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
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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 TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 28,762,974 407,350 SH SOLE 407,350 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,201,803 155,148 SH SOLE 155,148 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 70,661,785 188,814 SH SOLE 188,814 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 37,927,042 540,656 SH SOLE 540,656 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,098,499 172,786 SH SOLE 172,786 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,485,293 32,530 SH SOLE 32,530 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,058,431 52,536 SH SOLE 52,536 0 0
ALPHABET INC CAP STK CL C 02079K107 332,222 975 SH SOLE 975 0 0
APPLE INC COM 037833100 1,669,525 5,013 SH SOLE 5,013 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 201,095 111 SH SOLE 111 0 0
BROADCOM INC COM 11135F101 472,702 1,346 SH SOLE 1,346 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 215,044 236 SH SOLE 236 0 0
JPMORGAN CHASE & CO COM 46625H100 329,507 996 SH SOLE 996 0 0
KLA CORP COM NEW 482480100 576,993 2,960 SH SOLE 2,960 0 0
MCKESSON CORP COM 58155Q103 254,716 298 SH SOLE 298 0 0
MICROSOFT CORP COM 594918104 3,359,587 6,550 SH SOLE 6,550 0 0
NEXTERA ENERGY INC COM 65339F101 221,767 2,928 SH SOLE 2,928 0 0
VISA INC COM CL A 92826C839 1,968,050 5,477 SH SOLE 5,477 0 0
WALMART INC COM 931142103 289,625 2,787 SH SOLE 2,787 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 222,162 3,977 SH SOLE 3,977 0 0
ISHARES TR CORE S&P500 ETF 464287200 273,558 357 SH SOLE 357 0 0
ISHARES TR CORE S&P MCP ETF 464287507 425,536 5,914 SH SOLE 5,914 0 0
ISHARES TR CORE S&P SCP ETF 464287804 408,914 3,006 SH SOLE 3,006 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 271,239 9,874 SH SOLE 9,874 0 0
ALPHABET INC CAP STK CL A 02079K305 454,186 1,320 SH SOLE 1,320 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 776,242 19,747 SH SOLE 19,747 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,165,423 52,267 SH SOLE 52,267 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 6,433,298 122,867 SH SOLE 122,867 0 0
ISHARES TR NATIONAL MUN ETF 464288414 9,994,544 98,858 SH SOLE 98,858 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 697,996 4,906 SH SOLE 4,906 0 0
ISHARES TR S&P 500 VAL ETF 464287408 431,207 1,889 SH SOLE 1,889 0 0
ORACLE CORP COM 68389X105 477,392 3,477 SH SOLE 3,477 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,460,337 18,622 SH SOLE 18,622 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 235,192 4,321 SH SOLE 4,321 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 240,669 5,748 SH SOLE 5,748 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 203,014 3,777 SH SOLE 3,777 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 456,660 15,222 SH SOLE 15,222 0 0
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,161,438 22,439 SH SOLE 22,439 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,015,858 2,876 SH SOLE 2,876 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 11,473,335 242,258 SH SOLE 242,258 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 744,492 22,886 SH SOLE 22,886 0 0
AMAZON COM INC COM 023135106 695,876 2,793 SH SOLE 2,793 0 0
NVIDIA CORPORATION COM 67066G104 838,948 3,670 SH SOLE 3,670 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 461,600 927 SH SOLE 927 0 0
CSX CORP COM 126408103 352,732 7,584 SH SOLE 7,584 0 0
JOHNSON & JOHNSON COM 478160104 329,445 1,244 SH SOLE 1,244 0 0
MCDONALDS CORP COM 580135101 270,431 1,171 SH SOLE 1,171 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 256,178 6,811 SH SOLE 6,811 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 524,756 4,603 SH SOLE 4,603 0 0
GE AEROSPACE COM NEW 369604301 301,672 966 SH SOLE 966 0 0
GE VERNOVA INC COM 36828A101 413,463 435 SH SOLE 435 0 0
SOUTHERN CO COM 842587107 346,511 4,180 SH SOLE 4,180 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 4,554,536 50,544 SH SOLE 50,544 0 0
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 4,155,426 54,879 SH SOLE 54,879 0 0
COCA COLA CO COM 191216100 682,140 7,876 SH SOLE 7,876 0 0
ISHARES TR CORE US AGGBD ET 464287226 2,050,573 21,690 SH SOLE 21,690 0 0
ISHARES INC CORE MSCI EMKT 46434G103 310,680 3,828 SH SOLE 3,828 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 233,787 1,506 SH SOLE 1,506 0 0
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 2,780,900 62,562 SH SOLE 62,562 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 416,631 1,786 SH SOLE 1,786 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,235,603 23,076 SH SOLE 23,076 0 0
ISHARES TR CORE S&P TTL STK 464287150 13,460,347 80,950 SH SOLE 80,950 0 0
MASTERCARD INCORPORATED CL A 57636Q104 441,727 801 SH SOLE 801 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 334,482 6,529 SH SOLE 6,529 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,748,821 13,916 SH SOLE 13,916 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 298,317 10,178 SH SOLE 10,178 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 699,584 14,806 SH SOLE 14,806 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 509,005 5,033 SH SOLE 5,033 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 421,789 4,965 SH SOLE 4,965 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 393,492 2,448 SH SOLE 2,448 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,968,489 9,110 SH SOLE 9,110 0 0
COHERENT CORP COM 19247G107 462,511 1,607 SH SOLE 1,607 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 400,083 4,263 SH SOLE 4,263 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 201,676 917 SH SOLE 917 0 0
TESLA INC COM 88160R101 250,141 705 SH SOLE 705 0 0
ALBEMARLE CORP COM 012653101 1,057,334 9,957 SH SOLE 9,957 0 0
NEWMARKET CORP COM 651587107 226,031 251 SH SOLE 251 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 536,194 14,484 SH SOLE 14,484 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,194,654 1,563 SH SOLE 1,563 0 0
WEX INC COM 96208T104 210,875 1,250 SH SOLE 1,250 0 0
ISHARES TR CORE MSCI INTL 46435G326 342,798 3,831 SH SOLE 3,831 0 0
ETF SER SOLUTIONS DEFIA QUANT ETF 26922A420 208,442 1,375 SH SOLE 1,375 0 0
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 464,201 3,062 SH SOLE 3,062 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 205,457 312 SH SOLE 312 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 308,127 416 SH SOLE 416 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 252,000 4,200 SH SOLE 4,200 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 567,296 5,822 SH SOLE 5,822 0 0
PACER FDS TR US CASH COWS 100 69374H881 398,290 5,966 SH SOLE 5,966 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 269,336 1,987 SH SOLE 1,987 0 0