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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
AMAZON COM INC COM 023135106   277,416 1,332 SH   SOLE   0 0 1,332
APPLE INC COM 037833100   502,122 1,978 SH   SOLE   0 0 1,978
COCA COLA CO COM 191216100   235,549 3,097 SH   SOLE   0 0 3,097
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,006,952 77,180 SH   SOLE   0 0 77,180
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   8,435,314 186,953 SH   SOLE   0 0 186,953
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,116,699 15,699 SH   SOLE   0 0 15,699
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   739,285 21,763 SH   SOLE   0 0 21,763
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   7,266,644 102,477 SH   SOLE   0 0 102,477
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   214,639 6,339 SH   SOLE   0 0 6,339
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   1,902,900 97,435 SH   SOLE   0 0 97,435
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   844,301 36,432 SH   SOLE   0 0 36,432
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,901,830 96,909 SH   SOLE   0 0 96,909
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   1,844,886 90,334 SH   SOLE   0 0 90,334
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   1,886,473 101,095 SH   SOLE   0 0 101,095
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   1,816,450 108,645 SH   SOLE   0 0 108,645
INVESCO QQQ TR UNIT SER 1 46090E103   1,012,374 1,754 SH   SOLE   0 0 1,754
ISHARES TR 0-5 YR TIPS ETF 46429B747   5,158,501 49,874 SH   SOLE   0 0 49,874
ISHARES TR 1 3 YR TREAS BD 464287457   5,320,068 64,431 SH   SOLE   0 0 64,431
ISHARES TR ISHS 1-5YR INVS 464288646   7,811,871 148,628 SH   SOLE   0 0 148,628
ISHARES TR 3 7 YR TREAS BD 464288661   5,372,958 45,303 SH   SOLE   0 0 45,303
ISHARES TR ISHS 5-10YR INVT 464288638   10,894,624 204,709 SH   SOLE   0 0 204,709
ISHARES TR 7-10 YR TRSY BD 464287440   2,583,833 27,073 SH   SOLE   0 0 27,073
ISHARES TR ULTRA SHORT DUR 46434V878   4,736,413 93,568 SH   SOLE   0 0 93,568
ISHARES TR MSCI EAFE ETF 464287465   309,942 3,191 SH   SOLE   0 0 3,191
ISHARES TR ESG AWR MSCI USA 46435G425   310,558 2,196 SH   SOLE   0 0 2,196
ISHARES TR 0-5YR INVT GR CP 46434V100   249,471 4,941 SH   SOLE   0 0 4,941
ISHARES TR RUS 1000 ETF 464287622   1,032,954 2,897 SH   SOLE   0 0 2,897
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   445,215 3,350 SH   SOLE   0 0 3,350
SPDR SERIES TRUST STATE STREET SPD 78464A854   4,075,741 53,250 SH   SOLE   0 0 53,250
SPDR SERIES TRUST STATE STREET SPD 78464A847   2,499,948 42,215 SH   SOLE   0 0 42,215
SPDR SERIES TRUST STATE STREET SPD 78468R853   2,308,062 47,766 SH   SOLE   0 0 47,766
SPDR SERIES TRUST STATE STREET SPD 78464A805   1,717,156 21,720 SH   SOLE   0 0 21,720
SPDR SERIES TRUST STATE STREET SPD 78464A763   888,775 6,090 SH   SOLE   0 0 6,090
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   4,342,886 6,678 SH   SOLE   0 0 6,678
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107   1,556,085 2,523 SH   SOLE   0 0 2,523
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,315,898 50,858 SH   SOLE   0 0 50,858
VANGUARD INDEX FDS MID CAP ETF 922908629   412,990 1,438 SH   SOLE   0 0 1,438
VANGUARD INDEX FDS SM CP VAL ETF 922908611   354,212 1,630 SH   SOLE   0 0 1,630
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,782,565 23,736 SH   SOLE   0 0 23,736
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   225,443 4,171 SH   SOLE   0 0 4,171
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   209,318 3,515 SH   SOLE   0 0 3,515
VANGUARD STAR FDS VG TL INTL STK F 921909768   833,857 10,814 SH   SOLE   0 0 10,814
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,213,944 112,577 SH   SOLE   0 0 112,577
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   414,236 2,797 SH   SOLE   0 0 2,797