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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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,158,855 18,948 SH   SOLE 0 0 0 18,948
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   15,993,666 536,880 SH   SOLE 0 0 0 536,880
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,271,163 39,070 SH   SOLE 0 0 0 39,070
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   2,259,092 80,309 SH   SOLE 0 0 0 80,309
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   3,860,882 163,044 SH   SOLE 0 0 0 163,044
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   4,167,713 172,362 SH   SOLE 0 0 0 172,362
ISHARES TR ISHS 1-5YR INVS 464288646   12,909,396 251,989 SH   SOLE 0 0 0 251,989
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,513,756 19,690 SH   SOLE 0 0 0 19,690
VANGUARD BD INDEX FDS INTERMED TERM 921937819   21,128,607 278,521 SH   SOLE 0 0 0 278,521
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,856,215 25,428 SH   SOLE 0 0 0 25,428
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,500,966 276,319 SH   SOLE 0 0 0 276,319
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,474,800 12,052 SH   SOLE 0 0 0 12,052
VANGUARD INDEX FDS TOTAL STK MKT 922908769   903,183 3,684 SH   SOLE 0 0 0 3,684
VANGUARD INDEX FDS VALUE ETF 922908744   731,594 4,806 SH   SOLE 0 0 0 4,806
VANGUARD INDEX FDS SM CP VAL ETF 922908611   609,025 3,445 SH   SOLE 0 0 0 3,445
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   359,128 4,258 SH   SOLE 0 0 0 4,258
VANGUARD INDEX FDS SMALL CP ETF 922908751   559,787 2,663 SH   SOLE 0 0 0 2,663
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   308,361 4,841 SH   SOLE 0 0 0 4,841
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   411,748 7,435 SH   SOLE 0 0 0 7,435
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   206,047 5,199 SH   SOLE 0 0 0 5,199
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   311,373 4,324 SH   SOLE 0 0 0 4,324
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   312,710 2,810 SH   SOLE 0 0 0 2,810
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   551,960 11,628 SH   SOLE 0 0 0 11,628
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   558,138 7,220 SH   SOLE 0 0 0 7,220
VANGUARD STAR FDS VG TL INTL STK F 921909768   342,464 5,998 SH   SOLE 0 0 0 5,998
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,854,235 165,213 SH   SOLE 0 0 0 165,213