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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
ALPHABET INC CAP STK CL C 02079K107   235,698 1,548 SH   SOLE 0 0 0 1,548
AMAZON COM INC COM 023135106   302,858 1,679 SH   SOLE 0 0 0 1,679
AMERICAN CENTY ETF TR US SML CP VALU 025072877   304,932 3,254 SH   SOLE 0 0 0 3,254
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   29,312,755 445,077 SH   SOLE 0 0 0 445,077
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   216,428 3,368 SH   SOLE 0 0 0 3,368
APPLE INC COM 037833100   51,834,010 302,274 SH   SOLE 0 0 0 302,274
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   415,474 988 SH   SOLE 0 0 0 988
ILLUMINA INC COM 452327109   868,412 6,324 SH   SOLE 0 0 0 6,324
INVESCO QQQ TR UNIT SER 1 46090E103   472,871 1,065 SH   SOLE 0 0 0 1,065
ISHARES TR MSCI EAFE ETF 464287465   11,359,446 142,242 SH   SOLE 0 0 0 142,242
ISHARES TR RUS MD CP GR ETF 464287481   1,072,459 9,396 SH   SOLE 0 0 0 9,396
ISHARES TR 1 3 YR TREAS BD 464287457   326,302 3,990 SH   SOLE 0 0 0 3,990
ISHARES TR 7-10 YR TRSY BD 464287440   634,033 6,698 SH   SOLE 0 0 0 6,698
ISHARES TR RUS 1000 GRW ETF 464287614   13,144,290 38,998 SH   SOLE 0 0 0 38,998
ISHARES TR CORE S&P US VLU 464287663   1,087,360 12,023 SH   SOLE 0 0 0 12,023
ISHARES TR EAFE SML CP ETF 464288273   416,838 6,582 SH   SOLE 0 0 0 6,582
ISHARES TR MSCI USA MIN VOL 46429B697   9,148,394 109,457 SH   SOLE 0 0 0 109,457
ISHARES TR MSCI EAFE MIN VL 46429B689   2,183,047 30,799 SH   SOLE 0 0 0 30,799
ISHARES TR CORE MSCI EAFE 46432F842   44,086,452 593,997 SH   SOLE 0 0 0 593,997
ISHARES TR CORE US AGGBD ET 464287226   236,085 2,411 SH   SOLE 0 0 0 2,411
ISHARES TR MSCI USA MMENTM 46432F396   6,424,462 34,291 SH   SOLE 0 0 0 34,291
ISHARES TR MSCI INTL MOMENT 46434V449   1,657,370 42,248 SH   SOLE 0 0 0 42,248
ISHARES TR MSCI USA SMCP MN 46435G433   4,750,304 126,844 SH   SOLE 0 0 0 126,844
LAM RESEARCH CORP COM 512807108   276,897 285 SH   SOLE 0 0 0 285
META PLATFORMS INC CL A 30303M102   624,456 1,286 SH   SOLE 0 0 0 1,286
MICROSOFT CORP COM 594918104   985,747 2,343 SH   SOLE 0 0 0 2,343
NVIDIA CORPORATION COM 67066G104   458,105 507 SH   SOLE 0 0 0 507
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,363,226 34,937 SH   SOLE 0 0 0 34,937
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   232,593 2,509 SH   SOLE 0 0 0 2,509
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   211,596 2,785 SH   SOLE 0 0 0 2,785
SPDR S&P 500 ETF TR TR UNIT 78462F103   21,234,027 40,595 SH   SOLE 0 0 0 40,595
VANGUARD INDEX FDS VALUE ETF 922908744   102,498,419 629,365 SH   SOLE 0 0 0 629,365
VANGUARD INDEX FDS SM CP VAL ETF 922908611   22,506,426 117,294 SH   SOLE 0 0 0 117,294
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,463,301 10,776 SH   SOLE 0 0 0 10,776
VANGUARD INDEX FDS GROWTH ETF 922908736   40,158,806 116,673 SH   SOLE 0 0 0 116,673
VANGUARD INDEX FDS SML CP GRW ETF 922908595   24,924,010 95,597 SH   SOLE 0 0 0 95,597
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   7,374,231 47,298 SH   SOLE 0 0 0 47,298
VANGUARD INDEX FDS TOTAL STK MKT 922908769   615,138 2,367 SH   SOLE 0 0 0 2,367
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,429,048 58,153 SH   SOLE 0 0 0 58,153
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   762,005 6,896 SH   SOLE 0 0 0 6,896
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   17,642,006 368,386 SH   SOLE 0 0 0 368,386
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,982,849 119,263 SH   SOLE 0 0 0 119,263
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   232,745 4,008 SH   SOLE 0 0 0 4,008
VANGUARD WORLD FD ESG US STK ETF 921910733   1,242,130 13,329 SH   SOLE 0 0 0 13,329
VANGUARD WORLD FD ESG INTL STK ETF 921910725   439,071 7,640 SH   SOLE 0 0 0 7,640