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
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   2,192,930 46,274 SH   SOLE   0 0 46,274
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   4,464,259 82,549 SH   SOLE   0 0 82,549
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   807,015 12,253 SH   SOLE   0 0 12,253
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   9,169,796 142,698 SH   SOLE   0 0 142,698
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,729,621 29,128 SH   SOLE   0 0 29,128
ISHARES TR 0-5 YR TIPS ETF 46429B747   13,285,375 133,615 SH   SOLE   0 0 133,615
ISHARES TR GNMA BOND ETF 46429B333   17,776,209 409,684 SH   SOLE   0 0 409,684
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   2,134,376 76,887 SH   SOLE   0 0 76,887
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,449,018 124,937 SH   SOLE   0 0 124,937
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   760,283 21,435 SH   SOLE   0 0 21,435
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   9,017,306 133,808 SH   SOLE   0 0 133,808
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,653,844 46,534 SH   SOLE   0 0 46,534
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,948,448 138,498 SH   SOLE   0 0 138,498
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,962,327 70,920 SH   SOLE   0 0 70,920
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,487,361 80,578 SH   SOLE   0 0 80,578
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   17,498,465 383,654 SH   SOLE   0 0 383,654
VANGUARD INDEX FDS TOTAL STK MKT 922908769   15,727,213 60,513 SH   SOLE   0 0 60,513
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   967,564 19,722 SH   SOLE   0 0 19,722
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   2,184,168 38,367 SH   SOLE   0 0 38,367
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   5,032,826 81,933 SH   SOLE   0 0 81,933
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   730,697 22,692 SH   SOLE   0 0 22,692
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,652,555 49,081 SH   SOLE   0 0 49,081
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   3,760,253 109,278 SH   SOLE   0 0 109,278
ISHARES TR ESG AWARE MSCI 46435U663   720,849 17,900 SH   SOLE   0 0 17,900
VANGUARD WORLD FD ESG INTL STK ETF 921910725   2,297,516 39,978 SH   SOLE   0 0 39,978
VANGUARD WORLD FD ESG US CORP BD 921910691   2,400,354 38,253 SH   SOLE   0 0 38,253
VANGUARD WORLD FD ESG US STK ETF 921910733   2,975,686 31,931 SH   SOLE   0 0 31,931
ISHARES TR NATIONAL MUN ETF 464288414   251,784 2,340 SH   SOLE   0 0 2,340
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   250,976 4,960 SH   SOLE   0 0 4,960
ISHARES TR MBS ETF 464288588   210,902 2,282 SH   SOLE   0 0 2,282
ISHARES TR SHORT TREAS BD 464288679   386,337 3,495 SH   SOLE   0 0 3,495