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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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   579,692 4,328 SH   SOLE   0 0 4,328
Abbvie Inc COM 00287Y109   1,196,830 5,169 SH   SOLE   0 0 5,169
Amazon Com Inc COM 023135106   2,923,794 13,316 SH   SOLE   0 0 13,316
Angel Oak UltraShort Income ETF ETF 03463K752   747,944 14,624 SH   SOLE   0 0 14,624
Apple Computer Inc ETF 037833100   6,146,278 24,138 SH   SOLE   0 0 24,138
Asml Hldgs Nv COM N07059210   307,853 318 SH   SOLE   0 0 318
AURORA INNOVATION CL A ORD COM 051774107   103,062 19,121 SH   SOLE   0 0 19,121
Avantis Emerging Markets EQ ETF COM 025072604   37,767,935 502,835 SH   SOLE   0 0 502,835
Avantis International Equity ETF COM 025072703   67,905,423 860,652 SH   SOLE   0 0 860,652
Avantis Real Estate ETF COM 025072356   866,381 19,478 SH   SOLE   0 0 19,478
Avantis Responsible International Equity ETF COM 025072299   666,059 9,309 SH   SOLE   0 0 9,309
Avantis Responsible US Equity ETF ETF 025072281   1,573,834 21,393 SH   SOLE   0 0 21,393
Avantis U.S. Equity ETF ETF 025072885   631,004 5,805 SH   SOLE   0 0 5,805
Avantis U.S. Large Cap Value ETF ETF 025072349   597,879 8,274 SH   SOLE   0 0 8,274
Avantis US Small Cap Value ETF ETF 025072877   6,478,209 65,088 SH   SOLE   0 0 65,088
Berkshire Hathaway B New COM 084670702   1,126,138 2,240 SH   SOLE   0 0 2,240
Berkshire Hathaway Inc A COM 084670108   754,200 1 SH   SOLE   0 0 1
Blackstone Group Lp COM 09260D107   256,958 1,504 SH   SOLE   0 0 1,504
BLOXX BBB 1-5 YR Core Bond ETF ETF 09789C754   1,860,863 35,990 SH   SOLE   0 0 35,990
Carvana Co COM 146869102   1,026,093 2,720 SH   SOLE   0 0 2,720
Caterpillar Inc COM 149123101   256,230 537 SH   SOLE   0 0 537
Chevrontexaco Corp COM 166764100   216,344 1,393 SH   SOLE   0 0 1,393
ClearSign Technologies Corp COM 185064102   15,424 20,000 SH   SOLE   0 0 20,000
Costco Whsl Corp New COM 22160K105   342,483 370 SH   SOLE   0 0 370
Deere & Co COM 244199105   374,039 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302   23,043,630 730,848 SH   SOLE   0 0 730,848
DFA Core Fixed Income ETF ETF 25434V872   430,379 10,065 SH   SOLE   0 0 10,065
DFA Int'l Core Equity ETF ETF 25434V203   14,913,242 410,268 SH   SOLE   0 0 410,268
DFA Short-Duration Fixed Inc ETF ETF 25434V864   54,415,332 1,129,183 SH   SOLE   0 0 1,129,183
DFA Tax Managed Intl COM 25434V807   2,706,045 58,674 SH   SOLE   0 0 58,674
DFA Tax-Managed US Marketwide Value II ETF 25434V724   13,444,540 300,840 SH   SOLE   0 0 300,840
DFA U.S. Equity ETF ETF 25434V401   758,085 10,465 SH   SOLE   0 0 10,465
DFA U.S. Small Cap (TM) ETF 25434V500   659,338 9,631 SH   SOLE   0 0 9,631
DFA U.S. Small Cap Value (TM) ETF 25434V609   4,226,861 72,614 SH   SOLE   0 0 72,614
DFA US Core Equity ETF ETF 25434V104   7,679,352 167,818 SH   SOLE   0 0 167,818
DFA US Large Cap Value ETF ETF 25434V666   24,257,872 737,321 SH   SOLE   0 0 737,321
DFA US Real Estate ETF ETF 25434V823   1,151,860 48,296 SH   SOLE   0 0 48,296
DFA US Small Cap Value ETF ETF 25434V815   18,859,289 592,314 SH   SOLE   0 0 592,314
DTE Energy Company COM 233331107   300,428 2,124 SH   SOLE   0 0 2,124
Eaton Corporation COM G29183103   253,367 677 SH   SOLE   0 0 677
Eaton Vance Short Dur Muncpl Inc ETF ETF 61774R858   1,219,518 24,180 SH   SOLE   0 0 24,180
Enbridge Inc COM 29250N105   298,673 5,919 SH   SOLE   0 0 5,919
Ev Tax Man Glb Div Eqty ETF 27829F108   181,090 19,900 SH   SOLE   0 0 19,900
Exxon Mobil Corporation COM 30231G102   714,166 6,334 SH   SOLE   0 0 6,334
Fidelity Small-Mid Multifactor ETF ETF 316092527   373,922 8,496 SH   SOLE   0 0 8,496
Goldman Sachs Group Inc COM 38141G104   444,363 558 SH   SOLE   0 0 558
Google Inc. Class A COM 02079K305   502,731 2,068 SH   SOLE   0 0 2,068
Google Inc. Class C COM 02079K107   437,422 1,796 SH   SOLE   0 0 1,796
Home Depot Inc COM 437076102   580,710 1,433 SH   SOLE   0 0 1,433
Industrial SPDR ETF 81369Y704   213,647 1,385 SH   SOLE   0 0 1,385
Invesco QQQ Trust ETF 46090E103   2,046,452 3,409 SH   SOLE   0 0 3,409
ISHARES 0 TO 3 MNTH TREASURY BND ETF ETF 46436E718   2,833,922 28,142 SH   SOLE   0 0 28,142
iShares 1-3 Year Treasury Bond ETF ETF 464287457   455,527 5,491 SH   SOLE   0 0 5,491
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   5,445,120 102,680 SH   SOLE   0 0 102,680
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638   1,278,417 23,635 SH   SOLE   0 0 23,635
iShares Aggregate Bond Fd COM 464287226   495,536 4,943 SH   SOLE   0 0 4,943
iShares Broad USD High Yield Corp Bd ETF ETF 46435U853   269,515 7,134 SH   SOLE   0 0 7,134
iShares C&S Real Estate ETF 464287564   275,565 4,472 SH   SOLE   0 0 4,472
iShares California Muni Bond ETF ETF 464288356   521,289 9,139 SH   SOLE   0 0 9,139
iShares Core 1-5 Year USD Bond ETF ETF 46432F859   675,994 13,841 SH   SOLE   0 0 13,841
iShares Core MSCI EAFE ETF ETF 46432F842   216,005 2,474 SH   SOLE   0 0 2,474
iShares Core MSCI Emerging Markets ETF ETF 46434G103   2,804,237 42,540 SH   SOLE   0 0 42,540
iShares Core S&P 500 ETF COM 464287200   24,862,628 37,147 SH   SOLE   0 0 37,147
iShares Core S&P Mid-Cap ETF ETF 464287507   2,699,676 41,368 SH   SOLE   0 0 41,368
iShares Core S&P Small-Cap ETF ETF 464287804   3,092,194 26,022 SH   SOLE   0 0 26,022
iShares Core S&P Total US Stock Mkt ETF COM 464287150   6,420,831 44,084 SH   SOLE   0 0 44,084
iShares Core Total USD Bond Market ETF ETF 46434V613   9,570,428 204,890 SH   SOLE   0 0 204,890
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   361,090 7,518 SH   SOLE   0 0 7,518
Ishares Floating Rate ETF 46429B655   23,417,677 458,406 SH   SOLE   0 0 458,406
iShares Global REIT ETF ETF 46434V647   22,588,621 883,749 SH   SOLE   0 0 883,749
Ishares High Yield ETF 46434V407   747,791 17,270 SH   SOLE   0 0 17,270
iShares MBS Bond Fd ETF 464288588   777,851 8,175 SH   SOLE   0 0 8,175
iShares MSCI EAFE ETF ETF 464287465   1,332,310 14,269 SH   SOLE   0 0 14,269
iShares MSCI Emerging Markets ETF ETF 464287234   577,841 10,821 SH   SOLE   0 0 10,821
iShares National Muni Bond ETF ETF 464288414   14,149,326 132,870 SH   SOLE   0 0 132,870
iShares Russell 1000 ETF ETF 464287622   658,119 1,801 SH   SOLE   0 0 1,801
iShares Russell Mid-Cap ETF ETF 464287499   302,974 3,138 SH   SOLE   0 0 3,138
iShares Russell Mid-Cap Growth ETF ETF 464287481   314,299 2,207 SH   SOLE   0 0 2,207
iShares S&P 500 Growth ETF ETF 464287309   4,228,655 35,029 SH   SOLE   0 0 35,029
iShares S&P 500 Value ETF ETF 464287408   1,492,035 7,225 SH   SOLE   0 0 7,225
iShares Select Dividend ETF ETF 464287168   213,150 1,500 SH   SOLE   0 0 1,500
iShares Short-Term National Muni Bond ETF ETF 464288158   6,466,276 60,557 SH   SOLE   0 0 60,557
iShares Ultra Short-Term Bond ETF ETF 46434V878   57,597,809 1,134,932 SH   SOLE   0 0 1,134,932
Ishars Edg Msci Usa Qlty ETF 46432F339   456,103 2,345 SH   SOLE   0 0 2,345
J P Morgan Mortgage Backed Secs ETF ETF 46654Q575   1,146,123 22,473 SH   SOLE   0 0 22,473
Janus Henderson AAA CLO ETF ETF 47103U845   630,129 12,409 SH   SOLE   0 0 12,409
Johnson & Johnson COM 478160104   320,962 1,731 SH   SOLE   0 0 1,731
JPMorgan Active Bond ETF ETF 46654Q716   98,439,168 1,817,562 SH   SOLE   0 0 1,817,562
JPMorgan Chase & Co. ETF 46625H100   1,441,515 4,570 SH   SOLE   0 0 4,570
JPMorgan Equity Premium Income ETF COM 46641Q332   957,089 16,762 SH   SOLE   0 0 16,762
JPMorgan Limited Duration Bond ETF ETF 46654Q773   596,956 11,376 SH   SOLE   0 0 11,376
JPMorgan Municipal ETF ETF 46641Q647   11,683,401 231,492 SH   SOLE   0 0 231,492
JPMorgan Ultra-Short Income ETF ETF 46641Q837   446,251 8,797 SH   SOLE   0 0 8,797
JPMorgan Ultra-Short Municipal Inc ETF ETF 46641Q654   12,930,320 253,337 SH   SOLE   0 0 253,337
Lilly Eli & Company ETF 532457108   1,558,809 2,043 SH   SOLE   0 0 2,043
Mastercard Inc COM 57636Q104   914,646 1,608 SH   SOLE   0 0 1,608
Mc Donalds Corp ETF 580135101   236,006 777 SH   SOLE   0 0 777
Microsoft Corp ETF 594918104   1,985,031 3,832 SH   SOLE   0 0 3,832
Mid Cap S P D R TRUST ETF 78467Y107   6,182,726 10,373 SH   SOLE   0 0 10,373
Netflix Com Inc Com COM 64110L106   284,144 237 SH   SOLE   0 0 237
Northrop Grumman Corp ETF 666807102   1,080,324 1,773 SH   SOLE   0 0 1,773
Nuveen ESG Large-Cap Value ETF ETF 67092P300   853,443 19,473 SH   SOLE   0 0 19,473
Nvidia Corp COM 67066G104   432,891 2,320 SH   SOLE   0 0 2,320
Oracle Corporation COM 68389X105   938,217 3,336 SH   SOLE   0 0 3,336
PIMCO MULTISECTOR BOND ACTV ETF ETF 72201R585   2,315,675 86,277 SH   SOLE   0 0 86,277
Powershare Ftse Rafi US ETF 46137V613   1,393,598 30,825 SH   SOLE   0 0 30,825
Raytheon Technologies Ord COM 75513E101   224,222 1,340 SH   SOLE   0 0 1,340
Russell 1000/ Lrg. Growth ETF 464287614   4,618,658 9,860 SH   SOLE   0 0 9,860
Russell 1000/ Lrg. Value ETF 464287598   5,029,912 24,706 SH   SOLE   0 0 24,706
Russell 2000/ Small Growth ETF 464287648   497,662 1,555 SH   SOLE   0 0 1,555
Russell 2000/ Small Value ETF 464287630   656,977 3,716 SH   SOLE   0 0 3,716
Russell 2000/Small Blend ETF 464287655   9,866,695 40,778 SH   SOLE   0 0 40,778
Russell 3000 ETF 464287689   21,863,709 57,697 SH   SOLE   0 0 57,697
Schw Emg Mkt Eq Etf ETF 808524706   452,570 13,562 SH   SOLE   0 0 13,562
Schw Intl Eq Etf ETF 808524805   2,029,435 87,175 SH   SOLE   0 0 87,175
Schw US Brd Mkt Etf ETF 808524102   5,539,399 215,457 SH   SOLE   0 0 215,457
Schw US Scap Etf ETF 808524607   225,414 8,079 SH   SOLE   0 0 8,079
Schwab Fundamental Inl ETF 808524755   778,263 18,116 SH   SOLE   0 0 18,116
Schwab Fundamental US ETF 808524771   214,450 8,154 SH   SOLE   0 0 8,154
Schwab Short-Term U.S. Treasury ETF ETF 808524862   406,943 16,678 SH   SOLE   0 0 16,678
Schwab US Large Cap ETF 808524300   531,406 16,653 SH   SOLE   0 0 16,653
Schwab US Large Cap Etf ETF 808524201   226,469 8,598 SH   SOLE   0 0 8,598
Schwab US Large Cap Value ETF 808524409   11,283,361 387,611 SH   SOLE   0 0 387,611
Sector Spdr Fincl Select ETF 81369Y605   243,762 4,525 SH   SOLE   0 0 4,525
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF ETF 78468R663   3,820,224 41,637 SH   SOLE   0 0 41,637
SPDR DoubleLine Total Return Tact ETF ETF 78467V848   6,839,940 168,596 SH   SOLE   0 0 168,596
SPDR Dow Jones Industrial Average ETF ETF 78467X109   324,618 700 SH   SOLE   0 0 700
SPDR Gold ETF ETF 78463V107   258,782 728 SH   SOLE   0 0 728
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   1,285,703 23,237 SH   SOLE   0 0 23,237
SPDR Trust (S&P 500) ETF 78462F103   27,143,871 40,746 SH   SOLE   0 0 40,746
SPDR Nuveen BB Hi Yld Muncpl Bd ETF ETF 78464A284   1,821,236 73,054 SH   SOLE   0 0 73,054
TCW Flexible Income ETF ETF 29287L700   280,590 7,050 SH   SOLE   0 0 7,050
UMB Financial Corp COM 902788108   2,497,895 21,106 SH   SOLE   0 0 21,106
VanEck Short Muni ETF ETF 92189F528   486,994 27,956 SH   SOLE   0 0 27,956
Vanguard Core Bond ETF ETF 922020748   81,397,410 1,038,100 SH   SOLE   0 0 1,038,100
Vanguard Core-Plus Bond ETF ETF 922020755   13,525,898 172,023 SH   SOLE   0 0 172,023
Vanguard Div Apprciation ETF 921908844   520,270 2,411 SH   SOLE   0 0 2,411
Vanguard Emerging Market ETF 922042858   1,357,805 25,061 SH   SOLE   0 0 25,061
Vanguard ESG Int'l ETF ETF 921910725   8,631,570 124,428 SH   SOLE   0 0 124,428
Vanguard ESG U.S. Stock ETF ETF 921910733   15,064,739 127,193 SH   SOLE   0 0 127,193
Vanguard Growth ETF 922908736   8,782,928 18,313 SH   SOLE   0 0 18,313
Vanguard High Dividend ETF ETF 921946406   3,090,752 21,928 SH   SOLE   0 0 21,928
Vanguard Info Technology ETF 92204A702   867,584 1,162 SH   SOLE   0 0 1,162
Vanguard Interm Bond Index ETF ETF 921937819   4,641,306 59,435 SH   SOLE   0 0 59,435
Vanguard Intermediate ETF 92206C870   2,172,561 25,830 SH   SOLE   0 0 25,830
Vanguard Large Cap Etf ETF 922908637   227,509 739 SH   SOLE   0 0 739
Vanguard Mid Cap ETF 922908629   708,623 2,412 SH   SOLE   0 0 2,412
Vanguard Mortgage Backed ETF 92206C771   4,006,862 85,325 SH   SOLE   0 0 85,325
Vanguard Msci Eafe Etf ETF 921943858   2,760,934 46,077 SH   SOLE   0 0 46,077
Vanguard Reit ETF 922908553   6,903,764 75,517 SH   SOLE   0 0 75,517
Vanguard Russell 1000 ETF 92206C714   1,445,738 16,177 SH   SOLE   0 0 16,177
Vanguard Russell 1000 Growth ETF ETF 92206C680   4,101,218 34,035 SH   SOLE   0 0 34,035
Vanguard Russell 3000 ETF ETF 92206C599   15,754,035 53,527 SH   SOLE   0 0 53,527
Vanguard S&P 500 Etf ETF 922908363   2,148,176 3,508 SH   SOLE   0 0 3,508
Vanguard S&P 500 Growth ETF ETF 921932505   3,395,717 7,798 SH   SOLE   0 0 7,798
Vanguard Short Term Corp Bond ETF 92206C409   3,268,737 40,895 SH   SOLE   0 0 40,895
Vanguard Short-Term Bond Index Fund ETF 921937827   10,955,775 138,839 SH   SOLE   0 0 138,839
VANGUARD SHRT TAX EXEMPT BND ETF ETF 921935870   1,993,347 19,557 SH   SOLE   0 0 19,557
Vanguard Small Cap ETF 922908751   1,081,179 4,252 SH   SOLE   0 0 4,252
Vanguard Small Cap Value ETF 922908611   4,053,494 19,422 SH   SOLE   0 0 19,422
Vanguard Tax-Exempt Bond ETF ETF 922907746   5,145,694 102,770 SH   SOLE   0 0 102,770
Vanguard Total Bond ETF 921937835   1,015,225 13,651 SH   SOLE   0 0 13,651
Vanguard Total Intl Etf ETF 921909768   924,935 12,591 SH   SOLE   0 0 12,591
Vanguard Total Stock Mkt ETF 922908769   145,583,147 443,621 SH   SOLE   0 0 443,621
Vanguard Value ETF 922908744   14,457,824 77,526 SH   SOLE   0 0 77,526
Visa Inc Cl A COM 92826C839   666,164 1,951 SH   SOLE   0 0 1,951