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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   12,065,261 125,042 SH   SOLE   0 0 125,042
AMERICAN CENTY ETF TR US SML CP VALU 025072877   12,919,669 103,556 SH   SOLE   0 0 103,556
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   19,200,386 210,507 SH   SOLE   0 0 210,507
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   226,401 2,197 SH   SOLE   0 0 2,197
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   8,694,318 216,654 SH   SOLE   0 0 216,654
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,102,512 131,479 SH   SOLE   0 0 131,479
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   5,627,814 194,264 SH   SOLE   0 0 194,264
DIMENSIONAL ETF TRUST INTL COR FIX ETF 25434V575   14,197,477 264,904 SH   SOLE   0 0 264,904
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708   1,669,089 37,626 SH   SOLE   0 0 37,626
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   400,230 10,864 SH   SOLE   0 0 10,864
ILLINOIS TOOL WKS INC COM 452308109   231,055 854 SH   SOLE   0 0 854
INTERNATIONAL BUSINESS MACHS COM 459200101   562,848 2,002 SH   SOLE   0 0 2,002
ISHARES INC ESG AWR MSCI EM 46434G863   649,334 11,873 SH   SOLE   0 0 11,873
ISHARES TR ESG AW MSCI EAFE 46435G516   596,504 5,802 SH   SOLE   0 0 5,802
ISHARES TR EAFE VALUE ETF 464288877   367,823 4,805 SH   SOLE   0 0 4,805
ISHARES TR CORE S&P500 ETF 464287200   348,983 466 SH   SOLE   0 0 466
ISHARES TR ESG EAFE ETF 46436E759   1,661,544 19,640 SH   SOLE   0 0 19,640
ISHARES TR ESG MSCI USA ETF 46436E767   1,385,041 19,943 SH   SOLE   0 0 19,943
ISHARES TR USD GRN BOND ETF 46435U440   824,176 17,361 SH   SOLE   0 0 17,361
ISHARES TR ESG AWRE 1 5 YR 46435G243   539,259 21,579 SH   SOLE   0 0 21,579
ISHARES TR CORE MSCI EAFE 46432F842   231,695 2,399 SH   SOLE   0 0 2,399
ISHARES TR ESG AWR MSCI USA 46435G425   868,760 5,308 SH   SOLE   0 0 5,308
ISHARES TR NATIONAL MUN ETF 464288414   604,609 5,618 SH   SOLE   0 0 5,618
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   5,123,804 101,151 SH   SOLE   0 0 101,151
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,323,535 26,476 SH   SOLE   0 0 26,476
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   750,997 14,409 SH   SOLE   0 0 14,409
PIMCO ETF TR INTER MUN BD ACT 72201R866   7,092,072 134,830 SH   SOLE   0 0 134,830
SPDR SERIES TRUST ST STR P500ETF 78464A854   285,610 3,250 SH   SOLE   0 0 3,250
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284   433,491 17,040 SH   SOLE   0 0 17,040
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,700,175 74,857 SH   SOLE   0 0 74,857
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,607,886 111,644 SH   SOLE   0 0 111,644
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   14,130,375 170,966 SH   SOLE   0 0 170,966
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   9,827,539 166,625 SH   SOLE   0 0 166,625
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,865,609 61,567 SH   SOLE   0 0 61,567
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,381,016 173,769 SH   SOLE   0 0 173,769
VANGUARD WORLD FD ESG US CORP BD 921910691   550,405 8,770 SH   SOLE   0 0 8,770
WALMART INC COM 931142103   617,140 5,449 SH   SOLE   0 0 5,449
WHITE MTNS INS GROUP LTD COM G9618E107   478,953 231 SH   SOLE   0 0 231