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
ALPHABET INC CAP STK CL A 02079K305 987,854 2,871 SH SOLE 0 0 0 2,871
ALPHABET INC CAP STK CL C 02079K107 240,562 706 SH SOLE 0 0 0 706
ALTRIA GROUP INC COM 02209S103 336,700 5,000 SH SOLE 0 0 0 5,000
AMAZON COM INC COM 023135106 923,599 3,707 SH SOLE 0 0 0 3,707
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 10,525,309 116,379 SH SOLE 0 1,504 0 114,875
APPLE INC COM 037833100 3,007,916 9,032 SH SOLE 0 0 0 9,032
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 3,570,156 81,177 SH SOLE 0 1,397 0 79,780
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 224,738 4,762 SH SOLE 0 0 0 4,762
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 827,773 22,772 SH SOLE 0 0 0 22,772
BLACKROCK ETF TRUST II ISHA TOTA RE ETF 092528876 11,338,847 237,021 SH SOLE 0 437 0 236,584
BUNGE GLOBAL SA COM SHS H11356104 201,066 1,880 SH SOLE 0 0 0 1,880
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 2,994,106 114,148 SH SOLE 0 0 0 114,148
CITIZENS FINL GROUP INC COM 174610105 232,915 3,653 SH SOLE 0 0 0 3,653
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,813,432 34,634 SH SOLE 0 0 0 34,634
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 519,326 12,535 SH SOLE 0 0 0 12,535
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 233,502 5,940 SH SOLE 0 0 0 5,940
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 12,955,907 291,471 SH SOLE 0 2,958 0 288,513
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 737,697 15,874 SH SOLE 0 0 0 15,874
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 360,479 8,985 SH SOLE 0 0 0 8,985
EA SERIES TRUST CAMBRIA GLOBAL E 02072Q176 2,031,030 40,108 SH SOLE 0 0 0 40,108
GLOBAL X FDS DEFENSE TECH ETF 37960A529 227,237 3,782 SH SOLE 0 41 0 3,741
INNOVATOR ETFS TRUST EQUI DEFI 1 AUG 45783Y111 557,660 20,000 SH SOLE 0 0 0 20,000
ISHARES GOLD TR ISHARES NEW 464285204 3,530,043 45,199 SH SOLE 0 467 0 44,732
ISHARES INC MSCI EMRG CHN 46434G764 9,433,043 95,206 SH SOLE 0 1,283 0 93,923
ISHARES TR US INFRASTRUC 46435U713 2,656,324 48,270 SH SOLE 0 469 0 47,801
ISHARES TR MSCI USA QLT FCT 46432F339 12,346,192 55,553 SH SOLE 0 539 0 55,014
ISHARES TR EAFE VALUE ETF 464288877 11,305,560 142,855 SH SOLE 0 1,612 0 141,243
ISHARES TR EAFE GRWTH ETF 464288885 3,543,841 29,574 SH SOLE 0 0 0 29,574
ISHARES TR U.S. TECH ETF 464287721 6,716,827 25,356 SH SOLE 0 269 0 25,087
ISHARES TR S&P 100 ETF 464287101 6,340,429 16,595 SH SOLE 0 293 0 16,302
ISHARES TR S&P 500 GRWT ETF 464287309 14,070,894 98,910 SH SOLE 0 985 0 97,925
ISHARES TR PFD AND INCM SEC 464288687 224,031 7,594 SH SOLE 0 0 0 7,594
ISHARES TR US TREAS BD ETF 46429B267 333,231 15,237 SH SOLE 0 0 0 15,237
ISHARES TR MSCI USA MMENTM 46432F396 3,880,240 12,227 SH SOLE 0 135 0 12,092
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746 1,076,758 28,291 SH SOLE 0 0 0 28,291
META PLATFORMS INC CL A 30303M102 320,530 442 SH SOLE 0 0 0 442
MICROSOFT CORP COM 594918104 1,666,521 3,249 SH SOLE 0 0 0 3,249
NVIDIA CORPORATION COM 67066G104 600,085 2,628 SH SOLE 0 0 0 2,628
OLD DOMINION FREIGHT LINE IN COM 679580100 213,128 1,226 SH SOLE 0 0 0 1,226
PHILIP MORRIS INTL INC COM 718172109 1,908,582 10,002 SH SOLE 0 0 0 10,002
PRIMERICA INC COM 74164M108 207,834 763 SH SOLE 0 0 0 763
PROGRESSIVE CORP COM 743315103 264,735 1,277 SH SOLE 0 0 0 1,277
REGIONS FINANCIAL CORP NEW COM 7591EP100 208,992 7,775 SH SOLE 0 0 0 7,775
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,915,464 312,917 SH SOLE 0 374 0 312,543
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 208,338 1,381 SH SOLE 0 0 0 1,381
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,482,337 28,639 SH SOLE 0 0 0 28,639
SPDR SERIES TRUST ST STR P500ETF 78464A854 18,893,419 210,488 SH SOLE 0 1,231 0 209,257
TELEDYNE TECHNOLOGIES INC COM 879360105 233,015 384 SH SOLE 0 0 0 384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 354,500 4,640 SH SOLE 0 0 0 4,640
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 659,345 14,068 SH SOLE 0 0 0 14,068
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,481,677 2,114 SH SOLE 0 0 0 2,114
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 400,207 6,748 SH SOLE 0 0 0 6,748
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,683,288 105,456 SH SOLE 0 0 0 105,456
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,708,825 73,969 SH SOLE 0 157 0 73,812
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 800,523 11,337 SH SOLE 0 0 0 11,337
WISDOMTREE TR EUROP DEFEN FD 97717Y337 285,793 10,223 SH SOLE 0 92 0 10,131