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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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
AVANTIS EMERGING MARKETS EQ ETF COM 025072604   1,191 23,616 SH   SOLE   23,616 0 0
AVANTIS INTL EQUITY ETF COM 025072703   5,432 102,129 SH   SOLE   102,129 0 0
AVANTIS SMALL CAP VALUE ETF COM 025072877   61,620 826,997 SH   SOLE   826,997 0 0
COMMUNICAT SVS SLCT SEC COM 81369Y852   318 6,617 SH   SOLE   6,617 0 0
DFA EMERGING MKTS CORE EQUITY 2 COM 25434V732   40,108 1,785,741 SH   SOLE   1,785,741 0 0
DFA INTL CORE EQUITY 2 COM 25434V799   112,966 5,054,387 SH   SOLE   5,054,387 0 0
DFA T A US CORE EQUITY E PORTFOLIO COM 25434V708   205 8,453 SH   SOLE   8,453 0 0
DFA TAX MANAGED US MARKETWIDE VALUE COM 25434v724   4,321 129,060 SH   SOLE   129,060 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609   3,356 76,358 SH   SOLE   76,358 0 0
DIMENSIONAL US SMALL CAP VALUE ETF COM 25434V815   2,031 81,997 SH   SOLE   81,997 0 0
DOUBLELINE ETF TRUST DL SHILLER CAPE COM 25861R204   16,665 793,186 SH   SOLE   793,186 0 0
FIDELITY NASDAQ COMPOSITE INDEX COM 315912808   316 7,720 SH   SOLE   7,720 0 0
INVESCO S&P 500 QUALITY COM 46137V241   37,106 843,316 SH   SOLE   843,316 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507   1,638 6,773 SH   SOLE   6,773 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859   10,456 225,150 SH   SOLE   225,150 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842   911 14,787 SH   SOLE   14,787 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103   7,575 162,200 SH   SOLE   162,200 0 0
ISHARES CORE S&P 500 COM 464287200   8,357 21,752 SH   SOLE   21,752 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150   77,227 910,694 SH   SOLE   910,694 0 0
ISHARES IBONDS 12-2024 TERM CORP COM 46434VBG4   62 2,554 SH   SOLE   2,554 0 0
ISHARES MSCI EAFE INDEX COM 464287465   196 2,987 SH   SOLE   2,987 0 0
ISHARES MSCI EMERGING MKTS COM 464287234   11 288 SH   SOLE   288 0 0
ISHARES MSCI GROWTH COM 464288885   685 8,173 SH   SOLE   8,173 0 0
ISHARES MSCI INTL QUALITY COM 46434V456   2,276 70,283 SH   SOLE   70,283 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614   928 4,332 SH   SOLE   4,332 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598   169 1,113 SH   SOLE   1,113 0 0
ISHARES RUSSELL 2000 COM 464287655   496 2,846 SH   SOLE   2,846 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630   97 701 SH   SOLE   701 0 0
ISHARES RUSSELL 3000 COM 464287689   97,150 440,229 SH   SOLE   440,229 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481   113 1,353 SH   SOLE   1,353 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473   994 9,433 SH   SOLE   9,433 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705   58,650 581,845 SH   SOLE   581,845 0 0
ISHARES S&P 500 GROWTH COM 464287309   1,427 24,398 SH   SOLE   24,398 0 0
ISHARES S&P 500 VALUE COM 464287408   1,007 6,942 SH   SOLE   6,942 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887   1,088 10,066 SH   SOLE   10,066 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804   111 1,171 SH   SOLE   1,171 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879   5,679 62,190 SH   SOLE   62,190 0 0
ISHARES SH TERM CORP BOND COM 464288646   169 3,388 SH   SOLE   3,388 0 0
ISHARES SHRT NAT MUNI COM 464288158   1,620 15,540 SH   SOLE   15,540 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226   5,418 55,861 SH   SOLE   55,861 0 0
ISHARES TRUST CORE MSCI INTL COM 46435G326   5,062 90,429 SH   SOLE   90,429 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859   30,067 1,067,315 SH   SOLE   1,067,315 0 0
JOHN HANCOCK MLTFCTR COM 47804J834   1,178 50,786 SH   SOLE   50,786 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842   1,366 44,652 SH   SOLE   44,652 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837   22,315 445,143 SH   SOLE   445,143 0 0
NASDAQ 100 ETF COM 46090E103   30,883 115,979 SH   SOLE   115,979 0 0
PACER US CASH COWS 100 ETF COM 69374H881   26,083 563,961 SH   SOLE   563,961 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817   1,838 19,764 SH   SOLE   19,764 0 0
RUSSELL 1000 INDEX COM 464287622   2,484 11,801 SH   SOLE   11,801 0 0
RUSSELL MID-CAP COM 464287499   1,982 29,379 SH   SOLE   29,379 0 0
SPDR TRUST UNIT SR COM 78462F103   1,752 4,581 SH   SOLE   4,581 0 0
S&P MID CAP 400 ETF COM 78467Y107   3,737 8,440 SH   SOLE   8,440 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706   805 34,026 SH   SOLE   34,026 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805   3,210 99,674 SH   SOLE   99,674 0 0
SCHWAB SHORT-TERM TREAS US BOND COM 808524862   20,980 434,908 SH   SOLE   434,908 0 0
SCHWAB US AGGREGATE BOND COM 808524839   729 15,973 SH   SOLE   15,973 0 0
SCHWAB US BROAD MARKET COM 808524102   175,770 3,922,551 SH   SOLE   3,922,551 0 0
SCHWAB US LARGE CAP VALUE COM 808524409   79 1,189 SH   SOLE   1,189 0 0
SCHWAB US LARGE CAP ETF COM 808524201   764 16,291 SH   SOLE   16,291 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300   317 5,713 SH   SOLE   5,713 0 0
SCHWAB US MID CAP COM 808524508   2 28 SH   SOLE   28 0 0
SCHWAB US SMALL CAP COM 808524607   627 15,470 SH   SOLE   15,470 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109   230 694 SH   SOLE   694 0 0
SPDR NUVEEN BARCLAYS ST MUNI COM 78468R739   7 150 SH   SOLE   150 0 0
SPDR PORTFOLIO EMERG MARKETS COM 78463X509   2 63 SH   SOLE   63 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889   8 254 SH   SOLE   254 0 0
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   39 603 SH   SOLE   603 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300   25,154 338,907 SH   SOLE   338,907 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721   1,093 23,958 SH   SOLE   23,958 0 0
SPDR SERIES TR PORTFOLIO SH TSR COM 78468R101   2,720 94,164 SH   SOLE   94,164 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805   9,290 196,444 SH   SOLE   196,444 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884   75 909 SH   SOLE   909 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844   38,149 251,230 SH   SOLE   251,230 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858   147 3,502 SH   SOLE   3,502 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858   44 1,126 SH   SOLE   1,126 0 0
VANGUARD MID-CAP ETF COM 922908629   25 123 SH   SOLE   123 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512   14,410 106,554 SH   SOLE   106,554 0 0
VANGUARD RUSSELL 3000 INDEX FD ETF COM 92206C599   29,552 172,065 SH   SOLE   172,065 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778   2,264 14,416 SH   SOLE   14,416 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827   1,356 18,018 SH   SOLE   18,018 0 0
VANGUARD SHORT TERM CORP BD COM 92206C409   15 202 SH   SOLE   202 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102   32,298 558,603 SH   SOLE   558,603 0 0
VANGUARD SMALL CAP VALUE COM 922908611   250 1,574 SH   SOLE   1,574 0 0
VANGUARD TOTAL BOND MARKET COM 921937835   2,548 35,471 SH   SOLE   35,471 0 0
VANGUARD TOTAL INTERNATIONAL COM 921909768   29 557 SH   SOLE   557 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769   46,996 245,810 SH   SOLE   245,810 0 0
VANGUARD VALUE ETF COM 922908744   128 912 SH   SOLE   912 0 0