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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 232 87 SH   SOLE   0 0 87
AMAZON COM INC COM 023135106 677 206 SH   SOLE   0 0 206
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 236 3,657 SH   SOLE   0 0 3,657
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 7,310 113,145 SH   SOLE   0 0 113,145
AMERICAN TOWER CORP NEW COM 03027X100 415 1,564 SH   SOLE   0 0 1,564
APPLE INC COM 037833100 3,304 23,349 SH   SOLE   0 0 23,349
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 296 1,085 SH   SOLE   0 0 1,085
COCA COLA CO COM 191216100 236 4,500 SH   SOLE   0 0 4,500
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,507 46,033 SH   SOLE   0 0 46,033
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 6,985 148,115 SH   SOLE   0 0 148,115
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,819 101,195 SH   SOLE   0 0 101,195
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 5,300 119,366 SH   SOLE   0 0 119,366
EXXON MOBIL CORP COM 30231G102 421 7,150 SH   SOLE   0 0 7,150
GOLDMAN SACHS GROUP INC COM 38141G104 265 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102 930 2,832 SH   SOLE   0 0 2,832
INVESCO QQQ TR UNIT SER 1 46090E103 1,379 3,851 SH   SOLE   0 0 3,851
ISHARES INC CORE MSCI EMKT 46434G103 2,323 37,607 SH   SOLE   0 0 37,607
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,240 21,205 SH   SOLE   0 0 21,205
ISHARES TR CORE MSCI EAFE 46432F842 2,287 30,808 SH   SOLE   0 0 30,808
ISHARES TR CORE S&P SCP ETF 464287804 10,296 94,299 SH   SOLE   0 0 94,299
ISHARES TR CORE S&P TTL STK 464287150 344 3,494 SH   SOLE   0 0 3,494
ISHARES TR CORE S&P500 ETF 464287200 28,162 65,369 SH   SOLE   0 0 65,369
ISHARES TR CORE US AGGBD ET 464287226 435 3,792 SH   SOLE   0 0 3,792
ISHARES TR CRE U S REIT ETF 464288521 972 16,576 SH   SOLE   0 0 16,576
ISHARES TR EAFE GRWTH ETF 464288885 6,715 63,065 SH   SOLE   0 0 63,065
ISHARES TR EAFE SML CP ETF 464288273 5,421 72,859 SH   SOLE   0 0 72,859
ISHARES TR EAFE VALUE ETF 464288877 3,168 62,302 SH   SOLE   0 0 62,302
ISHARES TR HDG MSCI EAFE 46434V803 480 13,968 SH   SOLE   0 0 13,968
ISHARES TR IBONDS DEC2021 46435G789 445 17,398 SH   SOLE   0 0 17,398
ISHARES TR IBONDS DEC2022 46435G755 1,667 63,675 SH   SOLE   0 0 63,675
ISHARES TR MICRO-CAP ETF 464288869 419 2,907 SH   SOLE   0 0 2,907
ISHARES TR MSCI EAFE ETF 464287465 1,790 22,947 SH   SOLE   0 0 22,947
ISHARES TR MSCI EMG MKT ETF 464287234 210 4,160 SH   SOLE   0 0 4,160
ISHARES TR MSCI INTL MOMENT 46434V449 1,929 50,651 SH   SOLE   0 0 50,651
ISHARES TR MSCI USA MIN VOL 46429B697 238 3,241 SH   SOLE   0 0 3,241
ISHARES TR NATIONAL MUN ETF 464288414 3,185 27,421 SH   SOLE   0 0 27,421
ISHARES TR RUS 1000 ETF 464287622 1,136 4,701 SH   SOLE   0 0 4,701
ISHARES TR RUS 1000 GRW ETF 464287614 5,539 20,211 SH   SOLE   0 0 20,211
ISHARES TR RUS 1000 VAL ETF 464287598 4,495 28,723 SH   SOLE   0 0 28,723
ISHARES TR RUS 2000 VAL ETF 464287630 1,215 7,581 SH   SOLE   0 0 7,581
ISHARES TR RUSSELL 2000 ETF 464287655 718 3,283 SH   SOLE   0 0 3,283
ISHARES TR S&P 500 VAL ETF 464287408 1,259 8,656 SH   SOLE   0 0 8,656
ISHARES TR SHORT TREAS BD 464288679 421 3,812 SH   SOLE   0 0 3,812
ISHARES TR SHRT NAT MUN ETF 464288158 3,575 33,230 SH   SOLE   0 0 33,230
ISHARES TR SP SMCP600VL ETF 464287879 1,494 14,841 SH   SOLE   0 0 14,841
ISHARES TR U.S. REAL ES ETF 464287739 236 2,303 SH   SOLE   0 0 2,303
MICROSOFT CORP COM 594918104 366 1,299 SH   SOLE   0 0 1,299
POPULAR INC COM NEW 733174700 233 3,000 SH   SOLE   0 0 3,000
SBA COMMUNICATIONS CORP NEW CL A 78410G104 493 1,492 SH   SOLE   0 0 1,492
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,603 52,596 SH   SOLE   0 0 52,596
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,290 59,179 SH   SOLE   0 0 59,179
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,468 83,530 SH   SOLE   0 0 83,530
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 279 5,173 SH   SOLE   0 0 5,173
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,100 63,956 SH   SOLE   0 0 63,956
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 984 25,410 SH   SOLE   0 0 25,410
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 815 15,015 SH   SOLE   0 0 15,015
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 597 5,744 SH   SOLE   0 0 5,744
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,403 36,486 SH   SOLE   0 0 36,486
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,237 47,971 SH   SOLE   0 0 47,971
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,354 61,075 SH   SOLE   0 0 61,075
SCHWAB STRATEGIC TR US REIT ETF 808524847 742 16,245 SH   SOLE   0 0 16,245
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,304 13,027 SH   SOLE   0 0 13,027
SCHWAB STRATEGIC TR US TIPS ETF 808524870 208 3,322 SH   SOLE   0 0 3,322
SELECT SECTOR SPDR TR ENERGY 81369Y506 407 7,821 SH   SOLE   0 0 7,821
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,639 46,179 SH   SOLE   0 0 46,179
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,945 385,117 SH   SOLE   0 0 385,117
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,524 153,389 SH   SOLE   0 0 153,389
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 378 9,811 SH   SOLE   0 0 9,811
SPDR SER TR DJ REIT ETF 78464A607 257 2,440 SH   SOLE   0 0 2,440
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,525 51,116 SH   SOLE   0 0 51,116
SPDR SER TR PORTFOLI S&P1500 78464A805 1,037 19,568 SH   SOLE   0 0 19,568
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,245 41,723 SH   SOLE   0 0 41,723
SPDR SER TR PORTFOLIO S&P500 78464A854 24,142 478,433 SH   SOLE   0 0 478,433
SPDR SER TR PORTFOLIO S&P600 78468R853 4,878 114,512 SH   SOLE   0 0 114,512
SPDR SER TR PORTFOLIO SHORT 78464A474 8,989 287,656 SH   SOLE   0 0 287,656
SPDR SER TR PRTFLO S&P500 GW 78464A409 18,060 282,093 SH   SOLE   0 0 282,093
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,388 471,479 SH   SOLE   0 0 471,479
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,085 98,644 SH   SOLE   0 0 98,644
SPDR SER TR SPDR BLOOMBERG 78468R663 1,212 13,251 SH   SOLE   0 0 13,251
TESLA INC COM 88160R101 249 321 SH   SOLE   0 0 321
THERAPEUTICSMD INC COM 88338N107 15 19,603 SH   SOLE   0 0 19,603
UNITED PARCEL SERVICE INC CL B 911312106 2,096 11,509 SH   SOLE   0 0 11,509
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,990 11,433 SH   SOLE   0 0 11,433
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,640 44,425 SH   SOLE   0 0 44,425
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,299 85,418 SH   SOLE   0 0 85,418
VANGUARD INDEX FDS GROWTH ETF 922908736 19,708 67,918 SH   SOLE   0 0 67,918
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,366 31,686 SH   SOLE   0 0 31,686
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,300 111,022 SH   SOLE   0 0 111,022
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 975 2,472 SH   SOLE   0 0 2,472
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,312 13,657 SH   SOLE   0 0 13,657
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,751 17,153 SH   SOLE   0 0 17,153
VANGUARD INDEX FDS SML CP GRW ETF 922908595 309 1,103 SH   SOLE   0 0 1,103
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,936 17,726 SH   SOLE   0 0 17,726
VANGUARD INDEX FDS VALUE ETF 922908744 9,861 72,843 SH   SOLE   0 0 72,843
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 424 6,963 SH   SOLE   0 0 6,963
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,598 111,933 SH   SOLE   0 0 111,933
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 724 5,417 SH   SOLE   0 0 5,417
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,046 71,858 SH   SOLE   0 0 71,858
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 439 4,313 SH   SOLE   0 0 4,313
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,332 101,416 SH   SOLE   0 0 101,416
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,252 22,868 SH   SOLE   0 0 22,868
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,483 78,662 SH   SOLE   0 0 78,662
VANGUARD STAR FDS VG TL INTL STK F 921909768 329 5,198 SH   SOLE   0 0 5,198
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 10,381 205,615 SH   SOLE   0 0 205,615
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 258 2,492 SH   SOLE   0 0 2,492
VERIZON COMMUNICATIONS INC COM 92343V104 255 4,727 SH   SOLE   0 0 4,727