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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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 486,034 1,858 SH SOLE 1,858 0 0
ALPHABET INC CAP STK CL A 02079K305 755,600 2,196 SH SOLE 2,196 0 0
ALPHABET INC CAP STK CL C 02079K107 457,614 1,343 SH SOLE 1,343 0 0
ALTRIA GROUP INC COM 02209S103 250,572 3,721 SH SOLE 3,721 0 0
AMAZON COM INC COM 023135106 572,796 2,299 SH SOLE 2,299 0 0
APPLE INC COM 037833100 5,137,833 15,428 SH SOLE 15,428 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 800,704 1,608 SH SOLE 1,608 0 0
BROADCOM INC COM 11135F101 283,762 808 SH SOLE 808 0 0
CATERPILLAR INC COM 149123101 292,695 361 SH SOLE 361 0 0
CHEVRON CORPORATION COM 166764100 589,554 2,887 SH SOLE 2,887 0 0
CORNING INC COM 219350105 288,300 1,875 SH SOLE 1,875 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 314,978 346 SH SOLE 346 0 0
CSX CORP COM 126408103 588,072 12,644 SH SOLE 12,644 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 319,045 4,802 SH SOLE 4,802 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,929,610 37,840 SH SOLE 37,840 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 274,525 5,590 SH SOLE 5,590 0 0
GE AEROSPACE COM NEW 369604301 328,217 1,051 SH SOLE 1,051 0 0
GE VERNOVA INC COM 36828A101 315,563 332 SH SOLE 332 0 0
INTEL CORP COM 458140100 269,916 2,245 SH SOLE 2,245 0 0
INVESCO EXCH TRADED FD TR II FLOAT RATE ETF 46138G862 268,986 10,781 SH SOLE 10,781 0 0
ISHARES INC MSCI EMERG MRKT 464286533 215,041 2,904 SH SOLE 2,904 0 0
ISHARES INC MSCI EMRG CHN 46434G764 462,406 4,667 SH SOLE 4,667 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,591,317 140,290 SH SOLE 140,290 0 0
ISHARES TR CORE 40 MODE ETF 464289875 244,041 5,007 SH SOLE 5,007 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,869,163 17,992 SH SOLE 17,992 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 1,244,203 12,358 SH SOLE 12,358 0 0
ISHARES TR EAFE SML CP ETF 464288273 660,924 7,829 SH SOLE 7,829 0 0
ISHARES TR CORE 80 20 ETF 464289859 402,017 4,133 SH SOLE 4,133 0 0
ISHARES TR CORE S&P500 ETF 464287200 551,412 720 SH SOLE 720 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,199,335 16,669 SH SOLE 16,669 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 414,120 4,250 SH SOLE 4,250 0 0
JOHNSON & JOHNSON COM 478160104 519,552 1,963 SH SOLE 1,963 0 0
JPMORGAN CHASE & CO COM 46625H100 354,319 1,071 SH SOLE 1,071 0 0
LABCORP HOLDINGS INC COM SHS 504922105 264,975 860 SH SOLE 860 0 0
LOEWS CORP COM 540424108 783,225 7,500 SH SOLE 7,500 0 0
LOWES COS INC COM 548661107 532,414 2,889 SH SOLE 2,889 0 0
META PLATFORMS INC CL A 30303M102 385,796 532 SH SOLE 532 0 0
MICRON TECHNOLOGY INC COM 595112103 214,087 201 SH SOLE 201 0 0
MICROSOFT CORP COM 594918104 2,597,839 5,065 SH SOLE 5,065 0 0
NVIDIA CORPORATION COM 67066G104 968,142 4,239 SH SOLE 4,239 0 0
PGIM ETF TR ACTV HY BD ETF 69344A206 1,403,592 41,986 SH SOLE 41,986 0 0
PHILIP MORRIS INTL INC COM 718172109 836,746 4,385 SH SOLE 4,385 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 13,946,393 280,668 SH SOLE 280,668 0 0
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 2,925,764 59,214 SH SOLE 59,214 0 0
PIMCO ETF TR MTG BKD SECS ACT 72201R569 2,951,749 63,794 SH SOLE 63,794 0 0
RAYMOND JAMES FINL INC COM 754730109 269,582 1,706 SH SOLE 1,706 0 0
RTX CORPORATION COM 75513E101 489,745 2,638 SH SOLE 2,638 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,580,375 70,792 SH SOLE 70,792 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,095,838 33,687 SH SOLE 33,687 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 7,274,357 118,998 SH SOLE 118,998 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 363,012 476 SH SOLE 476 0 0
VANECK ETF TRUST IG FLOA RATE ETF 92189F486 4,083,559 159,576 SH SOLE 159,576 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 272,679 3,743 SH SOLE 3,743 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 14,265,373 158,311 SH SOLE 158,311 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,647,527 22,326 SH SOLE 22,326 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 7,675,276 97,874 SH SOLE 97,874 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 3,597,945 12,647 SH SOLE 12,647 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,848,564 8,555 SH SOLE 8,555 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 392,952 1,050 SH SOLE 1,050 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,251,851 15,088 SH SOLE 15,088 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,595,478 26,901 SH SOLE 26,901 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,039,250 38,810 SH SOLE 38,810 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,555,178 15,238 SH SOLE 15,238 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 202,651 2,870 SH SOLE 2,870 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,787,562 29,523 SH SOLE 29,523 0 0
WALMART INC COM 931142103 277,882 2,674 SH SOLE 2,674 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 237,002 4,393 SH SOLE 4,393 0 0