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
Abbott Laboratories COM 002824100   476,081 3,589 SH   SOLE   0 0 3,589
Abbvie Inc COM 00287Y109   1,081,333 5,161 SH   SOLE   0 0 5,161
Accenture Plc Cl A COM G1151C101   258,057 827 SH   SOLE   0 0 827
Amazon Com Inc COM 023135106   2,438,562 12,817 SH   SOLE   0 0 12,817
Angel Oak UltraShort Income ETF ETF 03463K752   746,323 14,608 SH   SOLE   0 0 14,608
Apple Computer Inc ETF 037833100   5,319,593 23,948 SH   SOLE   0 0 23,948
AURORA INNOVATION CL A ORD COM 051774107   128,589 19,121 SH   SOLE   0 0 19,121
Avantis Emerging Markets EQ ETF COM 025072604   25,132,126 417,685 SH   SOLE   0 0 417,685
Avantis International Equity ETF COM 025072703   48,948,171 738,617 SH   SOLE   0 0 738,617
Avantis Real Estate ETF COM 025072356   311,306 7,238 SH   SOLE   0 0 7,238
Avantis Responsible International Equity ETF COM 025072299   558,354 9,309 SH   SOLE   0 0 9,309
Avantis Responsible US Equity ETF ETF 025072281   1,361,007 21,825 SH   SOLE   0 0 21,825
Avantis U.S. Equity ETF ETF 025072885   536,266 5,805 SH   SOLE   0 0 5,805
Avantis US Small Cap Value ETF ETF 025072877   4,342,548 49,817 SH   SOLE   0 0 49,817
Berkshire Hathaway B New COM 084670702   1,202,033 2,257 SH   SOLE   0 0 2,257
Berkshire Hathaway Inc A COM 084670108   798,442 1 SH   SOLE   0 0 1
BLOXX BBB 1-5 YR Core Bond ETF ETF 09789C754   1,166,135 22,843 SH   SOLE   0 0 22,843
Carvana Co COM 146869102   665,711 3,184 SH   SOLE   0 0 3,184
ClearSign Technologies Corp COM 185064102   9,750 13,000 SH   SOLE   0 0 13,000
Costco Whsl Corp New COM 22160K105   345,210 365 SH   SOLE   0 0 365
Deere & Co COM 244199105   383,928 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302   18,281,959 706,140 SH   SOLE   0 0 706,140
DFA Int'l Core Equity ETF ETF 25434V203   12,056,591 386,058 SH   SOLE   0 0 386,058
DFA National Muni ETF 25434V849   231,904 4,875 SH   SOLE   0 0 4,875
DFA Tax Managed Intl COM 25434V807   2,021,884 51,369 SH   SOLE   0 0 51,369
DFA Tax-Managed US Marketwide Value II ETF 25434V724   12,495,408 303,213 SH   SOLE   0 0 303,213
DFA U.S. Equity ETF ETF 25434V401   676,348 11,183 SH   SOLE   0 0 11,183
DFA U.S. Small Cap (TM) ETF 25434V500   402,237 6,732 SH   SOLE   0 0 6,732
DFA U.S. Small Cap Value (TM) ETF 25434V609   3,766,185 73,144 SH   SOLE   0 0 73,144
DFA US Core Equity ETF ETF 25434V104   7,008,073 182,312 SH   SOLE   0 0 182,312
Dimensional Short-Duration Fixed Inc ETF ETF 25434V864   39,231,025 825,569 SH   SOLE   0 0 825,569
Dimensional US Large Cap Value ETF ETF 25434V666   18,773,985 614,131 SH   SOLE   0 0 614,131
Dimensional US Real Estate ETF ETF 25434V823   960,023 40,388 SH   SOLE   0 0 40,388
Dimensional US Small Cap Value ETF ETF 25434V815   12,496,315 443,919 SH   SOLE   0 0 443,919
DTE Energy Company COM 233331107   261,637 1,892 SH   SOLE   0 0 1,892
Enbridge Inc COM 29250N105   262,271 5,919 SH   SOLE   0 0 5,919
Exxon Mobil Corporation COM 30231G102   755,533 6,353 SH   SOLE   0 0 6,353
Fidelity Small-Mid Multifactor ETF ETF 316092527   353,777 9,034 SH   SOLE   0 0 9,034
Goldman Sachs Group Inc COM 38141G104   306,469 561 SH   SOLE   0 0 561
Google Inc. Class A COM 02079K305   313,301 2,026 SH   SOLE   0 0 2,026
Google Inc. Class C COM 02079K107   242,272 1,551 SH   SOLE   0 0 1,551
Home Depot Inc COM 437076102   303,153 827 SH   SOLE   0 0 827
Invesco QQQ Trust ETF 46090E103   1,347,513 2,874 SH   SOLE   0 0 2,874
ISHARES 0 TO 3 MNTH TREASURY BND ETF ETF 46436E718   3,149,501 31,285 SH   SOLE   0 0 31,285
iShares 1-3 Year Treasury Bond ETF ETF 464287457   453,707 5,484 SH   SOLE   0 0 5,484
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   5,475,388 104,552 SH   SOLE   0 0 104,552
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638   1,347,191 25,651 SH   SOLE   0 0 25,651
iShares Aggregate Bond Fd COM 464287226   561,767 5,679 SH   SOLE   0 0 5,679
iShares Broad USD High Yield Corp Bd ETF ETF 46435U853   257,558 6,997 SH   SOLE   0 0 6,997
iShares C&S Real Estate ETF 464287564   278,239 4,522 SH   SOLE   0 0 4,522
iShares Core 1-5 Year USD Bond ETF ETF 46432F859   732,551 15,151 SH   SOLE   0 0 15,151
iShares Core MSCI Emerging Markets ETF ETF 46434G103   1,607,982 29,794 SH   SOLE   0 0 29,794
iShares Core S&P 500 ETF COM 464287200   21,196,110 37,722 SH   SOLE   0 0 37,722
iShares Core S&P Mid-Cap ETF ETF 464287507   2,369,010 40,600 SH   SOLE   0 0 40,600
iShares Core S&P Small-Cap ETF ETF 464287804   2,411,175 23,058 SH   SOLE   0 0 23,058
iShares Core S&P Total US Stock Mkt ETF COM 464287150   5,172,851 42,397 SH   SOLE   0 0 42,397
iShares Core Total USD Bond Market ETF ETF 46434V613   20,999,218 455,712 SH   SOLE   0 0 455,712
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   388,529 8,183 SH   SOLE   0 0 8,183
Ishares Floating Rate ETF 46429B655   37,593,130 736,398 SH   SOLE   0 0 736,398
iShares Global REIT ETF ETF 46434V647   19,790,553 815,769 SH   SOLE   0 0 815,769
Ishares High Yield ETF 46434V407   730,068 17,170 SH   SOLE   0 0 17,170
iShares MBS Bond Fd ETF 464288588   723,888 7,719 SH   SOLE   0 0 7,719
iShares MSCI EAFE ETF ETF 464287465   1,173,246 14,355 SH   SOLE   0 0 14,355
iShares MSCI Emerging Markets ETF ETF 464287234   479,433 10,971 SH   SOLE   0 0 10,971
iShares National Muni Bond ETF ETF 464288414   14,897,723 141,291 SH   SOLE   0 0 141,291
iShares Russell 1000 ETF ETF 464287622   550,199 1,794 SH   SOLE   0 0 1,794
iShares Russell Mid-Cap ETF ETF 464287499   267,971 3,150 SH   SOLE   0 0 3,150
iShares Russell Mid-Cap Growth ETF ETF 464287481   259,300 2,207 SH   SOLE   0 0 2,207
iShares S&P 500 Growth ETF ETF 464287309   3,222,280 34,712 SH   SOLE   0 0 34,712
iShares S&P 500 Value ETF ETF 464287408   1,357,882 7,125 SH   SOLE   0 0 7,125
iShares Short-Term National Muni Bond ETF ETF 464288158   5,034,586 47,676 SH   SOLE   0 0 47,676
iShares Ultra Short-Term Bond ETF ETF 46434V878   57,307,309 1,130,322 SH   SOLE   0 0 1,130,322
JPMorgan Active Bond ETF ETF 46654Q716   79,768,756 1,490,448 SH   SOLE   0 0 1,490,448
JPMorgan Chase & Co. ETF 46625H100   899,760 3,668 SH   SOLE   0 0 3,668
JPMorgan Equity Premium Income ETF COM 46641Q332   806,089 14,107 SH   SOLE   0 0 14,107
JPMorgan Municipal ETF ETF 46641Q647   7,372,200 147,444 SH   SOLE   0 0 147,444
JPMorgan Ultra-Short Income ETF ETF 46641Q837   492,930 9,736 SH   SOLE   0 0 9,736
JPMorgan Ultra-Short Municipal Inc ETF ETF 46641Q654   9,865,815 194,018 SH   SOLE   0 0 194,018
Lilly Eli & Company ETF 532457108   1,693,116 2,050 SH   SOLE   0 0 2,050
Mastercard Inc COM 57636Q104   660,485 1,205 SH   SOLE   0 0 1,205
Mc Donalds Corp ETF 580135101   808,146 2,587 SH   SOLE   0 0 2,587
Microsoft Corp ETF 594918104   1,244,221 3,314 SH   SOLE   0 0 3,314
Mid Cap S P D R TRUST ETF 78467Y107   5,742,515 10,764 SH   SOLE   0 0 10,764
Northrop Grumman Corp ETF 666807102   915,986 1,789 SH   SOLE   0 0 1,789
Nuveen ESG Large-Cap Value ETF ETF 67092P300   773,399 19,101 SH   SOLE   0 0 19,101
Oracle Corporation COM 68389X105   226,912 1,623 SH   SOLE   0 0 1,623
PIMCO MULTISECTOR BOND ACTV ETF ETF 72201R585   279,310 10,600 SH   SOLE   0 0 10,600
Powershare Ftse Rafi US ETF 46137V613   1,260,994 31,205 SH   SOLE   0 0 31,205
Russell 1000/ Lrg. Growth ETF 464287614   3,656,502 10,126 SH   SOLE   0 0 10,126
Russell 1000/ Lrg. Value ETF 464287598   4,604,856 24,473 SH   SOLE   0 0 24,473
Russell 2000/ Small Growth ETF 464287648   397,349 1,555 SH   SOLE   0 0 1,555
Russell 2000/ Small Value ETF 464287630   545,902 3,616 SH   SOLE   0 0 3,616
Russell 2000/Small Blend ETF 464287655   8,787,831 44,051 SH   SOLE   0 0 44,051
Russell 3000 ETF 464287689   17,080,462 53,773 SH   SOLE   0 0 53,773
Schw Emg Mkt Eq Etf ETF 808524706   487,529 17,683 SH   SOLE   0 0 17,683
Schw Intl Eq Etf ETF 808524805   2,834,589 143,306 SH   SOLE   0 0 143,306
Schw US Brd Mkt Etf ETF 808524102   4,609,788 214,110 SH   SOLE   0 0 214,110
Schw US Scap Etf ETF 808524607   311,232 13,283 SH   SOLE   0 0 13,283
Schwab Fundamental Inl ETF 808524755   332,994 9,214 SH   SOLE   0 0 9,214
Schwab Short-Term U.S. Treasury ETF ETF 808524862   1,372,508 56,389 SH   SOLE   0 0 56,389
Schwab US Large Cap ETF 808524300   496,344 19,822 SH   SOLE   0 0 19,822
Schwab US Large Cap Etf ETF 808524201   236,156 10,695 SH   SOLE   0 0 10,695
Schwab US Large Cap Value ETF 808524409   8,560,463 322,064 SH   SOLE   0 0 322,064
Sector Spdr Fincl Select ETF 81369Y605   236,598 4,750 SH   SOLE   0 0 4,750
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF ETF 78468R663   6,063,628 66,103 SH   SOLE   0 0 66,103
SPDR DoubleLine Total Return Tact ETF ETF 78467V848   4,380,087 108,714 SH   SOLE   0 0 108,714
SPDR Dow Jones Industrial Average ETF ETF 78467X109   293,916 700 SH   SOLE   0 0 700
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   1,177,776 23,062 SH   SOLE   0 0 23,062
SPDR Trust (S&P 500) ETF 78462F103   22,724,925 40,624 SH   SOLE   0 0 40,624
UMB Financial Corp COM 902788108   2,184,367 21,606 SH   SOLE   0 0 21,606
VanEck Short Muni ETF ETF 92189F528   1,594,120 93,033 SH   SOLE   0 0 93,033
Vanguard Core Bond ETF ETF 922020748   59,886,613 773,429 SH   SOLE   0 0 773,429
Vanguard Core-Plus Bond ETF ETF 922020755   10,405,994 134,167 SH   SOLE   0 0 134,167
Vanguard Div Apprciation ETF 921908844   468,680 2,416 SH   SOLE   0 0 2,416
Vanguard Emerging Market ETF 922042858   1,723,501 38,080 SH   SOLE   0 0 38,080
Vanguard ESG Int'l ETF ETF 921910725   7,539,885 127,838 SH   SOLE   0 0 127,838
Vanguard ESG U.S. Stock ETF ETF 921910733   13,468,419 137,503 SH   SOLE   0 0 137,503
Vanguard Growth ETF 922908736   6,804,415 18,350 SH   SOLE   0 0 18,350
Vanguard High Dividend ETF ETF 921946406   2,814,552 21,825 SH   SOLE   0 0 21,825
Vanguard Info Technology ETF 92204A702   637,839 1,176 SH   SOLE   0 0 1,176
Vanguard Interm Bond Index ETF ETF 921937819   5,464,311 71,364 SH   SOLE   0 0 71,364
Vanguard Intermediate ETF 92206C870   1,898,549 23,221 SH   SOLE   0 0 23,221
Vanguard Mid Cap ETF 922908629   563,899 2,180 SH   SOLE   0 0 2,180
Vanguard Mortgage Backed ETF 92206C771   3,386,048 73,117 SH   SOLE   0 0 73,117
Vanguard Msci Eafe Etf ETF 921943858   2,334,114 45,920 SH   SOLE   0 0 45,920
Vanguard Reit ETF 922908553   7,104,583 78,469 SH   SOLE   0 0 78,469
Vanguard Russell 1000 ETF 92206C714   1,335,250 16,177 SH   SOLE   0 0 16,177
Vanguard Russell 1000 Growth ETF ETF 92206C680   3,450,860 37,190 SH   SOLE   0 0 37,190
Vanguard Russell 3000 ETF ETF 92206C599   12,987,966 52,634 SH   SOLE   0 0 52,634
Vanguard S&P 500 Etf ETF 922908363   1,682,353 3,274 SH   SOLE   0 0 3,274
Vanguard S&P 500 Growth ETF ETF 921932505   2,942,086 8,796 SH   SOLE   0 0 8,796
Vanguard Short Term Corp Bond ETF 92206C409   3,300,639 41,812 SH   SOLE   0 0 41,812
Vanguard Short-Term Bond Index Fund ETF 921937827   16,892,189 215,792 SH   SOLE   0 0 215,792
VANGUARD SHRT TAX EXEMPT BND ETF ETF 921935870   2,009,597 19,994 SH   SOLE   0 0 19,994
Vanguard Small Cap ETF 922908751   1,045,953 4,717 SH   SOLE   0 0 4,717
Vanguard Small Cap Value ETF 922908611   2,540,745 13,639 SH   SOLE   0 0 13,639
Vanguard Total Bond ETF 921937835   1,286,697 17,518 SH   SOLE   0 0 17,518
Vanguard Total Intl Etf ETF 921909768   761,967 12,270 SH   SOLE   0 0 12,270
Vanguard Total Stock Mkt ETF 922908769   119,140,009 433,489 SH   SOLE   0 0 433,489
Vanguard Value ETF 922908744   12,003,291 69,488 SH   SOLE   0 0 69,488
Visa Inc Cl A COM 92826C839   593,464 1,693 SH   SOLE   0 0 1,693