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
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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
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   3,902,929 83,396 SH   SOLE   0 0 83,396
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,015,081 40,651 SH   SOLE   0 0 40,651
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   8,172,537 137,261 SH   SOLE   0 0 137,261
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   376,256 10,998 SH   SOLE   0 0 10,998
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,966,721 125,454 SH   SOLE   0 0 125,454
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   11,326,300 298,061 SH   SOLE   0 0 298,061
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,885,869 57,339 SH   SOLE   0 0 57,339
ISHARES TR CORE S&P SCP ETF 464287804   8,727,223 72,618 SH   SOLE   0 0 72,618
ISHARES TR MRNING SM CP ETF 464288703   2,039,251 29,770 SH   SOLE   0 0 29,770
ISHARES TR IBONDS DEC2026 46435GAA0   865,072 35,703 SH   SOLE   0 0 35,703
ISHARES TR IBONDS 27 ETF 46435UAA9   945,775 38,953 SH   SOLE   0 0 38,953
ISHARES TR IBDS DEC28 ETF 46435U515   4,989,468 196,011 SH   SOLE   0 0 196,011
ISHARES TR IBONDS DEC 2031 46436E486   483,931 22,881 SH   SOLE   0 0 22,881
ISHARES TR IBONDS DEC 2030 46436E726   2,548,626 115,479 SH   SOLE   0 0 115,479
SPDR S&P 500 ETF TR TR UNIT 78462F103   898,170 1,317 SH   SOLE   0 0 1,317
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,636,126 50,157 SH   SOLE   0 0 50,157
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,013,585 68,004 SH   SOLE   0 0 68,004
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   455,573 18,951 SH   SOLE   0 0 18,951
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,978,901 127,467 SH   SOLE   0 0 127,467
3M CO COM 88579Y101   781,579 4,882 SH   SOLE   0 0 4,882
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,330,605 165,369 SH   SOLE   0 0 165,369
VANGUARD MALVERN FDS CORE BD ETF 922020748   568,273 7,295 SH   SOLE   0 0 7,295
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,355,227 154,963 SH   SOLE   0 0 154,963
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   17,354,105 207,213 SH   SOLE   0 0 207,213