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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
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
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   1,971,533 45,385 SH   SOLE   0 0 45,385
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   3,877,761 80,548 SH   SOLE   0 0 80,548
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   694,340 12,002 SH   SOLE   0 0 12,002
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   7,390,678 140,294 SH   SOLE   0 0 140,294
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,227,931 28,582 SH   SOLE   0 0 28,582
ISHARES TR 0-5 YR TIPS ETF 46429B747   12,650,542 130,526 SH   SOLE   0 0 130,526
ISHARES TR 0-3 MNTH TREASRY 46436E718   20,474,969 203,387 SH   SOLE   0 0 203,387
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,960,540 74,773 SH   SOLE   0 0 74,773
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   3,856,354 121,767 SH   SOLE   0 0 121,767
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   666,969 20,752 SH   SOLE   0 0 20,752
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   7,359,893 131,497 SH   SOLE   0 0 131,497
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,210,561 45,588 SH   SOLE   0 0 45,588
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,910,964 135,200 SH   SOLE   0 0 135,200
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,606,409 66,473 SH   SOLE   0 0 66,473
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   9,124,286 120,088 SH   SOLE   0 0 120,088
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   28,807,328 658,002 SH   SOLE   0 0 658,002
VANGUARD INDEX FDS TOTAL STK MKT 922908769   12,647,715 59,544 SH   SOLE   0 0 59,544
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   880,573 19,624 SH   SOLE   0 0 19,624
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   1,873,650 38,205 SH   SOLE   0 0 38,205
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   4,076,668 82,257 SH   SOLE   0 0 82,257
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   651,498 22,167 SH   SOLE   0 0 22,167
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,390,991 48,450 SH   SOLE   0 0 48,450
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   3,041,197 109,612 SH   SOLE   0 0 109,612
ISHARES TR ESG AWARE MSCI 46435U663   590,902 17,560 SH   SOLE   0 0 17,560
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,984,015 39,334 SH   SOLE   0 0 39,334
VANGUARD WORLD FD ESG US CORP BD 921910691   3,296,632 55,508 SH   SOLE   0 0 55,508
VANGUARD WORLD FD ESG US STK ETF 921910733   2,421,349 32,190 SH   SOLE   0 0 32,190
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,134,624 21,200 SH   SOLE   0 0 21,200
ISHARES TR NATIONAL MUN ETF 464288414   239,944 2,340 SH   SOLE   0 0 2,340
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   238,576 4,960 SH   SOLE   0 0 4,960
SPDR SER TR PORTFOLI S&P1500 78464A805   1,092,842 20,820 SH   SOLE   0 0 20,820
ISHARES TR SHORT TREAS BD 464288679   373,610 3,382 SH   SOLE   0 0 3,382