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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
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,756,197 115,470 SH   SOLE   115,470 0 0
PLANET LABS PBC COM CL A 72703X106   90,197 34,691 SH   SOLE   34,691 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   982,251 17,053 SH   SOLE   17,053 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,037,462 85,107 SH   SOLE   85,107 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,658,709 39,284 SH   SOLE   39,284 0 0
APPLE INC COM 037833100   402,172 2,349 SH   SOLE   2,349 0 0
EXXON MOBIL CORP COM 30231G102   229,634 1,953 SH   SOLE   1,953 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   816,995 16,985 SH   SOLE   16,985 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   922,077 12,270 SH   SOLE   12,270 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   1,617,924 37,006 SH   SOLE   37,006 0 0
CAMBRIA ETF TR TAIL RISK 132061862   284,680 22,000 SH   SOLE   22,000 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   697,926 13,793 SH   SOLE   13,793 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,745,124 12,924 SH   SOLE   12,924 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,631,114 106,923 SH   SOLE   106,923 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,185,067 20,736 SH   SOLE   20,736 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,102,649 36,572 SH   SOLE   36,572 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,166,990 90,974 SH   SOLE   90,974 0 0
ISHARES GOLD TR ISHARES NEW 464285204   247,099 7,062 SH   SOLE   7,062 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   1,056,673 19,036 SH   SOLE   19,036 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   719,051 10,162 SH   SOLE   10,162 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,071,498 27,264 SH   SOLE   27,264 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   225,217 527 SH   SOLE   527 0 0
ISHARES TR TIPS BD ETF 464287176   245,642 2,368 SH   SOLE   2,368 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   385,498 1,851 SH   SOLE   1,851 0 0
ALPHA ARCHITECT ETF TR DISCIPLINE FUND 02072L748   27,956,519 1,335,447 SH   SOLE   1,335,447 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   685,007 9,817 SH   SOLE   9,817 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   290,199 810 SH   SOLE   810 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,117,882 25,274 SH   SOLE   25,274 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,160,442 23,649 SH   SOLE   23,649 0 0
ISHARES TR CORE S&P500 ETF 464287200   246,922 575 SH   SOLE   575 0 0
SNAP INC CL A 83304A106   160,683 18,034 SH   SOLE   18,034 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,708,203 31,917 SH   SOLE   31,917 0 0
JOHNSON & JOHNSON COM 478160104   210,263 1,350 SH   SOLE   1,350 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   482,183 1,228 SH   SOLE   1,228 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   7,766,698 83,352 SH   SOLE   83,352 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   242,144 3,381 SH   SOLE   3,381 0 0