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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 210,146 1,675 SH SOLE 0 0 1,675
ALPHABET INC CAP STK CL A 02079K305 1,038,248 3,611 SH SOLE 0 0 3,611
ALPHABET INC CAP STK CL C 02079K107 1,401,245 4,885 SH SOLE 0 0 4,885
ALTRIA GROUP INC COM 02209S103 327,904 4,969 SH SOLE 0 0 4,969
AMAZON COM INC COM 023135106 1,070,300 5,139 SH SOLE 0 0 5,139
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 14,693,277 147,139 SH SOLE 0 0 147,139
AMERICAN CENTY ETF TR US SML CP VALU 025072877 8,290,457 75,047 SH SOLE 0 0 75,047
AMGEN INC COM 031162100 294,498 837 SH SOLE 0 0 837
APPLE INC COM 037833100 4,503,181 17,744 SH SOLE 0 0 17,744
ASML HLDG NV N Y REGISTRY SHS N07059210 240,391 182 SH SOLE 0 0 182
BANCO BRADESCO S A SPONSORED ADR 059460402 45,797 13,920 SH SOLE 0 0 13,920
BANCO SANTANDER S.A. ADR 05964H105 168,151 14,907 SH SOLE 0 0 14,907
BANK AMERICA CORP COM 060505104 300,788 6,170 SH SOLE 0 0 6,170
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 236,725 494 SH SOLE 0 0 494
BRISTOL-MYERS SQUIBB CO COM 110122108 205,482 3,388 SH SOLE 0 0 3,388
BROADCOM INC COM 11135F101 1,342,654 4,338 SH SOLE 0 0 4,338
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 968,238 43,341 SH SOLE 0 0 43,341
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 1,191,206 43,875 SH SOLE 0 0 43,875
CATERPILLAR INC COM 149123101 230,250 325 SH SOLE 0 0 325
CEMEX SAB DE CV SPON ADR NEW 151290889 178,395 15,594 SH SOLE 0 0 15,594
CHEVRON CORP NEW COM 166764100 413,593 1,999 SH SOLE 0 0 1,999
CHUBB LIMITED COM H1467J104 210,551 646 SH SOLE 0 0 646
CISCO SYS INC COM 17275R102 407,115 5,247 SH SOLE 0 0 5,247
COCA COLA CO COM 191216100 203,890 2,681 SH SOLE 0 0 2,681
COMCAST CORP NEW CL A 20030N101 266,917 9,297 SH SOLE 0 0 9,297
COSTCO WHOLESALE CORPORATION COM 22160K105 226,195 227 SH SOLE 0 0 227
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,240,744 19,868 SH SOLE 0 0 19,868
DUKE ENERGY CORP NEW COM NEW 26441C204 322,374 2,462 SH SOLE 0 0 2,462
ELI LILLY & CO COM 532457108 337,556 367 SH SOLE 0 0 367
EXXON MOBIL CORP COM 30231G102 388,718 2,291 SH SOLE 0 0 2,291
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 224,344 7,104 SH SOLE 0 0 7,104
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 428,195 3,422 SH SOLE 0 0 3,422
HOME DEPOT INC COM 437076102 247,063 751 SH SOLE 0 0 751
HSBC HLDGS PLC SPON ADR NEW 404280406 262,731 3,185 SH SOLE 0 0 3,185
HUNTINGTON BANCSHARES INC COM 446150104 530,973 33,928 SH SOLE 0 0 33,928
INSPERITY INC COM 45778Q107 328,942 12,165 SH SOLE 0 0 12,165
INTERNATIONAL BUSINESS MACHS COM 459200101 839,684 3,464 SH SOLE 0 0 3,464
INVESCO QQQ TR UNIT SER 1 46090E103 68,563,870 118,791 SH SOLE 0 0 118,791
ISHARES INC CORE MSCI EMKT 46434G103 4,436,826 63,610 SH SOLE 0 0 63,610
ISHARES INC ESG AWR MSCI EM 46434G863 7,386,411 162,446 SH SOLE 0 0 162,446
ISHARES TR 20 YR TR BD ETF 464287432 3,721,223 42,926 SH SOLE 0 0 42,926
ISHARES TR 7-10 YR TRSY BD 464287440 546,203 5,723 SH SOLE 0 0 5,723
ISHARES TR COHEN STEER REIT 464287564 771,768 12,470 SH SOLE 0 0 12,470
ISHARES TR CORE INTL AGGR 46435G672 743,242 14,853 SH SOLE 0 0 14,853
ISHARES TR CORE S&P MCP ETF 464287507 807,584 11,959 SH SOLE 0 0 11,959
ISHARES TR CORE S&P SCP ETF 464287804 1,824,810 14,680 SH SOLE 0 0 14,680
ISHARES TR CORE S&P500 ETF 464287200 1,298,796 1,988 SH SOLE 0 0 1,988
ISHARES TR CORE US AGGBD ET 464287226 3,800,093 38,280 SH SOLE 0 0 38,280
ISHARES TR CRE U S REIT ETF 464288521 1,059,205 17,895 SH SOLE 0 0 17,895
ISHARES TR EAFE SML CP ETF 464288273 1,541,244 19,656 SH SOLE 0 0 19,656
ISHARES TR FALN ANGLS USD 46435G474 258,773 9,685 SH SOLE 0 0 9,685
ISHARES TR IBOXX INV CP ETF 464287242 1,372,457 12,593 SH SOLE 0 0 12,593
ISHARES TR ISHS 1-5YR INVS 464288646 301,011 5,727 SH SOLE 0 0 5,727
ISHARES TR MSCI ACWI ETF 464288257 4,553,596 32,909 SH SOLE 0 0 32,909
ISHARES TR MSCI INTL QUALTY 46434V456 6,028,091 130,393 SH SOLE 0 0 130,393
ISHARES TR NATIONAL MUN ETF 464288414 414,655 3,906 SH SOLE 0 0 3,906
ISHARES TR RUS 2000 GRW ETF 464287648 882,001 2,811 SH SOLE 0 0 2,811
ISHARES TR RUS MD CP GR ETF 464287481 3,352,158 26,164 SH SOLE 0 0 26,164
ISHARES TR RUS MDCP VAL ETF 464287473 1,009,339 6,926 SH SOLE 0 0 6,926
ISHARES TR S&P 500 GRWT ETF 464287309 692,346 6,121 SH SOLE 0 0 6,121
ISHARES TR S&P MC 400GR ETF 464287606 237,061 2,356 SH SOLE 0 0 2,356
ISHARES TR SHORT TREAS BD 464288679 461,320 4,179 SH SOLE 0 0 4,179
ISHARES TR SHRT NAT MUN ETF 464288158 1,211,438 11,375 SH SOLE 0 0 11,375
ISHARES TR SP SMCP600VL ETF 464287879 1,204,823 10,172 SH SOLE 0 0 10,172
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 878,128 17,225 SH SOLE 0 0 17,225
JOHNSON & JOHNSON COM 478160104 612,322 2,505 SH SOLE 0 0 2,505
JPMORGAN CHASE & CO COM 46625H100 712,750 2,423 SH SOLE 0 0 2,423
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 81,169 16,137 SH SOLE 0 0 16,137
LOWES COS INC COM 548661107 294,169 1,245 SH SOLE 0 0 1,245
MASTERCARD INCORPORATED CL A 57636Q104 250,330 501 SH SOLE 0 0 501
MEDTRONIC PLC SHS G5960L103 295,130 3,406 SH SOLE 0 0 3,406
MERCK & CO INC COM 58933Y105 456,380 3,794 SH SOLE 0 0 3,794
META PLATFORMS INC CL A 30303M102 762,411 1,333 SH SOLE 0 0 1,333
MICROSOFT CORP COM 594918104 1,000,366 2,702 SH SOLE 0 0 2,702
MORGAN STANLEY COM NEW 617446448 356,294 2,165 SH SOLE 0 0 2,165
NETFLIX INC. COM 64110L106 244,702 2,545 SH SOLE 0 0 2,545
NEXTERA ENERGY INC COM 65339F101 385,303 4,148 SH SOLE 0 0 4,148
NOVARTIS AG SPONSORED ADR 66987V109 518,892 3,397 SH SOLE 0 0 3,397
NVIDIA CORPORATION COM 67066G104 2,117,334 12,141 SH SOLE 0 0 12,141
PHILIP MORRIS INTL INC COM 718172109 359,118 2,172 SH SOLE 0 0 2,172
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,749,308 27,337 SH SOLE 0 0 27,337
PNC FINL SVCS GROUP INC COM 693475105 3,363,567 16,164 SH SOLE 0 0 16,164
PROLOGIS INC. COM 74340W103 334,415 2,530 SH SOLE 0 0 2,530
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,943,001 644,162 SH SOLE 0 0 644,162
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 35,407,369 1,154,086 SH SOLE 0 0 1,154,086
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 454,340 11,128 SH SOLE 0 0 11,128
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 7,538,729 16,276 SH SOLE 0 0 16,276
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,127,711 1,734 SH SOLE 0 0 1,734
SPDR SER TR BLOOMBERG HIGH Y 78468R622 319,417 3,337 SH SOLE 0 0 3,337
SPDR SER TR PRTFLO S&P500 GW 78464A409 8,831,397 90,199 SH SOLE 0 0 90,199
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,616,384 99,264 SH SOLE 0 0 99,264
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 249,502 12,633 SH SOLE 0 0 12,633
SYMBOTIC INC CLASS A COM 87151X101 212,800 4,000 SH SOLE 0 0 4,000
T ROWE PRICE ETF INC US HIGH YIELD 87283Q875 1,622,662 31,814 SH SOLE 0 0 31,814
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 690,770 2,044 SH SOLE 0 0 2,044
TESLA INC COM 88160R101 1,178,448 3,170 SH SOLE 0 0 3,170
US BANCORP DEL COM NEW 902973304 260,622 5,011 SH SOLE 0 0 5,011
VALE S A SPONSORED ADS 91912E105 234,816 14,759 SH SOLE 0 0 14,759
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,236,374 80,803 SH SOLE 0 0 80,803
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 472,386 6,025 SH SOLE 0 0 6,025
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 363,045 4,930 SH SOLE 0 0 4,930
VANGUARD INDEX FDS GROWTH ETF 922908736 9,971,875 22,830 SH SOLE 0 0 22,830
VANGUARD INDEX FDS LARGE CAP ETF 922908637 13,751,326 46,014 SH SOLE 0 0 46,014
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,439,978 9,481 SH SOLE 0 0 9,481
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,500,556 8,143 SH SOLE 0 0 8,143
VANGUARD INDEX FDS MID CAP ETF 922908629 2,987,988 10,405 SH SOLE 0 0 10,405
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,489,459 39,340 SH SOLE 0 0 39,340
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 205,792 344 SH SOLE 0 0 344
VANGUARD INDEX FDS SMALL CP ETF 922908751 424,612 1,621 SH SOLE 0 0 1,621
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,296,309 4,289 SH SOLE 0 0 4,289
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,422,617 4,434 SH SOLE 0 0 4,434
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 420,239 7,775 SH SOLE 0 0 7,775
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,067,118 14,179 SH SOLE 0 0 14,179
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,091,220 51,267 SH SOLE 0 0 51,267
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,432,949 28,722 SH SOLE 0 0 28,722
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 267,095 4,563 SH SOLE 0 0 4,563
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 205,167 954 SH SOLE 0 0 954
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 25,521,693 398,279 SH SOLE 0 0 398,279
VENU HLDG CORP COM 92333E104 238,621 72,091 SH SOLE 0 0 72,091
VERIZON COMMUNICATIONS INC COM 92343V104 257,275 5,125 SH SOLE 0 0 5,125
VICI PPTYS INC COM 925652109 207,468 7,594 SH SOLE 0 0 7,594
VISA INC COM CL A 92826C839 669,810 2,216 SH SOLE 0 0 2,216
WALMART INC COM 931142103 264,820 2,131 SH SOLE 0 0 2,131