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   4,464,510 98,947 SH   SOLE   0 0 98,947
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   2,999,202 42,296 SH   SOLE   0 0 42,296
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,077,316 145,353 SH   SOLE   0 0 145,353
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   383,549 10,741 SH   SOLE   0 0 10,741
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,788,100 123,214 SH   SOLE   0 0 123,214
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   12,140,806 307,830 SH   SOLE   0 0 307,830
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   2,120,315 60,511 SH   SOLE   0 0 60,511
ISHARES TR CORE S&P SCP ETF 464287804   9,516,629 76,556 SH   SOLE   0 0 76,556
ISHARES TR MRNING SM CP ETF 464288703   2,022,232 29,093 SH   SOLE   0 0 29,093
ISHARES TR IBONDS DEC2026 46435GAA0   869,532 35,872 SH   SOLE   0 0 35,872
ISHARES TR IBONDS 27 ETF 46435UAA9   949,027 39,151 SH   SOLE   0 0 39,151
ISHARES TR IBDS DEC28 ETF 46435U515   4,852,848 191,585 SH   SOLE   0 0 191,585
ISHARES TR IBONDS DEC 2031 46436E486   490,526 23,436 SH   SOLE   0 0 23,436
ISHARES TR IBONDS DEC 2030 46436E726   2,736,690 125,020 SH   SOLE   0 0 125,020
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   840,030 1,292 SH   SOLE   0 0 1,292
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,434,831 49,256 SH   SOLE   0 0 49,256
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,075,861 68,061 SH   SOLE   0 0 68,061
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   459,598 18,570 SH   SOLE   0 0 18,570
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,946,289 126,886 SH   SOLE   0 0 126,886
3M CO COM 88579Y101   710,571 4,893 SH   SOLE   0 0 4,893
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,087,873 173,032 SH   SOLE   0 0 173,032
VANGUARD MALVERN FDS CORE BD ETF 922020748   1,197,391 15,474 SH   SOLE   0 0 15,474
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   13,112,664 165,418 SH   SOLE   0 0 165,418
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   18,082,586 218,521 SH   SOLE   0 0 218,521