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 US EQUITY ETF 25434V401   86,298 1,791 SH   SOLE   0 0 1,791
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,275 133 SH   SOLE   0 0 133
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,169 145 SH   SOLE   0 0 145
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   12,186 264 SH   SOLE   0 0 264
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   8,222 157 SH   SOLE   0 0 157
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,679 86 SH   SOLE   0 0 86
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,905 112 SH   SOLE   0 0 112
VANGUARD WORLD FD ESG US STK ETF 921910733   3,456,331 44,114 SH   SOLE   0 0 44,114
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,674,740 42,313 SH   SOLE   0 0 42,313
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   13,711,534 296,915 SH   SOLE   0 0 296,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,097,362 149,886 SH   SOLE   0 0 149,886
VANGUARD INDEX FDS LARGE CAP ETF 922908637   13,061,452 64,431 SH   SOLE   0 0 64,431
VANGUARD INDEX FDS VALUE ETF 922908744   6,148,524 43,269 SH   SOLE   0 0 43,269
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,385,153 76,414 SH   SOLE   0 0 76,414
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   10,249,074 216,134 SH   SOLE   0 0 216,134
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,847,043 49,510 SH   SOLE   0 0 49,510
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,783,698 28,922 SH   SOLE   0 0 28,922
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   15,380,226 306,257 SH   SOLE   0 0 306,257
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,376,846 197,783 SH   SOLE   0 0 197,783
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,229,410 209,276 SH   SOLE   0 0 209,276