Alphabet Inc Cl A COM 02079k305 1621838 5640 SH SOLE 0 0 5640 Alphabet Inc Cl C COM 02079k107 321283 1120 SH SOLE 0 0 1120 Amazon Communications COM 023135106 398837 1915 SH SOLE 0 0 1915 Apple Inc COM 037833100 1294911 5102 SH SOLE 0 0 5102 Berkshire Hathaway Cl B COM 084670702 1989159 4151 SH SOLE 0 0 4151 Costco Wholesale Corp COM 22160K105 526115 528 SH SOLE 0 0 528 Exxon Mobil Corporation COM 30231G102 692891 4084 SH SOLE 0 0 4084 Home Depot Inc COM 437076102 279557 850 SH SOLE 0 0 850 Johnson & Johnson COM 478160104 403712 1652 SH SOLE 0 0 1652 MasterCard Inc COM 57636q104 509251 1019 SH SOLE 0 0 1019 Merck & Co Inc COM 58933Y105 334012 2777 SH SOLE 0 0 2777 Microsoft Corp COM 594918104 1320997 3569 SH SOLE 0 0 3569 Nextera Energy Inc COM 65339f101 225884 2432 SH SOLE 0 0 2432 Procter & Gamble Co COM 742718109 265294 1837 SH SOLE 0 0 1837 Royal Gold Inc COM 780287108 206900 813 SH SOLE 0 0 813 TransDigm Group Inc COM 893641100 470538 406 SH SOLE 0 0 406 Union Pacific Corp COM 907818108 242620 1000 SH SOLE 0 0 1000 Bluerock Private Real Estate F COM 09631P102 329611 19844 SH SOLE 0 0 19844 DFA International Core Equity COM 25434V799 170057003 4786293 SH SOLE 0 0 4786293 Dimensional Emerging Markets C COM 25434V732 79885142 2312160 SH SOLE 0 0 2312160 Dimensional Global Real Estate COM 25434V658 168626460 6344111 SH SOLE 0 0 6344111 Dimensional International Core COM 25434V575 4005592 76369 SH SOLE 0 0 76369 Dimensional International Valu COM 25434v807 2791018 52880 SH SOLE 0 0 52880 Dimensional Intl Core Equity M COM 25434V203 252422 6479 SH SOLE 0 0 6479 Dimensional US Real Estate ETF COM 25434V823 1642351 69444 SH SOLE 0 0 69444 Dimensional US Small Cap ETF COM 25434V500 6684015 93969 SH SOLE 0 0 93969 Dimensional US Small Cap Value COM 25434V815 216945035 6191354 SH SOLE 0 0 6191354 Goldman Sachs Active Beta ETF COM 381430503 334700 2675 SH SOLE 0 0 2675 IShares Core MSCI Emerging ETF COM 46434g103 1784391 25583 SH SOLE 0 0 25583 Invesco QQQ Trust COM 46090e103 7445479 12900 SH SOLE 0 0 12900 Invesco S&P 500 Equal Weight E COM 46137v357 1127914 5877 SH SOLE 0 0 5877 OShares FTSE Russell Small Cap COM 6711op100 244019 5579 SH SOLE 0 0 5579 SPDR Financial Select Sector E COM 81369Y605 496366 10054 SH SOLE 0 0 10054 SPDR Gold Shares COM 78463v107 1087343 2527 SH SOLE 0 0 2527 SPDR Portfolio Developed World COM 78463x889 240621 5271 SH SOLE 0 0 5271 SPDR S&P 500 ETF Trust COM 78462F103 171471585 263665 SH SOLE 0 0 263665 SPDR S&P 500 Growth ETF COM 78464a409 209136 2136 SH SOLE 0 0 2136 SPDR S&P 500 Value ETF COM 78464a508 378803 6695 SH SOLE 0 0 6695 SPDR S&P Dividend ETF COM 78464a763 314367 2154 SH SOLE 0 0 2154 SPDR S&P International Small C COM 78463x871 267274 6329 SH SOLE 0 0 6329 SPDR S&P MidCap 400 ETF Trust COM 78467y107 4185394 6786 SH SOLE 0 0 6786 Schwab Emerging Markets COM 808524706 31066066 942824 SH SOLE 0 0 942824 Schwab Fundamental Intl Large COM 808524755 515032 10526 SH SOLE 0 0 10526 Schwab Fundamental Large Cap I COM 808524771 627878 22545 SH SOLE 0 0 22545 Schwab Fundamental US Small Co COM 808524763 745556 22990 SH SOLE 0 0 22990 Schwab International Equity ET COM 808524805 101872901 4116077 SH SOLE 0 0 4116077 Schwab US Aggregate Bond ETF COM 808524839 2316282 99754 SH SOLE 0 0 99754 Schwab US Broad Market ETF COM 808524102 7546402 300653 SH SOLE 0 0 300653 Schwab US Dividend Equity ETF COM 808524797 2336873 76169 SH SOLE 0 0 76169 Schwab US Large Cap ETF COM 808524201 213670516 8333483 SH SOLE 0 0 8333483 Schwab US Large Cap Growth ETF COM 808524300 7422948 254821 SH SOLE 0 0 254821 Schwab US Large Cap Value ETF COM 808524409 1309645 42939 SH SOLE 0 0 42939 Schwab US Mid Cap ETF COM 808524508 95347525 3079700 SH SOLE 0 0 3079700 Schwab US REIT ETF COM 808524847 2357066 109682 SH SOLE 0 0 109682 Schwab US Small Cap ETF COM 808524607 1640215 56404 SH SOLE 0 0 56404 Schwab US Tips ETF COM 808524870 2422042 91020 SH SOLE 0 0 91020 Sector SPDR Technology Select COM 81369Y803 3475814 26154 SH SOLE 0 0 26154 Vanguard Dividend Appreciation COM 921908844 4225204 19647 SH SOLE 0 0 19647 Vanguard FTSE All-World EX-US COM 922042775 16105720 214457 SH SOLE 0 0 214457 Vanguard Global Ex US Real Est COM 922042676 9290112 209001 SH SOLE 0 0 209001 Vanguard Growth Vipers COM 922908736 11646544 26664 SH SOLE 0 0 26664 Vanguard Large Cap COM 922908637 43950581 147066 SH SOLE 0 0 147066 Vanguard MSCI EAFE ETF COM 921943858 402155134 6275829 SH SOLE 0 0 6275829 Vanguard MSCI Emerging Markets COM 922042858 158384156 2930327 SH SOLE 0 0 2930327 Vanguard Mega Cap Growth ETF COM 921910816 303505 826 SH SOLE 0 0 826 Vanguard Mid Cap Growth Index COM 922908538 6698467 26029 SH SOLE 0 0 26029 Vanguard Mid Cap Value COM 922908512 10865165 58960 SH SOLE 0 0 58960 Vanguard Mid Cap Vipers COM 922908629 401080366 1396617 SH SOLE 0 0 1396617 Vanguard REIT Vipers COM 922908553 22625489 255079 SH SOLE 0 0 255079 Vanguard Russell 1000 Growth COM 92206c680 530413 4836 SH SOLE 0 0 4836 Vanguard S&P 500 ETF COM 922908363 833440799 1394763 SH SOLE 0 0 1394763 Vanguard S&P Mid Cap 400 Value COM 921932844 212668 2086 SH SOLE 0 0 2086 Vanguard ST Inflation Protecte COM 922020805 2838276 56822 SH SOLE 0 0 56822 Vanguard Small Cap COM 922908751 5331423 20355 SH SOLE 0 0 20355 Vanguard Small Cap Growth COM 922908595 229119 758 SH SOLE 0 0 758 Vanguard Small Cap Value COM 922908611 85207711 392210 SH SOLE 0 0 392210 Vanguard Total Bond Market ETF COM 921937835 814164 11056 SH SOLE 0 0 11056 Vanguard Total International B COM 92203j407 1870922 38937 SH SOLE 0 0 38937 Vanguard Total International S COM 921909768 2206811 28619 SH SOLE 0 0 28619 Vanguard Total Stock Market Vi COM 922908769 48251070 150404 SH SOLE 0 0 150404 Vanguard Total World Stock Ind COM 922042742 688824 4980 SH SOLE 0 0 4980 Vanguard Utilities ETF COM 92204a876 265938 1342 SH SOLE 0 0 1342 Vanguard Value COM 922908744 9591962 48889 SH SOLE 0 0 48889 WidsomTree US Large Cap Divide COM 97717w307 348593 3902 SH SOLE 0 0 3902 iShares Barclays US Treasury I COM 464287176 433715 3930 SH SOLE 0 0 3930 iShares Bitcoin COM 46438F101 223797 5825 SH SOLE 0 0 5825 iShares Core Dividend Growth COM 46434v621 231594 3300 SH SOLE 0 0 3300 iShares Core Growth Allocation COM 464289867 257143 3996 SH SOLE 0 0 3996 iShares Core MSCI EAFE ETF COM 46432f842 1838025 20303 SH SOLE 0 0 20303 iShares Core MSCI Total Intl S COM 46432f834 1146594 13234 SH SOLE 0 0 13234 iShares Core S&P Total US Stoc COM 464287150 513887 3608 SH SOLE 0 0 3608 iShares Core US Aggregate Bond COM 464287226 1857659 18713 SH SOLE 0 0 18713 iShares Core US Growth ETF COM 464287671 4080479 26307 SH SOLE 0 0 26307 iShares DJ Select Dividend Ind COM 464287168 1692310 11177 SH SOLE 0 0 11177 iShares ESG Advanced MSCI EAFE COM 46436E759 696328 9229 SH SOLE 0 0 9229 iShares ESG Advanced MSCI USA COM 46436E767 642142 11633 SH SOLE 0 0 11633 iShares ESG Aware MSCI EAFE ET COM 46435G516 2647527 27688 SH SOLE 0 0 27688 iShares ESG Aware MSCI ETF COM 46434G863 1515652 33333 SH SOLE 0 0 33333 iShares ESG Aware MSCI USA ETF COM 46435G425 1456626 10300 SH SOLE 0 0 10300 iShares Lehman 3-7 Year Treasu COM 464288661 355207 2995 SH SOLE 0 0 2995 iShares MSCI ACWI Index Fund COM 464288257 1383700 10000 SH SOLE 0 0 10000 iShares MSCI All Country World COM 464286525 207708 1738 SH SOLE 0 0 1738 iShares MSCI EAFE Growth Index COM 464288885 268513 2411 SH SOLE 0 0 2411 iShares MSCI EAFE Index Fund COM 464287465 4242239 43676 SH SOLE 0 0 43676 iShares MSCI EAFE Minimum Vola COM 46429b689 477956 5231 SH SOLE 0 0 5231 iShares MSCI EAFE Small Cap In COM 464288273 589565 7519 SH SOLE 0 0 7519 iShares MSCI EAFE Value Index COM 464288877 208862 2809 SH SOLE 0 0 2809 iShares MSCI Emerging Markets COM 464287234 1567767 27606 SH SOLE 0 0 27606 iShares MSCI Emerging Markets COM 464286533 730326 11283 SH SOLE 0 0 11283 iShares MSCI Minimum Volatilit COM 46429b697 1191431 12847 SH SOLE 0 0 12847 iShares Russell 1000 Growth COM 464287614 14889513 34919 SH SOLE 0 0 34919 iShares Russell 1000 Index Fun COM 464287622 13177728 36958 SH SOLE 0 0 36958 iShares Russell 1000 Value Ind COM 464287598 5206012 24365 SH SOLE 0 0 24365 iShares Russell 2000 Growth COM 464287648 2090916 6663 SH SOLE 0 0 6663 iShares Russell 2000 Index COM 464287655 7397807 29830 SH SOLE 0 0 29830 iShares Russell 2000 Value COM 464287630 2009464 10599 SH SOLE 0 0 10599 iShares Russell 3000 Index COM 464287689 2681532 7234 SH SOLE 0 0 7234 iShares Russell Midcap COM 464287499 89098768 916371 SH SOLE 0 0 916371 iShares Russell Midcap Growth COM 464287481 14685031 114619 SH SOLE 0 0 114619 iShares Russell Midcap Value COM 464287473 10806160 74147 SH SOLE 0 0 74147 iShares S&P Mid Cap 400 Index COM 464287507 1201040 17785 SH SOLE 0 0 17785 iShares S&P Mid Cap 400 Value COM 464287705 1029672 7771 SH SOLE 0 0 7771 iShares S&P Small Cap 600 Valu COM 464287879 446243 3767 SH SOLE 0 0 3767 iShares Tr S&P 500/Barra Growt COM 464287309 1761349 15572 SH SOLE 0 0 15572 iShares Trust S&P 500 Index COM 464287200 26416750 40441 SH SOLE 0 0 40441 iShares Trust S&P 500/Barra Va COM 464287408 798843 3783 SH SOLE 0 0 3783 iShares Trust S&P SmallCap 600 COM 464287804 3392918 27294 SH SOLE 0 0 27294