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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   40,850,520 640,893 SH   SOLE   640,893 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   5,142,443 88,724 SH   SOLE   88,724 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   139,635,036 1,560,168 SH   SOLE   1,560,168 0 0
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   14,957,094 323,187 SH   SOLE   323,187 0 0
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109   19,966,719 431,433 SH   SOLE   431,433 0 0
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   3,410,643 80,668 SH   SOLE   80,668 0 0
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   51,465,026 1,247,637 SH   SOLE   1,247,637 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   23,824,548 275,492 SH   SOLE   275,492 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   80,941,768 519,157 SH   SOLE   519,157 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   72,449,543 307,263 SH   SOLE   307,263 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   9,580,062 81,993 SH   SOLE   81,993 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   298,264,247 1,831,415 SH   SOLE   1,831,415 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   40,180,276 961,941 SH   SOLE   961,941 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   39,983,764 626,214 SH   SOLE   626,214 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   80,520,378 1,108,638 SH   SOLE   1,108,638 0 0
ISHARES TR TIPS BD ETF 464287176   27,128,866 252,573 SH   SOLE   252,573 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   34,571,825 217,693 SH   SOLE   217,693 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   33,560,786 123,932 SH   SOLE   123,932 0 0
ISHARES TR EAFE VALUE ETC 464288877   2,687,523 49,403 SH   SOLE   49,403 0 0