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
AMERICAN CENTY ETF TR US SML CP VALU 025072877   468,059 6,320 SH   SOLE   6,320 0 0
APPLE INC COM 037833100   367,535 2,229 SH   SOLE   2,229 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   887,464 32,930 SH   SOLE   32,930 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,298,467 29,225 SH   SOLE   29,225 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,037,136 19,680 SH   SOLE   19,680 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   318,175 7,150 SH   SOLE   7,150 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   336,472 13,695 SH   SOLE   13,695 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,068,483 49,720 SH   SOLE   49,720 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   3,582,221 11,162 SH   SOLE   11,162 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   1,634,460 34,541 SH   SOLE   34,541 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,217,366 5,394 SH   SOLE   5,394 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,062,500 26,926 SH   SOLE   26,926 0 0
ISHARES TR S&P 500 VAL ETF 464287408   495,345 3,264 SH   SOLE   3,264 0 0
ISHARES TR MSCI EAFE ETF 464287465   343,725 4,806 SH   SOLE   4,806 0 0
ISHARES TR RUS MID CAP ETF 464287499   566,702 8,105 SH   SOLE   8,105 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,639,496 9,190 SH   SOLE   9,190 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   230,503 979 SH   SOLE   979 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,088,379 42,279 SH   SOLE   42,279 0 0
ISHARES TR SP SMCP600VL ETF 464287879   324,508 3,467 SH   SOLE   3,467 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   423,020 8,370 SH   SOLE   8,370 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,375,516 20,576 SH   SOLE   20,576 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,364,652 27,970 SH   SOLE   27,970 0 0
PEPSICO INC COM 713448108   255,220 1,400 SH   SOLE   1,400 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,306,941 12,963 SH   SOLE   12,963 0 0
SPDR GOLD TR GOLD SHS 78463V107   625,880 3,416 SH   SOLE   3,416 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   5,704,318 62,125 SH   SOLE   62,125 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   533,065 21,740 SH   SOLE   21,740 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,710,225 96,541 SH   SOLE   96,541 0 0
TIMKENSTEEL CORPORATION COM 887399103   246,691 13,451 SH   SOLE   13,451 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   259,120 6,560 SH   SOLE   6,560 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,476,837 32,276 SH   SOLE   32,276 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,906,592 90,294 SH   SOLE   90,294 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,054,472 156,176 SH   SOLE   156,176 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   234,816 4,800 SH   SOLE   4,800 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,848,903 70,517 SH   SOLE   70,517 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,012,351 5,351 SH   SOLE   5,351 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,867,774 34,535 SH   SOLE   34,535 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   595,737 3,189 SH   SOLE   3,189 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   226,535 908 SH   SOLE   908 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   858,728 4,530 SH   SOLE   4,530 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,155,766 15,462 SH   SOLE   15,462 0 0