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
AMAZON COM INC COM 023135106 402,876 1,617 SH SOLE 0 0 1,617
APPLE INC COM 037833100 622,414 1,869 SH SOLE 0 0 1,869
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,006,887 10,055 SH SOLE 0 0 10,055
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,241,015 3 SH SOLE 0 0 3
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 563,650 11,316 SH SOLE 0 0 11,316
CAMBRIA ETF TR EMRG SHAREHLDR 132061706 5,405,028 113,551 SH SOLE 0 0 113,551
CHEVRON CORPORATION COM 166764100 496,639 2,432 SH SOLE 0 0 2,432
CISCO SYS INC COM 17275R102 486,272 4,518 SH SOLE 0 0 4,518
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 3,075,973 46,297 SH SOLE 0 0 46,297
ELI LILLY & CO COM 532457108 554,241 479 SH SOLE 0 0 479
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 986,753 6,063 SH SOLE 0 0 6,063
FIDELITY COVINGTON TRUST ENH MID COR ETF 31609A503 6,462,981 160,054 SH SOLE 0 0 160,054
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 928,557 12,783 SH SOLE 0 0 12,783
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 4,097,687 100,978 SH SOLE 0 0 100,978
FIRST TR EXCHANGE-TRADED FD WCM INTL EQUITY 33733E732 2,971,977 155,764 SH SOLE 0 0 155,764
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C375 448,778 10,398 SH SOLE 0 0 10,398
INTERNATIONAL BUSINESS MACHS COM 459200101 317,139 1,442 SH SOLE 0 0 1,442
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 876,530 21,162 SH SOLE 0 0 21,162
ISHARES INC MSCI EMRG CHN 46434G764 2,647,418 26,720 SH SOLE 0 0 26,720
ISHARES TR MSCI USA MIN ETF 46429B697 5,273,382 54,119 SH SOLE 0 0 54,119
ISHARES TR MSCI USA MMENTM 46432F396 7,973,168 25,125 SH SOLE 0 0 25,125
ISHARES TR US TREAS BD ETF 46429B267 3,548,342 162,247 SH SOLE 0 0 162,247
ISHARES TR MSCI EAFE ETF 464287465 480,803 4,628 SH SOLE 0 0 4,628
ISHARES TR S&P 100 ETF 464287101 499,761 1,308 SH SOLE 0 0 1,308
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,124,228 42,014 SH SOLE 0 0 42,014
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 6,325,607 125,334 SH SOLE 0 0 125,334
JPMORGAN CHASE & CO COM 46625H100 889,602 2,689 SH SOLE 0 0 2,689
LISTED FDS TR HORI KI INFL ETF 53656F623 761,376 15,185 SH SOLE 0 0 15,185
LUMENTUM HLDGS INC COM 55024U109 485,630 500 SH SOLE 0 0 500
MICROSOFT CORP COM 594918104 1,197,621 2,335 SH SOLE 0 0 2,335
MORGAN STANLEY ETF TRUST CALVERT US LARCP 61774R205 1,121,768 11,853 SH SOLE 0 0 11,853
PFIZER INC COM 717081103 353,876 12,408 SH SOLE 0 0 12,408
PROCTER & GAMBLE CO COM 742718109 249,591 1,718 SH SOLE 0 0 1,718
PUBLIC SVC ENTERPRISE GROUP COM 744573106 440,942 6,548 SH SOLE 0 0 6,548
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 18,716,395 348,212 SH SOLE 0 0 348,212
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 756,716 27,547 SH SOLE 0 0 27,547
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 388,955 1,987 SH SOLE 0 0 1,987
SOUTHERN CO COM 842587107 255,218 3,079 SH SOLE 0 0 3,079
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 10,742,087 117,221 SH SOLE 0 0 117,221
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 246,329 323 SH SOLE 0 0 323
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 299,460 456 SH SOLE 0 0 456
VANECK ETF TRUST REAL ASSETS ETF 92189F130 5,263,933 132,160 SH SOLE 0 0 132,160
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 28,569,107 76,339 SH SOLE 0 0 76,339
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,769,512 37,363 SH SOLE 0 0 37,363
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 443,788 7,710 SH SOLE 0 0 7,710
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 1,381,583 14,012 SH SOLE 0 0 14,012
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 629,336 4,055 SH SOLE 0 0 4,055
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,672,544 27,484 SH SOLE 0 0 27,484