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
ADVANCED MICRO DEVICES INC COM 007903107 421,503 689 SH SOLE 0 0 689
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 233,624 3,379 SH SOLE 0 0 3,379
AON PLC SHS CL A G0403H108 236,638 855 SH SOLE 0 0 855
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 0 0 1
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 441,729 11,745 SH SOLE 0 0 11,745
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 326,334 5,842 SH SOLE 0 0 5,842
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 233,741 6,938 SH SOLE 0 0 6,938
FIRST TR EXCHANGE-TRADED FD COM SHS ANNUAL 33718M105 1,242,393 14,190 SH SOLE 0 0 14,190
INVESCO EXCHANGE TRADED FD T DORSEY WRGT INDS 46137V845 908,876 4,594 SH SOLE 0 0 4,594
ISHARES INC MSCI EMRG CHN 46434G764 9,386,344 94,735 SH SOLE 0 0 94,735
ISHARES TR RUS 1000 VAL ETF 464287598 20,209,022 81,511 SH SOLE 0 0 81,511
ISHARES TR MSCI EAFE ETF 464287465 14,433,230 138,928 SH SOLE 0 0 138,928
ISHARES TR RUS 2000 GRW ETF 464287648 7,639,801 21,406 SH SOLE 0 0 21,406
ISHARES TR EAFE VALUE ETF 464288877 7,587,785 95,878 SH SOLE 0 0 95,878
ISHARES TR RUS 2000 VAL ETF 464287630 5,363,596 25,608 SH SOLE 0 0 25,608
ISHARES TR RUS 1000 GRW ETF 464287614 3,893,206 31,081 SH SOLE 0 0 31,081
ISHARES TR MICRO-CAP ETF 464288869 3,880,430 20,998 SH SOLE 0 0 20,998
ISHARES TR RUS TOP 200 ETF 464289446 3,013,085 15,845 SH SOLE 0 0 15,845
ISHARES TR EAFE SML CP ETF 464288273 2,868,254 33,976 SH SOLE 0 0 33,976
ISHARES TR RUS MDCP VAL ETF 464287473 2,611,061 16,244 SH SOLE 0 0 16,244
ISHARES TR 1 3 YR TREAS BD 464287457 2,465,963 30,369 SH SOLE 0 0 30,369
ISHARES TR CORE MSCI EAFE 46432F842 1,355,448 13,991 SH SOLE 0 0 13,991
ISHARES TR CORE HIGH DV ETF 46429B663 1,183,016 42,311 SH SOLE 0 0 42,311
ISHARES TR S&P 500 VAL ETF 464287408 1,141,400 5,000 SH SOLE 0 0 5,000
ISHARES TR RUSSELL 2000 ETF 464287655 911,757 3,281 SH SOLE 0 0 3,281
ISHARES TR EAFE GRWTH ETF 464288885 857,983 7,160 SH SOLE 0 0 7,160
ISHARES TR 3 7 YR TREAS BD 464288661 602,140 5,308 SH SOLE 0 0 5,308
ISHARES TR INTL SEL DIV ETF 464288448 601,123 14,248 SH SOLE 0 0 14,248
ISHARES TR US INDUSTRIALS 464287754 521,458 3,400 SH SOLE 0 0 3,400
ISHARES TR CORE US AGGBD ET 464287226 423,067 4,475 SH SOLE 0 0 4,475
ISHARES TR CORE S&P500 ETF 464287200 408,198 533 SH SOLE 0 0 533
ISHARES TR MSCI EMG MKT ETF 464287234 367,345 5,500 SH SOLE 0 0 5,500
ISHARES TR CORE DIV GRWTH 46434V621 347,246 4,606 SH SOLE 0 0 4,606
ISHARES TR S&P SML 600 GWT 464287887 229,593 1,432 SH SOLE 0 0 1,432
JPMORGAN CHASE & CO COM 46625H100 315,612 954 SH SOLE 0 0 954
MCDONALDS CORP COM 580135101 334,863 1,450 SH SOLE 0 0 1,450
MERCK & CO INC COM 58933Y105 398,149 2,740 SH SOLE 0 0 2,740
MICROSOFT CORP COM 594918104 1,314,050 2,562 SH SOLE 0 0 2,562
ORACLE CORP COM 68389X105 329,520 2,400 SH SOLE 0 0 2,400
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 53,261,109 1,637,292 SH SOLE 0 0 1,637,292
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 32,273,517 989,075 SH SOLE 0 0 989,075
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 24,834,363 904,054 SH SOLE 0 0 904,054
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 24,124,967 724,256 SH SOLE 0 0 724,256
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 22,668,479 666,328 SH SOLE 0 0 666,328
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,864,315 274,542 SH SOLE 0 0 274,542
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 3,537,995 112,675 SH SOLE 0 0 112,675
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,923,643 99,749 SH SOLE 0 0 99,749
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,794,095 56,174 SH SOLE 0 0 56,174
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,670,431 45,828 SH SOLE 0 0 45,828
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,230,720 41,024 SH SOLE 0 0 41,024
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 654,241 27,420 SH SOLE 0 0 27,420
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 403,327 17,018 SH SOLE 0 0 17,018
SPDR SERIES TRUST ST STR P500ETF 78464A854 567,822 6,326 SH SOLE 0 0 6,326
TRANE TECHNOLOGIES PLC SHS G8994E103 352,544 780 SH SOLE 0 0 780
UNITED PARCEL SVCS INC CL B 911312106 675,571 7,230 SH SOLE 0 0 7,230
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 56,779,558 262,771 SH SOLE 0 0 262,771
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 26,437,586 92,929 SH SOLE 0 0 92,929
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 24,403,988 270,824 SH SOLE 0 0 270,824
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 12,571,040 160,304 SH SOLE 0 0 160,304
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 10,759,991 46,574 SH SOLE 0 0 46,574
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 2,999,255 8,878 SH SOLE 0 0 8,878
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 1,381,615 7,066 SH SOLE 0 0 7,066
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 438,235 1,171 SH SOLE 0 0 1,171
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 285,250 407 SH SOLE 0 0 407
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,829,413 50,431 SH SOLE 0 0 50,431
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,991,003 50,430 SH SOLE 0 0 50,430
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,056,457 12,733 SH SOLE 0 0 12,733
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,272,709 22,111 SH SOLE 0 0 22,111
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 831,316 14,672 SH SOLE 0 0 14,672
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 55,394,327 237,428 SH SOLE 0 0 237,428
VANGUARD STAR FDS VG TL INTL STK F 921909768 217,837 2,564 SH SOLE 0 0 2,564
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 55,509,416 786,141 SH SOLE 0 0 786,141
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 513,557 3,309 SH SOLE 0 0 3,309
VANGUARD WORLD FD ENERGY ETF 92204A306 1,670,985 9,706 SH SOLE 0 0 9,706
WISDOMTREE TR US AI ENHANCED 97717W406 11,160,384 87,229 SH SOLE 0 0 87,229