1,172,586 16,297 SH SOLE 0 0 16,297
ISHARES TR CORE S&P SCP ETF 464287804 2,495,326 18,343 SH SOLE 0 0 18,343
ISHARES TR CORE S&P500 ETF 464287200 1,987,414 2,595 SH SOLE 0 0 2,595
ISHARES TR CORE US AGGBD ET 464287226 4,339,527 45,901 SH SOLE 0 0 45,901
ISHARES TR CRE U S REIT ETF 464288521 1,231,785 20,003 SH SOLE 0 0 20,003
ISHARES TR EAFE SML CP ETF 464288273 1,659,400 19,656 SH SOLE 0 0 19,656
ISHARES TR FALN ANGLS USD 46435G474 304,367 11,738 SH SOLE 0 0 11,738
ISHARES TR IBOXX INV CP ETF 464287242 1,523,472 14,910 SH SOLE 0 0 14,910
ISHARES TR ISHS 1-5YR INVS 464288646 289,091 5,643 SH SOLE 0 0 5,643
ISHARES TR MSCI ACWI ETF 464288257 5,224,945 32,910 SH SOLE 0 0 32,910
ISHARES TR MSCI INTL QUALTY 46434V456 6,470,677 130,800 SH SOLE 0 0 130,800
ISHARES TR MSCI USA QLT FCT 46432F339 285,356 1,284 SH SOLE 0 0 1,284
ISHARES TR NATIONAL MUN ETF 464288414 420,911 4,163 SH SOLE 0 0 4,163
ISHARES TR RUS 2000 GRW ETF 464287648 1,003,111 2,811 SH SOLE 0 0 2,811
ISHARES TR RUS MD CP GR ETF 464287481 19,773,645 143,620 SH SOLE 0 0 143,620
ISHARES TR RUS MDCP VAL ETF 464287473 1,113,224 6,926 SH SOLE 0 0 6,926
ISHARES TR RUSSELL 2000 ETF 464287655 215,365 775 SH SOLE 0 0 775
ISHARES TR S&P 500 GRWT ETF 464287309 870,773 6,121 SH SOLE 0 0 6,121
ISHARES TR S&P MC 400GR ETF 464287606 258,241 2,356 SH SOLE 0 0 2,356
ISHARES TR SELECT US REIT 464287564 784,363 12,470 SH SOLE 0 0 12,470
ISHARES TR SHRT NAT MUN ETF 464288158 1,202,315 11,501 SH SOLE 0 0 11,501
ISHARES TR SP SMCP600VL ETF 464287879 1,660,286 12,961 SH SOLE 0 0 12,961
ISHARES TR TRUST ISHARE 0-1 464288679 515,856 4,676 SH SOLE 0 0 4,676
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 780,987 15,447 SH SOLE 0 0 15,447
JOHNSON & JOHNSON COM 478160104 708,999 2,678 SH SOLE 0 0 2,678
JOHNSON CONTROLS INTERNATION SHS G51502105 240,367 1,617 SH SOLE 0 0 1,617
JPMORGAN CHASE & CO COM 46625H100 811,857 2,454 SH SOLE 0 0 2,454
LAM RESEARCH CORP COM NEW 512807306 281,533 857 SH SOLE 0 0 857
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 91,752 16,297 SH SOLE 0 0 16,297
LOWES COS INC COM 548661107 263,350 1,429 SH SOLE 0 0 1,429
MASTERCARD INCORPORATED CL A 57636Q104 260,294 472 SH SOLE 0 0 472
MEDTRONIC PLC SHS G5960L103 346,972 4,021 SH SOLE 0 0 4,021
MERCK & CO INC COM 58933Y105 621,491 4,277 SH SOLE 0 0 4,277
META PLATFORMS INC CL A 30303M102 919,951 1,269 SH SOLE 0 0 1,269
MICRON TECHNOLOGY INC COM 595112103 439,890 413 SH SOLE 0 0 413
MICROSOFT CORP COM 594918104 1,740,818 3,394 SH SOLE 0 0 3,394
MORGAN STANLEY COM NEW 617446448 388,197 2,064 SH SOLE 0 0 2,064
NEXTERA ENERGY INC COM 65339F101 342,469 4,522 SH SOLE 0 0 4,522
NOVARTIS AG SPONSORED ADR 66987V109 519,525 3,644 SH SOLE 0 0 3,644
NVIDIA CORPORATION COM 67066G104 2,970,155 13,005 SH SOLE 0 0 13,005
PALO ALTO NETWORKS INC COM 697435105 329,370 829 SH SOLE 0 0 829
PHILIP MORRIS INTL INC COM 718172109 543,646 2,849 SH SOLE 0 0 2,849
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,443,995 34,252 SH SOLE 0 0 34,252
PNC FINL SVCS GROUP INC COM 693475105 3,174,317 14,282 SH SOLE 0 0 14,282
PROLOGIS INC. COM 74340W103 313,434 2,414 SH SOLE 0 0 2,414
QUALCOMM INC COM 747525103 226,022 1,228 SH SOLE 0 0 1,228
ROYAL BK CDA COM 780087102 219,984 1,119 SH SOLE 0 0 1,119
RTX CORPORATION COM 75513E101 216,654 1,167 SH SOLE 0 0 1,167
SANDISK CORP COM 80004C200 241,845 139 SH SOLE 0 0 139
SAP SE SPON ADR 803054204 245,381 1,177 SH SOLE 0 0 1,177
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,281,523 701,912 SH SOLE 0 0 701,912
SCHWAB STRATEGIC TR LONG TERM US 808524680 274,269 9,637 SH SOLE 0 0 9,637
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 41,490,490 1,275,453 SH SOLE 0 0 1,275,453
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 455,377 11,131 SH SOLE 0 0 11,131
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 392,655 4,233 SH SOLE 0 0 4,233
SPDR SERIES TRUST ST STR P500GRW 78464A409 11,018,474 89,523 SH SOLE 0 0 89,523
SPDR SERIES TRUST ST STR P500VAL 78464A508 4,752,974 77,752 SH SOLE 0 0 77,752
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 5,110,589 10,049 SH SOLE 0 0 10,049
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,564,949 2,052 SH SOLE 0 0 2,052
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 316,517 12,216 SH SOLE 0 0 12,216
T ROWE PRICE EXCHANGE-TRADED US HIGH YIELD 87283Q875 2,000,897 40,179 SH SOLE 0 0 40,179
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 928,347 2,035 SH SOLE 0 0 2,035
TARGET CORP COM 87612E106 240,049 1,532 SH SOLE 0 0 1,532
TESLA INC COM 88160R101 1,140,714 3,215 SH SOLE 0 0 3,215
TRUIST FINL CORP COM 89832Q109 215,341 4,651 SH SOLE 0 0 4,651
UNILEVER PLC SPON ADR NEW 904767803 239,580 3,945 SH SOLE 0 0 3,945
UNITEDHEALTH GROUP INC COM 91324P102 254,386 693 SH SOLE 0 0 693
US BANCORP COM NEW 902973304 289,955 5,020 SH SOLE 0 0 5,020
VALE S A SPONSORED ADS 91912E105 179,627 13,395 SH SOLE 0 0 13,395
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,422,033 101,867 SH SOLE 0 0 101,867
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 564,584 7,390 SH SOLE 0 0 7,390
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 332,230 4,736 SH SOLE 0 0 4,736
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 13,889,666 154,141 SH SOLE 0 0 154,141
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 17,523,522 49,804 SH SOLE 0 0 49,804
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 2,769,510 9,481 SH SOLE 0 0 9,481
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 1,986,081 10,157 SH SOLE 0 0 10,157
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 3,869,036 49,337 SH SOLE 0 0 49,337
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 1,774,282 5,252 SH SOLE 0 0 5,252
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 671,427 2,360 SH SOLE 0 0 2,360
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,042,046 5,457 SH SOLE 0 0 5,457
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 4,097,742 18,964 SH SOLE 0 0 18,964
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,776,108 42,130 SH SOLE 0 0 42,130
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 350,428 500 SH SOLE 0 0 500
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 455,560 7,681 SH SOLE 0 0 7,681
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,402,776 15,477 SH SOLE 0 0 15,477
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,680,471 35,987 SH SOLE 0 0 35,987
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,431,434 30,225 SH SOLE 0 0 30,225
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 355,221 6,171 SH SOLE 0 0 6,171
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 222,578 954 SH SOLE 0 0 954
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 29,258,010 414,361 SH SOLE 0 0 414,361
VENU HLDG CORP COM 92333E104 102,369 72,091 SH SOLE 0 0 72,091
VERIZON COMMUNICATIONS INC COM 92343V104 243,432 5,307 SH SOLE 0 0 5,307
VISA INC COM CL A 92826C839 732,729 2,039 SH SOLE 0 0 2,039
WALMART INC COM 931142103 222,942 2,145 SH SOLE 0 0 2,145
WELLTOWER INC COM 95040Q104 227,247 987 SH SOLE 0 0 987