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
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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
Alphabet Inc Cl A COM 02079k305   894,016 6,400 SH   SOLE   0 0 6,400
Amazon Communications COM 023135106   269,694 1,775 SH   SOLE   0 0 1,775
Apple Inc COM 037833100   1,087,707 5,650 SH   SOLE   0 0 5,650
Berkshire Hathaway Cl B COM 084670702   1,366,008 3,830 SH   SOLE   0 0 3,830
Cannabis Science Inc COM 137648101   0 10,000 SH   SOLE   0 0 10,000
Cotton & Western Mining Inc COM 221737307   0 100,000 SH   SOLE   0 0 100,000
Exxon Mobil Corporation COM 30231G102   371,426 3,715 SH   SOLE   0 0 3,715
Fidelity National Information COM 31620m106   227,245 3,783 SH   SOLE   0 0 3,783
Home Depot Inc COM 437076102   311,202 898 SH   SOLE   0 0 898
JP Morgan Chase & Co COM 46625h100   393,800 2,315 SH   SOLE   0 0 2,315
Johnson & Johnson COM 478160104   586,985 3,745 SH   SOLE   0 0 3,745
Lockheed Martin Corp COM 539830109   226,620 500 SH   SOLE   0 0 500
MasterCard Inc COM 57636q104   553,114 1,297 SH   SOLE   0 0 1,297
Merck & Co Inc COM 58933Y105   298,279 2,736 SH   SOLE   0 0 2,736
Microsoft Corp COM 594918104   1,941,353 5,163 SH   SOLE   0 0 5,163
Procter & Gamble Co COM 742718109   339,987 2,320 SH   SOLE   0 0 2,320
Royal Gold Inc COM 780287108   288,006 2,381 SH   SOLE   0 0 2,381
Texas Instruments Inc COM 882508104   371,603 2,180 SH   SOLE   0 0 2,180
TransDigm Group Inc COM 893641100   518,951 513 SH   SOLE   0 0 513
DFA International Core Equity COM 25434V799   44,552,147 1,745,090 SH   SOLE   0 0 1,745,090
Defiance Nasdaq 100 Enhanced O COM 88636J840   641,630 36,291 SH   SOLE   0 0 36,291
Defiance S&P 500 Enhanced Opti COM 88636j832   543,871 30,148 SH   SOLE   0 0 30,148
Dimensional Emerging Markets C COM 25434V732   25,068,046 1,004,329 SH   SOLE   0 0 1,004,329
Dimensional Global Real Estate COM 25434V658   54,576,230 2,100,702 SH   SOLE   0 0 2,100,702
Dimensional International Valu COM 25434v807   921,749 26,826 SH   SOLE   0 0 26,826
Dimensional US Real Estate ETF COM 25434V823   1,330,859 58,525 SH   SOLE   0 0 58,525
Dimensional US Small Cap ETF COM 25434V500   3,083,427 51,718 SH   SOLE   0 0 51,718
Dimensional US Small Cap Value COM 25434V815   127,335,948 4,372,800 SH   SOLE   0 0 4,372,800
Engine Number 1 ETF Trust COM 29287L106   277,099 4,982 SH   SOLE   0 0 4,982
Goldman Sachs Active Beta ETF COM 381430503   357,642 3,812 SH   SOLE   0 0 3,812
IShares Core MSCI Emerging ETF COM 46434g103   1,648,824 32,598 SH   SOLE   0 0 32,598
Invesco QQQ Trust COM 46090e103   3,104,149 7,580 SH   SOLE   0 0 7,580
Invesco S&P 500 Equal Weight E COM 46137v357   893,306 5,661 SH   SOLE   0 0 5,661
OShares FTSE Russell Small Cap COM 6711op100   218,579 5,579 SH   SOLE   0 0 5,579
Pimco 0-5 Year High Yield Corp COM 72201R783   1,345,006 14,450 SH   SOLE   0 0 14,450
SPDR Financial Select Sector E COM 81369Y605   254,364 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107   645,008 3,374 SH   SOLE   0 0 3,374
SPDR S&P 500 ETF Trust COM 78462F103   131,889,115 277,480 SH   SOLE   0 0 277,480
SPDR S&P Dividend ETF COM 78464a763   280,069 2,241 SH   SOLE   0 0 2,241
SPDR S&P International Small C COM 78463x871   201,009 6,329 SH   SOLE   0 0 6,329
SPDR S&P MidCap 400 ETF Trust COM 78467y107   3,577,586 7,051 SH   SOLE   0 0 7,051
Schwab Emerging Markets COM 808524706   22,463,115 906,136 SH   SOLE   0 0 906,136
Schwab Fundamental Large Cap I COM 808524771   344,510 5,562 SH   SOLE   0 0 5,562
Schwab Fundamental US Small Co COM 808524763   336,702 6,083 SH   SOLE   0 0 6,083
Schwab Intermediate Term US Tr COM 808524854   413,919 8,325 SH   SOLE   0 0 8,325
Schwab International Equity ET COM 808524805   73,164,251 1,979,552 SH   SOLE   0 0 1,979,552
Schwab Short Term Treasury ETF COM 808524862   372,876 7,696 SH   SOLE   0 0 7,696
Schwab US Aggregate Bond ETF COM 808524839   10,190,200 218,580 SH   SOLE   0 0 218,580
Schwab US Broad Market ETF COM 808524102   6,827,021 122,634 SH   SOLE   0 0 122,634
Schwab US Dividend Equity ETF COM 808524797   1,442,978 18,954 SH   SOLE   0 0 18,954
Schwab US Large Cap ETF COM 808524201   163,341,432 2,896,125 SH   SOLE   0 0 2,896,125
Schwab US Large Cap Growth ETF COM 808524300   5,773,161 69,590 SH   SOLE   0 0 69,590
Schwab US Large Cap Value ETF COM 808524409   1,852,643 26,429 SH   SOLE   0 0 26,429
Schwab US Mid Cap ETF COM 808524508   75,594,567 1,003,645 SH   SOLE   0 0 1,003,645
Schwab US REIT ETF COM 808524847   2,467,079 119,125 SH   SOLE   0 0 119,125
Schwab US Small Cap ETF COM 808524607   1,106,787 23,429 SH   SOLE   0 0 23,429
Schwab US Tips ETF COM 808524870   2,526,167 48,394 SH   SOLE   0 0 48,394
Sector SPDR Technology Select COM 81369Y803   2,329,237 12,101 SH   SOLE   0 0 12,101
VanEck Vectors Oils Services E COM 92189f718   501,768 1,621 SH   SOLE   0 0 1,621
Vanguard Dividend Appreciation COM 921908844   3,241,241 19,021 SH   SOLE   0 0 19,021
Vanguard FTSE All-World EX-US COM 922042775   12,731,373 226,779 SH   SOLE   0 0 226,779
Vanguard Global Ex US Real Est COM 922042676   10,521,834 247,049 SH   SOLE   0 0 247,049
Vanguard Growth Vipers COM 922908736   9,728,347 31,293 SH   SOLE   0 0 31,293
Vanguard Health Care Vipers COM 92204a504   234,545 936 SH   SOLE   0 0 936
Vanguard Large Cap COM 922908637   39,191,163 179,652 SH   SOLE   0 0 179,652
Vanguard MSCI EAFE ETF COM 921943858   255,680,757 5,337,803 SH   SOLE   0 0 5,337,803
Vanguard MSCI Emerging Markets COM 922042858   96,441,710 2,346,514 SH   SOLE   0 0 2,346,514
Vanguard Mid Cap Growth Index COM 922908538   6,310,821 28,742 SH   SOLE   0 0 28,742
Vanguard Mid Cap Value COM 922908512   8,732,843 60,222 SH   SOLE   0 0 60,222
Vanguard Mid Cap Vipers COM 922908629   276,456,639 1,188,345 SH   SOLE   0 0 1,188,345
Vanguard REIT Vipers COM 922908553   21,445,332 242,704 SH   SOLE   0 0 242,704
Vanguard Russell 1000 Growth COM 92206c680   315,635 4,046 SH   SOLE   0 0 4,046
Vanguard S&P 500 ETF COM 922908363   570,430,192 1,305,930 SH   SOLE   0 0 1,305,930
Vanguard ST Inflation Protecte COM 922020805   3,766,421 79,310 SH   SOLE   0 0 79,310
Vanguard Small Cap COM 922908751   4,278,243 20,055 SH   SOLE   0 0 20,055
Vanguard Small Cap Growth COM 922908595   262,815 1,087 SH   SOLE   0 0 1,087
Vanguard Small Cap Value COM 922908611   51,663,448 287,067 SH   SOLE   0 0 287,067
Vanguard Tax Exempt Bond Index COM 922907746   272,862 5,345 SH   SOLE   0 0 5,345
Vanguard Total Bond Market ETF COM 921937835   426,811 5,803 SH   SOLE   0 0 5,803
Vanguard Total International B COM 92203j407   1,955,792 39,619 SH   SOLE   0 0 39,619
Vanguard Total International S COM 921909768   202,976 3,502 SH   SOLE   0 0 3,502
Vanguard Total Stock Market Vi COM 922908769   32,433,780 136,724 SH   SOLE   0 0 136,724
Vanguard Total World Stock Ind COM 922042742   404,326 3,930 SH   SOLE   0 0 3,930
Vanguard Value COM 922908744   7,572,671 50,653 SH   SOLE   0 0 50,653
iShares Barclays US Treasury I COM 464287176   259,911 2,418 SH   SOLE   0 0 2,418
iShares Core MSCI EAFE ETF COM 46432f842   1,159,374 16,480 SH   SOLE   0 0 16,480
iShares Core MSCI Total Intl S COM 46432f834   765,395 11,788 SH   SOLE   0 0 11,788
iShares Core S&P Total US Stoc COM 464287150   289,172 2,748 SH   SOLE   0 0 2,748
iShares Core US Aggregate Bond COM 464287226   1,426,620 14,374 SH   SOLE   0 0 14,374
iShares Core US Growth ETF COM 464287671   3,055,960 29,356 SH   SOLE   0 0 29,356
iShares DJ Select Dividend Ind COM 464287168   1,260,115 10,750 SH   SOLE   0 0 10,750
iShares ESG Advanced MSCI EAFE COM 46436E759   761,833 11,926 SH   SOLE   0 0 11,926
iShares ESG Advanced MSCI USA COM 46436E767   675,228 16,957 SH   SOLE   0 0 16,957
iShares ESG Aware MSCI EAFE ET COM 46435G516   2,694,436 35,669 SH   SOLE   0 0 35,669
iShares ESG Aware MSCI ETF COM 46434G863   1,570,940 49,000 SH   SOLE   0 0 49,000
iShares ESG Aware MSCI USA ETF COM 46435G425   1,284,326 12,241 SH   SOLE   0 0 12,241
iShares Lehman 3-7 Year Treasu COM 464288661   553,567 4,726 SH   SOLE   0 0 4,726
iShares MSCI ACWI Index Fund COM 464288257   1,017,700 10,000 SH   SOLE   0 0 10,000
iShares MSCI EAFE Index Fund COM 464287465   3,490,899 46,329 SH   SOLE   0 0 46,329
iShares MSCI EAFE Minimum Vola COM 46429b689   361,747 5,217 SH   SOLE   0 0 5,217
iShares MSCI EAFE Small Cap In COM 464288273   464,312 7,501 SH   SOLE   0 0 7,501
iShares MSCI Emerging Markets COM 464287234   831,079 20,668 SH   SOLE   0 0 20,668
iShares MSCI Emerging Markets COM 464286533   692,651 12,460 SH   SOLE   0 0 12,460
iShares MSCI Minimum Volatilit COM 46429b697   2,150,507 27,560 SH   SOLE   0 0 27,560
iShares Russell 1000 Growth COM 464287614   10,698,263 35,288 SH   SOLE   0 0 35,288
iShares Russell 1000 Index Fun COM 464287622   10,127,158 38,615 SH   SOLE   0 0 38,615
iShares Russell 1000 Value Ind COM 464287598   4,739,491 28,681 SH   SOLE   0 0 28,681
iShares Russell 2000 Growth COM 464287648   1,448,752 5,744 SH   SOLE   0 0 5,744
iShares Russell 2000 Index COM 464287655   6,684,348 33,304 SH   SOLE   0 0 33,304
iShares Russell 2000 Value COM 464287630   204,795 1,318 SH   SOLE   0 0 1,318
iShares Russell 3000 Index COM 464287689   3,109,686 11,360 SH   SOLE   0 0 11,360
iShares Russell Midcap COM 464287499   74,078,446 953,023 SH   SOLE   0 0 953,023
iShares Russell Midcap Growth COM 464287481   13,511,338 129,345 SH   SOLE   0 0 129,345
iShares Russell Midcap Value COM 464287473   10,070,043 86,594 SH   SOLE   0 0 86,594
iShares S&P Mid Cap 400 Index COM 464287507   494,713 1,785 SH   SOLE   0 0 1,785
iShares S&P Mid Cap 400 Value COM 464287705   617,389 5,414 SH   SOLE   0 0 5,414
iShares S&P Small Cap 600 Valu COM 464287879   519,147 5,037 SH   SOLE   0 0 5,037
iShares Tr S&P 500/Barra Growt COM 464287309   770,751 10,263 SH   SOLE   0 0 10,263
iShares Trust S&P 500 Index COM 464287200   20,130,427 42,146 SH   SOLE   0 0 42,146
iShares Trust S&P 500/Barra Va COM 464287408   875,936 5,037 SH   SOLE   0 0 5,037
iShares Trust S&P SmallCap 600 COM 464287804   3,209,931 29,653 SH   SOLE   0 0 29,653