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   493,549 270 SH   SOLE   0 0 270
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   13,594,817 203,485 SH   SOLE   0 0 203,485
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   7,476,777 129,805 SH   SOLE   0 0 129,805
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,874,323 93,720 SH   SOLE   0 0 93,720
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   4,085,996 165,224 SH   SOLE   0 0 165,224
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,429,428 41,650 SH   SOLE   0 0 41,650
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   6,122,987 234,507 SH   SOLE   0 0 234,507
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,892,872 138,491 SH   SOLE   0 0 138,491
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   341,597 13,920 SH   SOLE   0 0 13,920
ILLINOIS TOOL WKS INC COM 452308109   209,212 854 SH   SOLE   0 0 854
INTERNATIONAL BUSINESS MACHS COM 459200101   439,834 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   278,248 477 SH   SOLE   0 0 477
ISHARES TR NATIONAL MUN ETF 464288414   799,876 7,571 SH   SOLE   0 0 7,571
ISHARES TR EAFE VALUE ETF 464288877   325,132 6,267 SH   SOLE   0 0 6,267
ISHARES INC ESG AWR MSCI EM 46434G863   387,792 11,787 SH   SOLE   0 0 11,787
ISHARES TR ESG AWRE 1 5 YR 46435G243   452,393 18,375 SH   SOLE   0 0 18,375
ISHARES TR ESG AWR MSCI USA 46435G425   786,315 6,158 SH   SOLE   0 0 6,158
ISHARES TR ESG AW MSCI EAFE 46435G516   523,988 6,943 SH   SOLE   0 0 6,943
ISHARES TR USD GRN BOND ETF 46435U440   681,322 14,717 SH   SOLE   0 0 14,717
ISHARES TR ESG EAFE ETF 46436E759   1,101,966 17,186 SH   SOLE   0 0 17,186
ISHARES TR ESG MSCI USA ETF 46436E767   896,869 18,181 SH   SOLE   0 0 18,181
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   895,637 23,030 SH   SOLE   0 0 23,030
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   499,487 12,062 SH   SOLE   0 0 12,062
PIMCO ETF TR INTER MUN BD ACT 72201R866   5,342,754 103,884 SH   SOLE   0 0 103,884
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,393,490 54,970 SH   SOLE   0 0 54,970
SPDR SER TR PORTFOLIO S&P500 78464A854   257,423 3,769 SH   SOLE   0 0 3,769
VANGUARD WORLD FD ESG US CORP BD 921910691   443,650 7,235 SH   SOLE   0 0 7,235
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,174,392 171,984 SH   SOLE   0 0 171,984
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,256,073 87,845 SH   SOLE   0 0 87,845
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,830,629 49,243 SH   SOLE   0 0 49,243
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   7,776,098 135,213 SH   SOLE   0 0 135,213
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   11,147,731 140,417 SH   SOLE   0 0 140,417
VANGUARD INDEX FDS TOTAL STK MKT 922908769   19,960,422 69,476 SH   SOLE   0 0 69,476
WALMART INC COM 931142103   511,396 5,499 SH   SOLE   0 0 5,499