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
Estimated average burden
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alphabet Inc Cl A COM 02079k305 694 7,260 SH   SOLE   0 0 7,260
Apple Inc COM 037833100 654 4,730 SH   SOLE   0 0 4,730
Berkshire Hathaway Cl B COM 084670702 1,347 5,046 SH   SOLE   0 0 5,046
Custom Truck One Source Inc COM 23204x103 138 23,635 SH   SOLE   0 0 23,635
Exxon Mobil Corporation COM 30231G102 338 3,868 SH   SOLE   0 0 3,868
Home Depot Inc COM 437076102 261 945 SH   SOLE   0 0 945
Johnson & Johnson COM 478160104 627 3,838 SH   SOLE   0 0 3,838
MasterCard Inc COM 57636q104 516 1,816 SH   SOLE   0 0 1,816
Microsoft Corp COM 594918104 508 2,183 SH   SOLE   0 0 2,183
Procter & Gamble Co COM 742718109 306 2,427 SH   SOLE   0 0 2,427
Royal Gold Inc COM 780287108 225 2,400 SH   SOLE   0 0 2,400
Texas Instruments Inc COM 882508104 351 2,267 SH   SOLE   0 0 2,267
TransDigm Group Inc COM 893641100 269 513 SH   SOLE   0 0 513
Dimensional US Core Equity 2 E COM 25434V708 374 16,836 SH   SOLE   0 0 16,836
Goldman Sachs Active Beta ETF COM 381430503 644 9,073 SH   SOLE   0 0 9,073
IShares Core MSCI Emerging ETF COM 46434g103 1,755 40,830 SH   SOLE   0 0 40,830
Invesco QQQ Trust COM 46090e103 653 2,442 SH   SOLE   0 0 2,442
Invesco S&P 500 Equal Weight E COM 46137v357 788 6,191 SH   SOLE   0 0 6,191
Nuveen Real Estate Income Fund COM 67071B108 108 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201R783 2,324 26,607 SH   SOLE   0 0 26,607
SPDR Financial Select Sector E COM 81369Y605 205 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107 374 2,421 SH   SOLE   0 0 2,421
SPDR S&P 500 ETF Trust COM 78462F103 99,445 278,417 SH   SOLE   0 0 278,417
SPDR S&P Dividend ETF COM 78464a763 203 1,820 SH   SOLE   0 0 1,820
SPDR S&P MidCap 400 ETF Trust COM 78467y107 2,026 5,043 SH   SOLE   0 0 5,043
Schwab Emerging Markets COM 808524706 21,337 952,560 SH   SOLE   0 0 952,560
Schwab Intermediate Term US Tr COM 808524854 379 7,711 SH   SOLE   0 0 7,711
Schwab International Equity ET COM 808524805 56,282 2,000,781 SH   SOLE   0 0 2,000,781
Schwab US Aggregate Bond ETF COM 808524839 12,319 271,874 SH   SOLE   0 0 271,874
Schwab US Broad Market ETF COM 808524102 5,748 136,901 SH   SOLE   0 0 136,901
Schwab US Dividend Equity ETF COM 808524797 847 12,750 SH   SOLE   0 0 12,750
Schwab US Large Cap ETF COM 808524201 108,476 2,561,420 SH   SOLE   0 0 2,561,420
Schwab US Large Cap Growth ETF COM 808524300 2,446 43,832 SH   SOLE   0 0 43,832
Schwab US Large Cap Value ETF COM 808524409 813 13,895 SH   SOLE   0 0 13,895
Schwab US Mid Cap ETF COM 808524508 54,044 892,841 SH   SOLE   0 0 892,841
Schwab US REIT ETF COM 808524847 4,170 223,104 SH   SOLE   0 0 223,104
Schwab US Tips ETF COM 808524870 4,583 88,480 SH   SOLE   0 0 88,480
Sector SPDR Technology Select COM 81369Y803 1,651 13,897 SH   SOLE   0 0 13,897
Vanguard Dividend Appreciation COM 921908844 2,391 17,691 SH   SOLE   0 0 17,691
Vanguard FTSE All-World EX-US COM 922042775 11,045 248,988 SH   SOLE   0 0 248,988
Vanguard Global Ex US Real Est COM 922042676 5,932 155,461 SH   SOLE   0 0 155,461
Vanguard Growth Vipers COM 922908736 7,503 35,069 SH   SOLE   0 0 35,069
Vanguard Health Care Vipers COM 92204a504 528 2,360 SH   SOLE   0 0 2,360
Vanguard Large Cap COM 922908637 30,890 188,859 SH   SOLE   0 0 188,859
Vanguard MSCI EAFE ETF COM 921943858 157,386 4,328,560 SH   SOLE   0 0 4,328,560
Vanguard MSCI Emerging Markets COM 922042858 71,222 1,951,834 SH   SOLE   0 0 1,951,834
Vanguard Mid Cap Growth Index COM 922908538 4,843 28,400 SH   SOLE   0 0 28,400
Vanguard Mid Cap Value COM 922908512 6,496 53,345 SH   SOLE   0 0 53,345
Vanguard Mid Cap Vipers COM 922908629 213,819 1,137,454 SH   SOLE   0 0 1,137,454
Vanguard REIT Vipers COM 922908553 15,095 188,290 SH   SOLE   0 0 188,290
Vanguard Russell 1000 Growth COM 92206c680 239 4,406 SH   SOLE   0 0 4,406
Vanguard S&P 500 ETF COM 922908363 406,184 1,237,235 SH   SOLE   0 0 1,237,235
Vanguard ST Inflation Protecte COM 922020805 9,305 193,402 SH   SOLE   0 0 193,402
Vanguard Small Cap COM 922908751 2,803 16,398 SH   SOLE   0 0 16,398
Vanguard Small Cap Value COM 922908611 23,605 164,609 SH   SOLE   0 0 164,609
Vanguard Total Bond Market ETF COM 921937835 717 10,057 SH   SOLE   0 0 10,057
Vanguard Total International B COM 92203j407 2,129 44,605 SH   SOLE   0 0 44,605
Vanguard Total Stock Market Vi COM 922908769 27,669 154,173 SH   SOLE   0 0 154,173
Vanguard Value COM 922908744 5,093 41,246 SH   SOLE   0 0 41,246
iShares Barclays 1-3 Year Trea COM 464287457 656 8,072 SH   SOLE   0 0 8,072
iShares Barclays US Treasury I COM 464287176 395 3,765 SH   SOLE   0 0 3,765
iShares Core MSCI EAFE ETF COM 46432f842 631 11,977 SH   SOLE   0 0 11,977
iShares Core MSCI Total Intl S COM 46432f834 580 11,390 SH   SOLE   0 0 11,390
iShares Core US Growth ETF COM 464287671 2,005 25,000 SH   SOLE   0 0 25,000
iShares DJ Select Dividend Ind COM 464287168 1,080 10,069 SH   SOLE   0 0 10,069
iShares ESG Advanced MSCI EAFE COM 46436E759 579 12,432 SH   SOLE   0 0 12,432
iShares ESG Advanced MSCI USA COM 46436E767 531 18,966 SH   SOLE   0 0 18,966
iShares ESG Aware MSCI EAFE ET COM 46435G516 541 9,644 SH   SOLE   0 0 9,644
iShares ESG Aware MSCI ETF COM 46434G863 774 27,966 SH   SOLE   0 0 27,966
iShares ESG Aware MSCI USA ETF COM 46435G425 754 9,493 SH   SOLE   0 0 9,493
iShares Lehman Aggregate Bond COM 464287226 1,225 12,720 SH   SOLE   0 0 12,720
iShares MSCI ACWI Index Fund COM 464288257 778 10,000 SH   SOLE   0 0 10,000
iShares MSCI EAFE Index Fund COM 464287465 3,015 53,835 SH   SOLE   0 0 53,835
iShares MSCI EAFE Minimum Vola COM 46429b689 321 5,627 SH   SOLE   0 0 5,627
iShares MSCI Emerging Markets COM 464287234 1,043 29,910 SH   SOLE   0 0 29,910
iShares MSCI Emerging Markets COM 464286533 647 12,767 SH   SOLE   0 0 12,767
iShares MSCI Minimum Volatilit COM 46429b697 1,759 26,615 SH   SOLE   0 0 26,615
iShares Russell 1000 Growth COM 464287614 6,934 32,957 SH   SOLE   0 0 32,957
iShares Russell 1000 Index Fun COM 464287622 9,290 47,078 SH   SOLE   0 0 47,078
iShares Russell 1000 Value Ind COM 464287598 3,367 24,762 SH   SOLE   0 0 24,762
iShares Russell 2000 Index COM 464287655 6,401 38,815 SH   SOLE   0 0 38,815
iShares Russell 3000 Index COM 464287689 2,611 12,609 SH   SOLE   0 0 12,609
iShares Russell Midcap COM 464287499 62,868 1,011,550 SH   SOLE   0 0 1,011,550
iShares Russell Midcap Growth COM 464287481 10,224 130,357 SH   SOLE   0 0 130,357
iShares Russell Midcap Value COM 464287473 8,840 92,031 SH   SOLE   0 0 92,031
iShares S&P Mid Cap 400 Index COM 464287507 315 1,438 SH   SOLE   0 0 1,438
iShares S&P Mid Cap 400 Value COM 464287705 357 3,968 SH   SOLE   0 0 3,968
iShares Tr S&P 500/Barra Growt COM 464287309 504 8,715 SH   SOLE   0 0 8,715
iShares Trust S&P 500 Index COM 464287200 15,231 42,468 SH   SOLE   0 0 42,468
iShares Trust S&P 500/Barra Va COM 464287408 324 2,522 SH   SOLE   0 0 2,522
iShares Trust S&P SmallCap 600 COM 464287804 1,300 14,909 SH   SOLE   0 0 14,909