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
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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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 250,388 1,375 SH   OTR   0 0 1,375
AMAZON COM INC COM 023135106 BBG001S5PQL7 919,396 5,097 SH   OTR   0 0 5,097
APPLE INC COM 037833100 BBG001S5N8V8 900,714 5,253 SH   OTR   0 0 5,253
BROADCOM INC COM 11135F101 BBG00KHY5SY8 312,797 236 SH   OTR   0 0 236
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 1,880,452 45,052 SH   OTR   0 0 45,052
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 1,712,676 36,409 SH   OTR   0 0 36,409
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 9,111,247 285,172 SH   OTR   0 0 285,172
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 1,639,294 26,296 SH   OTR   0 0 26,296
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 216,903 1,866 SH   OTR   0 0 1,866
HOME DEPOT INC COM 437076102 BBG001S5RTW7 284,248 741 SH   OTR   0 0 741
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 BBG00PVP39R2 567,036 16,027 SH   OTR   0 0 16,027
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 765,419 19,571 SH   OTR   0 0 19,571
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 144,274 10,402 SH   OTR   0 0 10,402
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 1,079,773 51,053 SH   OTR   0 0 51,053
INVESCO EXCHANGE TRADED FD T LARGE CAP VALUE 46137V738 BBG001SJW5C5 1,014,004 17,890 SH   OTR   0 0 17,890
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 333,008 750 SH   OTR   0 0 750
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 2,168,546 18,725 SH   OTR   0 0 18,725
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 212,669 2,736 SH   OTR   0 0 2,736
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,313,143 3,896 SH   OTR   0 0 3,896
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 2,377,027 11,298 SH   OTR   0 0 11,298
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,033,282 9,620 SH   OTR   0 0 9,620
MERCK & CO INC COM 58933Y105 BBG001S5TC52 204,654 1,551 SH   OTR   0 0 1,551
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,509,122 3,587 SH   OTR   0 0 3,587
NORTHROP GRUMMAN CORP COM 666807102 BBG001S5TP26 395,851 827 SH   OTR   0 0 827
QUALCOMM INC COM 747525103 BBG001S6VS70 375,507 2,218 SH   OTR   0 0 2,218
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,356,429 4,504 SH   OTR   0 0 4,504
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 219,127 2,387 SH   OTR   0 0 2,387
STARBUCKS CORP COM 855244109 BBG001S72KH6 596,869 6,531 SH   OTR   0 0 6,531
UNION PAC CORP COM 907818108 BBG001S5X2M0 343,319 1,396 SH   OTR   0 0 1,396
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 5,560,242 73,751 SH   OTR   0 0 73,751
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 5,619,819 77,705 SH   OTR   0 0 77,705
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 10,380,299 135,412 SH   OTR   0 0 135,412
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 259,871 3,578 SH   OTR   0 0 3,578
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 12,685,298 257,921 SH   OTR   0 0 257,921
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 26,828,933 77,946 SH   OTR   0 0 77,946
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 830,037 9,598 SH   OTR   0 0 9,598
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 5,470,706 23,932 SH   OTR   0 0 23,932
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 370,877 1,427 SH   OTR   0 0 1,427
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 23,578,188 144,771 SH   OTR   0 0 144,771
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,459,802 24,890 SH   OTR   0 0 24,890
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 10,513,363 251,727 SH   OTR   0 0 251,727
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 5,468,879 119,923 SH   OTR   0 0 119,923
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 277,320 4,599 SH   OTR   0 0 4,599
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 30,208,405 602,161 SH   OTR   0 0 602,161
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 1,500,645 18,406 SH   OTR   0 0 18,406
VISA INC COM CL A 92826C839 BBG001SRCFY3 258,149 925 SH   OTR   0 0 925