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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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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
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,977,883 60,884 SH   SOLE   60,884 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,950,784 203,826 SH   SOLE   203,826 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   7,589,973 160,941 SH   SOLE   160,941 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,574,256 252,883 SH   SOLE   252,883 0 0
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   6,955,354 122,713 SH   SOLE   122,713 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,211,458 59,785 SH   SOLE   59,785 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   5,716,044 186,982 SH   SOLE   186,982 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   9,114,399 338,951 SH   SOLE   338,951 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,807,722 66,829 SH   SOLE   66,829 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   2,312,361 79,408 SH   SOLE   79,408 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,509,164 169,645 SH   SOLE   169,645 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,038,309 72,244 SH   SOLE   72,244 0 0
ISHARES TR TIPS BD ETF 464287176   2,453,684 22,087 SH   SOLE   22,087 0 0
LATTICE STRATEGIES TR HARTFORD US EQTY 518416409   1,547,975 30,514 SH   SOLE   30,514 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   580,262 16,029 SH   SOLE   16,029 0 0
ISHARES TR CORE US AGGBD ET 464287226   6,322,769 63,918 SH   SOLE   63,918 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597   654,297 17,282 SH   SOLE   17,282 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613   277,819 6,875 SH   SOLE   6,875 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   934,650 20,651 SH   SOLE   20,651 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,052,595 20,708 SH   SOLE   20,708 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,166,866 10,094 SH   SOLE   10,094 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   400,037 1,804 SH   SOLE   1,804 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   251,166 449 SH   SOLE   449 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,890,969 38,109 SH   SOLE   38,109 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   359,908 9,144 SH   SOLE   9,144 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   943,236 3,670 SH   SOLE   3,670 0 0
LATTICE STRATEGIES TR HARTFORD MLT SML 518416508   213,701 5,308 SH   SOLE   5,308 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   228,392 831 SH   SOLE   831 0 0
ISHARES TR CORE INTL AGGR 46435G672   219,856 4,398 SH   SOLE   4,398 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   488,908 918 SH   SOLE   918 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   249,819 8,111 SH   SOLE   8,111 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   211,797 4,244 SH   SOLE   4,244 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   396,549 14,087 SH   SOLE   14,087 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   349,117 13,761 SH   SOLE   13,761 0 0