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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 INTL CORE EQT MK 25434V203   6,617,152 223,025 SH   SOLE   0 0 223,025
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   3,877,628 149,889 SH   SOLE   0 0 149,889
ISHARES TR CORE US AGGBD ET 464287226   22,641,262 233,247 SH   SOLE   0 0 233,247
ISHARES TR MODERT ALLOC ETF 464289875   1,022,047 23,763 SH   SOLE   0 0 23,763
ISHARES TR AGGRES ALLOC ETF 464289859   3,304,902 44,195 SH   SOLE   0 0 44,195
ISHARES TR GRWT ALLOCAT ETF 464289867   3,370,273 59,842 SH   SOLE   0 0 59,842
ISHARES TR CORE S&P500 ETF 464287200   38,843,579 70,982 SH   SOLE   0 0 70,982
ISHARES TR CORE S&P SCP ETF 464287804   17,574,376 164,770 SH   SOLE   0 0 164,770
NOVO-NORDISK A S ADR 670100205   265,496 1,860 SH   SOLE   0 0 1,860
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   22,544,393 293,930 SH   SOLE   0 0 293,930
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,193,436 16,564 SH   SOLE   0 0 16,564
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   641,471 13,180 SH   SOLE   0 0 13,180
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,451,949 12,904 SH   SOLE   0 0 12,904
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,962,184 142,815 SH   SOLE   0 0 142,815
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,616,161 26,802 SH   SOLE   0 0 26,802