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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Large-Cap ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>16762785</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>53249</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>FTSE Developed Markets ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>12233937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195837</sshPrnamt>
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    <votingAuthority>
      <Sole>195837</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Mid-Cap ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>9283267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31987</sshPrnamt>
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    <votingAuthority>
      <Sole>31987</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JPMorgan</nameOfIssuer>
    <titleOfClass>Ultra-Short Municipal Income ETF</titleOfClass>
    <cusip>46641Q654</cusip>
    <value>8703099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170850</sshPrnamt>
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    <votingAuthority>
      <Sole>170850</Sole>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>FTSE Emerging Markets ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>6638231</value>
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    <votingAuthority>
      <Sole>123479</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc.</nameOfIssuer>
    <titleOfClass>Class B Common Stock</titleOfClass>
    <cusip>084670702</cusip>
    <value>6265532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12465</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Total Bond Market ETF</titleOfClass>
    <cusip>921937835</cusip>
    <value>5148828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69513</sshPrnamt>
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    <votingAuthority>
      <Sole>69513</Sole>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Value ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>5125981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>26839</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>MSCI EAFE Value ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>4468696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62578</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Small-Cap ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>4469242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17326</sshPrnamt>
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    <votingAuthority>
      <Sole>17326</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Short-Term Tax-Exempt Bond ETF</titleOfClass>
    <cusip>921935870</cusip>
    <value>4063000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>Short-Term National Muni Bond ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>3988233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Real Estate ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>3715253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>41985</Sole>
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  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>3-7 Year Treasury Bond ETF</titleOfClass>
    <cusip>464288661</cusip>
    <value>3590406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30083</sshPrnamt>
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    <votingAuthority>
      <Sole>30083</Sole>
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      <None>0</None>
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    <nameOfIssuer>Avantis</nameOfIssuer>
    <titleOfClass>U.S. Small Cap Value ETF</titleOfClass>
    <cusip>025072877</cusip>
    <value>3141596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30806</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>1-3 Year Treasury Bond ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>2472591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>29855</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>U.S. Small-Cap ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>2368197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>83153</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>U.S. Large-Cap ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>2137058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>79415</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>88160R101</cusip>
    <value>2006651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4462</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4462</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Small-Cap Value ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>1971553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>9309</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>International Equity ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>1883895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>78365</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>Russell 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>1500591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Avantis</nameOfIssuer>
    <titleOfClass>US Large Cap Value ETF</titleOfClass>
    <cusip>025072349</cusip>
    <value>1472060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1376569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>7-10 Year Treasury Bond ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>963331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10018</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>U.S. Mid-Cap ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>943266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Tax-Exempt Bond ETF</titleOfClass>
    <cusip>922907746</cusip>
    <value>804640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>U.S. REIT ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>688221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Schwab</nameOfIssuer>
    <titleOfClass>Emerging Markets Equity ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>635448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>605180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Total Stock Market ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>479771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA Corp</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>67066G104</cusip>
    <value>462819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Commercial Metals Company</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>201723103</cusip>
    <value>426049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alphabet Inc</nameOfIssuer>
    <titleOfClass>Class C Capital Stock</titleOfClass>
    <cusip>02079K107</cusip>
    <value>400095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Oklo Inc</nameOfIssuer>
    <titleOfClass>Class A Common Stock</titleOfClass>
    <cusip>02156V109</cusip>
    <value>394178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5493</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amazon.com Inc</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>023135106</cusip>
    <value>292680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard</nameOfIssuer>
    <titleOfClass>Total International Stock ETF</titleOfClass>
    <cusip>921909768</cusip>
    <value>256949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WisdomTree</nameOfIssuer>
    <titleOfClass>U.S. MidCap ETF</titleOfClass>
    <cusip>97717W570</cusip>
    <value>251502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>Core S&amp;P 500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>241784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Hilltop Holdings Inc.</nameOfIssuer>
    <titleOfClass>Common Stock</titleOfClass>
    <cusip>432748101</cusip>
    <value>230792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares</nameOfIssuer>
    <titleOfClass>Core MSCI Emerging Markets ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>202265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3009</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
