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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,639,697 116,956 SH   SOLE   0 0 116,956
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,865,233 186,336 SH   SOLE   0 0 186,336
ISHARES TR GRWT ALLOCAT ETF 464289867   3,248,880 65,754 SH   SOLE   0 0 65,754
ISHARES TR MODERT ALLOC ETF 464289875   948,646 24,368 SH   SOLE   0 0 24,368
ISHARES TR AGGRES ALLOC ETF 464289859   3,154,310 49,682 SH   SOLE   0 0 49,682
ISHARES TR CORE US AGGBD ET 464287226   19,547,640 207,865 SH   SOLE   0 0 207,865
ISHARES TR CORE S&P SCP ETF 464287804   15,119,697 160,285 SH   SOLE   0 0 160,285
ISHARES TR CORE S&P500 ETF 464287200   32,340,990 75,311 SH   SOLE   0 0 75,311
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   270,953 6,126 SH   SOLE   0 0 6,126
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   20,595,039 273,980 SH   SOLE   0 0 273,980
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   717,827 10,287 SH   SOLE   0 0 10,287
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   680,812 14,234 SH   SOLE   0 0 14,234
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,153,190 10,268 SH   SOLE   0 0 10,268
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,593,991 126,804 SH   SOLE   0 0 126,804
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,016,345 18,990 SH   SOLE   0 0 18,990