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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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
ISHARES TR S&P 500 VAL ETF 464287408   11,701,389 67,292 SH   SOLE   0 0 67,292
ISHARES TR CORE S&P500 ETF 464287200   5,186,882 10,860 SH   SOLE   0 0 10,860
ISHARES TR MSCI EAFE ETF 464287465   4,896,298 64,981 SH   SOLE   0 0 64,981
ISHARES TR 1 3 YR TREAS BD 464287457   10,020,666 122,144 SH   SOLE   0 0 122,144
VANGUARD INDEX FDS TOTAL STK MKT 922908769   95,053,910 400,699 SH   SOLE   551 0 400,149
ISHARES TR MSCI EMG MKT ETF 464287234   2,906,453 72,282 SH   SOLE   0 0 72,282
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,111,675 586,659 SH   SOLE   838 0 585,821
ISHARES TR CORE US AGGBD ET 464287226   68,220,218 687,357 SH   SOLE   0 0 687,357
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   35,182,867 488,447 SH   SOLE   699 0 487,748
VANGUARD INDEX FDS VALUE ETF 922908744   85,996,448 575,227 SH   SOLE   770 0 574,457
VANGUARD INDEX FDS SM CP VAL ETF 922908611   108,437,519 602,531 SH   SOLE   459 0 602,072
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   43,093,589 487,705 SH   SOLE   685 0 487,019
VANGUARD INDEX FDS SMALL CP ETF 922908751   94,249,730 441,803 SH   SOLE   419 0 441,384
ISHARES TR MICRO-CAP ETF 464288869   5,711,553 49,225 SH   SOLE   0 0 49,225
ISHARES TR EAFE VALUE ETF 464288877   9,358,954 179,634 SH   SOLE   0 0 179,634
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   35,466,511 550,039 SH   SOLE   773 0 549,265
WISDOMTREE TR US HIGH DIVIDEND 97717W208   260,099 3,165 SH   SOLE   0 0 3,165
ISHARES TR CORE S&P TTL STK 464287150   534,741 5,082 SH   SOLE   0 0 5,082
VANGUARD INDEX FDS LARGE CAP ETF 922908637   670,819 3,075 SH   SOLE   0 0 3,075
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   47,122,872 839,381 SH   SOLE   1,187 0 838,195
ISHARES TR IBOXX HI YD ETF 464288513   529,314 6,840 SH   SOLE   0 0 6,840
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   62,453,278 810,871 SH   SOLE   230 0 810,641
VANGUARD BD INDEX FDS INTERMED TERM 921937819   88,872,948 1,163,563 SH   SOLE   715 0 1,162,848
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   92,193,156 1,253,476 SH   SOLE   753 0 1,252,723
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   814,345 25,641 SH   SOLE   0 0 25,641
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   261,673 2,344 SH   SOLE   0 0 2,344
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   35,366,656 738,344 SH   SOLE   1,040 0 737,303
ISHARES TR NATIONAL MUN ETF 464288414   1,300,113 11,993 SH   SOLE   0 0 11,993
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   36,815,086 320,048 SH   SOLE   454 0 319,594
WISDOMTREE TR EMG MKTS SMCAP 97717W281   10,067,399 201,671 SH   SOLE   0 0 201,671
SPDR SER TR PORTFLI TIPS ETF 78464A656   394,973 15,447 SH   SOLE   0 0 15,447
ISHARES TR EAFE SML CP ETF 464288273   3,143,279 50,780 SH   SOLE   0 0 50,780
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   2,877,053 65,821 SH   SOLE   0 0 65,821
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,046,165 19,889 SH   SOLE   3 0 19,886
ISHARES TR GRWT ALLOCAT ETF 464289867   364,853 6,859 SH   SOLE   0 0 6,859
ISHARES TR SHRT NAT MUN ETF 464288158   2,778,382 26,353 SH   SOLE   0 0 26,353
ISHARES TR AGGRES ALLOC ETF 464289859   785,543 11,376 SH   SOLE   0 0 11,376
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   391,091 4,812 SH   SOLE   0 0 4,812
ISHARES TR RUS TOP 200 ETF 464289446   737,891 6,411 SH   SOLE   0 0 6,411
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   28,245,761 365,074 SH   SOLE   231 0 364,843
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   18,711,970 320,795 SH   SOLE   0 0 320,795
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   82,558,348 189,007 SH   SOLE   266 0 188,741
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   413,744 9,715 SH   SOLE   0 0 9,715
WISDOMTREE TR FUTRE STRAT FD 97717W125   3,397,493 96,877 SH   SOLE   0 0 96,877
SCHWAB STRATEGIC TR US REIT ETF 808524847   467,532 22,575 SH   SOLE   0 0 22,575
VANGUARD STAR FDS VG TL INTL STK F 921909768   36,188,299 624,367 SH   SOLE   865 0 623,502
FLEXSHARES TR MORNSTAR USMKT 33939L100   22,287,405 122,139 SH   SOLE   0 0 122,139
ISHARES INC CORE MSCI EMKT 46434G103   273,322 5,404 SH   SOLE   0 0 5,404
ISHARES TR CORE MSCI EAFE 46432F842   474,790 6,749 SH   SOLE   0 0 6,749
FLEXSHARES TR M STAR DEV MKT 33939L803   16,148,786 236,481 SH   SOLE   0 0 236,481
FLEXSHARES TR MSTAR EMKT FAC 33939L308   3,338,785 65,431 SH   SOLE   0 0 65,431
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   27,912,046 587,746 SH   SOLE   370 0 587,375
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   28,482,393 576,975 SH   SOLE   363 0 576,612
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   25,257,319 404,182 SH   SOLE   0 0 404,182
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   9,387,610 389,366 SH   SOLE   0 0 389,366
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   405,707 7,828 SH   SOLE   0 0 7,828
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   41,206,325 1,409,727 SH   SOLE   0 0 1,409,727
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,242,822 54,392 SH   SOLE   0 0 54,392
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,328,567 63,607 SH   SOLE   0 0 63,607
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   32,248,834 1,127,187 SH   SOLE   0 0 1,127,187
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   12,122,981 472,447 SH   SOLE   0 0 472,447
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,303,227 50,542 SH   SOLE   0 0 50,542
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   30,976,313 1,213,330 SH   SOLE   0 0 1,213,330
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   21,788,253 901,459 SH   SOLE   0 0 901,459
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   423,520 11,379 SH   SOLE   0 0 11,379