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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
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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
ALPHABET INC CAP STK CL C 02079K107   218,160 1,548 SH   SOLE 0 0 0 1,548
AMAZON COM INC COM 023135106   255,107 1,679 SH   SOLE 0 0 0 1,679
AMERICAN CENTY ETF TR US SML CP VALU 025072877   292,209 3,254 SH   SOLE 0 0 0 3,254
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   27,690,804 443,124 SH   SOLE 0 0 0 443,124
APPLE INC COM 037833100   58,143,941 301,999 SH   SOLE 0 0 0 301,999
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   349,170 979 SH   SOLE 0 0 0 979
ILLUMINA INC COM 452327109   879,161 6,314 SH   SOLE 0 0 0 6,314
INVESCO QQQ TR UNIT SER 1 46090E103   1,529,148 3,734 SH   SOLE 0 0 0 3,734
ISHARES TR MSCI EAFE ETF 464287465   10,717,935 142,242 SH   SOLE 0 0 0 142,242
ISHARES TR RUS MD CP GR ETF 464287481   984,327 9,423 SH   SOLE 0 0 0 9,423
ISHARES TR 1 3 YR TREAS BD 464287457   327,340 3,990 SH   SOLE 0 0 0 3,990
ISHARES TR 7-10 YR TRSY BD 464287440   645,620 6,698 SH   SOLE 0 0 0 6,698
ISHARES TR RUS 1000 GRW ETF 464287614   11,990,992 39,552 SH   SOLE 0 0 0 39,552
ISHARES TR CORE S&P US VLU 464287663   1,013,900 12,023 SH   SOLE 0 0 0 12,023
ISHARES TR EAFE SML CP ETF 464288273   407,426 6,582 SH   SOLE 0 0 0 6,582
ISHARES TR MSCI USA MIN VOL 46429B697   8,538,881 109,431 SH   SOLE 0 0 0 109,431
ISHARES TR MSCI EAFE MIN VL 46429B689   2,089,228 30,130 SH   SOLE 0 0 0 30,130
ISHARES TR CORE MSCI EAFE 46432F842   41,551,668 590,642 SH   SOLE 0 0 0 590,642
ISHARES TR CORE US AGGBD ET 464287226   253,932 2,559 SH   SOLE 0 0 0 2,559
ISHARES TR MSCI USA MMENTM 46432F396   5,379,951 34,291 SH   SOLE 0 0 0 34,291
ISHARES TR MSCI INTL MOMENT 46434V449   1,448,668 42,248 SH   SOLE 0 0 0 42,248
ISHARES TR MSCI USA SMCP MN 46435G433   4,526,381 126,825 SH   SOLE 0 0 0 126,825
LAM RESEARCH CORP COM 512807108   223,229 285 SH   SOLE 0 0 0 285
META PLATFORMS INC CL A 30303M102   492,358 1,391 SH   SOLE 0 0 0 1,391
MICROSOFT CORP COM 594918104   1,026,589 2,730 SH   SOLE 0 0 0 2,730
NVIDIA CORPORATION COM 67066G104   251,077 507 SH   SOLE 0 0 0 507
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,293,511 34,998 SH   SOLE 0 0 0 34,998
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   222,379 2,681 SH   SOLE 0 0 0 2,681
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,295,209 40,595 SH   SOLE 0 0 0 40,595
VANGUARD INDEX FDS VALUE ETF 922908744   93,591,485 626,030 SH   SOLE 0 0 0 626,030
VANGUARD INDEX FDS SM CP VAL ETF 922908611   21,013,726 116,762 SH   SOLE 0 0 0 116,762
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,347,792 11,005 SH   SOLE 0 0 0 11,005
VANGUARD INDEX FDS GROWTH ETF 922908736   36,368,897 116,987 SH   SOLE 0 0 0 116,987
VANGUARD INDEX FDS SML CP GRW ETF 922908595   23,008,246 95,166 SH   SOLE 0 0 0 95,166
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,863,758 47,333 SH   SOLE 0 0 0 47,333
VANGUARD INDEX FDS TOTAL STK MKT 922908769   518,589 2,186 SH   SOLE 0 0 0 2,186
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,412,579 58,700 SH   SOLE 0 0 0 58,700
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   694,746 6,753 SH   SOLE 0 0 0 6,753
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   17,265,464 363,560 SH   SOLE 0 0 0 363,560
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,538,310 110,221 SH   SOLE 0 0 0 110,221
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   233,787 4,008 SH   SOLE 0 0 0 4,008
VANGUARD WORLD FD ESG US STK ETF 921910733   1,136,146 13,357 SH   SOLE 0 0 0 13,357
VANGUARD WORLD FD ESG INTL STK ETF 921910725   422,339 7,640 SH   SOLE 0 0 0 7,640