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
ALPHABET INC CAP STK CL A 02079K305   246,671 1,885 SH   SOLE   0 0 1,885
ALPHABET INC CAP STK CL C 02079K107   214,520 1,627 SH   SOLE   0 0 1,627
AMAZON COM INC COM 023135106   440,217 3,463 SH   SOLE   0 0 3,463
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,710,724 47,604 SH   SOLE   0 0 47,604
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   6,789,244 121,999 SH   SOLE   0 0 121,999
APPLE INC COM 037833100   1,084,615 6,335 SH   SOLE   0 0 6,335
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,811,051 5,170 SH   SOLE   0 0 5,170
BROADCOM INC COM 11135F101   204,323 246 SH   SOLE   0 0 246
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   15,961,164 609,205 SH   SOLE   0 0 609,205
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   11,712,820 223,144 SH   SOLE   0 0 223,144
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   6,726,218 147,214 SH   SOLE   0 0 147,214
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   940,275 28,825 SH   SOLE   0 0 28,825
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   5,342,647 207,966 SH   SOLE   0 0 207,966
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   7,714,682 330,393 SH   SOLE   0 0 330,393
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   2,621,147 112,447 SH   SOLE   0 0 112,447
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   4,987,608 146,608 SH   SOLE   0 0 146,608
ELI LILLY & CO COM 532457108   210,555 392 SH   SOLE   0 0 392
ISHARES INC CORE MSCI EMKT 46434G103   4,123,082 86,638 SH   SOLE   0 0 86,638
ISHARES TR CORE 1 5 YR USD 46432F859   4,373,991 94,308 SH   SOLE   0 0 94,308
ISHARES TR MSCI USA QLT FCT 46432F339   9,498,369 72,072 SH   SOLE   0 0 72,072
ISHARES TR SHRT NAT MUN ETF 464288158   7,087,877 68,908 SH   SOLE   0 0 68,908
ISHARES TR 0-5 YR TIPS ETF 46429B747   762,567 7,868 SH   SOLE   0 0 7,868
ISHARES TR RUS MID CAP ETF 464287499   284,922 4,114 SH   SOLE   0 0 4,114
ISHARES TR MSCI EAFE ETF 464287465   231,921 3,365 SH   SOLE   0 0 3,365
ISHARES TR CORE S&P MCP ETF 464287507   68,367,835 274,184 SH   SOLE   0 0 274,184
ISHARES TR S&P MC 400VL ETF 464287705   13,042,502 129,223 SH   SOLE   0 0 129,223
ISHARES TR CORE S&P SCP ETF 464287804   16,274,698 172,529 SH   SOLE   0 0 172,529
ISHARES TR SP SMCP600VL ETF 464287879   4,106,054 46,022 SH   SOLE   0 0 46,022
ISHARES TR S&P 500 VAL ETF 464287408   19,109,678 124,218 SH   SOLE   0 0 124,218
ISHARES TR CORE S&P500 ETF 464287200   11,211,293 26,107 SH   SOLE   0 0 26,107
ISHARES TR RUS 1000 VAL ETF 464287598   580,712 3,825 SH   SOLE   0 0 3,825
ISHARES TR RUSSELL 2000 ETF 464287655   652,903 3,694 SH   SOLE   0 0 3,694
ISHARES TR RUS 2000 VAL ETF 464287630   609,162 4,494 SH   SOLE   0 0 4,494
ISHARES TR RUSSELL 3000 ETF 464287689   3,737,900 15,253 SH   SOLE   0 0 15,253
ISHARES TR CORE S&P US VLU 464287663   9,788,278 131,175 SH   SOLE   0 0 131,175
ISHARES TR CORE US AGGBD ET 464287226   15,702,196 166,974 SH   SOLE   0 0 166,974
ISHARES TR TIPS BD ETF 464287176   17,145,324 165,304 SH   SOLE   0 0 165,304
ISHARES TR ISHS 1-5YR INVS 464288646   25,704,543 515,845 SH   SOLE   0 0 515,845
ISHARES TR NATIONAL MUN ETF 464288414   5,957,045 58,095 SH   SOLE   0 0 58,095
ISHARES TR ISHS 5-10YR INVT 464288638   319,409 6,565 SH   SOLE   0 0 6,565
JPMORGAN CHASE & CO COM 46625H100   222,896 1,537 SH   SOLE   0 0 1,537
META PLATFORMS INC CL A 30303M102   268,088 893 SH   SOLE   0 0 893
MICROSOFT CORP COM 594918104   977,246 3,095 SH   SOLE   0 0 3,095
NVIDIA CORPORATION COM 67066G104   323,198 743 SH   SOLE   0 0 743
PIMCO ETF TR 1-5 US TIP IDX 72201R205   5,143,742 102,690 SH   SOLE   0 0 102,690
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,245,305 202,476 SH   SOLE   0 0 202,476
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,019,891 169,481 SH   SOLE   0 0 169,481
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   510,443 7,019 SH   SOLE   0 0 7,019
SCHWAB STRATEGIC TR US REIT ETF 808524847   312,365 17,598 SH   SOLE   0 0 17,598
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   12,360,140 182,626 SH   SOLE   0 0 182,626
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   223,154 4,660 SH   SOLE   0 0 4,660
SCHWAB STRATEGIC TR US TIPS ETF 808524870   38,349,311 759,543 SH   SOLE   0 0 759,543
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,114,831 35,201 SH   SOLE   0 0 35,201
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   276,569 5,120 SH   SOLE   0 0 5,120
SPDR S&P 500 ETF TR TR UNIT 78462F103   33,766,907 78,991 SH   SOLE   0 0 78,991
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,011,498 19,734 SH   SOLE   0 0 19,734
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,345,948 170,595 SH   SOLE   0 0 170,595
SPDR SER TR PRTFLO S&P500 VL 78464A508   86,905,425 2,106,288 SH   SOLE   0 0 2,106,288
SPDR SER TR S&P 400 MDCP VAL 78464A839   39,390,257 607,312 SH   SOLE   0 0 607,312
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   13,319,935 89,582 SH   SOLE   0 0 89,582
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   10,515,056 134,957 SH   SOLE   0 0 134,957
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,660,213 181,724 SH   SOLE   0 0 181,724
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   71,960,126 1,031,243 SH   SOLE   0 0 1,031,243
VANGUARD INDEX FDS LARGE CAP ETF 922908637   208,763 1,067 SH   SOLE   0 0 1,067
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   9,109,157 69,557 SH   SOLE   0 0 69,557
VANGUARD INDEX FDS VALUE ETF 922908744   7,170,781 51,989 SH   SOLE   0 0 51,989
VANGUARD INDEX FDS MID CAP ETF 922908629   800,068 3,842 SH   SOLE   0 0 3,842
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,158,532 26,074 SH   SOLE   0 0 26,074
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,823,475 37,318 SH   SOLE   0 0 37,318
VANGUARD INDEX FDS SMALL CP ETF 922908751   683,722 3,616 SH   SOLE   0 0 3,616
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,017,328 4,789 SH   SOLE   0 0 4,789
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   97,352,861 247,906 SH   SOLE   0 0 247,906
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,857,046 72,865 SH   SOLE   0 0 72,865
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   404,326 4,339 SH   SOLE   0 0 4,339
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,181,471 109,591 SH   SOLE   0 0 109,591
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   60,830,481 1,264,667 SH   SOLE   0 0 1,264,667
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,121,274 88,911 SH   SOLE   0 0 88,911
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   342,012 4,501 SH   SOLE   0 0 4,501
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   41,713,507 555,070 SH   SOLE   0 0 555,070
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   584,234 3,760 SH   SOLE   0 0 3,760
WISDOMTREE TR US LARGECAP DIVD 97717W307   248,791 4,046 SH   SOLE   0 0 4,046