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
ABBOTT LABS COM 002824100 BBG001S5N9M6 252,325 2,220 SH   SOLE   0 0 2,220
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 300,164 866 SH   SOLE   0 0 866
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 245,563 1,627 SH   SOLE   0 0 1,627
AMAZON COM INC COM 023135106 BBG001S5PQL7 758,859 4,207 SH   SOLE   0 0 4,207
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 BBG00XTVX698 1,866,010 40,320 SH   SOLE   0 0 40,320
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 24,176,244 461,731 SH   SOLE   0 0 461,731
APPLE INC COM 037833100 BBG001S5N8V8 1,788,285 10,429 SH   SOLE   0 0 10,429
AT&T INC COM 00206R102 BBG001S5VWH2 471,522 26,791 SH   SOLE   0 0 26,791
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 879,728 2,092 SH   SOLE   0 0 2,092
CATERPILLAR INC COM 149123101 BBG001S5PJ06 702,080 1,916 SH   SOLE   0 0 1,916
COCA COLA CO COM 191216100 BBG001S5SMQ8 411,252 6,722 SH   SOLE   0 0 6,722
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 248,352 5,729 SH   SOLE   0 0 5,729
CSX CORP COM 126408103 BBG001S5Q7Q3 274,652 7,409 SH   SOLE   0 0 7,409
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 552,297 22,039 SH   SOLE   0 0 22,039
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 398,353 12,468 SH   SOLE   0 0 12,468
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 38,997,883 1,743,312 SH   SOLE   0 0 1,743,312
ELI LILLY & CO COM 532457108 BBG001S5STL8 415,431 534 SH   SOLE   0 0 534
ETFIS SER TR I VIRTUS NEWFLEET 26923G707 BBG009RY71Y9 271,409 12,100 SH   SOLE   0 0 12,100
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 278,279 2,394 SH   SOLE   0 0 2,394
GARTNER INC COM 366651107 BBG001S5SD60 616,811 1,294 SH   SOLE   0 0 1,294
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 242,758 1,383 SH   SOLE   0 0 1,383
HOME DEPOT INC COM 437076102 BBG001S5RTW7 715,505 1,865 SH   SOLE   0 0 1,865
INTEL CORP COM 458140100 BBG001S5SF65 280,886 6,359 SH   SOLE   0 0 6,359
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 219,604 1,150 SH   SOLE   0 0 1,150
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 206,079 6,394 SH   SOLE   0 0 6,394
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 556,236 13,339 SH   SOLE   0 0 13,339
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,810,123 18,205 SH   SOLE   0 0 18,205
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,467,787 24,165 SH   SOLE   0 0 24,165
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,412,218 58,019 SH   SOLE   0 0 58,019
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 468,695 4,065 SH   SOLE   0 0 4,065
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,310,812 2,493 SH   SOLE   0 0 2,493
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 18,870,094 192,670 SH   SOLE   0 0 192,670
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,404,338 17,574 SH   SOLE   0 0 17,574
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 284,226 7,058 SH   SOLE   0 0 7,058
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 1,461,589 31,058 SH   SOLE   0 0 31,058
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,383,416 30,663 SH   SOLE   0 0 30,663
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 401,935 5,033 SH   SOLE   0 0 5,033
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 718,967 6,078 SH   SOLE   0 0 6,078
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 2,127,195 15,750 SH   SOLE   0 0 15,750
ISHARES TR US CONSM STAPLES 464287812 BBG001SF7V89 302,915 4,479 SH   SOLE   0 0 4,479
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 288,539 1,824 SH   SOLE   0 0 1,824
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 404,205 2,018 SH   SOLE   0 0 2,018
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 807,394 1,775 SH   SOLE   0 0 1,775
LOWES COS INC COM 548661107 BBG001S5SVL3 427,946 1,680 SH   SOLE   0 0 1,680
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 257,741 535 SH   SOLE   0 0 535
MCDONALDS CORP COM 580135101 BBG001S5T110 297,175 1,054 SH   SOLE   0 0 1,054
MERCK & CO INC COM 58933Y105 BBG001S5TC52 448,894 3,402 SH   SOLE   0 0 3,402
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,599,320 6,178 SH   SOLE   0 0 6,178
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 545,727 8,539 SH   SOLE   0 0 8,539
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 201,092 789 SH   SOLE   0 0 789
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 229,504 254 SH   SOLE   0 0 254
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 4,536,283 49,383 SH   SOLE   0 0 49,383
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 19,814,848 208,885 SH   SOLE   0 0 208,885
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 339,752 2,094 SH   SOLE   0 0 2,094
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 466,933 18,492 SH   SOLE   0 0 18,492
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 7,444,086 190,776 SH   SOLE   0 0 190,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 1,162,186 19,037 SH   SOLE   0 0 19,037
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 25,399,071 311,913 SH   SOLE   0 0 311,913
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 208,480 10,270 SH   SOLE   0 0 10,270
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,598,678 93,393 SH   SOLE   0 0 93,393
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 1,547,741 20,269 SH   SOLE   0 0 20,269
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 721,656 3,465 SH   SOLE   0 0 3,465
SOUTHERN CO COM 842587107 BBG001S5W777 446,534 6,224 SH   SOLE   0 0 6,224
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 229,172 1,114 SH   SOLE   0 0 1,114
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,130,614 58,873 SH   SOLE   0 0 58,873
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,071,168 2,048 SH   SOLE   0 0 2,048
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 2,724,729 91,526 SH   SOLE   0 0 91,526
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 419,679 10,309 SH   SOLE   0 0 10,309
TESLA INC COM 88160R101 BBG001SQKGD7 277,924 1,581 SH   SOLE   0 0 1,581
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 628,853 1,827 SH   SOLE   0 0 1,827
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 6,880,497 27,537 SH   SOLE   0 0 27,537
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,787,406 43,795 SH   SOLE   0 0 43,795
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 61,066,497 127,037 SH   SOLE   0 0 127,037
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,383,508 10,427 SH   SOLE   0 0 10,427
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 15,267,043 58,742 SH   SOLE   0 0 58,742
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 279,174 4,760 SH   SOLE   0 0 4,760
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 8,083,342 168,790 SH   SOLE   0 0 168,790
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,971,408 99,028 SH   SOLE   0 0 99,028
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 52,701,577 1,050,460 SH   SOLE   0 0 1,050,460
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 12,612,413 61,783 SH   SOLE   0 0 61,783
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 212,582 3,699 SH   SOLE   0 0 3,699
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 28,007,604 53,415 SH   SOLE   0 0 53,415
VANGUARD WORLD FD UTILITIES ETF 92204A876 BBG001SHVTP4 245,380 1,721 SH   SOLE   0 0 1,721
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 211,227 5,034 SH   SOLE   0 0 5,034
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 14,047,791 476,843 SH   SOLE   0 0 476,843
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 239,316 5,720 SH   SOLE   0 0 5,720
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,793,147 58,168 SH   SOLE   0 0 58,168