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   496,185 25,136 SH   SOLE 0 0 0 25,136
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   1,498,993 34,611 SH   SOLE 0 0 0 34,611
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   6,712,281 107,414 SH   SOLE 0 0 0 107,414
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,027,979 71,431 SH   SOLE 0 0 0 71,431
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   80,399,928 2,750,596 SH   SOLE 0 0 0 2,750,596
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   35,594,822 1,457,609 SH   SOLE 0 0 0 1,457,609
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   43,708,839 901,027 SH   SOLE 0 0 0 901,027
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   4,391,182 103,566 SH   SOLE 0 0 0 103,566
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   16,677,183 653,239 SH   SOLE 0 0 0 653,239
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   4,032,557 131,396 SH   SOLE 0 0 0 131,396
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   18,252,185 194,565 SH   SOLE 0 0 0 194,565
GOLDMAN SACHS ETF TR ACCESS US AGRAT 38149W101   4,409,687 105,319 SH   SOLE 0 0 0 105,319
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   8,246,959 252,509 SH   SOLE 0 0 0 252,509
ISHARES INC CORE MSCI EMKT 46434G103   2,444,579 48,331 SH   SOLE 0 0 0 48,331
ISHARES INC ESG AWR MSCI EM 46434G863   3,075,297 95,923 SH   SOLE 0 0 0 95,923
ISHARES TR CONSER ALLOC ETF 464289883   311,120 8,606 SH   SOLE 0 0 0 8,606
ISHARES TR GRWT ALLOCAT ETF 464289867   3,072,272 57,760 SH   SOLE 0 0 0 57,760
ISHARES TR CORE INTL AGGR 46435G672   19,225,130 386,047 SH   SOLE 0 36,589 0 349,457
ISHARES TR CORE TOTAL USD 46434V613   64,292,510 1,395,540 SH   SOLE 0 66,043 0 1,329,496
ISHARES TR US SML CAP EQT 46434V290   5,613,824 95,441 SH   SOLE 0 0 0 95,441
ISHARES TR ESG AW MSCI EAFE 46435G516   8,324,740 110,203 SH   SOLE 0 0 0 110,203
ISHARES TR ESG MSCI LEADR 46435U218   14,354,234 170,114 SH   SOLE 0 0 0 170,114
ISHARES TR CORE MSCI TOTAL 46432F834   8,063,722 124,191 SH   SOLE 0 0 0 124,191
ISHARES TR ESG ADV TTL USD 46436E619   4,318,062 99,817 SH   SOLE 0 0 0 99,817
ISHARES TR RUS MDCP VAL ETF 464287473   1,784,691 15,347 SH   SOLE 0 0 0 15,347
ISHARES TR CORE S&P TTL STK 464287150   5,537,453 52,622 SH   SOLE 0 0 0 52,622
ISHARES TR AGGRES ALLOC ETF 464289859   5,486,768 79,461 SH   SOLE 0 1,116 0 78,345
ISHARES TR CORE S&P MCP ETF 464287507   1,290,294 4,656 SH   SOLE 0 0 0 4,656
ISHARES TR GLOBAL REIT ETF 46434V647   303,636 12,557 SH   SOLE 0 0 0 12,557
ISHARES TR MODERT ALLOC ETF 464289875   468,123 11,277 SH   SOLE 0 0 0 11,277
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   1,160,009 24,920 SH   SOLE 0 0 0 24,920
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   786,955 15,667 SH   SOLE 0 0 0 15,667
J P MORGAN EXCHANGE TRADED F SUSTAINABLE MUNI 46654Q815   4,312,571 85,355 SH   SOLE 0 0 0 85,355
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   287,339 5,713 SH   SOLE 0 0 0 5,713
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   3,255,701 83,266 SH   SOLE 0 0 0 83,266
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   20,247,094 571,790 SH   SOLE 0 54,348 0 517,443
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   60,729,399 1,785,634 SH   SOLE 0 173,890 0 1,611,744
SPDR SER TR PORTFOLIO SHORT 78464A474   1,154,611 38,771 SH   SOLE 0 0 0 38,771
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   645,400 7,062 SH   SOLE 0 0 0 7,062
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,151,928 131,931 SH   SOLE 0 0 0 131,931
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,893,041 75,208 SH   SOLE 0 0 0 75,208
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   26,586,669 538,573 SH   SOLE 0 0 0 538,573
VANGUARD INDEX FDS SM CP VAL ETF 922908611   8,858,685 49,223 SH   SOLE 0 0 0 49,223
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   23,198,274 141,092 SH   SOLE 0 14,275 0 126,816
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   114,175,445 261,391 SH   SOLE 0 22,131 0 239,260
VANGUARD INDEX FDS TOTAL STK MKT 922908769   89,032,617 375,317 SH   SOLE 0 0 0 375,317
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,643,857 64,579 SH   SOLE 0 659 0 63,920
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,249,776 30,408 SH   SOLE 0 0 0 30,408
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   294,151 6,194 SH   SOLE 0 0 0 6,194
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   80,463,212 1,576,165 SH   SOLE 0 28,795 0 1,547,370
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   494,703 8,040 SH   SOLE 0 0 0 8,040
VANGUARD STAR FDS VG TL INTL STK F 921909768   60,000,715 1,035,209 SH   SOLE 0 0 0 1,035,209
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,376,819 28,744 SH   SOLE 0 0 0 28,744