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
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OMB Number: 3235-0006
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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 747,046 3,073 SH SOLE 0 0 0 3,073
ALTRIA GROUP INC COM 02209S103 330,300 5,000 SH SOLE 0 0 0 5,000
AMAZON COM INC COM 023135106 863,569 3,933 SH SOLE 0 0 0 3,933
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 8,094,637 112,021 SH SOLE 0 1,342 0 110,679
APPLE INC COM 037833100 2,566,728 10,080 SH SOLE 0 0 0 10,080
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 3,084,303 81,466 SH SOLE 0 1,105 0 80,361
BLACKROCK ETF TRUST II ISHARES TOTAL RE 092528876 12,798,723 251,009 SH SOLE 0 551 0 250,458
BOSTON SCIENTIFIC CORP COM 101137107 308,413 3,159 SH SOLE 0 0 0 3,159
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 3,036,433 109,421 SH SOLE 0 93 0 109,328
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 767,570 15,928 SH SOLE 0 0 0 15,928
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 430,721 10,073 SH SOLE 0 0 0 10,073
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,568,602 34,279 SH SOLE 0 0 0 34,279
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 448,850 12,348 SH SOLE 0 0 0 12,348
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 11,098,672 287,754 SH SOLE 0 2,782 0 284,972
GLOBAL X FDS DEFENSE TECH ETF 37960A529 851,309 12,120 SH SOLE 0 117 0 12,003
HOME DEPOT INC COM 437076102 274,719 678 SH SOLE 0 0 0 678
INNOVATOR ETFS TRUST EQUITY DEFINED P 45783Y111 529,200 20,000 SH SOLE 0 0 0 20,000
ISHARES GOLD TR ISHARES NEW 464285204 3,297,645 45,316 SH SOLE 0 392 0 44,924
ISHARES INC MSCI JPN ETF NEW 46434G822 224,107 2,794 SH SOLE 0 0 0 2,794
ISHARES INC MSCI EURZONE ETF 464286608 531,383 8,579 SH SOLE 0 0 0 8,579
ISHARES INC MSCI EMRG CHN 46434G764 6,644,874 98,428 SH SOLE 0 1,144 0 97,284
ISHARES TR US INFRASTRUC 46435U713 2,516,556 47,644 SH SOLE 0 432 0 47,212
ISHARES TR MSCI USA MMENTM 46432F396 3,040,471 11,856 SH SOLE 0 135 0 11,721
ISHARES TR MSCI USA QLT FCT 46432F339 11,022,510 56,671 SH SOLE 0 533 0 56,138
ISHARES TR CORE DIV GRWTH 46434V621 207,236 3,044 SH SOLE 0 0 0 3,044
ISHARES TR CORE S&P MCP ETF 464287507 449,707 6,891 SH SOLE 0 0 0 6,891
ISHARES TR CORE S&P500 ETF 464287200 3,272,877 4,890 SH SOLE 0 0 0 4,890
ISHARES TR S&P 500 GRWT ETF 464287309 11,749,919 97,332 SH SOLE 0 972 0 96,360
ISHARES TR U.S. TECH ETF 464287721 5,058,085 25,825 SH SOLE 0 245 0 25,580
ISHARES TR S&P 100 ETF 464287101 5,967,156 17,928 SH SOLE 0 226 0 17,702
ISHARES TR EAFE VALUE ETF 464288877 9,846,271 145,161 SH SOLE 0 1,575 0 143,586
ISHARES TR EAFE GRWTH ETF 464288885 3,469,002 30,462 SH SOLE 0 165 0 30,297
J P MORGAN EXCHANGE TRADED F USD EMRNG MKT 46641Q746 1,086,951 26,933 SH SOLE 0 0 0 26,933
META PLATFORMS INC CL A 30303M102 354,706 483 SH SOLE 0 0 0 483
MICROSOFT CORP COM 594918104 1,791,398 3,459 SH SOLE 0 0 0 3,459
NVIDIA CORPORATION COM 67066G104 869,158 4,658 SH SOLE 0 0 0 4,658
ORACLE CORP COM 68389X105 201,087 715 SH SOLE 0 0 0 715
PHILIP MORRIS INTL INC COM 718172109 1,622,324 10,002 SH SOLE 0 0 0 10,002
PRIMERICA INC COM 74164M108 211,801 763 SH SOLE 0 0 0 763
PROCORE TECHNOLOGIES INC COM 74275K108 656,280 9,000 SH SOLE 0 0 0 9,000
PROGRESSIVE CORP COM 743315103 326,962 1,324 SH SOLE 0 0 0 1,324
REGIONS FINANCIAL CORP NEW COM 7591EP100 205,027 7,775 SH SOLE 0 0 0 7,775
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 7,350,945 313,206 SH SOLE 0 0 0 313,206
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,240,418 26,499 SH SOLE 0 137 0 26,362
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 16,237,816 207,274 SH SOLE 0 1,544 0 205,730
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 948,522 17,143 SH SOLE 0 0 0 17,143
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 934,528 8,942 SH SOLE 0 0 0 8,942
TELEDYNE TECHNOLOGIES INC COM 879360105 225,039 384 SH SOLE 0 0 0 384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 411,786 5,218 SH SOLE 0 0 0 5,218
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 490,505 9,917 SH SOLE 0 0 0 9,917
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,411,196 2,304 SH SOLE 0 0 0 2,304
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 320,664 5,918 SH SOLE 0 0 0 5,918
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,720,466 100,521 SH SOLE 0 118 0 100,403
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,251,024 74,763 SH SOLE 0 69 0 74,694
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 849,900 14,184 SH SOLE 0 0 0 14,184
WISDOMTREE TR EUROPE DEFENSE F 97717Y337 851,515 25,275 SH SOLE 0 247 0 25,028