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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
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
3M CO COM 88579Y101   830,340 5,128 SH   SOLE   0 0 5,128
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   1,017,039 1,362 SH   SOLE   0 0 1,362
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   19,591,984 237,048 SH   SOLE   0 0 237,048
VANGUARD MALVERN FDS CORE BD ETF 922020748   1,778,548 23,028 SH   SOLE   0 0 23,028
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,716,353 139,004 SH   SOLE   0 0 139,004
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401   3,337,761 40,734 SH   SOLE   0 0 40,734
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   12,064,324 300,631 SH   SOLE   0 0 300,631
ISHARES TR IBONDS DEC 2030 46436E726   2,753,690 126,316 SH   SOLE   0 0 126,316
ISHARES TR IBONDS DEC 2031 46436E486   494,277 23,718 SH   SOLE   0 0 23,718
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,028,934 168,827 SH   SOLE   0 0 168,827
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708   5,321,523 119,962 SH   SOLE   0 0 119,962
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   4,910,053 94,990 SH   SOLE   0 0 94,990
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666   411,255 10,401 SH   SOLE   0 0 10,401
ISHARES TR IBDS DEC28 ETF 46435U515   4,754,078 188,280 SH   SOLE   0 0 188,280
ISHARES TR CORE S&P SCP ETF 464287804   11,034,171 74,399 SH   SOLE   0 0 74,399
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   14,508,171 183,578 SH   SOLE   0 0 183,578
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,574,658 46,532 SH   SOLE   0 0 46,532
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815   2,708,835 69,833 SH   SOLE   0 0 69,833
ISHARES TR MRNING SM CP ETF 464288703   2,195,076 28,028 SH   SOLE   0 0 28,028
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,315,059 66,506 SH   SOLE   0 0 66,506
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,948,147 127,460 SH   SOLE   0 0 127,460
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   518,510 18,719 SH   SOLE   0 0 18,719