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
ABBOTT LABORATORIES COM 002824100 205,674 2,065 SH DFND 1.0 0 0 2,065
ABBVIE INC COM 00287Y109 412,694 1,493 SH DFND 1.0 0 0 1,493
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 201,427 3,497 SH SOLE 0 0 3,497
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 333,487 1,595 SH DFND 1.0 0 0 1,595
ADVANCED MICRO DEVICES INC COM 007903107 394,657 649 SH DFND 1.0 0 0 649
AFLAC INC COM 001055102 222,666 1,944 SH DFND 1.0 0 0 1,944
AIR PRODUCTS AND CHEMICALS I COM 009158106 379,701 1,350 SH SOLE 0 0 1,350
ALPHABET INC CAP STK CL C 02079K107 795,208 2,286 SH DFND 1.0 0 0 2,286
ALPHABET INC CAP STK CL A 02079K305 1,513,940 4,305 SH DFND 1.0 0 0 4,305
AMAZON COM INC COM 023135106 743,034 2,831 SH DFND 1.0 0 0 2,831
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 12,303,299 130,740 SH DFND 1.0 0 0 130,740
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 20,671,581 230,201 SH DFND 1.0 0 0 230,201
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 15,783,884 145,450 SH DFND 1.0 0 0 145,450
AMERICAN CENTY ETF TR US EQT ETF 025072885 24,943,632 191,112 SH DFND 1.0 0 0 191,112
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232 208,699 2,096 SH SOLE 0 0 2,096
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281 543,317 6,091 SH SOLE 0 0 6,091
AMERICAN CENTY ETF TR AVAN RE INTL ETF 025072299 1,342,096 17,010 SH SOLE 0 0 17,010
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 353,693 7,925 SH SOLE 0 0 7,925
AMERICAN CENTY ETF TR US SML CP VALU 025072877 12,174,157 101,757 SH SOLE 0 0 101,757
APPLE INC COM 037833100 2,470,562 7,339 SH DFND 1.0 0 0 7,339
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 232,947 452 SH DFND 1.0 0 0 452
BROADCOM INC COM 11135F101 594,372 1,644 SH DFND 1.0 0 0 1,644
CHEVRON CORPORATION COM 166764100 279,447 1,318 SH DFND 1.0 0 0 1,318
CHUBB LIMITED COM H1467J104 215,638 632 SH DFND 1.0 0 0 632
CISCO SYS INC COM 17275R102 285,319 2,410 SH DFND 1.0 0 0 2,410
CMS ENERGY CORP COM 125896100 239,487 3,657 SH DFND 1.0 0 0 3,657
DELL TECHNOLOGIES INC CL C 24703L202 201,231 343 SH DFND 1.0 0 0 343
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 23,994,516 599,728 SH DFND 1.0 0 0 599,728
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 63,247,229 1,685,271 SH DFND 1.0 0 0 1,685,271
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 869,309 17,173 SH SOLE 0 0 17,173
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 399,699 8,357 SH SOLE 0 0 8,357
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 5,615,916 206,543 SH SOLE 0 0 206,543
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 988,761 20,467 SH SOLE 0 0 20,467
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 2,250,576 49,997 SH SOLE 0 0 49,997
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,456,386 30,272 SH SOLE 0 0 30,272
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 23,297,512 546,320 SH SOLE 0 0 546,320
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 232,436 5,030 SH SOLE 0 0 5,030
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 6,299,583 160,663 SH SOLE 0 0 160,663
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 2,638,357 56,532 SH SOLE 0 0 56,532
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 8,579,864 231,388 SH SOLE 0 0 231,388
DISNEY WALT CO COM 254687106 206,376 1,910 SH DFND 1.0 0 0 1,910
ELI LILLY & CO COM 532457108 434,206 368 SH DFND 1.0 0 0 368
ENTERPRISE PRODS PARTNERS L COM 293792107 215,145 5,963 SH SOLE 0 0 5,963
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 433,779 2,568 SH DFND 1.0 0 0 2,568
FIFTH THIRD BANCORP COM 316773100 267,784 5,288 SH DFND 1.0 0 0 5,288
GILEAD SCIENCES INC COM 375558103 1,087,063 7,191 SH DFND 1.0 0 0 7,191
GLOBAL X FDS US INFR DEV ETF 37954Y673 632,647 11,850 SH DFND 1.0 0 0 11,850
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 500,332 12,862 SH SOLE 0 0 12,862
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 265,343 4,176 SH SOLE 0 0 4,176
HOME DEPOT INC COM 437076102 213,186 733 SH DFND 1.0 0 0 733
HUNTINGTON BANCSHARES INC COM 446150104 171,661 11,205 SH DFND 1.0 0 0 11,205
ILLINOIS TOOL WKS INC COM 452308109 4,761,740 18,028 SH DFND 1.0 0 0 18,028
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 1,008,714 6,666 SH DFND 1.0 0 0 6,666
INVESCO QQQ TR UNIT SER 1 46090E103 1,518,677 2,021 SH DFND 1.0 0 0 2,021
ISHARES INC MSCI CDA ETF 464286509 1,016,185 17,215 SH SOLE 0 0 17,215
ISHARES INC MSCI SWITZERLAND 464286749 428,896 7,178 SH SOLE 0 0 7,178
ISHARES INC MSCI SWEDEN ETF 464286756 243,739 4,807 SH SOLE 0 0 4,807
ISHARES INC MSCI GERMANY ETF 464286806 321,832 7,857 SH SOLE 0 0 7,857
ISHARES TR GLOBAL 100 ETF 464287572 216,576 1,488 SH DFND 1.0 0 0 1,488
ISHARES TR RUS TP200 GR ETF 464289438 236,345 786 SH DFND 1.0 0 0 786
ISHARES TR SELECT DIVID ETF 464287168 418,779 2,713 SH SOLE 0 0 2,713
ISHARES TR CORE S&P500 ETF 464287200 4,043,010 5,170 SH SOLE 0 0 5,170
ISHARES TR S&P 500 GRWT ETF 464287309 1,479,560 10,187 SH SOLE 0 0 10,187
ISHARES TR S&P 500 VAL ETF 464287408 840,969 3,609 SH SOLE 0 0 3,609
ISHARES TR 1 3 YR TREAS BD 464287457 583,828 7,190 SH SOLE 0 0 7,190
ISHARES TR MSCI EAFE ETF 464287465 1,512,949 14,632 SH SOLE 0 0 14,632
ISHARES TR RUS MD CP GR ETF 464287481 240,837 1,683 SH SOLE 0 0 1,683
ISHARES TR RUS 1000 GRW ETF 464287614 1,065,234 8,328 SH SOLE 0 0 8,328
ISHARES TR RUS 1000 ETF 464287622 1,159,875 2,727 SH SOLE 0 0 2,727
ISHARES TR CORE S&P SCP ETF 464287804 999,301 7,265 SH SOLE 0 0 7,265
ISHARES TR SHRT NAT MUN ETF 464288158 221,107 2,110 SH SOLE 0 0 2,110
ISHARES TR MSCI ACWI ETF 464288257 553,496 3,440 SH SOLE 0 0 3,440
ISHARES TR NATIONAL MUN ETF 464288414 264,627 2,618 SH SOLE 0 0 2,618
ISHARES TR 0-5 YR TIPS ETF 46429B747 428,156 4,276 SH SOLE 0 0 4,276
ISHARES TR CORE MSCI EAFE 46432F842 552,674 5,726 SH SOLE 0 0 5,726
ISHARES TR CORE MSCI INTL 46435G326 210,536 2,360 SH SOLE 0 0 2,360
ISHARES TR MSCI UK ETF NEW 46435G334 941,844 20,246 SH SOLE 0 0 20,246
JOHNSON & JOHNSON COM 478160104 615,423 2,354 SH DFND 1.0 0 0 2,354
JPMORGAN CHASE & CO COM 46625H100 1,175,949 3,531 SH DFND 1.0 0 0 3,531
KLA CORP COM NEW 482480100 772,341 3,949 SH DFND 1.0 0 0 3,949
MARATHON PETE CORP COM 56585A102 2,016,394 4,431 SH DFND 1.0 0 0 4,431
MERCK & CO INC COM 58933Y105 202,628 1,392 SH DFND 1.0 0 0 1,392
META PLATFORMS INC CL A 30303M102 1,322,203 1,840 SH DFND 1.0 0 0 1,840
MICRON TECHNOLOGY INC COM 595112103 323,423 314 SH DFND 1.0 0 0 314
MICROSOFT CORP COM 594918104 2,837,760 5,304 SH DFND 1.0 0 0 5,304
NVIDIA CORPORATION COM 67066G104 2,835,969 12,369 SH DFND 1.0 0 0 12,369
ONEOK INC NEW COM 30609A109 287,482 3,201 SH SOLE 0 0 3,201
ORACLE CORP COM 68389X105 498,871 3,528 SH DFND 1.0 0 0 3,528
OXBRIDGE RE HLDGS LTD SHS G6856M106 64,375 63,113 SH SOLE 0 0 63,113
PACKAGING CORP AMER COM 695156109 224,978 976 SH DFND 1.0 0 0 976
PARKER-HANNIFIN CORP COM 701094104 285,774 297 SH DFND 1.0 0 0 297
PEPSICO INC COM 713448108 220,117 1,747 SH DFND 1.0 0 0 1,747
PFIZER INC COM 717081103 204,182 7,220 SH DFND 1.0 0 0 7,220
PHILLIPS 66 COM 718546104 382,498 1,375 SH DFND 1.0 0 0 1,375
PROCTER & GAMBLE CO COM 742718109 353,202 2,336 SH DFND 1.0 0 0 2,336
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 598,206 3,007 SH DFND 1.0 0 0 3,007
SPDR GOLD TR GOLD SHS 78463V107 466,880 1,214 SH SOLE 0 0 1,214
SPDR SERIES TRUST ST STR SP SEMI 78464A862 647,395 1,226 SH DFND 1.0 0 0 1,226
SPDR SERIES TRUST ST STR SP AERO 78464A631 279,819 1,225 SH SOLE 0 0 1,225
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,740,322 6,089 SH DFND 1.0 0 0 6,089
STRYKER CORPORATION COM 863667101 476,623 1,719 SH DFND 1.0 0 0 1,719
TESLA INC COM 88160R101 293,914 768 SH DFND 1.0 0 0 768
TEXAS INSTRS INC COM 882508104 424,221 1,495 SH DFND 1.0 0 0 1,495
TJX COS INC NEW COM 872540109 249,393 1,797 SH DFND 1.0 0 0 1,797
TRAVELERS COMPANIES INC COM 89417E109 543,159 1,473 SH DFND 1.0 0 0 1,473
UFP INDUSTRIES INC COM 90278Q108 2,083,446 28,075 SH SOLE 0 0 28,075
VALERO ENERGY CORP COM 91913Y100 352,639 813 SH DFND 1.0 0 0 813
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 386,353 3,553 SH DFND 1.0 0 0 3,553
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 411,218 5,068 SH SOLE 0 0 5,068
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 325,574 3,540 SH SOLE 0 0 3,540
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 288,973 1,310 SH SOLE 0 0 1,310
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 398,324 1,376 SH SOLE 0 0 1,376
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 440,030 3,341 SH SOLE 0 0 3,341
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 398,392 5,663 SH SOLE 0 0 5,663
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 208,156 552 SH DFND 1.0 0 0 552
VANGUARD WORLD FD INF TECH ETF 92204A702 847,370 6,619 SH DFND 1.0 0 0 6,619
VISA INC COM CL A 92826C839 285,233 740 SH DFND 1.0 0 0 740
WALMART INC COM 931142103 471,765 4,237 SH DFND 1.0 0 0 4,237