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
WHITE MTNS INS GROUP LTD COM G9618E107   479,577 270 SH   SOLE   0 0 270
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   13,532,881 203,962 SH   SOLE   0 0 203,962
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,358,213 127,102 SH   SOLE   0 0 127,102
AMERICAN CENTY ETF TR US SML CP VALU 025072877   9,073,819 94,687 SH   SOLE   0 0 94,687
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   4,559,785 161,694 SH   SOLE   0 0 161,694
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,431,561 41,773 SH   SOLE   0 0 41,773
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   6,598,442 229,351 SH   SOLE   0 0 229,351
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   5,131,480 135,146 SH   SOLE   0 0 135,146
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   389,331 14,409 SH   SOLE   0 0 14,409
ILLINOIS TOOL WKS INC COM 452308109   220,753 854 SH   SOLE   0 0 854
INTERNATIONAL BUSINESS MACHS COM 459200101   452,344 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   303,964 528 SH   SOLE   0 0 528
ISHARES TR NATIONAL MUN ETF 464288414   817,819 7,571 SH   SOLE   0 0 7,571
ISHARES TR EAFE VALUE ETF 464288877   346,761 6,091 SH   SOLE   0 0 6,091
ISHARES INC ESG AWR MSCI EM 46434G863   427,170 11,440 SH   SOLE   0 0 11,440
ISHARES TR ESG AWRE 1 5 YR 46435G243   449,155 17,995 SH   SOLE   0 0 17,995
ISHARES TR ESG AWR MSCI USA 46435G425   818,854 6,504 SH   SOLE   0 0 6,504
ISHARES TR ESG AW MSCI EAFE 46435G516   580,676 6,986 SH   SOLE   0 0 6,986
ISHARES TR USD GRN BOND ETF 46435U440   663,555 13,882 SH   SOLE   0 0 13,882
ISHARES TR ESG EAFE ETF 46436E759   1,224,080 17,226 SH   SOLE   0 0 17,226
ISHARES TR ESG MSCI USA ETF 46436E767   983,095 20,006 SH   SOLE   0 0 20,006
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   993,401 24,001 SH   SOLE   0 0 24,001
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   513,243 12,082 SH   SOLE   0 0 12,082
PIMCO ETF TR INTER MUN BD ACT 72201R866   5,244,821 99,560 SH   SOLE   0 0 99,560
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,361,604 52,069 SH   SOLE   0 0 52,069
SPDR SER TR PORTFOLIO S&P500 78464A854   255,004 3,784 SH   SOLE   0 0 3,784
VANGUARD WORLD FD ESG US CORP BD 921910691   443,262 6,913 SH   SOLE   0 0 6,913
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,592,974 164,711 SH   SOLE   0 0 164,711
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,162,276 85,188 SH   SOLE   0 0 85,188
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,774,504 47,912 SH   SOLE   0 0 47,912
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   7,778,281 130,486 SH   SOLE   0 0 130,486
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   11,169,930 134,903 SH   SOLE   0 0 134,903
VANGUARD INDEX FDS TOTAL STK MKT 922908769   20,050,989 70,914 SH   SOLE   0 0 70,914
WALMART INC COM 931142103   445,080 5,499 SH   SOLE   0 0 5,499