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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
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OMB Number: 3235-0006
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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 INTL SMCP VLU 025072802   4,528,148 64,929 SH   SOLE 0 0 0 64,929
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,096,985 35,126 SH   SOLE 0 0 0 35,126
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   49,841,919 1,510,819 SH   SOLE 0 0 0 1,510,819
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,881,288 115,168 SH   SOLE 0 0 0 115,168
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   7,371,387 261,861 SH   SOLE 0 0 0 261,861
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   12,754,986 493,614 SH   SOLE 0 0 0 493,614
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   13,946,828 527,091 SH   SOLE 0 0 0 527,091
FLEXSHARES TR MORNSTAR USMKT 33939L100   2,787,212 13,548 SH   SOLE 0 0 0 13,548
ISHARES TR CORE S&P SCP ETF 464287804   522,002 4,992 SH   SOLE 0 0 0 4,992
ISHARES TR S&P 500 VAL ETF 464287408   539,825 2,833 SH   SOLE 0 0 0 2,833
ISHARES TR CORE S&P500 ETF 464287200   379,159 675 SH   SOLE 0 0 0 675
ISHARES TR MSCI EAFE ETF 464287465   274,933 3,364 SH   SOLE 0 0 0 3,364
ISHARES TR ISHS 1-5YR INVS 464288646   9,292,074 177,431 SH   SOLE 0 0 0 177,431
ISHARES TR NATIONAL MUN ETF 464288414   751,049 7,123 SH   SOLE 0 0 0 7,123
ISHARES TR INTRM GOV CR ETF 464288612   367,995 3,471 SH   SOLE 0 0 0 3,471
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   1,324,886 26,168 SH   SOLE 0 0 0 26,168
NVIDIA CORPORATION COM 67066G104   237,027 2,187 SH   SOLE 0 0 0 2,187
PIMCO ETF TR INTER MUN BD ACT 72201R866   377,243 7,318 SH   SOLE 0 0 0 7,318
SPDR SER TR S&P 600 SMCP VAL 78464A300   210,896 2,690 SH   SOLE 0 0 0 2,690
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   450,235 5,752 SH   SOLE 0 0 0 5,752
VANGUARD BD INDEX FDS INTERMED TERM 921937819   25,083,086 327,584 SH   SOLE 0 0 0 327,584
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   676,233 13,564 SH   SOLE 0 0 0 13,564
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,784,913 282,362 SH   SOLE 0 0 0 282,362
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,688,453 32,473 SH   SOLE 0 0 0 32,473
VANGUARD INDEX FDS MID CAP ETF 922908629   245,689 950 SH   SOLE 0 0 0 950
VANGUARD INDEX FDS SM CP VAL ETF 922908611   421,701 2,264 SH   SOLE 0 0 0 2,264
VANGUARD INDEX FDS LARGE CAP ETF 922908637   321,288 1,250 SH   SOLE 0 0 0 1,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   323,573 7,149 SH   SOLE 0 0 0 7,149
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,620,681 504,046 SH   SOLE 0 0 0 504,046