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
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 479,842 5,120 SH   SOLE   715 0 4,405
APPLE INC COM 037833100 BBG001S5N8V8 2,618,500 15,270 SH   SOLE   15,270 0 0
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 BBG00ZS43SF2 312,770 5,448 SH   SOLE   2,297 0 3,151
BLACKROCK ETF TRUST US EQT FACTOR 09290C103 BBG00NNWBWQ2 1,707,411 38,455 SH   SOLE   7,815 0 30,640
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603 BBG01GQYLJY8 355,705 6,780 SH   SOLE   1,589 0 5,191
CSX CORP COM 126408103 BBG001S5Q7Q3 488,731 13,184 SH   SOLE   13,044 0 140
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 19,524,672 465,427 SH   SOLE   355,342 0 110,085
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 1,232,674 48,359 SH   SOLE   37,725 0 10,634
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 BBG017156DS5 1,099,605 44,303 SH   SOLE   27,308 0 16,995
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,029,990 39,676 SH   SOLE   28,912 0 10,764
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 2,526,423 102,202 SH   SOLE   66,796 0 35,406
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 BBG01JY7QW78 520,760 9,823 SH   SOLE   9,823 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 516,325 17,086 SH   SOLE   17,032 0 54
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 9,449,378 353,248 SH   SOLE   244,522 0 108,726
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 2,149,251 79,779 SH   SOLE   54,383 0 25,396
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 2,295,830 84,437 SH   SOLE   55,861 0 28,576
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 392,126 8,154 SH   SOLE   8,154 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 11,439,614 243,189 SH   SOLE   187,136 0 56,053
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 2,444,582 66,902 SH   SOLE   66,897 0 5
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625 BBG01J6LTBL5 591,309 10,082 SH   SOLE   9,236 0 846
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 16,761,745 524,624 SH   SOLE   369,045 0 155,579
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 5,979,745 189,173 SH   SOLE   136,662 0 52,511
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 366,298 12,214 SH   SOLE   0 0 12,214
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,515,167 67,732 SH   SOLE   44,323 0 23,409
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 7,276,519 241,745 SH   SOLE   176,746 0 64,999
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 223,065 1,919 SH   SOLE   343 0 1,576
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 304,796 1,485 SH   SOLE   14 0 1,471
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 541,156 10,488 SH   SOLE   6,726 0 3,762
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 867,733 15,073 SH   SOLE   4,010 0 11,063
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 707,702 7,479 SH   SOLE   2,326 0 5,153
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,128,101 62,625 SH   SOLE   46,099 0 16,526
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 699,217 9,421 SH   SOLE   298 0 9,123
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,511,874 18,093 SH   SOLE   5,627 0 12,466
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 5,665,931 124,280 SH   SOLE   48,931 0 75,349
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,975,768 19,036 SH   SOLE   6,769 0 12,267
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 2,958,361 54,382 SH   SOLE   29,306 0 25,076
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 1,301,939 11,325 SH   SOLE   735 0 10,590
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 270,445 4,858 SH   SOLE   510 0 4,348
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 300,224 6,990 SH   SOLE   2,031 0 4,959
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 454,591 13,033 SH   SOLE   2,477 0 10,556
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,048,558 11,346 SH   SOLE   3,203 0 8,143
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 262,680 9,305 SH   SOLE   1,314 0 7,991
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 2,318,963 14,110 SH   SOLE   4,689 0 9,421
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,030,610 9,578 SH   SOLE   1,680 0 7,898
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 984,372 3,979 SH   SOLE   1,570 0 2,409
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,531,127 18,133 SH   SOLE   3,597 0 14,536
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,494,999 8,003 SH   SOLE   2,952 0 5,051
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 645,677 6,165 SH   SOLE   164 0 6,001
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 1,020,963 7,559 SH   SOLE   1,485 0 6,074
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 277,551 6,401 SH   SOLE   2,079 0 4,322
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 1,422,292 6,905 SH   SOLE   10 0 6,895
MICROSOFT CORP COM 594918104 BBG001S5TD05 219,886 523 SH   SOLE   439 0 84
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 425,257 2,621 SH   SOLE   2,350 0 271
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 419,244 9,114 SH   SOLE   2,176 0 6,938
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 1,690,662 23,374 SH   SOLE   17,278 0 6,096
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,756,642 22,912 SH   SOLE   3,784 0 19,128
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 643,174 8,855 SH   SOLE   494 0 8,361
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 400,096 8,134 SH   SOLE   8,092 0 42
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 8,065,362 23,432 SH   SOLE   14,495 0 8,937
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 721,678 3,010 SH   SOLE   0 0 3,010
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 200,498 877 SH   SOLE   554 0 323
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 642,102 2,471 SH   SOLE   1,829 0 642
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,909,048 42,423 SH   SOLE   25,730 0 16,693
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 488,509 11,695 SH   SOLE   9,825 0 1,870
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,750,802 34,601 SH   SOLE   595 0 34,006
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 1,651,479 36,209 SH   SOLE   27,797 0 8,412
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,581,763 31,528 SH   SOLE   26,603 0 4,925
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 598,359 5,942 SH   SOLE   0 0 5,942
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 303,255 578 SH   SOLE   578 0 0