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   477,781 270 SH   SOLE   0 0 270
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   11,850,216 203,263 SH   SOLE   0 0 203,263
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   7,323,079 130,536 SH   SOLE   0 0 130,536
AMERICAN CENTY ETF TR US SML CP VALU 025072877   7,486,314 95,978 SH   SOLE   0 0 95,978
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   4,135,163 167,755 SH   SOLE   0 0 167,755
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,236,662 41,457 SH   SOLE   0 0 41,457
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   6,216,077 235,368 SH   SOLE   0 0 235,368
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,955,989 138,862 SH   SOLE   0 0 138,862
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   336,105 13,860 SH   SOLE   0 0 13,860
INTERNATIONAL BUSINESS MACHS COM 459200101   455,306 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   231,470 456 SH   SOLE   0 0 456
ISHARES TR NATIONAL MUN ETF 464288414   778,246 7,360 SH   SOLE   0 0 7,360
ISHARES TR EAFE VALUE ETF 464288877   333,293 6,155 SH   SOLE   0 0 6,155
ISHARES INC ESG AWR MSCI EM 46434G863   402,435 12,375 SH   SOLE   0 0 12,375
ISHARES TR ESG AWRE 1 5 YR 46435G243   491,462 19,690 SH   SOLE   0 0 19,690
ISHARES TR ESG AWR MSCI USA 46435G425   617,508 5,602 SH   SOLE   0 0 5,602
ISHARES TR ESG AW MSCI EAFE 46435G516   476,157 6,353 SH   SOLE   0 0 6,353
ISHARES TR USD GRN BOND ETF 46435U440   748,087 15,849 SH   SOLE   0 0 15,849
ISHARES TR ESG EAFE ETF 46436E759   1,072,574 17,364 SH   SOLE   0 0 17,364
ISHARES TR ESG MSCI USA ETF 46436E767   809,978 19,276 SH   SOLE   0 0 19,276
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   894,028 24,176 SH   SOLE   0 0 24,176
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   445,843 12,830 SH   SOLE   0 0 12,830
PIMCO ETF TR INTER MUN BD ACT 72201R866   5,426,786 104,643 SH   SOLE   0 0 104,643
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,371,084 53,916 SH   SOLE   0 0 53,916
SPDR SER TR PORTFOLIO S&P500 78464A854   224,067 3,769 SH   SOLE   0 0 3,769
VANGUARD WORLD FD ESG US CORP BD 921910691   491,266 7,814 SH   SOLE   0 0 7,814
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,077,690 172,195 SH   SOLE   0 0 172,195
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,450,574 89,172 SH   SOLE   0 0 89,172
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,908,033 49,575 SH   SOLE   0 0 49,575
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,238,514 137,538 SH   SOLE   0 0 137,538
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   11,629,974 142,193 SH   SOLE   0 0 142,193
VANGUARD INDEX FDS TOTAL STK MKT 922908769   17,308,622 69,661 SH   SOLE   0 0 69,661
WALMART INC COM 931142103   453,293 5,449 SH   SOLE   0 0 5,449