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
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   2,758,281 127,403 SH   OTR 1 0 0 127,403
ALPHABET INC CAP STK CL A 02079K305   475,018 2,509 SH   OTR 1 0 0 2,509
AMAZON COM INC COM 023135106   1,374,698 6,266 SH   OTR 1 0 0 6,266
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   7,259,132 111,542 SH   OTR 1 0 0 111,541
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,696,913 17,579 SH   OTR 1 0 0 17,579
APPLE INC COM 037833100   4,462,069 17,818 SH   OTR 1 0 0 17,818
APPFOLIO INC COM CL A 03783C100   200,830 814 SH   OTR 1 0 0 814
AUTOZONE INC COM 053332102   381,038 119 SH   OTR 1 0 0 119
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   265,169 585 SH   OTR 1 0 0 585
COSTCO WHSL CORP NEW COM 22160K105   1,084,934 1,184 SH   OTR 1 0 0 1,184
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   287,371 4,508 SH   OTR 1 0 0 4,507
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,540,100 45,636 SH   OTR 1 0 0 45,636
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   457,217 17,902 SH   OTR 1 0 0 17,902
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   419,695 8,239 SH   OTR 1 0 0 8,239
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   586,668 17,859 SH   OTR 1 0 0 17,859
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   13,274,900 383,779 SH   OTR 1 0 0 383,778
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   1,752,193 46,232 SH   OTR 1 0 0 46,232
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   722,811 17,664 SH   OTR 1 0 0 17,664
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   7,932,049 302,866 SH   OTR 1 0 0 302,865
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   267,665 10,609 SH   OTR 1 0 0 10,609
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   2,573,065 96,841 SH   OTR 1 0 0 96,841
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   302,723 11,713 SH   OTR 1 0 0 11,713
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   2,533,068 71,394 SH   OTR 1 0 0 71,394
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   3,130,361 66,774 SH   OTR 1 0 0 66,773
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   5,692,761 228,993 SH   OTR 1 0 0 228,992
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   277,410 14,161 SH   OTR 1 0 0 14,160
FLEXSHARES TR QUALT DIVD IDX 33939L860   225,760 3,200 SH   OTR 1 0 0 3,200
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   328,609 2,853 SH   OTR 1 0 0 2,853
HOME DEPOT INC COM 437076102   312,146 802 SH   OTR 1 0 0 802
INVESCO QQQ TR UNIT SER 1 46090E103   743,866 1,455 SH   OTR 1 0 0 1,455
ISHARES TR CORE S&P TTL STK 464287150   23,009,969 178,899 SH   OTR 1 0 0 178,898
ISHARES TR CORE S&P500 ETF 464287200   1,810,780 3,076 SH   OTR 1 0 0 3,076
ISHARES TR MSCI EMG MKT ETF 464287234   506,733 12,117 SH   OTR 1 0 0 12,117
ISHARES TR RUS 1000 VAL ETF 464287598   301,577 1,629 SH   OTR 1 0 0 1,629
ISHARES TR SHRT NAT MUN ETF 464288158   401,668 3,808 SH   OTR 1 0 0 3,808
ISHARES TR 3 7 YR TREAS BD 464288661   2,627,607 22,740 SH   OTR 1 0 0 22,740
ISHARES TR EAFE VALUE ETF 464288877   384,930 7,336 SH   OTR 1 0 0 7,336
ISHARES TR CORE MSCI EAFE 46432F842   293,138 4,171 SH   OTR 1 0 0 4,171
ISHARES INC CORE MSCI EMKT 46434G103   3,965,743 75,943 SH   OTR 1 0 0 75,943
ISHARES TR CORE MSCI INTL 46435G326   14,156,215 219,578 SH   OTR 1 0 0 219,578
JOHNSON & JOHNSON COM 478160104   234,216 1,620 SH   OTR 1 0 0 1,619
KROGER CO COM 501044101   324,034 5,299 SH   OTR 1 0 0 5,299
ELI LILLY & CO COM 532457108   384,456 498 SH   OTR 1 0 0 498
MARSH & MCLENNAN COS INC COM 571748102   2,122,055 9,990 SH   OTR 1 0 0 9,990
MICROSOFT CORP COM 594918104   6,625,840 15,720 SH   OTR 1 0 0 15,719
NIO INC SPON ADS 62914V106   149,221 34,225 SH   OTR 1 0 0 34,225
NIKE INC CL B 654106103   265,218 3,505 SH   OTR 1 0 0 3,504
NVIDIA CORPORATION COM 67066G104   925,795 6,894 SH   OTR 1 0 0 6,894
PIMCO ETF TR 1-5 US TIP IDX 72201R205   267,144 5,108 SH   OTR 1 0 0 5,108
PROCTER AND GAMBLE CO COM 742718109   267,863 1,598 SH   OTR 1 0 0 1,597
SPDR S&P 500 ETF TR TR UNIT 78462F103   441,904 754 SH   OTR 1 0 0 754
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,957,296 86,648 SH   OTR 1 0 0 86,648
SPDR SER TR PORTFOLIO S&P500 78464A854   306,852 4,451 SH   OTR 1 0 0 4,451
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   286,499 503 SH   OTR 1 0 0 503
SALESFORCE INC COM 79466L302   446,665 1,336 SH   OTR 1 0 0 1,336
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   634,356 23,219 SH   OTR 1 0 0 23,219
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   209,466 8,706 SH   OTR 1 0 0 8,706
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   330,876 1,423 SH   OTR 1 0 0 1,423
STARBUCKS CORP COM 855244109   377,136 4,133 SH   OTR 1 0 0 4,133
TESLA INC COM 88160R101   1,469,170 3,638 SH   OTR 1 0 0 3,638
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,961,620 51,270 SH   OTR 1 0 0 51,269
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,117,169 211,568 SH   OTR 1 0 0 211,567
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,184,594 45,118 SH   OTR 1 0 0 45,117
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   415,174 3,534 SH   OTR 1 0 0 3,534
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,787,055 40,578 SH   OTR 1 0 0 40,578
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,596,493 148,215 SH   OTR 1 0 0 148,215
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   301,394 1,130 SH   OTR 1 0 0 1,130
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   618,377 1,148 SH   OTR 1 0 0 1,147
VANGUARD INDEX FDS GROWTH ETF 922908736   211,787 516 SH   OTR 1 0 0 516
VANGUARD INDEX FDS VALUE ETF 922908744   305,826 1,806 SH   OTR 1 0 0 1,806
VANGUARD INDEX FDS SMALL CP ETF 922908751   452,433 1,883 SH   OTR 1 0 0 1,882
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,484,015 15,472 SH   OTR 1 0 0 15,472
VISA INC COM CL A 92826C839   326,911 1,034 SH   OTR 1 0 0 1,034
WALMART INC COM 931142103   1,533,479 16,973 SH   OTR 1 0 0 16,972
WELLS FARGO CO NEW COM 949746101   1,275,699 18,162 SH   OTR 1 0 0 18,162