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
AVANTIS EMERGING MARKETS EQ ETF COM 025072604   1,339 23,746 SH   SOLE   23,746 0 0
AVANTIS INTL EQUITY ETF COM 025072703   3,797 62,835 SH   SOLE   62,835 0 0
AVANTIS SMALL CAP VALUE ETF COM 025072877   81,554 908,177 SH   SOLE   908,177 0 0
DFA EMERGING MKTS CORE EQUITY 2 COM 25434V732   50,855 2,037,449 SH   SOLE   2,037,449 0 0
DFA INTL CORE EQUITY 2 COM 25434V799   139,591 5,467,727 SH   SOLE   5,467,727 0 0
DFA T A US CORE EQUITY 2 PORTFOLIO COM 25434V708   250 8,548 SH   SOLE   8,548 0 0
DFA TAX MANAGED US MARKETWIDE VALUE COM 25434v724   4,650 124,933 SH   SOLE   124,933 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609   3,891 74,354 SH   SOLE   74,354 0 0
DIMENSIONAL US SMALL CAP VALUE ETF COM 25434V815   2,164 74,322 SH   SOLE   74,322 0 0
DOUBLELINE ETF TRUST DL SHILLER CAPE COM 25861R204   16,357 616,568 SH   SOLE   616,568 0 0
INVESCO QQQ TRUST ETF COM 46138G649   1,002 5,947 SH   SOLE   5,947 0 0
INVESCO S&P 500 QUALITY COM 46137V241   44,532 823,442 SH   SOLE   823,442 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507   1,589 5,734 SH   SOLE   5,734 0 0
ISHARES 0-3 MONTH TREAS BD ETF COM 46436E718   27,133 270,595 SH   SOLE   270,595 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859   607 12,762 SH   SOLE   12,762 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842   1,001 14,233 SH   SOLE   14,233 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103   7,675 151,737 SH   SOLE   151,737 0 0
ISHARES CORE S&P 500 COM 464287200   8,862 18,554 SH   SOLE   18,554 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150   120,669 1,146,713 SH   SOLE   1,146,713 0 0
ISHARES MSCI EAFE INDEX COM 464287465   230 3,050 SH   SOLE   3,050 0 0
ISHARES MSCI EMERGING MKTS COM 464287234   4 96 SH   SOLE   96 0 0
ISHARES MSCI GROWTH COM 464288885   793 8,190 SH   SOLE   8,190 0 0
ISHARES MSCI INTL QUALITY COM 46434V456   4,355 115,944 SH   SOLE   115,944 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614   982 3,240 SH   SOLE   3,240 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598   184 1,116 SH   SOLE   1,116 0 0
ISHARES RUSSELL 2000 COM 464287655   770 3,836 SH   SOLE   3,836 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648   11 45 SH   SOLE   45 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630   113 724 SH   SOLE   724 0 0
ISHARES RUSSELL 3000 COM 464287689   114,263 417,414 SH   SOLE   417,414 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481   142 1,361 SH   SOLE   1,361 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473   1,118 9,613 SH   SOLE   9,613 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705   68,206 598,091 SH   SOLE   598,091 0 0
ISHARES S&P 500 GROWTH COM 464287309   1,708 22,744 SH   SOLE   22,704 0 0
ISHARES S&P 500 VALUE COM 464287408   959 5,513 SH   SOLE   5,513 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887   1,263 10,092 SH   SOLE   10,092 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804   140 1,290 SH   SOLE   1,290 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879   5,320 51,613 SH   SOLE   51,613 0 0
ISHARES SHRT NAT MUNI COM 464288158   3,176 30,120 SH   SOLE   30,120 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226   9,035 91,034 SH   SOLE   91,034 0 0
ISHARES TRUST COM 464288414   466 4,294 SH   SOLE   4,294 0 0
ISHARES TRUST CORE MSCI INTL COM 46435G326   3,263 51,249 SH   SOLE   51,249 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859   33,038 1,013,294 SH   SOLE   1,013,294 0 0
JOHN HANCOCK MLTFCTR COM 47804J834   795 31,245 SH   SOLE   31,245 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842   1,653 45,206 SH   SOLE   45,017 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837   21,547 428,971 SH   SOLE   428,971 0 0
NASDAQ 100 ETF COM 46090E103   45,406 110,876 SH   SOLE   110,876 0 0
PACER US CASH COWS 100 ETF COM 69374H881   34,788 669,129 SH   SOLE   669,129 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817   1,136 11,682 SH   SOLE   11,682 0 0
RUSSELL 1000 INDEX COM 464287622   2,839 10,824 SH   SOLE   10,824 0 0
RUSSELL MID-CAP COM 464287499   2,187 28,141 SH   SOLE   28,141 0 0
SPDR TRUST UNIT SR COM 78462F103   2,169 4,564 SH   SOLE   4,564 0 0
S&P MID CAP 400 ETF COM 78467Y107   4,100 8,082 SH   SOLE   8,082 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706   479 19,309 SH   SOLE   19,309 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805   2,779 75,199 SH   SOLE   75,199 0 0
SCHWAB SHORT-TERM TREAS US BOND COM 808524862   12,483 257,639 SH   SOLE   257,639 0 0
SCHWAB US AGGREGATE BOND COM 808524839   371 7,960 SH   SOLE   7,960 0 0
SCHWAB US BROAD MARKET COM 808524102   196,737 3,533,985 SH   SOLE   3,533,985 0 0
SCHWAB US LARGE CAP VALUE COM 808524409   85 1,214 SH   SOLE   1,214 0 0
SCHWAB US LARGE CAP ETF COM 808524201   1,119 19,844 SH   SOLE   19,844 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300   472 5,694 SH   SOLE   5,694 0 0
SCHWAB US MID CAP COM 808524508   2 23 SH   SOLE   28 0 0
SCHWAB US SMALL CAP COM 808524607   421 8,922 SH   SOLE   8,922 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109   276 733 SH   SOLE   733 0 0
SPDR NUVEEN BARCLAYS S/T MUNI COM 78468R739   495 10,359 SH   SOLE   10,359 0 0
SPDR PORTFOLIO EMERG MARKETS COM 78463X509   11 297 SH   SOLE   297 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889   6 190 SH   SOLE   190 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300   26,561 318,818 SH   SOLE   318,818 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721   3,046 64,805 SH   SOLE   64,805 0 0
SPDR SHORT TERM TREASURY ETF COM 78468R101   3,220 110,826 SH   SOLE   110,826 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805   9,837 168,298 SH   SOLE   168,298 0 0
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   44 603 SH   SOLE   603 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884   2 19 SH   SOLE   19 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844   42,732 250,776 SH   SOLE   250,776 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858   238 4,961 SH   SOLE   4,961 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858   32 789 SH   SOLE   789 0 0
VANGUARD MID-CAP ETF COM 922908629   35 152 SH   SOLE   152 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512   14,710 101,441 SH   SOLE   101,441 0 0
VANGUARD RUSSELL 3000 INDEX FD ETF COM 92206C599   6,703 31,495 SH   SOLE   31,495 0 0
VANGUARD S&P 500 ETF COM 922908363   326 746 SH   SOLE   746 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778   2,409 27,216 SH   SOLE   27,216 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827   1,172 15,221 SH   SOLE   15,221 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102   63,592 1,090,209 SH   SOLE   1,090,209 0 0
VANGUARD SMALL CAP VALUE COM 922908611   276 1,532 SH   SOLE   1,532 0 0
VANGUARD TOTAL BOND MARKET COM 921937835   2,402 32,651 SH   SOLE   32,651 0 0
VANGUARD TOTAL INTERNATIONAL COM 921909768   26 447 SH   SOLE   447 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769   52,415 220,853 SH   SOLE   220,953 0 0
VANGUARD VALUE ETF COM 922908744   132 883 SH   SOLE   883 0 0