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   502,027 242 SH   SOLE   0 0 242
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   16,768,486 213,775 SH   SOLE   0 0 213,775
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   10,258,987 128,995 SH   SOLE   0 0 128,995
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   224,050 2,322 SH   SOLE   0 0 2,322
AMERICAN CENTY ETF TR US SML CP VALU 025072877   11,222,488 104,736 SH   SOLE   0 0 104,736
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   13,402,224 253,422 SH   SOLE   0 0 253,422
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   4,947,227 185,498 SH   SOLE   0 0 185,498
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,568,101 38,776 SH   SOLE   0 0 38,776
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   8,851,534 228,250 SH   SOLE   0 0 228,250
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   6,978,928 138,142 SH   SOLE   0 0 138,142
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   417,903 12,471 SH   SOLE   0 0 12,471
ILLINOIS TOOL WKS INC COM 452308109   216,755 854 SH   SOLE   0 0 854
INTERNATIONAL BUSINESS MACHS COM 459200101   605,901 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   315,803 456 SH   SOLE   0 0 456
ISHARES TR SHRT NAT MUN ETF 464288158   200,149 1,873 SH   SOLE   0 0 1,873
ISHARES TR NATIONAL MUN ETF 464288414   639,158 5,944 SH   SOLE   0 0 5,944
ISHARES TR EAFE VALUE ETF 464288877   376,988 5,220 SH   SOLE   0 0 5,220
ISHARES TR CORE MSCI EAFE 46432F842   219,125 2,399 SH   SOLE   0 0 2,399
ISHARES INC ESG AWR MSCI EM 46434G863   579,819 12,646 SH   SOLE   0 0 12,646
ISHARES TR ESG AWRE 1 5 YR 46435G243   519,841 20,600 SH   SOLE   0 0 20,600
ISHARES TR ESG AWR MSCI USA 46435G425   812,626 5,397 SH   SOLE   0 0 5,397
ISHARES TR ESG AW MSCI EAFE 46435G516   575,717 5,934 SH   SOLE   0 0 5,934
ISHARES TR USD GRN BOND ETF 46435U440   796,139 16,615 SH   SOLE   0 0 16,615
ISHARES TR ESG EAFE ETF 46436E759   1,510,978 19,618 SH   SOLE   0 0 19,618
ISHARES TR ESG MSCI USA ETF 46436E767   1,196,402 20,470 SH   SOLE   0 0 20,470
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   2,813,340 55,479 SH   SOLE   0 0 55,479
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,260,266 27,249 SH   SOLE   0 0 27,249
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   670,604 14,434 SH   SOLE   0 0 14,434
PIMCO ETF TR INTER MUN BD ACT 72201R866   8,569,424 162,700 SH   SOLE   0 0 162,700
SPDR SERIES TRUST STATE STREET SPD 78464A284   475,275 18,973 SH   SOLE   0 0 18,973
SPDR SERIES TRUST STATE STREET SPD 78464A854   255,852 3,154 SH   SOLE   0 0 3,154
VANGUARD WORLD FD ESG US CORP BD 921910691   540,537 8,491 SH   SOLE   0 0 8,491
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,152,262 174,418 SH   SOLE   0 0 174,418
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,172,295 104,480 SH   SOLE   0 0 104,480
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,407,005 55,239 SH   SOLE   0 0 55,239
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   9,274,722 154,733 SH   SOLE   0 0 154,733
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   13,394,553 159,878 SH   SOLE   0 0 159,878
VANGUARD INDEX FDS TOTAL STK MKT 922908769   24,238,378 71,260 SH   SOLE   0 0 71,260
WALMART INC COM 931142103   616,105 5,449 SH   SOLE   0 0 5,449