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
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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   810,803 4,663 SH   SOLE   0 0 4,663
ISHARES TR MBS ETF 464288588   8,989,958 95,557 SH   SOLE   0 0 95,557
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,239,452 21,385 SH   SOLE   0 0 21,385
ISHARES TR RUS 1000 GRW ETF 464287614   1,639,989 5,409 SH   SOLE   0 0 5,409
INTEL CORP COM 458140100   209,681 4,173 SH   SOLE   0 0 4,173
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   17,139,386 89,754 SH   SOLE   0 0 89,754
MICROSOFT CORP COM 594918104   726,644 1,932 SH   SOLE   0 0 1,932
EXXON MOBIL CORP COM 30231G102   469,306 4,694 SH   SOLE   0 0 4,694
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   418,259 2,173 SH   SOLE   0 0 2,173
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   590,568 2,356 SH   SOLE   0 0 2,356
ALPHABET INC CAP STK CL C 02079K107   1,341,231 9,517 SH   SOLE   0 0 9,517
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,007,777 17,986 SH   SOLE   0 0 17,986
ISHARES TR CORE S&P500 ETF 464287200   762,231 1,596 SH   SOLE   0 0 1,596
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,112,802 294,715 SH   SOLE   0 0 294,715
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,212,510 106,283 SH   SOLE   0 0 106,283
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,951,644 5,472 SH   SOLE   0 0 5,472
ISHARES TR MSCI EAFE MIN VL 46429B689   329,452 4,751 SH   SOLE   0 0 4,751
KINDER MORGAN INC DEL COM 49456B101   362,273 20,537 SH   SOLE   0 0 20,537
SIMON PPTY GROUP INC NEW COM 828806109   202,834 1,422 SH   SOLE   0 0 1,422
GSK PLC SPONSORED ADR 37733W204   201,718 5,443 SH   SOLE   0 0 5,443
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   644,758 12,630 SH   SOLE   0 0 12,630
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,582,133 21,005 SH   SOLE   0 0 21,005
ONEOK INC NEW COM 682680103   791,731 11,275 SH   SOLE   0 0 11,275
WALMART INC COM 931142103   223,504 1,418 SH   SOLE   0 0 1,418
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,962,881 79,180 SH   SOLE   0 0 79,180
VERIZON COMMUNICATIONS INC COM 92343V104   210,932 5,595 SH   SOLE   0 0 5,595
STELLANTIS N.V SHS N82405106   240,429 10,310 SH   SOLE   0 0 10,310
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,243,174 10,283 SH   SOLE   0 0 10,283
ISHARES TR CORE US AGGBD ET 464287226   12,320,181 124,133 SH   SOLE   0 0 124,133
COSTCO WHSL CORP NEW COM 22160K105   268,653 407 SH   SOLE   0 0 407
BOEING CO COM 097023105   395,146 1,516 SH   SOLE   0 0 1,516
VANGUARD INDEX FDS GROWTH ETF 922908736   24,349,375 78,324 SH   SOLE   0 0 78,324
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   346,107 2,031 SH   SOLE   0 0 2,031
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   234,653 2,656 SH   SOLE   0 0 2,656
ISHARES TR EXPND TEC SC ETF 464287549   357,199 797 SH   SOLE   0 0 797
PHYSICIANS RLTY TR COM 71943U104   190,227 14,292 SH   SOLE   0 0 14,292
ABBVIE INC COM 00287Y109   2,434,889 15,712 SH   SOLE   0 0 15,712
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   243,048 2,847 SH   SOLE   0 0 2,847
ISHARES INC CORE MSCI EMKT 46434G103   957,622 18,933 SH   SOLE   0 0 18,933
JOHNSON & JOHNSON COM 478160104   820,585 5,235 SH   SOLE   0 0 5,235
VANGUARD INDEX FDS MID CAP ETF 922908629   25,588,878 109,993 SH   SOLE   0 0 109,993
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   32,192,268 573,428 SH   SOLE   0 0 573,428
VANGUARD INDEX FDS SM CP VAL ETF 922908611   283,633 1,576 SH   SOLE   0 0 1,576
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   464,250 8,339 SH   SOLE   0 0 8,339
AMER STATES WTR CO COM 029899101   358,069 4,452 SH   SOLE   0 0 4,452
ISHARES TR 0-5YR HI YL CP 46434V407   1,038,030 24,586 SH   SOLE   0 0 24,586
ISHARES TR RUS 2000 VAL ETF 464287630   305,819 1,969 SH   SOLE   0 0 1,969
KRAFT HEINZ CO COM 500754106   207,865 5,621 SH   SOLE   0 0 5,621
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   88,737,458 2,668,796 SH   SOLE   0 0 2,668,796
ABBOTT LABS COM 002824100   1,317,428 11,969 SH   SOLE   0 0 11,969
DBX ETF TR XTRACK MSCI EAFE 233051200   25,348,097 685,454 SH   SOLE   0 0 685,454
ISHARES TR HDG MSCI EAFE 46434V803   23,138,571 734,325 SH   SOLE   0 0 734,325
ALPHABET INC CAP STK CL A 02079K305   1,226,339 8,779 SH   SOLE   0 0 8,779
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,954,160 6,215 SH   SOLE   0 0 6,215
ISHARES TR S&P 500 GRWT ETF 464287309   1,347,227 17,939 SH   SOLE   0 0 17,939
QUALCOMM INC COM 747525103   1,669,628 11,544 SH   SOLE   0 0 11,544
ISHARES TR RUS 1000 ETF 464287622   596,058 2,273 SH   SOLE   0 0 2,273
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   181,934 20,912 SH   SOLE   0 0 20,912
ISHARES TR CORE S&P MCP ETF 464287507   1,443,321 5,208 SH   SOLE   0 0 5,208
ISHARES TR US CONSM STAPLES 464287812   472,819 2,466 SH   SOLE   0 0 2,466
ISHARES TR MSCI EAFE ETF 464287465   7,966,831 105,731 SH   SOLE   0 0 105,731
APPLE INC COM 037833100   5,479,350 28,460 SH   SOLE   0 0 28,460
CATERPILLAR INC COM 149123101   407,138 1,377 SH   SOLE   0 0 1,377
AT&T INC COM 00206R102   304,054 18,120 SH   SOLE   0 0 18,120
SUMMIT THERAPEUTICS INC COM 86627T108   33,348 12,777 SH   SOLE   0 0 12,777
AMERICAN WTR WKS CO INC NEW COM 030420103   272,296 2,063 SH   SOLE   0 0 2,063
INTERNATIONAL BUSINESS MACHS COM 459200101   212,451 1,299 SH   SOLE   0 0 1,299
BLACKSTONE INC COM 09260D107   246,130 1,880 SH   SOLE   0 0 1,880