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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hours per response: 23.8
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
ABBOTT LABS COM 002824100 BBG001S5N9M6 244,355 2,220 SH   SOLE   0 0 2,220
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 303,888 866 SH   SOLE   0 0 866
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 241,245 1,727 SH   SOLE   0 0 1,727
AMAZON COM INC COM 023135106 BBG001S5PQL7 680,387 4,478 SH   SOLE   0 0 4,478
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 BBG00XTVX698 2,515,986 54,218 SH   SOLE   0 0 54,218
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 22,577,677 442,179 SH   SOLE   0 0 442,179
APPLE INC COM 037833100 BBG001S5N8V8 2,115,311 10,987 SH   SOLE   0 0 10,987
AT&T INC COM 00206R102 BBG001S5VWH2 207,653 12,375 SH   SOLE   0 0 12,375
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 750,769 2,105 SH   SOLE   0 0 2,105
CATERPILLAR INC COM 149123101 BBG001S5PJ06 566,504 1,916 SH   SOLE   0 0 1,916
COCA COLA CO COM 191216100 BBG001S5SMQ8 427,243 7,250 SH   SOLE   0 0 7,250
CSX CORP COM 126408103 BBG001S5Q7Q3 256,870 7,409 SH   SOLE   0 0 7,409
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 522,120 21,602 SH   SOLE   0 0 21,602
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 202,942 4,317 SH   SOLE   0 0 4,317
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 364,440 12,468 SH   SOLE   0 0 12,468
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 37,746,758 1,659,928 SH   SOLE   0 0 1,659,928
ELI LILLY & CO COM 532457108 BBG001S5STL8 311,279 534 SH   SOLE   0 0 534
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 239,352 2,394 SH   SOLE   0 0 2,394
HOME DEPOT INC COM 437076102 BBG001S5RTW7 705,311 2,035 SH   SOLE   0 0 2,035
INTEL CORP COM 458140100 BBG001S5SF65 319,550 6,359 SH   SOLE   0 0 6,359
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 200,920 6,267 SH   SOLE   0 0 6,267
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 555,474 12,897 SH   SOLE   0 0 12,897
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 4,031,739 40,894 SH   SOLE   0 0 40,894
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,340,597 4,837 SH   SOLE   0 0 4,837
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,425,970 59,362 SH   SOLE   0 0 59,362
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 427,760 4,065 SH   SOLE   0 0 4,065
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,491,313 3,122 SH   SOLE   0 0 3,122
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 39,368,837 396,663 SH   SOLE   0 0 396,663
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,253,662 16,596 SH   SOLE   0 0 16,596
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 268,123 7,054 SH   SOLE   0 0 7,054
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 2,496,372 52,291 SH   SOLE   0 0 52,291
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,819,471 36,432 SH   SOLE   0 0 36,432
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 369,742 4,907 SH   SOLE   0 0 4,907
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 690,854 6,058 SH   SOLE   0 0 6,058
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,996,038 16,261 SH   SOLE   0 0 16,261
ISHARES TR US CONSM STAPLES 464287812 BBG001SF7V89 477,166 2,489 SH   SOLE   0 0 2,489
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 218,809 1,396 SH   SOLE   0 0 1,396
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 343,262 2,018 SH   SOLE   0 0 2,018
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 500,377 1,104 SH   SOLE   0 0 1,104
LOWES COS INC COM 548661107 BBG001S5SVL3 373,884 1,680 SH   SOLE   0 0 1,680
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 244,479 573 SH   SOLE   0 0 573
MCDONALDS CORP COM 580135101 BBG001S5T110 312,225 1,053 SH   SOLE   0 0 1,053
MERCK & CO INC COM 58933Y105 BBG001S5TC52 327,278 3,002 SH   SOLE   0 0 3,002
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,250,324 5,984 SH   SOLE   0 0 5,984
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 585,898 9,646 SH   SOLE   0 0 9,646
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 9,800,307 106,007 SH   SOLE   0 0 106,007
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 43,959,279 463,901 SH   SOLE   0 0 463,901
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 272,271 1,858 SH   SOLE   0 0 1,858
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 463,062 18,679 SH   SOLE   0 0 18,679
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 7,289,664 197,231 SH   SOLE   0 0 197,231
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,069,043 22,931 SH   SOLE   0 0 22,931
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,058,293 19,010 SH   SOLE   0 0 19,010
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 22,976,153 305,047 SH   SOLE   0 0 305,047
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 411,734 19,881 SH   SOLE   0 0 19,881
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,500,751 95,274 SH   SOLE   0 0 95,274
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 4,056,946 56,323 SH   SOLE   0 0 56,323
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 661,554 3,437 SH   SOLE   0 0 3,437
SOUTHERN CO COM 842587107 BBG001S5W777 398,516 5,683 SH   SOLE   0 0 5,683
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 212,963 1,114 SH   SOLE   0 0 1,114
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,153,707 60,822 SH   SOLE   0 0 60,822
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,044,184 2,197 SH   SOLE   0 0 2,197
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 8,793,855 295,294 SH   SOLE   0 0 295,294
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 404,637 10,325 SH   SOLE   0 0 10,325
TESLA INC COM 88160R101 BBG001SQKGD7 392,847 1,581 SH   SOLE   0 0 1,581
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 363,582 4,943 SH   SOLE   0 0 4,943
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 567,978 1,827 SH   SOLE   0 0 1,827
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 6,323,017 27,179 SH   SOLE   0 0 27,179
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 4,132,686 46,771 SH   SOLE   0 0 46,771
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 55,121,688 126,194 SH   SOLE   0 0 126,194
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,246,365 10,530 SH   SOLE   0 0 10,530
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 14,016,616 59,087 SH   SOLE   0 0 59,087
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 267,226 4,760 SH   SOLE   0 0 4,760
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 17,598,001 370,562 SH   SOLE   0 0 370,562
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,782,109 99,760 SH   SOLE   0 0 99,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 49,881,963 1,041,377 SH   SOLE   0 0 1,041,377
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 204,481 3,699 SH   SOLE   0 0 3,699
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 22,836,618 119,588 SH   SOLE   0 0 119,588
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 26,182,295 54,096 SH   SOLE   0 0 54,096
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 237,131 1,730 SH   SOLE   0 0 1,730
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 12,838,204 444,536 SH   SOLE   0 0 444,536
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 233,169 5,732 SH   SOLE   0 0 5,732
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,756,492 58,837 SH   SOLE   0 0 58,837