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
AMAZON COM INC COM 023135106 280 2,640 SH   SOLE None 0 0 2,640
APPLE INC COM 037833100 621 4,543 SH   SOLE None 0 0 4,543
BLACKROCK MUNICIPAL INCOME COM 09253X102 177 14,871 SH   SOLE None 0 0 14,871
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 37,625 1,423,581 SH   SOLE None 0 0 1,423,581
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 8,240 341,349 SH   SOLE None 0 0 341,349
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 6,766 292,150 SH   SOLE None 0 0 292,150
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,754 75,282 SH   SOLE None 0 0 75,282
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,739 81,119 SH   SOLE None 0 0 81,119
ISHARES TR CORE US AGGBD ET 464287226 6,266 61,620 SH   SOLE None 0 0 61,620
ISHARES TR IBOXX INV CP ETF 464287242 446 4,049 SH   SOLE None 0 0 4,049
ISHARES TR RUSSELL 3000 ETF 464287689 4,578 21,058 SH   SOLE None 0 0 21,058
ISHARES TR NATIONAL MUN ETF 464288414 6,374 59,930 SH   SOLE None 0 0 59,930
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,204 11,875 SH   SOLE None 0 0 11,875
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,127 12,491 SH   SOLE None 0 0 12,491
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 400 9,060 SH   SOLE None 0 0 9,060
SELECT SECTOR SPDR TR ENERGY 81369Y506 248 3,468 SH   SOLE None 0 0 3,468
SPDR GOLD TR GOLD SHS 78463V107 253 1,500 SH   SOLE None 0 0 1,500
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,648 162,444 SH   SOLE None 0 0 162,444
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 707 16,009 SH   SOLE None 0 0 16,009
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,698 336,253 SH   SOLE None 0 0 336,253
SPDR SER TR PORTFOLIO INTRMD 78464A375 4,157 127,397 SH   SOLE None 0 0 127,397
SPDR SER TR PORTFOLIO AGRGTE 78464A649 4,611 174,974 SH   SOLE None 0 0 174,974
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,842 139,600 SH   SOLE None 0 0 139,600
SPDR SER TR PORTFOLI S&P1500 78464A805 26,442 568,898 SH   SOLE None 0 0 568,898
SPDR SER TR NUVEEN BLMBRG MU 78468R721 7,313 159,460 SH   SOLE None 0 0 159,460
SPDR SER TR NUVEEN BLMBRG SH 78468R739 4,796 101,489 SH   SOLE None 0 0 101,489
TESLA INC COM 88160R101 317 471 SH   SOLE None 0 0 471
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 2,546 55,744 SH   SOLE None 0 0 55,744
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,071 39,988 SH   SOLE None 0 0 39,988
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,062 33,603 SH   SOLE None 0 0 33,603
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,158 32,646 SH   SOLE None 0 0 32,646
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,789 114,986 SH   SOLE None 0 0 114,986
VANGUARD TAXMANAGED INTL FD VAN FTSE DEV MKT 921943858 5,909 144,821 SH   SOLE None 0 0 144,821
WESTERN ASSET INTER MUNI FD COM 958435109 158 19,660 SH   SOLE None 0 0 19,660