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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323 203 5,128 SH   SOLE   0 0 5,128
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 7,904 172,089 SH   SOLE   0 0 172,089
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 24,153 529,449 SH   SOLE   0 0 529,449
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 437 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877 317 4,800 SH   SOLE   0 0 4,800
AMERICAN CENTY ETF TR US EQT ETF 025072885 55,174 884,914 SH   SOLE   0 0 884,914
ANALOG DEVICES INC COM 032654105 223 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100 975 7,052 SH   SOLE   0 0 7,052
BK OF AMERICA CORP COM 060505104 503 16,657 SH   SOLE   0 0 16,657
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 463 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109 241 1,880 SH   SOLE   0 0 1,880
COCA COLA CO COM 191216100 368 6,577 SH   SOLE   0 0 6,577
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 2,772 71,409 SH   SOLE   0 0 71,409
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 930 19,981 SH   SOLE   0 0 19,981
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,450 37,216 SH   SOLE   0 0 37,216
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,935 311,805 SH   SOLE   0 0 311,805
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1,829 61,779 SH   SOLE   0 0 61,779
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 874 18,739 SH   SOLE   0 0 18,739
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 453 24,002 SH   SOLE   0 0 24,002
FACTSET RESH SYS INC COM 303075105 447 1,118 SH   SOLE   0 0 1,118
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 1,760 94,102 SH   SOLE   0 0 94,102
INVESCO QQQ TR UNIT SER 1 46090E103 1,126 4,213 SH   SOLE   0 0 4,213
JPMORGAN CHASE & CO COM 46625H100 233 2,232 SH   SOLE   0 0 2,232
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 8,793 174,816 SH   SOLE   0 0 174,816
JOHNSON & JOHNSON COM 478160104 470 2,879 SH   SOLE   0 0 2,879
LILLY ELI & CO COM 532457108 200 619 SH   SOLE   0 0 619
MICROSOFT CORP COM 594918104 675 2,899 SH   SOLE   0 0 2,899
PEPSICO INC COM 713448108 529 3,242 SH   SOLE   0 0 3,242
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 6,372 130,408 SH   SOLE   0 0 130,408
SPDR S&P 500 ETF TR TR UNIT 78462F103 714 1,998 SH   SOLE   0 0 1,998
SPDR SER TR BLOOMBERG INVT 78468R200 10,004 330,169 SH   SOLE   0 0 330,169
SCHWAB STRATEGIC TR US REIT ETF 808524847 357 19,118 SH   SOLE   0 0 19,118
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 203 4,214 SH   SOLE   0 0 4,214
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,233 23,809 SH   SOLE   0 0 23,809
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 307 2,270 SH   SOLE   0 0 2,270
VANGUARD STAR FDS VG TL INTL STK F 921909768 478 10,444 SH   SOLE   0 0 10,444
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 829 3,976 SH   SOLE   0 0 3,976
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,402 19,480 SH   SOLE   0 0 19,480
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,680 22,863 SH   SOLE   0 0 22,863
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20,594 275,246 SH   SOLE   0 0 275,246
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,530 21,447 SH   SOLE   0 0 21,447
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 927 25,490 SH   SOLE   0 0 25,490
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 10,542 215,367 SH   SOLE   0 0 215,367
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 360 7,539 SH   SOLE   0 0 7,539
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,843 40,879 SH   SOLE   0 0 40,879
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,744 77,770 SH   SOLE   0 0 77,770
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,473 7,533 SH   SOLE   0 0 7,533
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,030 25,319 SH   SOLE   0 0 25,319
VANGUARD INDEX FDS SMALL CP ETF 922908751 693 4,054 SH   SOLE   0 0 4,054
VANGUARD INDEX FDS TOTAL STK MKT 922908769 871 4,854 SH   SOLE   0 0 4,854
CHUBB LIMITED COM H1467J104 545 2,999 SH   SOLE   0 0 2,999