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
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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
ISHARES TR S&P 500 VAL ETF 464287408   730,768 4,750 SH   SOLE   0 0 4,750
ISHARES TR RUS 1000 GRW ETF 464287614   1,479,450 5,562 SH   SOLE   0 0 5,562
ISHARES TR MBS ETF 464288588   1,615,003 18,187 SH   SOLE   0 0 18,187
VANGUARD STAR FDS VG TL INTL STK F 921909768   259,788 4,854 SH   SOLE   0 0 4,854
MICROSOFT CORP COM 594918104   546,959 1,732 SH   SOLE   0 0 1,732
EXXON MOBIL CORP COM 30231G102   529,345 4,502 SH   SOLE   0 0 4,502
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   356,220 2,173 SH   SOLE   0 0 2,173
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   16,364,675 89,586 SH   SOLE   0 0 89,586
ALPHABET INC CAP STK CL C 02079K107   1,271,034 9,640 SH   SOLE   0 0 9,640
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   605,967 2,577 SH   SOLE   0 0 2,577
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,653,017 15,999 SH   SOLE   0 0 15,999
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   12,228,397 311,869 SH   SOLE   0 0 311,869
ISHARES TR CORE S&P500 ETF 464287200   712,685 1,660 SH   SOLE   0 0 1,660
VANGUARD INDEX FDS TOTAL STK MKT 922908769   22,152,087 104,289 SH   SOLE   0 0 104,289
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,881,812 5,372 SH   SOLE   0 0 5,372
KINDER MORGAN INC DEL COM 49456B101   481,102 29,017 SH   SOLE   0 0 29,017
ISHARES TR MSCI EAFE MIN VL 46429B689   306,255 4,696 SH   SOLE   0 0 4,696
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   365,393 5,399 SH   SOLE   0 0 5,399
ONEOK INC NEW COM 682680103   715,173 11,275 SH   SOLE   0 0 11,275
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,072,893 22,305 SH   SOLE   0 0 22,305
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,891,937 79,028 SH   SOLE   0 0 79,028
ISHARES TR CORE US AGGBD ET 464287226   1,495,194 15,900 SH   SOLE   0 0 15,900
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,011,744 10,280 SH   SOLE   0 0 10,280
BOEING CO COM 097023105   386,417 2,016 SH   SOLE   0 0 2,016
VANGUARD INDEX FDS GROWTH ETF 922908736   21,420,722 78,663 SH   SOLE   0 0 78,663
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   315,599 2,031 SH   SOLE   0 0 2,031
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   241,380 3,190 SH   SOLE   0 0 3,190
ISHARES TR EXPND TEC SC ETF 464287549   304,597 797 SH   SOLE   0 0 797
PHYSICIANS RLTY TR COM 71943U104   152,692 12,526 SH   SOLE   0 0 12,526
ABBVIE INC COM 00287Y109   2,320,566 15,568 SH   SOLE   0 0 15,568
ISHARES TR SP SMCP600VL ETF 464287879   223,496 2,505 SH   SOLE   0 0 2,505
JOHNSON & JOHNSON COM 478160104   736,749 4,730 SH   SOLE   0 0 4,730
VANGUARD INDEX FDS MID CAP ETF 922908629   24,110,395 115,782 SH   SOLE   0 0 115,782
VANGUARD INDEX FDS SM CP VAL ETF 922908611   251,356 1,576 SH   SOLE   0 0 1,576
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   30,061,143 579,548 SH   SOLE   0 0 579,548
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   416,119 8,347 SH   SOLE   0 0 8,347
AMER STATES WTR CO COM 029899101   436,870 5,552 SH   SOLE   0 0 5,552
ISHARES TR RUS 2000 VAL ETF 464287630   281,300 2,075 SH   SOLE   0 0 2,075
ISHARES TR 0-5YR HI YL CP 46434V407   1,295,842 31,583 SH   SOLE   0 0 31,583
ABBOTT LABS COM 002824100   1,159,198 11,969 SH   SOLE   0 0 11,969
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   79,817,549 2,665,027 SH   SOLE   0 0 2,665,027
DBX ETF TR XTRACK MSCI EAFE 233051200   23,792,958 681,747 SH   SOLE   0 0 681,747
ISHARES TR HDG MSCI EAFE 46434V803   22,267,825 739,795 SH   SOLE   0 0 739,795
ALPHABET INC CAP STK CL A 02079K305   1,075,669 8,220 SH   SOLE   0 0 8,220
ISHARES TR S&P 500 GRWT ETF 464287309   1,264,459 18,481 SH   SOLE   0 0 18,481
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,502,137 5,853 SH   SOLE   0 0 5,853
QUALCOMM INC COM 747525103   1,236,867 11,137 SH   SOLE   0 0 11,137
ISHARES TR RUS 1000 ETF 464287622   533,796 2,272 SH   SOLE   0 0 2,272
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   176,897 18,660 SH   SOLE   0 0 18,660
ISHARES TR CORE S&P MCP ETF 464287507   1,404,662 5,633 SH   SOLE   0 0 5,633
ISHARES TR US CONSM STAPLES 464287812   391,636 2,100 SH   SOLE   0 0 2,100
SUMMIT THERAPEUTICS INC COM 86627T108   23,893 12,777 SH   SOLE   0 0 12,777
APPLE INC COM 037833100   4,795,680 28,011 SH   SOLE   0 0 28,011
ISHARES TR MSCI EAFE ETF 464287465   7,397,101 107,329 SH   SOLE   0 0 107,329
AMERICAN WTR WKS CO INC NEW COM 030420103   255,462 2,063 SH   SOLE   0 0 2,063
AT&T INC COM 00206R102   253,613 16,885 SH   SOLE   0 0 16,885
CATERPILLAR INC COM 149123101   375,921 1,377 SH   SOLE   0 0 1,377