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
23ANDME HOLDING CO CLASS A COM 90138Q108   29,267 16,724 SH   SOLE   0 0 16,724
8X8 INC NEW COM 282914100   79,473 18,788 SH   SOLE   0 0 18,788
ALPHABET INC CAP STK CL A 02079K305   865,551 7,231 SH   SOLE   0 0 7,231
ALPHABET INC CAP STK CL C 02079K107   3,757,220 31,059 SH   SOLE   0 0 31,059
AMAZON COM INC COM 023135106   212,226 1,628 SH   SOLE   0 0 1,628
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   228,854 11,437 SH   SOLE   0 0 11,437
APPLE INC COM 037833100   921,221 4,749 SH   SOLE   0 0 4,749
BECTON DICKINSON & CO COM 075887109   279,587 1,059 SH   SOLE   0 0 1,059
CATERPILLAR INC COM 149123101   627,181 2,549 SH   SOLE   0 0 2,549
CHURCH & DWIGHT CO INC COM 171340102   1,427,275 14,240 SH   SOLE   0 0 14,240
CINCINNATI FINL CORP COM 172062101   1,407,636 14,464 SH   SOLE   0 0 14,464
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   11,744,672 253,172 SH   SOLE   0 0 253,172
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,432,183 163,248 SH   SOLE   0 0 163,248
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   25,617,658 1,098,999 SH   SOLE   0 0 1,098,999
DOLBY LABORATORIES INC COM CL A 25659T107   508,189 6,073 SH   SOLE   0 0 6,073
ETF SER SOLUTIONS NATIONWIDE NASDQ 26922A172   269,375 12,500 SH   SOLE   0 0 12,500
EXXON MOBIL CORP COM 30231G102   354,569 3,306 SH   SOLE   0 0 3,306
GRAINGER W W INC COM 384802104   972,331 1,233 SH   SOLE   0 0 1,233
GREYSTONE HOUSING IMPACT INV BEN UNIT CTF 02364V206   274,837 16,677 SH   SOLE   0 0 16,677
HOME DEPOT INC COM 437076102   240,435 774 SH   SOLE   0 0 774
INDEPENDENCE RLTY TR INC COM 45378A106   217,510 11,938 SH   SOLE   0 0 11,938
INTERNATIONAL BUSINESS MACHS COM 459200101   347,471 2,597 SH   SOLE   0 0 2,597
INTUIT COM 461202103   361,970 790 SH   SOLE   0 0 790
ISHARES INC CORE MSCI EMKT 46434G103   1,919,155 38,936 SH   SOLE   0 0 38,936
ISHARES TR CORE US AGGBD ET 464287226   4,419,324 45,118 SH   SOLE   0 0 45,118
ISHARES TR RUS MD CP GR ETF 464287481   565,286 5,850 SH   SOLE   0 0 5,850
ISHARES TR TIPS BD ETF 464287176   8,840,122 82,142 SH   SOLE   0 0 82,142
ISHARES TR MSCI EAFE ETF 464287465   770,486 10,627 SH   SOLE   0 0 10,627
ISHARES TR ISHS 1-5YR INVS 464288646   11,254,887 224,335 SH   SOLE   0 0 224,335
ISHARES TR CORE S&P500 ETF 464287200   3,903,974 8,759 SH   SOLE   0 0 8,759
ISHARES TR JPMORGAN USD EMG 464288281   4,339,635 50,146 SH   SOLE   0 0 50,146
ISHARES TR CORE MSCI EAFE 46432F842   1,403,595 20,794 SH   SOLE   0 0 20,794
ISHARES TR CORE S&P SCP ETF 464287804   1,948,955 19,558 SH   SOLE   0 0 19,558
ISHARES TR U.S. REAL ES ETF 464287739   1,372,697 15,862 SH   SOLE   0 0 15,862
ISHARES TR IBOXX HI YD ETF 464288513   12,778,827 170,225 SH   SOLE   0 0 170,225
ISHARES TR RUS MID CAP ETF 464287499   608,778 8,336 SH   SOLE   0 0 8,336
ISHARES TR RUS 1000 GRW ETF 464287614   457,900 1,664 SH   SOLE   0 0 1,664
JPMORGAN CHASE & CO COM 46625H100   534,637 3,676 SH   SOLE   0 0 3,676
LINDE PLC SHS G54950103   228,648 600 SH   SOLE   0 0 600
LOCKHEED MARTIN CORP COM 539830109   290,960 632 SH   SOLE   0 0 632
MEDICAL PPTYS TRUST INC COM 58463J304   178,255 19,250 SH   SOLE   0 0 19,250
MICROSOFT CORP COM 594918104   768,363 2,256 SH   SOLE   0 0 2,256
NUVEEN AMT FREE QLTY MUN INC COM 670657105   229,530 21,000 SH   SOLE   0 0 21,000
NVIDIA CORPORATION COM 67066G104   2,328,302 5,504 SH   SOLE   0 0 5,504
ORACLE CORP COM 68389X105   257,994 2,166 SH   SOLE   0 0 2,166
PIMCO MUN INCOME FD II COM 72200W106   298,320 33,000 SH   SOLE   0 0 33,000
READY CAPITAL CORP COM 75574U101   309,016 27,395 SH   SOLE   0 0 27,395
REDWOOD TRUST INC COM 758075402   246,990 38,774 SH   SOLE   0 0 38,774
RITHM CAPITAL CORP COM NEW 64828T201   551,650 59,000 SH   SOLE   0 0 59,000
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,125,018 536,466 SH   SOLE   0 0 536,466
SCHWAB STRATEGIC TR US TIPS ETF 808524870   29,343,964 559,679 SH   SOLE   0 0 559,679
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   103,172,292 1,970,065 SH   SOLE   0 0 1,970,065
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   16,971,457 387,476 SH   SOLE   0 0 387,476
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   41,642,956 902,144 SH   SOLE   0 0 902,144
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   22,843,429 927,464 SH   SOLE   0 0 927,464
SCHWAB STRATEGIC TR US REIT ETF 808524847   14,156,314 724,850 SH   SOLE   0 0 724,850
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,376,155 259,404 SH   SOLE   0 0 259,404
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   343,471 10,189 SH   SOLE   0 0 10,189
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   317,756 2,394 SH   SOLE   0 0 2,394
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,077,349 9,198 SH   SOLE   0 0 9,198
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   236,103 493 SH   SOLE   0 0 493
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,833,238 19,920 SH   SOLE   0 0 19,920
SPLUNK INC COM 848637104   344,580 3,248 SH   SOLE   0 0 3,248
UNITEDHEALTH GROUP INC COM 91324P102   243,684 507 SH   SOLE   0 0 507
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   10,838,370 149,104 SH   SOLE   0 0 149,104
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,931,630 35,084 SH   SOLE   0 0 35,084
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,732,400 10,474 SH   SOLE   0 0 10,474
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   235,923 579 SH   SOLE   0 0 579
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,737,598 33,876 SH   SOLE   0 0 33,876
VANGUARD INDEX FDS VALUE ETF 922908744   596,678 4,199 SH   SOLE   0 0 4,199
VANGUARD INDEX FDS LARGE CAP ETF 922908637   17,892,878 88,264 SH   SOLE   0 0 88,264
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,054,040 4,785 SH   SOLE   0 0 4,785
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   352,504 5,056 SH   SOLE   0 0 5,056
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   227,978 4,190 SH   SOLE   0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,039,797 148,471 SH   SOLE   0 0 148,471
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   518,589 8,405 SH   SOLE   0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   45,257,353 598,167 SH   SOLE   0 0 598,167
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,280,591 114,348 SH   SOLE   0 0 114,348
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   18,998,034 305,091 SH   SOLE   0 0 305,091