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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
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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
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   3,533,699 142,949 SH   SOLE   0 0 142,949
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   6,356,837 210,352 SH   SOLE   0 0 210,352
ISHARES TR CORE S&P SCP ETF 464287804   17,913,366 162,083 SH   SOLE   0 0 162,083
ISHARES TR CORE US AGGBD ET 464287226   22,264,284 227,326 SH   SOLE   0 0 227,326
ISHARES TR AGGRES ALLOC ETF 464289859   3,354,477 45,664 SH   SOLE   0 0 45,664
ISHARES TR GRWT ALLOCAT ETF 464289867   3,303,764 59,346 SH   SOLE   0 0 59,346
ISHARES TR CORE S&P500 ETF 464287200   37,146,600 70,657 SH   SOLE   0 0 70,657
ISHARES TR MODERT ALLOC ETF 464289875   1,052,602 24,605 SH   SOLE   0 0 24,605
NOVO-NORDISK A S ADR 670100205   238,824 1,860 SH   SOLE   0 0 1,860
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   22,216,168 289,764 SH   SOLE   0 0 289,764
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,087,925 14,979 SH   SOLE   0 0 14,979
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   582,459 11,841 SH   SOLE   0 0 11,841
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,079,035 11,847 SH   SOLE   0 0 11,847
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,986,560 138,605 SH   SOLE   0 0 138,605
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,456,607 24,156 SH   SOLE   0 0 24,156