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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AON PLC SHS CL A G0403H108   345,200 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100   1,557,859 8,031 SH   SOLE   0 0 8,031
BLACKROCK CORE BD TR SHS BEN INT 09249E101   3,594,809 337,858 SH   SOLE   0 0 337,858
BOOKING HOLDINGS INC COM 09857L108   224,127 83 SH   SOLE   0 0 83
CHEVRON CORP NEW COM 166764100   377,976 2,402 SH   SOLE   0 0 2,402
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,822,336 58,804 SH   SOLE   0 0 58,804
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   170,645,635 6,246,180 SH   SOLE   0 0 6,246,180
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   60,056 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   13,919 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   3,445 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   30,843 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   60,481 2,492 SH   SOLE   0 0 2,492
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   20,236 616 SH   SOLE   0 0 616
DOW INC COM 260557103   28,321,325 531,756 SH   SOLE   0 0 531,756
DUPONT DE NEMOURS INC COM 26614N102   2,758,013 38,606 SH   SOLE   0 0 38,606
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   207,010 16,300 SH   SOLE   0 0 16,300
EXXON MOBIL CORP COM 30231G102   315,674 2,943 SH   SOLE   0 0 2,943
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   275,591 84,537 SH   SOLE   0 0 84,537
GABELLI EQUITY TR INC COM 362397101   70,944 12,232 SH   SOLE   0 0 12,232
GENERAL ELECTRIC CO COM NEW 369604301   278,003 2,531 SH   SOLE   0 0 2,531
INVESCO QQQ TR UNIT SER 1 46090E103   258,539 700 SH   SOLE   0 0 700
ISHARES INC MSCI WORLD ETF 464286392   996 8 SH   SOLE   0 0 8
ISHARES INC MSCI GBL MIN VOL 464286525   2,007,382 20,472 SH   SOLE   0 0 20,472
ISHARES INC CORE MSCI EMKT 46434G103   421,380 8,549 SH   SOLE   0 0 8,549
ISHARES INC EMNG MKTS EQT 46434G889   16,544 398 SH   SOLE   0 0 398
ISHARES TR CORE S&P TTL STK 464287150   125,625 1,284 SH   SOLE   0 0 1,284
ISHARES TR CORE S&P500 ETF 464287200   21,206 48 SH   SOLE   0 0 48
ISHARES TR CORE US AGGBD ET 464287226   17,810,934 181,837 SH   SOLE   0 0 181,837
ISHARES TR IBOXX INV CP ETF 464287242   500,472 4,628 SH   SOLE   0 0 4,628
ISHARES TR S&P 500 GRWT ETF 464287309   296,932 4,213 SH   SOLE   0 0 4,213
ISHARES TR 20 YR TR BD ETF 464287432   221,527 2,152 SH   SOLE   0 0 2,152
ISHARES TR RUS MDCP VAL ETF 464287473   79,636 725 SH   SOLE   0 0 725
ISHARES TR RUS MD CP GR ETF 464287481   65,208 675 SH   SOLE   0 0 675
ISHARES TR RUS MID CAP ETF 464287499   4,660 64 SH   SOLE   0 0 64
ISHARES TR CORE S&P MCP ETF 464287507   30,593 117 SH   SOLE   0 0 117
ISHARES TR ISHARES BIOTECH 464287556   16,124 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 GRW ETF 464287614   73,436 267 SH   SOLE   0 0 267
ISHARES TR RUS 1000 ETF 464287622   43,085 177 SH   SOLE   0 0 177
ISHARES TR RUS 2000 GRW ETF 464287648   33,858 140 SH   SOLE   0 0 140
ISHARES TR RUSSELL 2000 ETF 464287655   52,316 279 SH   SOLE   0 0 279
ISHARES TR CORE S&P US VLU 464287663   603,619 7,713 SH   SOLE   0 0 7,713
ISHARES TR CORE S&P SCP ETF 464287804   10,574 106 SH   SOLE   0 0 106
ISHARES TR US CONSM STAPLES 464287812   84,529 422 SH   SOLE   0 0 422
ISHARES TR SP SMCP600VL ETF 464287879   377,317 3,968 SH   SOLE   0 0 3,968
ISHARES TR MSCI ACWI EX US 464288240   8,046 163 SH   SOLE   0 0 163
ISHARES TR MSCI ACWI ETF 464288257   1,807,701 18,842 SH   SOLE   0 0 18,842
ISHARES TR IBOXX HI YD ETF 464288513   27,851 371 SH   SOLE   0 0 371
ISHARES TR MSCI USA QLT FCT 46432F339   170,071 1,261 SH   SOLE   0 0 1,261
ISHARES TR CORE MSCI EAFE 46432F842   13,483,463 199,755 SH   SOLE   0 0 199,755
ISHARES TR INTERNATIONAL SL 46434V266   223,755 7,253 SH   SOLE   0 0 7,253
ISHARES TR US SML CAP EQT 46434V290   236,464 4,410 SH   SOLE   0 0 4,410
ISHARES TR GLOBAL EQUITY 46434V316   746,747 21,103 SH   SOLE   0 0 21,103
ISHARES TR MSCI INTL QUALTY 46434V456   140,905 3,958 SH   SOLE   0 0 3,958
ISHARES TR YLD OPTIM BD 46434V787   415,039 18,917 SH   SOLE   0 0 18,917
ISHARES TR ESG AWR MSCI USA 46435G425   538,759 5,528 SH   SOLE   0 0 5,528
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   149,299 2,875 SH   SOLE   0 0 2,875
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   174,695 3,460 SH   SOLE   0 0 3,460
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   251 5 SH   SOLE   0 0 5
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   527,605 11,322 SH   SOLE   0 0 11,322
JPMORGAN CHASE & CO COM 46625H100   278,445 1,915 SH   SOLE   0 0 1,915
LILLY ELI & CO COM 532457108   2,627,195 5,602 SH   SOLE   0 0 5,602
MCDONALDS CORP COM 580135101   201,737 676 SH   SOLE   0 0 676
MICROSOFT CORP COM 594918104   567,698 1,667 SH   SOLE   0 0 1,667
NVIDIA CORPORATION COM 67066G104   459,824 1,087 SH   SOLE   0 0 1,087
PEPSICO INC COM 713448108   341,334 1,843 SH   SOLE   0 0 1,843
PIMCO CORPORATE & INCOME OPP COM 72201B101   4,292,274 306,591 SH   SOLE   0 0 306,591
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   595,767 5,972 SH   SOLE   0 0 5,972
RPM INTL INC COM 749685103   7,902,880 88,074 SH   SOLE   0 0 88,074
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   28,097,451 543,471 SH   SOLE   0 0 543,471
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   28,385 542 SH   SOLE   0 0 542
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   145,628 1,943 SH   SOLE   0 0 1,943
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   788 18 SH   SOLE   0 0 18
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   443 18 SH   SOLE   0 0 18
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   857 32 SH   SOLE   0 0 32
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   597 18 SH   SOLE   0 0 18
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,453 45 SH   SOLE   0 0 45
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,715 34 SH   SOLE   0 0 34
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,706 47 SH   SOLE   0 0 47
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   131,224 1,807 SH   SOLE   0 0 1,807
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   891 25 SH   SOLE   0 0 25
SCHWAB STRATEGIC TR US REIT ETF 808524847   430 22 SH   SOLE   0 0 22
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   813,761 16,513 SH   SOLE   0 0 16,513
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,049 20 SH   SOLE   0 0 20
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   439 13 SH   SOLE   0 0 13
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   9,199 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   225,376 1,698 SH   SOLE   0 0 1,698
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   274,073 1,614 SH   SOLE   0 0 1,614
SELECT SECTOR SPDR TR ENERGY 81369Y506   482,387 5,943 SH   SOLE   0 0 5,943
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   39,879 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   45,718 426 SH   SOLE   0 0 426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   59,093 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107   269,009 1,509 SH   SOLE   0 0 1,509
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   2,336,576 22,421 SH   SOLE   0 0 22,421
SPDR S&P 500 ETF TR TR UNIT 78462F103   924,328 2,085 SH   SOLE   0 0 2,085
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   874,258 21,560 SH   SOLE   0 0 21,560
STEEL DYNAMICS INC COM 858119100   207,050 1,901 SH   SOLE   0 0 1,901
TESLA INC COM 88160R101   234,022 894 SH   SOLE   0 0 894
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   14,354,881 174,825 SH   SOLE   0 0 174,825
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   994,036 13,675 SH   SOLE   0 0 13,675
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   56,629 139 SH   SOLE   0 0 139
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   62,575,820 452,203 SH   SOLE   0 0 452,203
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,014 60 SH   SOLE   0 0 60
VANGUARD INDEX FDS MID CAP ETF 922908629   15,411 70 SH   SOLE   0 0 70
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,423 23 SH   SOLE   0 0 23
VANGUARD INDEX FDS GROWTH ETF 922908736   5,659 20 SH   SOLE   0 0 20
VANGUARD INDEX FDS SMALL CP ETF 922908751   109,753 552 SH   SOLE   0 0 552
VANGUARD INDEX FDS TOTAL STK MKT 922908769   32,825,244 149,016 SH   SOLE   0 0 149,016
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   201 5 SH   SOLE   0 0 5
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,159,472 42,890 SH   SOLE   0 0 42,890
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,030 148 SH   SOLE   0 0 148
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   358,158 2,205 SH   SOLE   0 0 2,205
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,667,202 29,729 SH   SOLE   0 0 29,729
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   611,311 13,238 SH   SOLE   0 0 13,238
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   20,806 107 SH   SOLE   0 0 107
VANGUARD WORLD FDS ENERGY ETF 92204A306   7,225 64 SH   SOLE   0 0 64
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   57,112 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   12,682 52 SH   SOLE   0 0 52
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   212,724 1,035 SH   SOLE   0 0 1,035
VANGUARD WORLD FDS INF TECH ETF 92204A702   526,613 1,191 SH   SOLE   0 0 1,191
VANGUARD WORLD FDS MATERIALS ETF 92204A801   3,639 20 SH   SOLE   0 0 20
VANGUARD WORLD FDS UTILITIES ETF 92204A876   3,412 24 SH   SOLE   0 0 24
WALMART INC COM 931142103   262,930 1,673 SH   SOLE   0 0 1,673
WISDOMTREE TR ARTIFICIAL INTEL 97717Y543   52,976 2,778 SH   SOLE   0 0 2,778
WISDOMTREE TR INTERNATIONL EFI 97717Y634   68,956,073 2,002,034 SH   SOLE   0 0 2,002,034
WISDOMTREE TR US EFFICIENT COR 97717Y790   7,711 208 SH   SOLE   0 0 208
ZIMMER BIOMET HOLDINGS INC COM 98956P102   238,582 1,639 SH   SOLE   0 0 1,639