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 208,228 2,150 SH   SOLE   0 0 2,150
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 256,130 834 SH   SOLE   0 0 834
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 204,403 1,562 SH   SOLE   0 0 1,562
AMAZON COM INC COM 023135106 BBG001S5PQL7 516,743 4,065 SH   SOLE   0 0 4,065
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 BBG00XTVX698 2,468,529 54,218 SH   SOLE   0 0 54,218
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 BBG014GDZKC8 18,862,804 426,085 SH   SOLE   0 0 426,085
APPLE INC COM 037833100 BBG001S5N8V8 1,830,976 10,694 SH   SOLE   0 0 10,694
AT&T INC COM 00206R102 BBG001S5VWH2 179,204 11,931 SH   SOLE   0 0 11,931
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 718,816 2,052 SH   SOLE   0 0 2,052
CATERPILLAR INC COM 149123101 BBG001S5PJ06 512,694 1,878 SH   SOLE   0 0 1,878
COCA COLA CO COM 191216100 BBG001S5SMQ8 247,152 4,415 SH   SOLE   0 0 4,415
CSX CORP COM 126408103 BBG001S5Q7Q3 220,385 7,167 SH   SOLE   0 0 7,167
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 443,737 20,225 SH   SOLE   0 0 20,225
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 210,241 4,533 SH   SOLE   0 0 4,533
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 392,135 14,967 SH   SOLE   0 0 14,967
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 30,743,849 1,574,992 SH   SOLE   0 0 1,574,992
ELI LILLY & CO COM 532457108 BBG001S5STL8 267,491 498 SH   SOLE   0 0 498
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 272,433 2,317 SH   SOLE   0 0 2,317
HOME DEPOT INC COM 437076102 BBG001S5RTW7 521,297 1,725 SH   SOLE   0 0 1,725
INTEL CORP COM 458140100 BBG001S5SF65 221,697 6,236 SH   SOLE   0 0 6,236
ISHARES INC MSCI GBL ETF NEW 46434G848 BBG002GKR9K2 474,496 11,934 SH   SOLE   0 0 11,934
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 4,004,831 41,321 SH   SOLE   0 0 41,321
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,210,116 4,853 SH   SOLE   0 0 4,853
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 5,831,154 61,817 SH   SOLE   0 0 61,817
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 382,882 4,065 SH   SOLE   0 0 4,065
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,574,427 3,666 SH   SOLE   0 0 3,666
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 34,152,808 363,173 SH   SOLE   0 0 363,173
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,154,194 16,696 SH   SOLE   0 0 16,696
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 234,440 6,967 SH   SOLE   0 0 6,967
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 2,243,709 49,530 SH   SOLE   0 0 49,530
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,569,821 34,859 SH   SOLE   0 0 34,859
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 287,465 4,171 SH   SOLE   0 0 4,171
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 603,965 5,984 SH   SOLE   0 0 5,984
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,880,901 17,927 SH   SOLE   0 0 17,927
ISHARES TR US CONSM STAPLES 464287812 BBG001SF7V89 464,223 2,489 SH   SOLE   0 0 2,489
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 204,344 1,312 SH   SOLE   0 0 1,312
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 289,460 1,996 SH   SOLE   0 0 1,996
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 444,540 1,087 SH   SOLE   0 0 1,087
LOWES COS INC COM 548661107 BBG001S5SVL3 333,999 1,607 SH   SOLE   0 0 1,607
MCDONALDS CORP COM 580135101 BBG001S5T110 263,177 999 SH   SOLE   0 0 999
MERCK & CO INC COM 58933Y105 BBG001S5TC52 296,496 2,880 SH   SOLE   0 0 2,880
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,790,703 5,671 SH   SOLE   0 0 5,671
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 484,845 8,463 SH   SOLE   0 0 8,463
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 8,172,816 92,979 SH   SOLE   0 0 92,979
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 BBG005VLSHH1 44,033,027 469,736 SH   SOLE   0 0 469,736
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 274,217 1,880 SH   SOLE   0 0 1,880
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 452,020 18,881 SH   SOLE   0 0 18,881
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 7,215,317 212,465 SH   SOLE   0 0 212,465
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 1,007,338 22,775 SH   SOLE   0 0 22,775
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 969,430 19,447 SH   SOLE   0 0 19,447
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 20,708,197 305,972 SH   SOLE   0 0 305,972
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 320,670 18,066 SH   SOLE   0 0 18,066
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,310,917 104,078 SH   SOLE   0 0 104,078
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 4,463,223 64,863 SH   SOLE   0 0 64,863
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 661,294 4,034 SH   SOLE   0 0 4,034
SOUTHERN CO COM 842587107 BBG001S5W777 361,742 5,589 SH   SOLE   0 0 5,589
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,132,803 63,533 SH   SOLE   0 0 63,533
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,282,375 3,000 SH   SOLE   0 0 3,000
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 8,608,469 293,604 SH   SOLE   0 0 293,604
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 362,098 10,325 SH   SOLE   0 0 10,325
TESLA INC COM 88160R101 BBG001SQKGD7 361,568 1,445 SH   SOLE   0 0 1,445
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,307,977 18,744 SH   SOLE   0 0 18,744
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 497,510 1,827 SH   SOLE   0 0 1,827
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 5,715,245 27,445 SH   SOLE   0 0 27,445
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,515,492 46,464 SH   SOLE   0 0 46,464
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 51,155,210 130,265 SH   SOLE   0 0 130,265
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,977,294 10,458 SH   SOLE   0 0 10,458
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 12,863,760 60,561 SH   SOLE   0 0 60,561
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 246,901 4,760 SH   SOLE   0 0 4,760
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 17,361,671 367,210 SH   SOLE   0 0 367,210
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,270,293 98,473 SH   SOLE   0 0 98,473
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 45,169,734 1,033,160 SH   SOLE   0 0 1,033,160
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 20,757,420 113,633 SH   SOLE   0 0 113,633
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 23,978,217 57,793 SH   SOLE   0 0 57,793
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 214,395 1,681 SH   SOLE   0 0 1,681
WISDOMTREE TR EM EX ST-OWNED 97717X578 BBG007PB9N20 11,425,650 428,408 SH   SOLE   0 0 428,408
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 242,226 6,463 SH   SOLE   0 0 6,463
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 3,364,693 58,547 SH   SOLE   0 0 58,547