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
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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
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,344,897 106,829 SH   SOLE   0 0 106,829
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,457,471 178,014 SH   SOLE   0 0 178,014
ISHARES TR GRWT ALLOCAT ETF 464289867   3,259,463 69,115 SH   SOLE   0 0 69,115
ISHARES TR MODERT ALLOC ETF 464289875   933,412 24,557 SH   SOLE   0 0 24,557
ISHARES TR AGGRES ALLOC ETF 464289859   2,880,667 48,212 SH   SOLE   0 0 48,212
ISHARES TR CORE US AGGBD ET 464287226   19,415,797 200,183 SH   SOLE   0 0 200,183
ISHARES TR CORE S&P SCP ETF 464287804   15,043,987 158,960 SH   SOLE   0 0 158,960
ISHARES TR CORE S&P500 ETF 464287200   29,772,486 77,360 SH   SOLE   0 0 77,360
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   268,787 5,888 SH   SOLE   0 0 5,888
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   438,224 6,100 SH   SOLE   0 0 6,100
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,428,225 258,080 SH   SOLE   0 0 258,080
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   493,604 10,407 SH   SOLE   0 0 10,407
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,376,787 7,308 SH   SOLE   0 0 402
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,691,647 117,503 SH   SOLE   0 0 117,503
VANGUARD STAR FDS VG TL INTL STK F 921909768   684,152 13,228 SH   SOLE   0 0 13,228