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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alphabet Inc Cl A COM 02079k305   561 6,360 SH   SOLE   0 0 6,360
Apple Inc COM 037833100   615 4,730 SH   SOLE   0 0 4,730
Berkshire Hathaway Cl B COM 084670702   1,319 4,271 SH   SOLE   0 0 4,271
Exxon Mobil Corporation COM 30231G102   513 4,652 SH   SOLE   0 0 4,652
Home Depot Inc COM 437076102   310 981 SH   SOLE   0 0 981
JP Morgan Chase & Co COM 46625h100   226 1,688 SH   SOLE   0 0 1,688
Johnson & Johnson COM 478160104   685 3,880 SH   SOLE   0 0 3,880
Lockheed Martin Corp COM 539830109   247 507 SH   SOLE   0 0 507
MasterCard Inc COM 57636q104   465 1,336 SH   SOLE   0 0 1,336
Merck & Co Inc COM 58933Y105   234 2,105 SH   SOLE   0 0 2,105
Microsoft Corp COM 594918104   476 1,983 SH   SOLE   0 0 1,983
Procter & Gamble Co COM 742718109   376 2,480 SH   SOLE   0 0 2,480
Royal Gold Inc COM 780287108   271 2,400 SH   SOLE   0 0 2,400
Texas Instruments Inc COM 882508104   375 2,267 SH   SOLE   0 0 2,267
TransDigm Group Inc COM 893641100   323 513 SH   SOLE   0 0 513
DFA International Core Equity COM 25434V799   7,960 356,168 SH   SOLE   0 0 356,168
Dimensional Emerging Markets C COM 25434V732   4,885 217,514 SH   SOLE   0 0 217,514
Dimensional US Core Equity 2 E COM 25434V708   409 16,836 SH   SOLE   0 0 16,836
Dimensional US Small Cap ETF COM 25434V500   446 8,710 SH   SOLE   0 0 8,710
Dimensional US Small Cap Value COM 25434V815   92,556 3,736,621 SH   SOLE   0 0 3,736,621
Goldman Sachs Active Beta ETF COM 381430503   341 4,475 SH   SOLE   0 0 4,475
IShares Core MSCI Emerging ETF COM 46434g103   1,939 41,518 SH   SOLE   0 0 41,518
Invesco QQQ Trust COM 46090e103   697 2,618 SH   SOLE   0 0 2,618
Invesco S&P 500 Equal Weight E COM 46137v357   825 5,843 SH   SOLE   0 0 5,843
Nuveen Real Estate Income Fund COM 67071B108   106 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201R783   2,348 26,304 SH   SOLE   0 0 26,304
SPDR Energy Select ETF COM 81369Y506   296 3,387 SH   SOLE   0 0 3,387
SPDR Financial Select Sector E COM 81369Y605   231 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107   518 3,052 SH   SOLE   0 0 3,052
SPDR S&P 500 ETF Trust COM 78462F103   107,632 281,444 SH   SOLE   0 0 281,444
SPDR S&P Dividend ETF COM 78464a763   280 2,241 SH   SOLE   0 0 2,241
SPDR S&P MidCap 400 ETF Trust COM 78467y107   2,111 4,768 SH   SOLE   0 0 4,768
SPDR S&P Oil & Gas Exploration COM 78464a730   268 1,973 SH   SOLE   0 0 1,973
Schwab Emerging Markets COM 808524706   23,009 972,094 SH   SOLE   0 0 972,094
Schwab Intermediate Term US Tr COM 808524854   307 6,246 SH   SOLE   0 0 6,246
Schwab International Equity ET COM 808524805   60,101 1,865,911 SH   SOLE   0 0 1,865,911
Schwab US Aggregate Bond ETF COM 808524839   13,102 287,008 SH   SOLE   0 0 287,008
Schwab US Broad Market ETF COM 808524102   5,880 131,221 SH   SOLE   0 0 131,221
Schwab US Dividend Equity ETF COM 808524797   1,002 13,258 SH   SOLE   0 0 13,258
Schwab US Large Cap ETF COM 808524201   128,214 2,839,728 SH   SOLE   0 0 2,839,728
Schwab US Large Cap Growth ETF COM 808524300   2,397 43,148 SH   SOLE   0 0 43,148
Schwab US Large Cap Value ETF COM 808524409   1,590 24,090 SH   SOLE   0 0 24,090
Schwab US Mid Cap ETF COM 808524508   66,592 1,014,964 SH   SOLE   0 0 1,014,964
Schwab US REIT ETF COM 808524847   4,831 250,460 SH   SOLE   0 0 250,460
Schwab US Small Cap ETF COM 808524607   209 5,148 SH   SOLE   0 0 5,148
Schwab US Tips ETF COM 808524870   3,082 59,513 SH   SOLE   0 0 59,513
Sector SPDR Technology Select COM 81369Y803   1,522 12,228 SH   SOLE   0 0 12,228
VanEck Vectors Oils Services E COM 92189f718   399 1,314 SH   SOLE   0 0 1,314
Vanguard Dividend Appreciation COM 921908844   2,670 17,582 SH   SOLE   0 0 17,582
Vanguard FTSE All-World EX-US COM 922042775   12,017 239,678 SH   SOLE   0 0 239,678
Vanguard Global Ex US Real Est COM 922042676   9,025 218,320 SH   SOLE   0 0 218,320
Vanguard Growth Vipers COM 922908736   6,750 31,675 SH   SOLE   0 0 31,675
Vanguard Health Care Vipers COM 92204a504   556 2,241 SH   SOLE   0 0 2,241
Vanguard Large Cap COM 922908637   33,867 194,416 SH   SOLE   0 0 194,416
Vanguard MSCI EAFE ETF COM 921943858   207,225 4,937,461 SH   SOLE   0 0 4,937,461
Vanguard MSCI Emerging Markets COM 922042858   80,424 2,063,220 SH   SOLE   0 0 2,063,220
Vanguard Mid Cap Growth Index COM 922908538   5,114 28,450 SH   SOLE   0 0 28,450
Vanguard Mid Cap Value COM 922908512   7,840 57,968 SH   SOLE   0 0 57,968
Vanguard Mid Cap Vipers COM 922908629   230,157 1,129,271 SH   SOLE   0 0 1,129,271
Vanguard REIT Vipers COM 922908553   19,457 235,902 SH   SOLE   0 0 235,902
Vanguard Russell 1000 Growth COM 92206c680   243 4,406 SH   SOLE   0 0 4,406
Vanguard S&P 500 ETF COM 922908363   434,564 1,236,875 SH   SOLE   0 0 1,236,875
Vanguard ST Inflation Protecte COM 922020805   3,482 74,539 SH   SOLE   0 0 74,539
Vanguard Small Cap COM 922908751   3,284 17,895 SH   SOLE   0 0 17,895
Vanguard Small Cap Value COM 922908611   28,922 182,130 SH   SOLE   0 0 182,130
Vanguard Total Bond Market ETF COM 921937835   383 5,328 SH   SOLE   0 0 5,328
Vanguard Total International B COM 92203j407   1,878 39,585 SH   SOLE   0 0 39,585
Vanguard Total Stock Market Vi COM 922908769   29,229 152,880 SH   SOLE   0 0 152,880
Vanguard Value COM 922908744   6,241 44,458 SH   SOLE   0 0 44,458
iShares Barclays US Treasury I COM 464287176   597 5,611 SH   SOLE   0 0 5,611
iShares Core MSCI EAFE ETF COM 46432f842   870 14,116 SH   SOLE   0 0 14,116
iShares Core MSCI Total Intl S COM 46432f834   659 11,390 SH   SOLE   0 0 11,390
iShares Core US Aggregate Bond COM 464287226   1,068 11,014 SH   SOLE   0 0 11,014
iShares Core US Growth ETF COM 464287671   2,038 25,000 SH   SOLE   0 0 25,000
iShares DJ Select Dividend Ind COM 464287168   1,214 10,069 SH   SOLE   0 0 10,069
iShares ESG Advanced MSCI EAFE COM 46436E759   713 13,146 SH   SOLE   0 0 13,146
iShares ESG Advanced MSCI USA COM 46436E767   589 19,221 SH   SOLE   0 0 19,221
iShares ESG Aware MSCI EAFE ET COM 46435G516   755 11,484 SH   SOLE   0 0 11,484
iShares ESG Aware MSCI ETF COM 46434G863   2,778 92,368 SH   SOLE   0 0 92,368
iShares ESG Aware MSCI USA ETF COM 46435G425   942 11,115 SH   SOLE   0 0 11,115
iShares Lehman 3-7 Year Treasu COM 464288661   271 2,362 SH   SOLE   0 0 2,362
iShares MSCI ACWI Index Fund COM 464288257   849 10,000 SH   SOLE   0 0 10,000
iShares MSCI EAFE Index Fund COM 464287465   3,125 47,601 SH   SOLE   0 0 47,601
iShares MSCI EAFE Minimum Vola COM 46429b689   358 5,627 SH   SOLE   0 0 5,627
iShares MSCI EAFE Small Cap In COM 464288273   291 5,161 SH   SOLE   0 0 5,161
iShares MSCI Emerging Markets COM 464287234   819 21,615 SH   SOLE   0 0 21,615
iShares MSCI Emerging Markets COM 464286533   651 12,275 SH   SOLE   0 0 12,275
iShares MSCI Minimum Volatilit COM 46429b697   1,908 26,457 SH   SOLE   0 0 26,457
iShares Russell 1000 Growth COM 464287614   7,170 33,467 SH   SOLE   0 0 33,467
iShares Russell 1000 Index Fun COM 464287622   9,522 45,230 SH   SOLE   0 0 45,230
iShares Russell 1000 Value Ind COM 464287598   4,002 26,392 SH   SOLE   0 0 26,392
iShares Russell 2000 Index COM 464287655   6,529 37,445 SH   SOLE   0 0 37,445
iShares Russell 3000 Index COM 464287689   2,496 11,309 SH   SOLE   0 0 11,309
iShares Russell Midcap COM 464287499   65,170 966,195 SH   SOLE   0 0 966,195
iShares Russell Midcap Growth COM 464287481   10,865 129,970 SH   SOLE   0 0 129,970
iShares Russell Midcap Value COM 464287473   9,629 91,408 SH   SOLE   0 0 91,408
iShares S&P Mid Cap 400 Index COM 464287507   348 1,438 SH   SOLE   0 0 1,438
iShares S&P Mid Cap 400 Value COM 464287705   400 3,968 SH   SOLE   0 0 3,968
iShares Tr S&P 500/Barra Growt COM 464287309   1,351 23,092 SH   SOLE   0 0 23,092
iShares Trust S&P 500 Index COM 464287200   16,351 42,558 SH   SOLE   0 0 42,558
iShares Trust S&P 500/Barra Va COM 464287408   260 1,793 SH   SOLE   0 0 1,793
iShares Trust S&P SmallCap 600 COM 464287804   1,464 15,467 SH   SOLE   0 0 15,467