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
ARK ETF TR FINTECH INNOVA 00214Q708 2,056 50,327 SH   SOLE   0 0 50,327
ABERDEEN STD PLATINUM ETF TR PHYSCL PLATM SHS 003260106 1,558 17,330 SH   SOLE   0 0 17,330
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 508 28,940 SH   SOLE   0 0 28,940
ABERDEEN STD GLOBAL INFRASTR COM SHS BEN INT 00326W106 286 13,913 SH   SOLE   0 0 13,913
AMAZON COM INC COM 023135106 260 78 SH   SOLE   0 0 78
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 16,762 264,711 SH   SOLE   0 0 264,711
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 43,774 690,553 SH   SOLE   0 0 690,553
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 4,529 70,163 SH   SOLE   0 0 70,163
AMERICAN CENTY ETF TR US SML CP VALU 025072877 5,545 69,544 SH   SOLE   0 0 69,544
AMERICAN CENTY ETF TR US EQT ETF 025072885 122,083 1,522,985 SH   SOLE   0 0 1,522,985
APARTMENT INVT & MGMT CO CL A 03748R747 3,000 388,641 SH   SOLE   0 0 388,641
APPLE INC COM 037833100 441 2,483 SH   SOLE   0 0 2,483
AVALONBAY CMNTYS INC COM 053484101 3,185 12,611 SH   SOLE   0 0 12,611
BK OF AMERICA CORP COM 060505104 709 15,925 SH   SOLE   0 0 15,925
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 587 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109 328 1,880 SH   SOLE   0 0 1,880
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 6,035 116,729 SH   SOLE   0 0 116,729
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,218 20,306 SH   SOLE   0 0 20,306
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,447 30,453 SH   SOLE   0 0 30,453
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 8,366 288,774 SH   SOLE   0 0 288,774
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 582 22,300 SH   SOLE   0 0 22,300
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 988 120,000 SH   SOLE   0 0 120,000
EQUITY RESIDENTIAL SH BEN INT 29476L107 3,183 35,168 SH   SOLE   0 0 35,168
ESSEX PPTY TR INC COM 297178105 3,103 8,810 SH   SOLE   0 0 8,810
FACTSET RESH SYS INC COM 303075105 543 1,118 SH   SOLE   0 0 1,118
GEE GROUP INC COM 36165A102 71 124,100 SH   SOLE   0 0 124,100
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 3,933 164,279 SH   SOLE   0 0 164,279
INVESCO QQQ TR UNIT SER 1 46090E103 353 888 SH   SOLE   0 0 888
ISHARES TR MSCI EMG MKT ETF 464287234 210 4,300 SH   SOLE   0 0 4,300
ISHARES TR MSCI EAFE ETF 464287465 268 3,400 SH   SOLE   0 0 3,400
ISHARES SILVER TR ISHARES 46428Q109 699 32,500 SH   SOLE   0 0 32,500
JPMORGAN CHASE & CO COM 46625H100 332 2,098 SH   SOLE   0 0 2,098
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 418 11,522 SH   SOLE   0 0 11,522
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 5,836 113,919 SH   SOLE   0 0 113,919
SPDR S&P 500 ETF TR TR UNIT 78462F103 899 1,893 SH   SOLE   0 0 1,893
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 218 422 SH   SOLE   0 0 422
SPDR SER TR BLOOMBERG INVT 78468R200 4,080 133,388 SH   SOLE   0 0 133,388
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,120 65,200 SH   SOLE   0 0 65,200
SCHWAB STRATEGIC TR US REIT ETF 808524847 736 13,968 SH   SOLE   0 0 13,968
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,058 178,122 SH   SOLE   0 0 178,122
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,374 21,851 SH   SOLE   0 0 21,851
SEA LTD SPONSORD ADS 81141R100 235 1,050 SH   SOLE   0 0 1,050
SOUTHERN CO COM 842587107 230 3,353 SH   SOLE   0 0 3,353
TEMPLETON DRAGON FD INC COM 88018T101 2,423 142,500 SH   SOLE   0 0 142,500
V F CORP COM 918204108 412 5,623 SH   SOLE   0 0 5,623
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 291 1,695 SH   SOLE   0 0 1,695
VANGUARD STAR FDS VG TL INTL STK F 921909768 919 14,459 SH   SOLE   0 0 14,459
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 13,162 86,930 SH   SOLE   0 0 86,930
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,216 138,762 SH   SOLE   0 0 138,762
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15,428 182,046 SH   SOLE   0 0 182,046
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 30,903 605,229 SH   SOLE   0 0 605,229
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 241 4,830 SH   SOLE   0 0 4,830
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,115 20,215 SH   SOLE   0 0 20,215
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,815 52,170 SH   SOLE   0 0 52,170
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,030 101,705 SH   SOLE   0 0 101,705
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 10,489 116,792 SH   SOLE   0 0 116,792
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,624 30,735 SH   SOLE   0 0 30,735
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,509 48,606 SH   SOLE   0 0 48,606
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,851 124,772 SH   SOLE   0 0 124,772
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 67,146 153,803 SH   SOLE   0 0 153,803
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,013 17,351 SH   SOLE   0 0 17,351
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,204 5,326 SH   SOLE   0 0 5,326
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,520 6,295 SH   SOLE   0 0 6,295
CHUBB LIMITED COM H1467J104 418 2,160 SH   SOLE   0 0 2,160