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   511,974 270 SH   SOLE   0 0 270
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   15,144,190 208,770 SH   SOLE   0 0 208,770
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,751,763 127,491 SH   SOLE   0 0 127,491
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   210,796 2,344 SH   SOLE   0 0 2,344
AMERICAN CENTY ETF TR US SML CP VALU 025072877   10,134,146 101,473 SH   SOLE   0 0 101,473
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   12,649,279 233,921 SH   SOLE   0 0 233,921
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   4,717,782 174,862 SH   SOLE   0 0 174,862
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,598,561 41,147 SH   SOLE   0 0 41,147
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   8,126,652 226,306 SH   SOLE   0 0 226,306
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   6,281,371 135,462 SH   SOLE   0 0 135,462
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   415,999 13,123 SH   SOLE   0 0 13,123
ILLINOIS TOOL WKS INC COM 452308109   215,918 854 SH   SOLE   0 0 854
INTERNATIONAL BUSINESS MACHS COM 459200101   579,360 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   308,448 456 SH   SOLE   0 0 456
ISHARES TR NATIONAL MUN ETF 464288414   748,441 7,023 SH   SOLE   0 0 7,023
ISHARES TR EAFE VALUE ETF 464288877   372,536 5,460 SH   SOLE   0 0 5,460
ISHARES TR CORE MSCI EAFE 46432F842   212,240 2,399 SH   SOLE   0 0 2,399
ISHARES INC ESG AWR MSCI EM 46434G863   559,566 12,637 SH   SOLE   0 0 12,637
ISHARES TR ESG AWRE 1 5 YR 46435G243   504,823 19,993 SH   SOLE   0 0 19,993
ISHARES TR ESG AWR MSCI USA 46435G425   804,393 5,465 SH   SOLE   0 0 5,465
ISHARES TR ESG AW MSCI EAFE 46435G516   559,740 5,937 SH   SOLE   0 0 5,937
ISHARES TR USD GRN BOND ETF 46435U440   793,621 16,522 SH   SOLE   0 0 16,522
ISHARES TR ESG EAFE ETF 46436E759   1,488,365 19,346 SH   SOLE   0 0 19,346
ISHARES TR ESG MSCI USA ETF 46436E767   1,199,498 20,610 SH   SOLE   0 0 20,610
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,209,195 27,582 SH   SOLE   0 0 27,582
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   650,426 14,577 SH   SOLE   0 0 14,577
PIMCO ETF TR INTER MUN BD ACT 72201R866   8,750,175 167,307 SH   SOLE   0 0 167,307
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284   1,483,003 59,534 SH   SOLE   0 0 59,534
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   255,831 3,231 SH   SOLE   0 0 3,231
VANGUARD WORLD FD ESG US CORP BD 921910691   509,018 7,941 SH   SOLE   0 0 7,941
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,441,903 171,629 SH   SOLE   0 0 171,629
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,616,297 92,234 SH   SOLE   0 0 92,234
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,160,406 52,168 SH   SOLE   0 0 52,168
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,684,139 144,881 SH   SOLE   0 0 144,881
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   12,631,446 150,554 SH   SOLE   0 0 150,554
VANGUARD INDEX FDS TOTAL STK MKT 922908769   23,152,494 69,776 SH   SOLE   0 0 69,776
WALMART INC COM 931142103   560,690 5,449 SH   SOLE   0 0 5,449