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   7,928,735 91,683 SH   SOLE 0 0 0 91,683
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   6,699,193 121,582 SH   SOLE 0 0 0 121,582
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   11,284,566 197,179 SH   SOLE 0 0 0 197,179
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   5,577,344 218,634 SH   SOLE 0 0 0 218,634
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   3,887,493 151,323 SH   SOLE 0 0 0 151,323
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,210,656 41,790 SH   SOLE 0 0 0 41,790
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,388,856 128,555 SH   SOLE 0 0 0 128,555
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   375,981 15,575 SH   SOLE 0 0 0 15,575
INTERNATIONAL BUSINESS MACHS COM 459200101   331,046 1,997 SH   SOLE 0 0 0 1,997
ISHARES INC ESG AWR MSCI EM 46434G863   347,760 11,139 SH   SOLE 0 0 0 11,139
ISHARES TR ESG AW MSCI EAFE 46435G516   556,767 7,393 SH   SOLE 0 0 0 7,393
ISHARES TR SHRT NAT MUN ETF 464288158   1,820,375 17,327 SH   SOLE 0 0 0 17,327
ISHARES TR EAFE VALUE ETF 464288877   359,596 6,910 SH   SOLE 0 0 0 6,910
ISHARES TR CORE S&P500 ETF 464287200   267,499 559 SH   SOLE 0 0 0 559
ISHARES TR NATIONAL MUN ETF 464288414   730,987 6,731 SH   SOLE 0 0 0 6,731
ISHARES TR ESG AWR MSCI USA 46435G425   837,169 7,970 SH   SOLE 0 0 0 7,970
ISHARES TR ESG AWRE 1 5 YR 46435G243   418,501 17,033 SH   SOLE 0 0 0 17,033
ISHARES TR ESG MSCI USA ETF 46436E767   828,538 20,729 SH   SOLE 0 0 0 20,729
ISHARES TR ESG EAFE ETF 46436E759   1,068,705 16,764 SH   SOLE 0 0 0 16,764
ISHARES TR USD GRN BOND ETF 46435U440   628,987 13,326 SH   SOLE 0 0 0 13,326
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   809,402 22,609 SH   SOLE 0 0 0 22,609
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   428,467 11,271 SH   SOLE 0 0 0 11,271
PIMCO ETF TR INTER MUN BD ACT 72201R866   2,670,457 50,596 SH   SOLE 0 0 0 50,596
PROCTER AND GAMBLE CO COM 742718109   219,424 1,457 SH   SOLE 0 0 0 1,457
SPDR SER TR PORTFOLIO S&P500 78464A854   271,427 4,840 SH   SOLE 0 0 0 4,840
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,184,495 46,818 SH   SOLE 0 0 0 46,818
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,837,697 71,012 SH   SOLE 0 0 0 71,012
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,767,233 78,994 SH   SOLE 0 0 0 78,994
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   7,094,906 119,423 SH   SOLE 0 0 0 119,423
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,808,778 83,873 SH   SOLE 0 0 0 83,873
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,689,931 86,166 SH   SOLE 0 0 0 86,166
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,419,480 155,970 SH   SOLE 0 0 0 155,970
VANGUARD WORLD FD ESG US CORP BD 921910691   413,357 6,526 SH   SOLE 0 0 0 6,526
WHITE MTNS INS GROUP LTD COM G9618E107   670,775 438 SH   SOLE 0 0 0 438