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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 US EQUITY ETF 25434V401   74,080 1,780 SH   SOLE   0 0 1,780
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   22,104 400 SH   SOLE   0 0 400
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   11,124 470 SH   SOLE   0 0 470
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,651 548 SH   SOLE   0 0 548
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   67,059 1,469 SH   SOLE   0 0 1,469
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,954 597 SH   SOLE   0 0 597
SCHWAB STRATEGIC TR US REIT ETF 808524847   6,230 323 SH   SOLE   0 0 323
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   17,540 433 SH   SOLE   0 0 433
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   23,081 152 SH   SOLE   0 0 152
VANGUARD WORLD FD ESG US STK ETF 921910733   3,106,616 47,170 SH   SOLE   0 0 47,170
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   548,832 10,946 SH   SOLE   0 0 10,946
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,509,040 43,858 SH   SOLE   0 0 43,858
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   13,328,874 317,581 SH   SOLE   0 0 317,581
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,791,375 148,573 SH   SOLE   0 0 148,573
VANGUARD BD INDEX FDS INTERMED TERM 921937819   16,564,515 222,881 SH   SOLE   0 0 222,881
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,984,877 63,059 SH   SOLE   0 0 63,059
VANGUARD INDEX FDS VALUE ETF 922908744   5,723,025 40,771 SH   SOLE   0 0 40,771
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,248,932 75,763 SH   SOLE   0 0 75,763
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   9,424,956 201,776 SH   SOLE   0 0 201,776
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,102,299 49,593 SH   SOLE   0 0 49,593
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,526,752 28,506 SH   SOLE   0 0 28,506
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,621,584 52,972 SH   SOLE   0 0 52,972
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,797,721 178,142 SH   SOLE   0 0 178,142
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,293,961 132,700 SH   SOLE   0 0 132,700