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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
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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,567,891 58,337 SH   SOLE 0 0 0 58,337
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,050,942 36,927 SH   SOLE 0 0 0 36,927
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   42,717,192 1,433,944 SH   SOLE 0 0 0 1,433,944
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   6,614,882 235,154 SH   SOLE 0 0 0 235,154
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   10,365,873 437,748 SH   SOLE 0 0 0 437,748
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   11,301,442 467,388 SH   SOLE 0 0 0 467,388
FLEXSHARES TR MORNSTAR USMKT 33939L100   2,729,846 14,664 SH   SOLE 0 0 0 14,664
ISHARES TR CORE S&P SCP ETF 464287804   6,535,520 62,427 SH   SOLE 0 0 0 62,427
ISHARES TR S&P 500 VAL ETF 464287408   579,382 3,302 SH   SOLE 0 0 0 3,302
ISHARES TR CORE S&P500 ETF 464287200   350,704 706 SH   SOLE 0 0 0 706
ISHARES TR MSCI EAFE ETF 464287465   252,798 3,364 SH   SOLE 0 0 0 3,364
ISHARES TR ISHS 1-5YR INVS 464288646   8,390,153 163,774 SH   SOLE 0 0 0 163,774
ISHARES TR NATIONAL MUN ETF 464288414   900,303 8,340 SH   SOLE 0 0 0 8,340
ISHARES TR INTRM GOV CR ETF 464288612   254,583 2,439 SH   SOLE 0 0 0 2,439
ISHARES TR SHRT NAT MUN ETF 464288158   496,996 4,736 SH   SOLE 0 0 0 4,736
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   216,489 6,388 SH   SOLE 0 0 0 6,388
SPDR SER TR S&P 600 SMCP VAL 78464A300   216,080 2,730 SH   SOLE 0 0 0 2,730
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,597,035 20,773 SH   SOLE 0 0 0 20,773
VANGUARD BD INDEX FDS INTERMED TERM 921937819   17,165,462 226,278 SH   SOLE 0 0 0 226,278
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,484,626 30,041 SH   SOLE 0 0 0 30,041
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,089,772 247,437 SH   SOLE 0 0 0 247,437
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14,432,929 31,771 SH   SOLE 0 0 0 31,771
VANGUARD INDEX FDS MID CAP ETF 922908629   245,615 1,058 SH   SOLE 0 0 0 1,058
VANGUARD INDEX FDS SM CP VAL ETF 922908611   418,855 2,369 SH   SOLE 0 0 0 2,369
VANGUARD INDEX FDS SMALL CP ETF 922908751   209,101 995 SH   SOLE 0 0 0 995
VANGUARD INDEX FDS LARGE CAP ETF 922908637   329,522 1,451 SH   SOLE 0 0 0 1,451
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   345,305 8,713 SH   SOLE 0 0 0 8,713
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,932,462 82,841 SH   SOLE 0 0 0 82,841
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   206,144 3,542 SH   SOLE 0 0 0 3,542
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,168,963 445,287 SH   SOLE 0 0 0 445,287