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
ABBOTT LABS COM 002824100 BBG001S5N9M6 234,393 2,150 SH   SOLE   0 0 2,150
AMAZON COM INC COM 023135106 BBG001S5PQL7 378,766 2,906 SH   SOLE   0 0 2,906
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 19,910,014 436,336 SH   SOLE   0 0 436,336
APPLE INC COM 037833100 BBG001S5N8V8 1,567,022 8,079 SH   SOLE   0 0 8,079
AT&T INC COM 00206R102 BBG001S5VWH2 235,563 14,769 SH   SOLE   0 0 14,769
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 652,333 1,913 SH   SOLE   0 0 1,913
COCA COLA CO COM 191216100 BBG001S5SMQ8 266,052 4,418 SH   SOLE   0 0 4,418
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 488,120 21,390 SH   SOLE   0 0 21,390
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 424,246 15,626 SH   SOLE   0 0 15,626
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 32,928,971 1,530,157 SH   SOLE   0 0 1,530,157
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 222,758 2,077 SH   SOLE   0 0 2,077
HOME DEPOT INC COM 437076102 BBG001S5RTW7 511,076 1,645 SH   SOLE   0 0 1,645
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 BBG001SNPT69 295,752 7,372 SH   SOLE   0 0 7,372
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 201,703 546 SH   SOLE   0 0 546
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 221,062 6,989 SH   SOLE   0 0 6,989
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 482,405 11,923 SH   SOLE   0 0 11,923
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 4,828,662 49,474 SH   SOLE   0 0 49,474
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,282,057 4,903 SH   SOLE   0 0 4,903
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 6,607,447 66,307 SH   SOLE   0 0 66,307
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 329,329 3,366 SH   SOLE   0 0 3,366
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,571,270 3,525 SH   SOLE   0 0 3,525
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 39,980,987 408,178 SH   SOLE   0 0 408,178
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,626,777 22,306 SH   SOLE   0 0 22,306
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 252,654 7,113 SH   SOLE   0 0 7,113
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 2,214,962 46,957 SH   SOLE   0 0 46,957
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,458,887 32,755 SH   SOLE   0 0 32,755
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 302,398 4,171 SH   SOLE   0 0 4,171
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 641,066 5,984 SH   SOLE   0 0 5,984
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,565,986 14,384 SH   SOLE   0 0 14,384
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 267,941 582 SH   SOLE   0 0 582
MCDONALDS CORP COM 580135101 BBG001S5T110 213,662 716 SH   SOLE   0 0 716
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,165,419 3,422 SH   SOLE   0 0 3,422
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 335,384 4,520 SH   SOLE   0 0 4,520
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 2,954,338 32,246 SH   SOLE   0 0 32,246
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 42,572,384 454,149 SH   SOLE   0 0 454,149
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 207,884 1,370 SH   SOLE   0 0 1,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 453,891 18,428 SH   SOLE   0 0 18,428
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,580,368 128,482 SH   SOLE   0 0 128,482
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,439,567 52,850 SH   SOLE   0 0 52,850
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 692,324 13,391 SH   SOLE   0 0 13,391
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 22,599,658 318,171 SH   SOLE   0 0 318,171
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,673,750 83,876 SH   SOLE   0 0 83,876
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 4,766,683 64,267 SH   SOLE   0 0 64,267
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 701,883 4,037 SH   SOLE   0 0 4,037
SOUTHERN CO COM 842587107 BBG001S5W777 387,888 5,522 SH   SOLE   0 0 5,522
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,082,970 31,500 SH   SOLE   0 0 31,500
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,389,079 3,134 SH   SOLE   0 0 3,134
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 9,582,249 325,484 SH   SOLE   0 0 325,484
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 382,851 10,325 SH   SOLE   0 0 10,325
TESLA INC COM 88160R101 BBG001SQKGD7 378,258 1,445 SH   SOLE   0 0 1,445
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 374,444 5,151 SH   SOLE   0 0 5,151
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 529,418 1,871 SH   SOLE   0 0 1,871
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 5,143,481 23,362 SH   SOLE   0 0 23,362
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,292,063 27,430 SH   SOLE   0 0 27,430
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 55,006,877 135,059 SH   SOLE   0 0 135,059
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,990,292 10,007 SH   SOLE   0 0 10,007
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 11,937,191 54,191 SH   SOLE   0 0 54,191
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 264,324 4,858 SH   SOLE   0 0 4,858
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 16,178,854 341,182 SH   SOLE   0 0 341,182
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 289,288 1,781 SH   SOLE   0 0 1,781
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,550,873 98,981 SH   SOLE   0 0 98,981
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 49,694,677 1,076,108 SH   SOLE   0 0 1,076,108
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 22,537,215 115,902 SH   SOLE   0 0 115,902
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 26,733,331 60,461 SH   SOLE   0 0 60,461
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 226,619 1,594 SH   SOLE   0 0 1,594
WALMART INC COM 931142103 BBG001S5XH92 241,633 1,537 SH   SOLE   0 0 1,537
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 12,668,768 453,265 SH   SOLE   0 0 453,265
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 253,843 6,633 SH   SOLE   0 0 6,633
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,383,174 56,898 SH   SOLE   0 0 56,898