GEM Asset Management 13F-HR Quarterly holdings report by institutional manager

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
ABBOTT LABS	COM	002824100	397,573	3,612	SH		SOLE		0	0	3,612
ABBVIE INC	COM	00287Y109	715,586	4,618	SH		SOLE		0	0	4,618
AFLAC INC	COM	001055102	559,845	6,786	SH		SOLE		0	0	6,786
ALPHABET INC	CAP STK CL A	02079K305	1,263,356	9,044	SH		SOLE		0	0	9,044
AMAZON COM INC	COM	023135106	1,563,463	10,290	SH		SOLE		0	0	10,290
AMEREN CORP	COM	023608102	357,794	4,946	SH		SOLE		0	0	4,946
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	432,153	7,482	SH		SOLE		0	0	7,482
AMERICAN CENTY ETF TR	AVANTIS US SMALL	025072323	272,039	5,328	SH		SOLE		0	0	5,328
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	228,362	3,526	SH		SOLE		0	0	3,526
AMERICAN CENTY ETF TR	DIVERSIFIED MU	025072505	3,255,888	63,891	SH		SOLE		0	0	63,891
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	867,546	9,661	SH		SOLE		0	0	9,661
AMERICAN CENTY ETF TR	US EQT ETF	025072885	210,513	2,581	SH		SOLE		0	0	2,581
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	611,759	10,123	SH		SOLE		0	0	10,123
APPLE INC	COM	037833100	3,632,630	18,868	SH		SOLE		0	0	18,868
CHEVRON CORP NEW	COM	166764100	332,328	2,228	SH		SOLE		0	0	2,228
CISCO SYS INC	COM	17275R102	359,843	7,123	SH		SOLE		0	0	7,123
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	3,797,810	114,220	SH		SOLE		0	0	114,220
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	5,569,922	194,481	SH		SOLE		0	0	194,481
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	1,646,270	68,282	SH		SOLE		0	0	68,282
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	10,125,652	195,363	SH		SOLE		0	0	195,363
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	2,889,191	98,843	SH		SOLE		0	0	98,843
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,170,886	86,731	SH		SOLE		0	0	86,731
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	316,143	6,041	SH		SOLE		0	0	6,041
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	3,251,116	133,133	SH		SOLE		0	0	133,133
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	777,372	28,738	SH		SOLE		0	0	28,738
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	1,557,166	54,427	SH		SOLE		0	0	54,427
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	328,450	11,279	SH		SOLE		0	0	11,279
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	364,577	14,208	SH		SOLE		0	0	14,208
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	381,603	14,947	SH		SOLE		0	0	14,947
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	393,708	15,774	SH		SOLE		0	0	15,774
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	4,621,549	124,168	SH		SOLE		0	0	124,168
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	3,714,164	76,565	SH		SOLE		0	0	76,565
DTE ENERGY CO	COM	233331107	399,678	3,625	SH		SOLE		0	0	3,625
ELI LILLY & CO	COM	532457108	616,454	1,058	SH		SOLE		0	0	1,058
FORTINET INC	COM	34959E109	381,908	6,525	SH		SOLE		0	0	6,525
GRACO INC	COM	384109104	344,784	3,974	SH		SOLE		0	0	3,974
HUNTINGTON BANCSHARES INC	COM	446150104	386,488	30,384	SH		SOLE		0	0	30,384
INVESCO QQQ TR	UNIT SER 1	46090E103	448,734	1,096	SH		SOLE		0	0	1,096
ISHARES TR	CORE S&P MCP ETF	464287507	2,185,776	7,887	SH		SOLE		0	0	7,887
ISHARES TR	CORE S&P500 ETF	464287200	1,405,665	2,943	SH		SOLE		0	0	2,943
ISHARES TR	RUS 1000 GRW ETF	464287614	822,693	2,714	SH		SOLE		0	0	2,714
ISHARES TR	RUSSELL 2000 ETF	464287655	1,751,366	8,726	SH		SOLE		0	0	8,726
ISHARES TR	MSCI EAFE ETF	464287465	1,914,794	25,412	SH		SOLE		0	0	25,412
ISHARES TR	20 YR TR BD ETF	464287432	251,088	2,539	SH		SOLE		0	0	2,539
ISHARES TR	NATIONAL MUN ETF	464288414	836,730	7,718	SH		SOLE		0	0	7,718
ISHARES TR	EAFE SML CP ETF	464288273	1,093,835	17,671	SH		SOLE		0	0	17,671
ISHARES TR	MSCI USA VALUE	46432F388	493,280	4,876	SH		SOLE		0	0	4,876
ISHARES TR	US SML CAP EQT	46434V290	3,676,296	62,501	SH		SOLE		0	0	62,501
ISHARES TR	MSCI USA MIN VOL	46429B697	464,122	5,948	SH		SOLE		0	0	5,948
ISHARES TR	A RATE CP BD ETF	46429B291	381,190	7,920	SH		SOLE		0	0	7,920
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	470,153	9,360	SH		SOLE		0	0	9,360
JOHNSON & JOHNSON	COM	478160104	426,930	2,724	SH		SOLE		0	0	2,724
MCDONALDS CORP	COM	580135101	383,455	1,293	SH		SOLE		0	0	1,293
MICROSOFT CORP	COM	594918104	3,979,743	10,583	SH		SOLE		0	0	10,583
NORDSON CORP	COM	655663102	269,686	1,021	SH		SOLE		0	0	1,021
ORACLE CORP	COM	68389X105	428,678	4,066	SH		SOLE		0	0	4,066
PARSONS CORP DEL	COM	70202L102	1,066,070	17,000	SH		SOLE		0	0	17,000
PEPSICO INC	COM	713448108	509,520	3,000	SH		SOLE		0	0	3,000
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	257,112	4,559	SH		SOLE		0	0	4,559
SMITH A O CORP	COM	831865209	363,808	4,413	SH		SOLE		0	0	4,413
SOUTHERN CO	COM	842587107	268,560	3,830	SH		SOLE		0	0	3,830
SPDR S&P 500 ETF TR	TR UNIT	78462F103	12,483,711	26,264	SH		SOLE		0	0	26,264
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	1,381,909	2,724	SH		SOLE		0	0	2,724
SPDR SER TR	S&P DIVID ETF	78464A763	601,856	4,816	SH		SOLE		0	0	4,816
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	248,931	9,709	SH		SOLE		0	0	9,709
SYSCO CORP	COM	871829107	33,797,081	462,151	SH		SOLE		0	0	462,151
UNITEDHEALTH GROUP INC	COM	91324P102	228,488	434	SH		SOLE		0	0	434
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	229,127	966	SH		SOLE		0	0	966
VANGUARD INDEX FDS	VALUE ETF	922908744	225,300	1,507	SH		SOLE		0	0	1,507
VANGUARD INDEX FDS	MID CAP ETF	922908629	2,732,004	11,743	SH		SOLE		0	0	11,743
VANGUARD INDEX FDS	SMALL CP ETF	922908751	413,333	1,938	SH		SOLE		0	0	1,938
VANGUARD INDEX FDS	GROWTH ETF	922908736	299,515	963	SH		SOLE		0	0	963
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,098,885	2,516	SH		SOLE		0	0	2,516
VANGUARD SCOTTSDALE FDS	VNG RUS2000IDX	92206C664	506,634	6,247	SH		SOLE		0	0	6,247
VANGUARD SCOTTSDALE FDS	VNG RUS1000GRW	92206C680	1,955,765	25,067	SH		SOLE		0	0	25,067
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	431,911	9,017	SH		SOLE		0	0	9,017
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	221,531	3,475	SH		SOLE		0	0	3,475
VISA INC	COM CL A	92826C839	963,295	3,700	SH		SOLE		0	0	3,700