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
1ST FINL BANCORP COM 320209109 355,044 11,336 SH SOLE 0 0 11,336
ABBOTT LABORATORIES COM 002824100 517,481 5,236 SH SOLE 0 0 5,236
ABBVIE INC COM 00287Y109 2,040,253 7,799 SH SOLE 0 0 7,799
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 216,560 1,181 SH SOLE 0 0 1,181
ADVANCED MICRO DEVICES INC COM 007903107 1,298,155 2,122 SH SOLE 0 0 2,122
AERCAP HOLDINGS NV SHS N00985106 369,277 2,573 SH SOLE 0 0 2,573
ALPHABET INC CAP STK CL A 02079K305 2,851,885 8,288 SH SOLE 0 0 8,288
ALPHABET INC CAP STK CL C 02079K107 3,576,307 10,496 SH SOLE 0 0 10,496
ALTRIA GROUP INC COM 02209S103 869,625 12,835 SH SOLE 0 0 12,835
AMAZON COM INC COM 023135106 3,333,378 13,379 SH SOLE 0 0 13,379
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 7,915,898 121,540 SH SOLE 0 0 121,540
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 7,888,772 72,123 SH SOLE 0 0 72,123
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,253,196 36,114 SH SOLE 0 0 36,114
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 11,804,280 299,677 SH SOLE 0 0 299,677
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 322,301 3,428 SH SOLE 0 0 3,428
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695 2,256,171 52,813 SH SOLE 0 0 52,813
AMERICAN EXPRESS CO COM 025816109 312,960 1,029 SH SOLE 0 0 1,029
AMGEN INC COM 031162100 573,052 1,360 SH SOLE 0 0 1,360
AMPHENOL CORP CL A 032095101 467,212 5,537 SH SOLE 0 0 5,537
ANALOG DEVICES INC COM 032654105 375,026 945 SH SOLE 0 0 945
APPLE INC COM 037833100 7,632,209 22,918 SH SOLE 0 0 22,918
APPLIED MATLS INC COM 038222105 835,647 1,634 SH SOLE 0 0 1,634
ARISTA NETWORKS INC COM SHS 040413205 208,680 1,025 SH SOLE 0 0 1,025
ASML HLDG NV N Y REGISTRY SHS N07059210 431,177 238 SH SOLE 0 0 238
ASTRAZENECA PLC ORD G0593M107 305,501 1,892 SH SOLE 0 0 1,892
AT&T INC COM 00206R102 282,620 11,583 SH SOLE 0 0 11,583
BANK OF AMER CORP COM 060505104 663,983 12,199 SH SOLE 0 0 12,199
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,531,694 3,076 SH SOLE 0 0 3,076
BLACKROCK INC COM 09290D101 215,978 204 SH SOLE 0 0 204
BRISTOL-MYERS SQUIBB CO COM 110122108 216,689 3,473 SH SOLE 0 0 3,473
BROADCOM INC COM 11135F101 2,435,789 6,936 SH SOLE 0 0 6,936
CATERPILLAR INC COM 149123101 430,617 531 SH SOLE 0 0 531
CHARLES SCHWAB CORP (THE) COM 808513105 215,614 2,206 SH SOLE 0 0 2,206
CHEVRON CORPORATION COM 166764100 898,627 4,401 SH SOLE 0 0 4,401
CHUBB LIMITED COM H1467J104 342,749 1,052 SH SOLE 0 0 1,052
CISCO SYS INC COM 17275R102 1,158,942 10,768 SH SOLE 0 0 10,768
CITIGROUP INC COM NEW 172967424 474,096 3,662 SH SOLE 0 0 3,662
COCA COLA CO COM 191216100 562,832 6,518 SH SOLE 0 0 6,518
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 218,909 2,152 SH SOLE 0 0 2,152
COLGATE PALMOLIVE CO COM 194162103 202,873 2,378 SH SOLE 0 0 2,378
CONOCOPHILLIPS COM 20825C104 265,579 2,122 SH SOLE 0 0 2,122
CONSTELLATION ENERGY CORP COM 21037T109 213,896 842 SH SOLE 0 0 842
CORNING INC COM 219350105 258,712 1,683 SH SOLE 0 0 1,683
COSTCO WHOLESALE CORPORATION COM 22160K105 721,975 793 SH SOLE 0 0 793
CSX CORP COM 126408103 536,028 11,525 SH SOLE 0 0 11,525
DEERE & CO COM 244199105 482,848 718 SH SOLE 0 0 718
DELL TECHNOLOGIES INC CL C 24703L202 629,939 1,171 SH SOLE 0 0 1,171
DISNEY WALT CO COM 254687106 299,172 2,852 SH SOLE 0 0 2,852
EATON CORP PLC SHS G29183103 287,906 670 SH SOLE 0 0 670
ELI LILLY & CO COM 532457108 984,794 851 SH SOLE 0 0 851
EMERSON ELEC CO COM 291011104 239,940 1,547 SH SOLE 0 0 1,547
ENTERPRISE PRODS PARTNERS L COM 293792107 325,867 9,151 SH SOLE 0 0 9,151
EOG RES INC COM 26875P101 293,153 2,128 SH SOLE 0 0 2,128
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,184,669 7,279 SH SOLE 0 0 7,279
FIRST TR INTER DURATN PFD & COM 33718W103 359,165 22,434 SH SOLE 0 0 22,434
FLEXSHARES TR NRTRN TR MRN GBL 33939L407 5,275,142 100,022 SH SOLE 0 0 100,022
FLEXSHARES TR NRTRN TR HGH YLD 33939L662 2,100,891 54,077 SH SOLE 0 0 54,077
FLEXSHARES TR NRTRN TR MRNGS F 33939L308 245,621 3,231 SH SOLE 0 0 3,231
FLEXSHARES TR NORTHERN TR MOR 33939L100 479,685 1,730 SH SOLE 0 0 1,730
FLEXSHARES TR NRTHRN TR MRNGST 33939L803 501,608 4,965 SH SOLE 0 0 4,965
FLEXSHARES TR NORTHERN TR US Q 33939L746 753,323 8,281 SH SOLE 0 0 8,281
FLEXSHARES TR NORTHERN TR CORE 33939L670 219,632 10,423 SH SOLE 0 0 10,423
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101 110,785 21,470 SH SOLE 0 0 21,470
GE AEROSPACE COM NEW 369604301 542,187 1,736 SH SOLE 0 0 1,736
GE VERNOVA INC COM 36828A101 485,716 511 SH SOLE 0 0 511
GENERAL DYNAMICS CORP COM 369550108 339,849 1,024 SH SOLE 0 0 1,024
GILEAD SCIENCES INC COM 375558103 224,362 1,505 SH SOLE 0 0 1,505
GOLDMAN SACHS GROUP INC COM 38141G104 649,323 721 SH SOLE 0 0 721
HEWLETT PACKARD ENTERPRISE C COM 42824C109 576,099 9,005 SH SOLE 0 0 9,005
HOME DEPOT INC COM 437076102 297,142 1,044 SH SOLE 0 0 1,044
HOWMET AEROSPACE INC COM 443201108 201,534 891 SH SOLE 0 0 891
INTEL CORP COM 458140100 1,049,367 8,728 SH SOLE 0 0 8,728
INTUITIVE SURGICAL INC COM NEW 46120E602 480,637 1,182 SH SOLE 0 0 1,182
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 367,500 5,418 SH SOLE 0 0 5,418
INVESCO QQQ TR UNIT SER 1 46090E103 3,400,838 4,597 SH SOLE 0 0 4,597
ISHARES TR CORE S&P MCP ETF 464287507 6,703,957 93,175 SH SOLE 0 0 93,175
ISHARES TR US INFRASTRUC 46435U713 476,120 8,652 SH SOLE 0 0 8,652
ISHARES TR CORE US AGGBD ET 464287226 620,088 6,559 SH SOLE 0 0 6,559
ISHARES TR CORE MSCI INTL 46435G326 220,837 2,468 SH SOLE 0 0 2,468
ISHARES TR CORE S&P TTL STK 464287150 1,085,196 6,526 SH SOLE 0 0 6,526
ISHARES TR CORE S&P SCP ETF 464287804 480,765 3,534 SH SOLE 0 0 3,534
JOHNSON & JOHNSON COM 478160104 1,447,764 5,469 SH SOLE 0 0 5,469
JOHNSON CONTROLS INTERNATION SHS G51502105 252,875 1,698 SH SOLE 0 0 1,698
JPMORGAN CHASE & CO COM 46625H100 2,011,969 6,082 SH SOLE 0 0 6,082
KINDER MORGAN INC DEL COM 49456B101 220,453 7,312 SH SOLE 0 0 7,312
KLA CORP COM NEW 482480100 307,210 1,576 SH SOLE 0 0 1,576
LAM RESEARCH CORP COM NEW 512807306 567,021 1,725 SH SOLE 0 0 1,725
LINDE PLC SHS G54950103 207,492 437 SH SOLE 0 0 437
LOCKHEED MARTIN CORP COM 539830109 259,208 509 SH SOLE 0 0 509
LOWES COS INC COM 548661107 210,538 1,142 SH SOLE 0 0 1,142
MARATHON PETE CORP COM 56585A102 207,654 525 SH SOLE 0 0 525
MARSH & MCLENNAN COS INC COM 571748102 221,608 1,298 SH SOLE 0 0 1,298
MASTERCARD INCORPORATED CL A 57636Q104 666,229 1,208 SH SOLE 0 0 1,208
MATTHEWS ASIA FDS EMER MKTS EQUITY 577125818 325,477 7,482 SH SOLE 0 0 7,482
MCDONALDS CORP COM 580135101 675,388 2,925 SH SOLE 0 0 2,925
MERCK & CO INC COM 58933Y105 912,014 6,256 SH SOLE 0 0 6,256
META PLATFORMS INC CL A 30303M102 2,229,317 3,074 SH SOLE 0 0 3,074
MICRON TECHNOLOGY INC COM 595112103 1,300,537 1,221 SH SOLE 0 0 1,221
MICROSOFT CORP COM 594918104 5,688,968 11,092 SH SOLE 0 0 11,092
MONDELEZ INTL INC CL A 609207105 336,863 5,796 SH SOLE 0 0 5,796
MORGAN STANLEY COM NEW 617446448 571,048 3,036 SH SOLE 0 0 3,036
MOTOROLA SOLUTIONS INC COM NEW 620076307 254,580 570 SH SOLE 0 0 570
NASDAQ INC COM 631103108 378,033 4,109 SH SOLE 0 0 4,109
NETFLIX INC. COM 64110L106 447,608 6,433 SH SOLE 0 0 6,433
NEXTERA ENERGY INC COM 65339F101 367,377 4,850 SH SOLE 0 0 4,850
NORFOLK SOUTHN CORP COM 655844108 500,921 1,621 SH SOLE 0 0 1,621
NORTHERN FDS SHORT-TERM TAX 665162228 740,111 15,020 SH SOLE 0 0 15,020
NOVARTIS AG SPONSORED ADR 66987V109 276,443 1,939 SH SOLE 0 0 1,939
NUCOR CORP COM 670346105 389,428 1,666 SH SOLE 0 0 1,666
NUVEEN CHURCHILL DIRECT LEND COM SHS 67090S108 116,212 10,001 SH SOLE 0 0 10,001
NVIDIA CORPORATION COM 67066G104 5,699,446 24,943 SH SOLE 0 0 24,943
ORACLE CORP COM 68389X105 461,183 3,359 SH SOLE 0 0 3,359
PALANTIR TECHNOLOGIES INC CL A 69608A108 667,394 3,568 SH SOLE 0 0 3,568
PALO ALTO NETWORKS INC COM 697435105 452,933 1,140 SH SOLE 0 0 1,140
PARKER-HANNIFIN CORP COM 701094104 212,144 222 SH SOLE 0 0 222
PEPSICO INC COM 713448108 225,822 1,782 SH SOLE 0 0 1,782
PFIZER INC COM 717081103 264,294 9,267 SH SOLE 0 0 9,267
PHILIP MORRIS INTL INC COM 718172109 1,189,224 6,232 SH SOLE 0 0 6,232
PNC FINL SVCS GROUP INC COM 693475105 325,458 1,464 SH SOLE 0 0 1,464
PROCTER & GAMBLE CO COM 742718109 693,941 4,777 SH SOLE 0 0 4,777
PROLOGIS INC. COM 74340W103 268,342 2,067 SH SOLE 0 0 2,067
QUALCOMM INC COM 747525103 433,857 2,357 SH SOLE 0 0 2,357
RTX CORPORATION COM 75513E101 649,140 3,497 SH SOLE 0 0 3,497
RYAN SPECIALTY HOLDINGS INC CL A 78351F107 1,602,618 43,314 SH SOLE 0 0 43,314
S&P GLOBAL INC COM 78409V104 262,357 665 SH SOLE 0 0 665
SANDISK CORP COM 80004C200 217,486 125 SH SOLE 0 0 125
SAP SE SPON ADR 803054204 358,377 1,719 SH SOLE 0 0 1,719
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 331,384 10,187 SH SOLE 0 0 10,187
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,240,483 34,525 SH SOLE 0 0 34,525
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 599,214 17,989 SH SOLE 0 0 17,989
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 312,887 8,584 SH SOLE 0 0 8,584
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 241,134 10,106 SH SOLE 0 0 10,106
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 311,024 337 SH SOLE 0 0 337
SHELL PLC SPON ADS 780259305 214,148 2,253 SH SOLE 0 0 2,253
SK HYNIX INC AMERICAN DEPOSIT 78392B206 361,486 1,963 SH SOLE 0 0 1,963
SPDR SERIES TRUST ST STR SP DIV 78464A763 202,024 1,379 SH SOLE 0 0 1,379
SPDR SERIES TRUST ST STR SP SEMI 78464A862 1,040,703 1,965 SH SOLE 0 0 1,965
SPDR SERIES TRUST ST STR P500GRW 78464A409 440,873 3,582 SH SOLE 0 0 3,582
SPDR SERIES TRUST ST STR P500ETF 78464A854 453,108 5,048 SH SOLE 0 0 5,048
SPDR SERIES TRUST ST STR SP600 SML 78468R853 342,533 6,480 SH SOLE 0 0 6,480
STARBUCKS CORP COM 855244109 246,465 2,623 SH SOLE 0 0 2,623
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,263,333 2,967 SH SOLE 0 0 2,967
STATE STR SPDR S&P 500 ETF T PUT 78462F953 228,789 300 PRN Put SOLE 0 0 300
STRYKER CORPORATION COM 863667101 213,808 775 SH SOLE 0 0 775
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,602,309 3,506 SH SOLE 0 0 3,506
TARGET CORP COM 87612E106 731,116 4,666 SH SOLE 0 0 4,666
TESLA INC COM 88160R101 960,825 2,708 SH SOLE 0 0 2,708
TEXAS INSTRS INC COM 882508104 503,285 1,797 SH SOLE 0 0 1,797
THERMO FISHER SCIENTIFIC INC COM 883556102 320,098 474 SH SOLE 0 0 474
TJX COS INC NEW COM 872540109 518,911 3,922 SH SOLE 0 0 3,922
UBS GROUP AG SHS H42097107 288,732 5,999 SH SOLE 0 0 5,999
UNION PAC CORP COM 907818108 319,330 1,173 SH SOLE 0 0 1,173
UNITEDHEALTH GROUP INC COM 91324P102 318,467 868 SH SOLE 0 0 868
VALERO ENERGY CORP COM 91913Y100 255,901 660 SH SOLE 0 0 660
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,471,675 75,098 SH SOLE 0 0 75,098
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 337,842 4,816 SH SOLE 0 0 4,816
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 42,866,935 61,163 SH SOLE 0 0 61,163
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,001,652 13,228 SH SOLE 0 0 13,228
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 299,160 5,044 SH SOLE 0 0 5,044
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,082,742 103,266 SH SOLE 0 0 103,266
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,237,171 229,956 SH SOLE 0 0 229,956
VERIZON COMMUNICATIONS INC COM 92343V104 335,820 7,321 SH SOLE 0 0 7,321
VISA INC COM CL A 92826C839 1,152,544 3,207 SH SOLE 0 0 3,207
WALMART INC COM 931142103 791,747 7,619 SH SOLE 0 0 7,619
WASTE MGMT INC DEL COM 94106L109 384,467 1,885 SH SOLE 0 0 1,885
WELLS FARGO & CO COM 949746101 258,433 3,228 SH SOLE 0 0 3,228
WESTERN DIGITAL CORP COM 958102105 239,519 527 SH SOLE 0 0 527
WISDOMTREE TR MORTGAGE PLUS BD 97717Y725 348,100 8,296 SH SOLE 0 0 8,296
WISDOMTREE TR YIELD ENHANCD US 97717X511 488,889 11,872 SH SOLE 0 0 11,872
ZACKS TRUST SMALL/MID CAP 98888G204 1,194,583 29,186 SH SOLE 0 0 29,186
ZACKS TRUST EARNGS CONSTANT 98888G105 2,531,125 68,206 SH SOLE 0 0 68,206
ZACKS TRUST FOCUS GROWTH ETF 98888G808 561,482 16,598 SH SOLE 0 0 16,598
ZACKS TRUST QUALITY INTL ETF 98888G881 934,275 32,529 SH SOLE 0 0 32,529