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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   481,646 27,227 SH   SOLE 0 0 0 27,227
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,541,508 67,087 SH   SOLE 0 0 0 67,087
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   1,214,436 32,325 SH   SOLE 0 0 0 32,325
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,932,017 102,541 SH   SOLE 0 0 0 102,541
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   72,196,618 2,755,596 SH   SOLE 0 0 0 2,755,596
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   4,210,263 104,292 SH   SOLE 0 0 0 104,292
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   43,604,805 938,343 SH   SOLE 0 0 0 938,343
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   32,039,581 1,422,717 SH   SOLE 0 0 0 1,422,717
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   14,257,863 610,615 SH   SOLE 0 0 0 610,615
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   3,597,890 125,515 SH   SOLE 0 0 0 125,515
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   7,295,715 242,948 SH   SOLE 0 0 0 242,948
GOLDMAN SACHS ETF TR ACCESS US AGRAT 38149W101   4,212,519 106,029 SH   SOLE 0 0 0 106,029
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   15,870,084 188,414 SH   SOLE 0 0 0 188,414
ISHARES INC CORE MSCI EMKT 46434G103   2,049,470 43,065 SH   SOLE 0 0 0 43,065
ISHARES INC ESG AWR MSCI EM 46434G863   2,335,033 77,115 SH   SOLE 0 0 0 77,115
ISHARES TR ESG ADV TTL USD 46436E619   3,431,413 84,000 SH   SOLE 0 0 0 84,000
ISHARES TR CONSER ALLOC ETF 464289883   246,183 7,249 SH   SOLE 0 0 0 7,249
ISHARES TR GRWT ALLOCAT ETF 464289867   2,952,941 59,764 SH   SOLE 0 0 0 59,764
ISHARES TR CORE TOTAL USD 46434V613   58,411,994 1,336,200 SH   SOLE 0 64,910 0 1,271,291
ISHARES TR ESG MSCI LEADR 46435U218   10,629,287 140,953 SH   SOLE 0 0 0 140,953
ISHARES TR CORE INTL AGGR 46435G672   17,463,318 358,002 SH   SOLE 0 35,769 0 322,233
ISHARES TR ESG AW MSCI EAFE 46435G516   5,914,116 85,551 SH   SOLE 0 0 0 85,551
ISHARES TR US SML CAP EQT 46434V290   4,723,938 91,319 SH   SOLE 0 0 0 91,319
ISHARES TR CORE MSCI TOTAL 46432F834   7,293,047 121,571 SH   SOLE 0 0 0 121,571
ISHARES TR CORE S&P MCP ETF 464287507   1,139,477 4,570 SH   SOLE 0 0 0 4,570
ISHARES TR GLOBAL REIT ETF 46434V647   253,528 11,976 SH   SOLE 0 0 0 11,976
ISHARES TR CORE S&P TTL STK 464287150   4,383,167 46,535 SH   SOLE 0 0 0 46,535
ISHARES TR AGGRES ALLOC ETF 464289859   4,696,390 73,971 SH   SOLE 0 1,009 0 72,962
ISHARES TR MODERT ALLOC ETF 464289875   432,824 11,118 SH   SOLE 0 0 0 11,118
ISHARES TR RUS MDCP VAL ETF 464287473   1,564,385 14,993 SH   SOLE 0 0 0 14,993
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   1,059,889 23,366 SH   SOLE 0 0 0 23,366
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   735,641 14,660 SH   SOLE 0 0 0 14,660
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815   3,187,615 66,243 SH   SOLE 0 0 0 66,243
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   269,794 5,361 SH   SOLE 0 0 0 5,361
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   2,270,899 65,218 SH   SOLE 0 0 0 65,218
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   17,082,746 508,869 SH   SOLE 0 51,650 0 457,220
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   49,193,278 1,586,368 SH   SOLE 0 166,466 0 1,419,902
SPDR SER TR PRTFLO S&P500 VL 78464A508   4,982,201 120,751 SH   SOLE 0 0 0 120,751
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,136,803 69,784 SH   SOLE 0 0 0 69,784
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   774,138 8,431 SH   SOLE 0 0 0 8,431
SPDR SER TR PORTFOLIO SHORT 78464A474   1,065,705 36,347 SH   SOLE 0 0 0 36,347
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   24,531,849 512,897 SH   SOLE 0 0 0 512,897
VANGUARD INDEX FDS TOTAL STK MKT 922908769   77,057,960 362,779 SH   SOLE 0 1 0 362,778
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   96,285,274 245,188 SH   SOLE 0 21,633 0 223,555
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   18,148,836 126,623 SH   SOLE 0 13,782 0 112,841
VANGUARD INDEX FDS SM CP VAL ETF 922908611   7,723,121 48,424 SH   SOLE 0 0 0 48,424
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,611,626 60,223 SH   SOLE 0 654 0 59,569
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,300,915 33,178 SH   SOLE 0 0 0 33,178
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   275,593 5,829 SH   SOLE 0 0 0 5,829
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   68,506,625 1,424,254 SH   SOLE 0 28,169 0 1,396,085
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   472,780 8,517 SH   SOLE 0 0 0 8,517
VANGUARD STAR FDS VG TL INTL STK F 921909768   51,835,596 968,528 SH   SOLE 0 0 0 968,528
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,675,463 38,323 SH   SOLE 0 0 0 38,323