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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
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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
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   40,527,621 670,654 SH   SOLE   670,654 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,953,072 87,836 SH   SOLE   87,836 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   7,140,986 79,521 SH   SOLE   79,521 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   120,717,323 1,480,286 SH   SOLE   1,480,286 0 0
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   15,925,222 343,179 SH   SOLE   343,179 0 0
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109   19,609,464 421,437 SH   SOLE   421,437 0 0
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   3,512,398 81,099 SH   SOLE   81,099 0 0
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   51,181,013 1,223,548 SH   SOLE   1,223,548 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   15,165,845 171,637 SH   SOLE   171,637 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   85,935,246 592,616 SH   SOLE   592,616 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   73,570,002 335,064 SH   SOLE   335,064 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   10,660,405 92,675 SH   SOLE   92,675 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   278,035,316 1,859,768 SH   SOLE   1,859,768 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   43,856,659 1,067,072 SH   SOLE   1,067,072 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   38,349,131 601,555 SH   SOLE   601,555 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   82,022,813 1,115,198 SH   SOLE   1,115,198 0 0
ISHARES TR TIPS BD ETF 464287176   27,312,887 254,097 SH   SOLE   254,097 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   35,929,538 231,311 SH   SOLE   231,311 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   33,580,066 133,138 SH   SOLE   133,138 0 0
ISHARES TR EAFE VALUE ETC 464288877   11,321,799 217,309 SH   SOLE   217,309 0 0