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 247,203 945 SH SOLE 945 0 0
ABERDEEN MULTI-MARKET INCOME SH BEN INT 552737108 63,772 14,900 SH SOLE 14,900 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 381,612 2,081 SH SOLE 2,081 0 0
ALPHABET INC CAP STK CL A 02079K305 1,176,118 3,418 SH SOLE 3,418 0 0
AMAZON COM INC COM 023135106 2,345,996 9,416 SH SOLE 9,416 0 0
AMERICAN CENTY ETF TR US QUALITY GROW 025072307 571,613 4,876 SH SOLE 4,876 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,812,933 32,376 SH SOLE 32,345 0 31
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 19,094,811 211,905 SH SOLE 211,749 0 156
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8,668,477 92,198 SH SOLE 92,129 0 69
AMERICAN EXPRESS CO COM 025816109 256,356 843 SH SOLE 843 0 0
AMPHENOL CORP CL A 032095101 481,316 5,709 SH SOLE 5,709 0 0
AON PLC SHS CL A G0403H108 298,912 1,080 SH SOLE 1,080 0 0
APPLE INC COM 037833100 3,257,203 9,780 SH SOLE 9,780 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 315,202 633 SH SOLE 633 0 0
BOOKING HOLDINGS INC COM 09857L108 355,932 2,184 SH SOLE 2,184 0 0
BOSTON SCIENTIFIC CORP COM 101137107 330,081 7,562 SH SOLE 7,562 0 0
BROADCOM INC COM 11135F101 1,176,978 3,351 SH SOLE 3,351 0 0
CHARLES SCHWAB CORP (THE) COM 808513105 387,539 3,965 SH SOLE 3,965 0 0
CHEVRON CORPORATION COM 166764100 475,971 2,330 SH SOLE 2,330 0 0
CISCO SYS INC COM 17275R102 719,824 6,687 SH SOLE 6,687 0 0
COCA COLA CO COM 191216100 288,568 3,352 SH SOLE 3,352 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,844,632 2,026 SH SOLE 2,026 0 0
DEERE & CO COM 244199105 406,959 606 SH SOLE 606 0 0
DELL TECHNOLOGIES INC CL C 24703L202 292,645 544 SH SOLE 544 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 5,440,104 150,154 SH SOLE 150,038 0 116
EATON CORP PLC SHS G29183103 401,779 935 SH SOLE 935 0 0
ELI LILLY & CO COM 532457108 469,774 406 SH SOLE 406 0 0
EMERSON ELEC CO COM 291011104 262,274 1,691 SH SOLE 1,691 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,145,686 7,039 SH SOLE 7,039 0 0
FEDERATED HERMES ETF TRUST TOTA RETU BD ETF 31423L404 29,456,517 1,229,917 SH SOLE 1,226,680 0 3,237
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 8,020,376 198,622 SH SOLE 198,466 0 156
GOLDMAN SACHS GROUP INC COM 38141G104 529,190 587 SH SOLE 587 0 0
HOME DEPOT INC COM 437076102 264,576 930 SH SOLE 930 0 0
INTEL CORP COM 458140100 1,101,307 9,160 SH SOLE 9,160 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 672,334 3,057 SH SOLE 3,057 0 0
ISHARES GOLD TR ISHARES NEW 464285204 338,485 4,334 SH SOLE 4,334 0 0
ISHARES TR CORE S&P500 ETF 464287200 396,710 518 SH SOLE 518 0 0
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 8,426,890 180,447 SH SOLE 180,447 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 4,598,560 47,614 SH SOLE 47,391 0 223
JOHNSON & JOHNSON COM 478160104 653,486 2,468 SH SOLE 2,468 0 0
JPMORGAN CHASE & CO COM 46625H100 750,513 2,268 SH SOLE 2,268 0 0
LINDE PLC SHS G54950103 266,279 561 SH SOLE 561 0 0
LOCKHEED MARTIN CORP COM 539830109 256,794 504 SH SOLE 504 0 0
LOWES COS INC COM 548661107 319,006 1,731 SH SOLE 1,731 0 0
MARSH & MCLENNAN COS INC COM 571748102 823,772 4,825 SH SOLE 4,825 0 0
MCKESSON CORP COM 58155Q103 373,115 437 SH SOLE 437 0 0
MERCK & CO INC COM 58933Y105 233,949 1,610 SH SOLE 1,610 0 0
META PLATFORMS INC CL A 30303M102 762,469 1,051 SH SOLE 1,051 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 538,102 6,919 SH SOLE 6,919 0 0
MICROSOFT CORP COM 594918104 3,161,275 6,163 SH SOLE 6,163 0 0
MONDELEZ INTL INC CL A 609207105 358,250 6,195 SH SOLE 6,195 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 355,438 797 SH SOLE 797 0 0
NETFLIX INC. COM 64110L106 322,851 4,640 SH SOLE 4,640 0 0
NEUBERGER BERMAN ETF TRUST SMAL MID CAP ETF 64135A804 3,704,269 135,787 SH SOLE 135,642 0 145
NEXTERA ENERGY INC COM 65339F101 297,788 3,931 SH SOLE 3,931 0 0
NORTHROP GRUMMAN CORP COM 666807102 209,830 434 SH SOLE 434 0 0
NVIDIA CORPORATION COM 67066G104 3,738,032 16,367 SH SOLE 16,367 0 0
NXP SEMICONDUCTORS N V COM N6596X109 290,024 1,221 SH SOLE 1,221 0 0
ORACLE CORP COM 68389X105 217,758 1,586 SH SOLE 1,586 0 0
PALO ALTO NETWORKS INC COM 697435105 984,137 2,477 SH SOLE 2,477 0 0
PEPSICO INC COM 713448108 348,966 2,753 SH SOLE 2,753 0 0
QUALCOMM INC COM 747525103 256,920 1,396 SH SOLE 1,396 0 0
RTX CORPORATION COM 75513E101 1,938,000 10,439 SH SOLE 10,439 0 0
SALESFORCE INC COM 79466L302 425,038 1,851 SH SOLE 1,851 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 350,636 11,963 SH SOLE 11,963 0 0
SERVICENOW INC COM 81762P102 425,080 3,172 SH SOLE 3,172 0 0
SPDR GOLD TR GOLD SHS 78463V107 318,382 836 SH SOLE 836 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 279,310 5,562 SH SOLE 5,562 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 49,066,529 546,641 SH SOLE 546,059 0 582
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 4,486,694 188,121 SH SOLE 187,840 0 281
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 592,711 777 SH SOLE 777 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 241,013 367 SH SOLE 367 0 0
T-MOBILE US INC COM 872590104 319,076 1,956 SH SOLE 1,956 0 0
TESLA INC COM 88160R101 853,318 2,405 SH SOLE 2,405 0 0
TEXAS INSTRS INC COM 882508104 262,444 937 SH SOLE 937 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 435,612 645 SH SOLE 645 0 0
TJX COS INC NEW COM 872540109 346,798 2,621 SH SOLE 2,621 0 0
UBER TECHNOLOGIES INC COM 90353T100 383,039 5,591 SH SOLE 5,591 0 0
ULTA BEAUTY INC COM 90384S303 406,350 744 SH SOLE 744 0 0
UNION PAC CORP COM 907818108 354,662 1,303 SH SOLE 1,303 0 0
VALERO ENERGY CORP COM 91913Y100 462,643 1,193 SH SOLE 1,193 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 752,724 1,074 SH SOLE 1,074 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 262,286 5,718 SH SOLE 5,718 0 0
VICTORY PORTFOLIOS II SHORT TRM BD ETF 92647N535 30,536,132 612,191 SH SOLE 610,654 0 1,537
VICTORY PORTFOLIOS II VICT WES U S ETF 92647P126 266,463 5,091 SH SOLE 5,091 0 0
VISA INC COM CL A 92826C839 415,106 1,155 SH SOLE 1,155 0 0
WALMART INC COM 931142103 493,325 4,747 SH SOLE 4,747 0 0
WASTE MGMT INC DEL COM 94106L109 359,889 1,764 SH SOLE 1,764 0 0