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 494,927 1,892 SH SOLE 0 0 1,892
ALPHABET INC CAP STK CL C 02079K107 542,467 1,592 SH SOLE 0 0 1,592
ALPS ETF TR ALERIAN MLP 00162Q452 301,780 5,818 SH SOLE 0 0 5,818
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 1,558,372 39,563 SH SOLE 0 0 39,563
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,879,901 19,995 SH SOLE 0 0 19,995
AMERICAN CENTY ETF TR CORE MUNI FXD IN 025072695 1,042,140 24,395 SH SOLE 0 0 24,395
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 3,292,599 36,538 SH SOLE 0 0 36,538
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,599,978 14,628 SH SOLE 0 0 14,628
AMERICAN CENTY ETF TR US EQT ETF 025072885 732,618 5,719 SH SOLE 0 0 5,719
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,144,325 26,697 SH SOLE 0 0 26,697
APPLE INC COM 037833100 1,674,811 5,029 SH SOLE 0 0 5,029
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 476,040 956 SH SOLE 0 0 956
BLACKROCK CORPOR HI YLD FD I COM 09255P107 130,066 16,590 SH SOLE 0 0 16,590
BOEING CO COM 097023105 202,236 1,087 SH SOLE 0 0 1,087
COCA COLA CO COM 191216100 322,549 3,747 SH SOLE 0 0 3,747
DANAHER CORP DEL COM 235851102 204,713 924 SH SOLE 0 0 924
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 635,751 16,172 SH SOLE 0 0 16,172
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,375,453 78,329 SH SOLE 0 0 78,329
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 683,972 16,509 SH SOLE 0 0 16,509
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 438,861 9,874 SH SOLE 0 0 9,874
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 4,544,031 54,729 SH SOLE 0 0 54,729
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 1,947,305 48,477 SH SOLE 0 0 48,477
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,306,939 19,670 SH SOLE 0 0 19,670
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 456,957 3,860 SH SOLE 0 0 3,860
EA SERIES TRUST ALPHA ARCHITECT 02072Q853 1,444,717 23,439 SH SOLE 0 0 23,439
EA SERIES TRUST ALPHA ARCHITECT 02072L516 10,275,988 113,485 SH SOLE 0 0 113,485
EA SERIES TRUST ALPHA ARCHITECT 02072L631 17,048,064 698,120 SH SOLE 0 0 698,120
EA SERIES TRUST FREEDOM 100 EM 02072L607 1,354,806 19,363 SH SOLE 0 0 19,363
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 1,105,792 27,409 SH SOLE 0 0 27,409
EA SERIES TRUST INTL QUAN VALUE 02072L201 1,185,063 32,864 SH SOLE 0 0 32,864
EA SERIES TRUST US QUAN MOMENTUM 02072L409 2,196,278 30,461 SH SOLE 0 0 30,461
EA SERIES TRUST US QUAN VALUE 02072L102 2,370,526 40,619 SH SOLE 0 0 40,619
ELI LILLY & CO COM 532457108 219,845 190 SH SOLE 0 0 190
EOS ENERGY ENTERPRISES INC COM CL A 29415C101 236,357 77,115 SH SOLE 0 0 77,115
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 290,732 3,791 SH SOLE 0 0 3,791
IM GLOBAL PARTNER FUNDS IMGP DBI MAN ETF 53700T827 229,903 7,068 SH SOLE 0 0 7,068
INTERNATIONAL BUSINESS MACHS COM 459200101 576,217 2,620 SH SOLE 0 0 2,620
INVESCO QQQ TR UNIT SER 1 46090E103 303,306 410 SH SOLE 0 0 410
ISHARES TR 0-3 MTH TREASURY 46436E718 936,967 9,305 SH SOLE 0 0 9,305
ISHARES TR 1 3 YR TREAS BD 464287457 1,150,116 14,164 SH SOLE 0 0 14,164
ISHARES TR 3 7 YR TREAS BD 464288661 1,151,262 10,149 SH SOLE 0 0 10,149
ISHARES TR CORE MSCI EAFE 46432F842 253,438 2,616 SH SOLE 0 0 2,616
ISHARES TR CORE S&P MCP ETF 464287507 225,294 3,131 SH SOLE 0 0 3,131
ISHARES TR CORE S&P SCP ETF 464287804 570,243 4,192 SH SOLE 0 0 4,192
ISHARES TR CORE S&P TTL STK 464287150 1,263,562 7,599 SH SOLE 0 0 7,599
ISHARES TR CORE S&P500 ETF 464287200 5,514,896 7,200 SH SOLE 0 0 7,200
ISHARES TR CORE US AGGBD ET 464287226 2,225,321 23,538 SH SOLE 0 0 23,538
ISHARES TR FALN ANGLS USD 46435G474 581,289 22,418 SH SOLE 0 0 22,418
ISHARES TR FLTG RATE NT ETF 46429B655 822,026 16,103 SH SOLE 0 0 16,103
ISHARES TR MSCI EAFE ETF 464287465 290,909 2,800 SH SOLE 0 0 2,800
ISHARES TR NATIONAL MUN ETF 464288414 255,167 2,524 SH SOLE 0 0 2,524
ISHARES TR RUS MID CAP ETF 464287499 510,633 4,785 SH SOLE 0 0 4,785
ISHARES TR RUSEL 2500 ETF 46435G268 921,739 10,777 SH SOLE 0 0 10,777
ISHARES TR SHRT NAT MUN ETF 464288158 1,705,015 16,310 SH SOLE 0 0 16,310
ISHARES TR U S EQUITY FACTR 46434V282 321,819 4,134 SH SOLE 0 0 4,134
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 702,520 7,000 SH SOLE 0 0 7,000
JOHNSON & JOHNSON COM 478160104 417,459 1,577 SH SOLE 0 0 1,577
JPMORGAN CHASE & CO COM 46625H100 438,216 1,325 SH SOLE 0 0 1,325
M & T BK CORP COM 55261F104 1,086,322 4,992 SH SOLE 0 0 4,992
MERCK & CO INC COM 58933Y105 217,965 1,500 SH SOLE 0 0 1,500
MICROSOFT CORP COM 594918104 1,078,116 2,102 SH SOLE 0 0 2,102
NEWMARK GROUP INC CL A 65158N102 346,394 28,254 SH SOLE 0 0 28,254
NVIDIA CORPORATION COM 67066G104 246,651 1,080 SH SOLE 0 0 1,080
PIMCO ETF TR ACTIVE BD ETF 72201R775 459,339 5,282 SH SOLE 0 0 5,282
PIMCO ETF TR INTER MUN BD ACT 72201R866 241,985 4,870 SH SOLE 0 0 4,870
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 703,049 14,229 SH SOLE 0 0 14,229
PRICE T ROWE GROUP INC COM 74144T108 125,222,614 1,203,485 SH SOLE 0 0 1,203,485
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,235,279 33,891 SH SOLE 0 0 33,891
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 2,418,415 44,994 SH SOLE 0 0 44,994
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 847,886 26,943 SH SOLE 0 0 26,943
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,003,862 254,963 SH SOLE 0 0 254,963
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 8,891,912 375,185 SH SOLE 0 0 375,185
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 807,975 33,863 SH SOLE 0 0 33,863
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 290,362 13,138 SH SOLE 0 0 13,138
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,179,929 40,257 SH SOLE 0 0 40,257
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,560,045 85,336 SH SOLE 0 0 85,336
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,889,506 88,553 SH SOLE 0 0 88,553
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,129,057 84,723 SH SOLE 0 0 84,723
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 279,579 4,546 SH SOLE 0 0 4,546
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 234,900 1,200 SH SOLE 0 0 1,200
SPDR GOLD TR GOLD SHS 78463V107 703,211 1,846 SH SOLE 0 0 1,846
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 756,170 16,209 SH SOLE 0 0 16,209
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,009,722 1,324 SH SOLE 0 0 1,324
T ROWE PRICE EXCHANGE-TRADED GROWTH ETF 87283Q842 498,294 10,575 SH SOLE 0 0 10,575
T ROWE PRICE EXCHANGE-TRADED PRICE GRW STOCK 87283Q305 265,924 5,488 SH SOLE 0 0 5,488
T ROWE PRICE EXCHANGE-TRADED QM US BOND ETF 87283Q602 318,224 7,846 SH SOLE 0 0 7,846
T ROWE PRICE EXCHANGE-TRADED SMALL MID CAP 87283Q826 549,532 13,502 SH SOLE 0 0 13,502
T ROWE PRICE EXCHANGE-TRADED ULTRA SHRT TRM 87283Q701 276,867 5,585 SH SOLE 0 0 5,585
T ROWE PRICE EXCHANGE-TRADED VALUE ETF 87283Q859 306,463 7,295 SH SOLE 0 0 7,295
VANECK ETF TRUST GOLD MINERS ETF 92189F106 224,996 2,562 SH SOLE 0 0 2,562
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,631,258 21,352 SH SOLE 0 0 21,352
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,025,470 114,405 SH SOLE 0 0 114,405
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 956,826 20,414 SH SOLE 0 0 20,414
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,247,713 22,656 SH SOLE 0 0 22,656
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 242,532 2,691 SH SOLE 0 0 2,691
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 4,762,774 13,536 SH SOLE 0 0 13,536
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 419,161 5,345 SH SOLE 0 0 5,345
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,067,349 3,752 SH SOLE 0 0 3,752
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 12,355,748 33,015 SH SOLE 0 0 33,015
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 3,374,803 15,618 SH SOLE 0 0 15,618
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 907,789 10,128 SH SOLE 0 0 10,128
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,751,211 8,205 SH SOLE 0 0 8,205
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 926,027 15,614 SH SOLE 0 0 15,614
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,194,744 13,904 SH SOLE 0 0 13,904
VANGUARD MALVERN FDS CORE BD ETF 922020748 1,248,862 16,964 SH SOLE 0 0 16,964
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,199,694 24,374 SH SOLE 0 0 24,374
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 983,517 13,742 SH SOLE 0 0 13,742
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,110,423 86,791 SH SOLE 0 0 86,791
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 492,867 8,698 SH SOLE 0 0 8,698
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 485,796 6,203 SH SOLE 0 0 6,203
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 513,174 8,915 SH SOLE 0 0 8,915
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 664,351 8,600 SH SOLE 0 0 8,600
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 502,833 2,156 SH SOLE 0 0 2,156
VANGUARD STAR FDS VG TL INTL STK F 921909768 15,057,861 177,234 SH SOLE 0 0 177,234
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,888,467 69,231 SH SOLE 0 0 69,231
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 513,347 5,206 SH SOLE 0 0 5,206
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 402,640 2,594 SH SOLE 0 0 2,594
WALMART INC COM 931142103 1,394,606 13,420 SH SOLE 0 0 13,420