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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
OMB APPROVAL
OMB Number: 3235-0006
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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
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 460,539 5,128 SH   SOLE   723 0 4,405
APPLE INC COM 037833100 BBG001S5N8V8 2,843,091 14,767 SH   SOLE   14,767 0 0
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 BBG00ZS43SF2 275,256 5,259 SH   SOLE   2,058 0 3,201
CSX CORP COM 126408103 BBG001S5Q7Q3 457,089 13,184 SH   SOLE   13,044 0 140
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 22,975,755 541,881 SH   SOLE   398,535 0 143,346
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 BBG017156DS5 1,226,149 50,567 SH   SOLE   31,631 0 18,936
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,146,890 45,511 SH   SOLE   33,237 0 12,274
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 2,553,480 105,910 SH   SOLE   64,993 0 40,917
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 479,620 16,747 SH   SOLE   16,693 0 54
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 6,419,648 251,455 SH   SOLE   166,517 0 84,938
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 2,321,597 90,475 SH   SOLE   61,624 0 28,851
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 2,511,666 97,406 SH   SOLE   64,542 0 32,864
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 373,333 7,696 SH   SOLE   7,696 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 10,564,913 224,738 SH   SOLE   161,752 0 62,986
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 3,149,399 94,719 SH   SOLE   94,714 0 5
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 18,683,119 639,176 SH   SOLE   426,800 0 212,376
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 6,639,024 232,053 SH   SOLE   159,555 0 72,498
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 340,884 12,602 SH   SOLE   0 0 12,602
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,861,235 81,848 SH   SOLE   51,822 0 30,026
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 6,806,635 233,744 SH   SOLE   165,897 0 67,847
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 311,419 1,485 SH   SOLE   14 0 1,471
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,011,609 20,000 SH   SOLE   9,770 0 10,230
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 605,724 10,932 SH   SOLE   4,268 0 6,664
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 218,324 2,017 SH   SOLE   403 0 1,614
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 1,306,741 13,215 SH   SOLE   6,997 0 6,218
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 662,902 9,423 SH   SOLE   298 0 9,125
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 14,193,842 29,717 SH   SOLE   13,642 0 16,075
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 6,616,691 143,623 SH   SOLE   84,820 0 58,803
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,965,397 20,293 SH   SOLE   8,170 0 12,123
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,031,055 58,178 SH   SOLE   25,731 0 32,447
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 1,790,900 17,069 SH   SOLE   1,345 0 15,724
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 204,622 2,425 SH   SOLE   225 0 2,200
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 264,881 5,011 SH   SOLE   522 0 4,489
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 336,545 8,605 SH   SOLE   4,559 0 4,046
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 862,983 7,799 SH   SOLE   4,129 0 3,670
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 210,998 2,369 SH   SOLE   1,804 0 565
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,715,683 18,236 SH   SOLE   10,109 0 8,127
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 273,583 10,320 SH   SOLE   1,811 0 8,509
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 415,997 5,331 SH   SOLE   1,480 0 3,851
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 3,126,834 21,251 SH   SOLE   10,489 0 10,762
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 857,624 7,911 SH   SOLE   1,609 0 6,302
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,765,352 7,903 SH   SOLE   3,314 0 4,589
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,002,900 13,354 SH   SOLE   5,924 0 7,430
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 665,590 6,313 SH   SOLE   175 0 6,138
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 1,436,025 28,453 SH   SOLE   15,981 0 12,472
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,304,944 10,631 SH   SOLE   4,465 0 6,166
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 379,432 9,422 SH   SOLE   5,007 0 4,415
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 1,308,101 6,904 SH   SOLE   9 0 6,895
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 383,788 2,619 SH   SOLE   2,348 0 271
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 501,585 10,759 SH   SOLE   4,034 0 6,725
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 454,579 8,132 SH   SOLE   8,132 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,765,642 22,924 SH   SOLE   3,729 0 19,195
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 628,459 8,545 SH   SOLE   541 0 8,004
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 455,796 9,233 SH   SOLE   8,398 0 835
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,417,473 4,560 SH   SOLE   1,346 0 3,214
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 656,632 3,010 SH   SOLE   0 0 3,010
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 587,124 2,475 SH   SOLE   1,833 0 642
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,253,380 8,384 SH   SOLE   2,785 0 5,599
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 572,202 13,922 SH   SOLE   12,100 0 1,822
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,747,292 34,227 SH   SOLE   595 0 33,632
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,594,631 33,291 SH   SOLE   28,366 0 4,925
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 602,578 5,942 SH   SOLE   0 0 5,942
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 286,517 592 SH   SOLE   592 0 0