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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
8X8 INC NEW COM 282914100 2,204 131,516 SH   SOLE NONE 0 0 131,516
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 694 1,673 SH   SOLE NONE 0 0 1,673
ALPHABET INC CAP STK CL A 02079K305 3,082 1,064 SH   SOLE NONE 0 0 1,064
ALPHABET INC CAP STK CL C 02079K107 4,213 1,456 SH   SOLE NONE 0 0 1,456
AMPLITUDE INC COM CL A 03213A104 718 13,559 SH   SOLE NONE 0 0 13,559
APPLE INC COM 037833100 3,392 19,103 SH   SOLE NONE 0 0 19,103
AT&T INC COM 00206R102 205 8,337 SH   SOLE NONE 0 0 8,337
BECTON DICKINSON & CO COM 075887109 908 3,612 SH   SOLE NONE 0 0 3,612
BLACKROCK INC COM 09247X101 301 329 SH   SOLE NONE 0 0 329
BRISTOL-MYERS SQUIBB CO COM 110122108 349 5,600 SH   SOLE NONE 0 0 5,600
CATERPILLAR INC COM 149123101 2,779 13,440 SH   SOLE NONE 0 0 13,440
CHEVRON CORP NEW COM 166764100 560 4,774 SH   SOLE NONE 0 0 4,774
CHURCH & DWIGHT CO INC COM 171340102 11,652 113,680 SH   SOLE NONE 0 0 113,680
CINCINNATI FINL CORP COM 172062101 11,535 101,248 SH   SOLE NONE 0 0 101,248
CISCO SYS INC COM 17275R102 1,385 21,861 SH   SOLE NONE 0 0 21,861
CLOROX CO DEL COM 189054109 209 1,197 SH   SOLE NONE 0 0 1,197
COCA COLA CO COM 191216100 332 5,600 SH   SOLE NONE 0 0 5,600
COSTCO WHSL CORP NEW COM 22160K105 366 644 SH   SOLE NONE 0 0 644
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 33,501 1,156,400 SH   SOLE NONE 0 0 1,156,400
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 179,819 6,886,978 SH   SOLE NONE 0 0 6,886,978
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 75,588 1,590,659 SH   SOLE NONE 0 0 1,590,659
DISNEY WALT CO COM 254687106 938 6,055 SH   SOLE NONE 0 0 6,055
DOLBY LABORATORIES INC COM CL A 25659T107 4,474 46,991 SH   SOLE NONE 0 0 46,991
EPAM SYS INC COM 29414B104 220 329 SH   SOLE NONE 0 0 329
EQUINIX INC COM 29444U700 255 301 SH   SOLE NONE 0 0 301
EVERSOURCE ENERGY COM 30040W108 211 2,324 SH   SOLE NONE 0 0 2,324
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 294 4,200 SH   SOLE NONE 0 0 4,200
EXXON MOBIL CORP COM 30231G102 1,009 16,485 SH   SOLE NONE 0 0 16,485
FACTSET RESH SYS INC COM 303075105 310 637 SH   SOLE NONE 0 0 637
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 303 2,240 SH   SOLE NONE 0 0 2,240
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 260 4,648 SH   SOLE NONE 0 0 4,648
GENERAL DYNAMICS CORP COM 369550108 250 1,197 SH   SOLE NONE 0 0 1,197
GENERAL ELECTRIC CO COM NEW 369604301 204 2,163 SH   SOLE NONE 0 0 2,163
GILEAD SCIENCES INC COM 375558103 537 7,392 SH   SOLE NONE 0 0 7,392
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 302 8,400 SH   SOLE NONE 0 0 8,400
HOME DEPOT INC COM 437076102 1,368 3,297 SH   SOLE NONE 0 0 3,297
HONEYWELL INTL INC COM 438516106 505 2,422 SH   SOLE NONE 0 0 2,422
ILLINOIS TOOL WKS INC COM 452308109 313 1,267 SH   SOLE NONE 0 0 1,267
INTEL CORP COM 458140100 1,242 24,122 SH   SOLE NONE 0 0 24,122
INTERNATIONAL BUSINESS MACHS COM 459200101 1,313 9,821 SH   SOLE NONE 0 0 9,821
INTUIT COM 461202103 3,399 5,285 SH   SOLE NONE 0 0 5,285
INVESCO QQQ TR UNIT SER 1 46090E103 381 957 SH   SOLE NONE 0 0 957
ISHARES INC MSCI CDA ETF 464286509 778 20,244 SH   SOLE NONE 0 0 20,244
ISHARES INC MSCI EMERG MRKT 464286533 290 4,620 SH   SOLE NONE 0 0 4,620
ISHARES INC CORE MSCI EMKT 46434G103 24,048 401,744 SH   SOLE NONE 0 0 401,744
ISHARES TR JPMORGAN USD EMG 464288281 4,221 38,707 SH   SOLE NONE 0 0 38,707
ISHARES TR CORE S&P500 ETF 464287200 41,276 86,534 SH   SOLE NONE 0 0 86,534
ISHARES TR ISHS 1-5YR INVS 464288646 20,594 382,221 SH   SOLE NONE 0 0 382,221
ISHARES TR RUS MID CAP ETF 464287499 4,844 58,352 SH   SOLE NONE 0 0 58,352
ISHARES TR MORNINGSTR US EQ 464287127 282 4,248 SH   SOLE NONE 0 0 4,248
ISHARES TR U.S. REAL ES ETF 464287739 20,401 175,658 SH   SOLE NONE 0 0 175,658
ISHARES TR RUSSELL 2000 ETF 464287655 994 4,470 SH   SOLE NONE 0 0 4,470
ISHARES TR CORE S&P SCP ETF 464287804 22,877 199,780 SH   SOLE NONE 0 0 199,780
ISHARES TR CORE MSCI EAFE 46432F842 15,801 211,701 SH   SOLE NONE 0 0 211,701
ISHARES TR EXPANDED TECH 464287515 2,333 5,866 SH   SOLE NONE 0 0 5,866
ISHARES TR MSCI USA SML CP 46434V290 309 5,400 SH   SOLE NONE 0 0 5,400
ISHARES TR MSCI USA SMCP MN 46435G433 422 10,800 SH   SOLE NONE 0 0 10,800
ISHARES TR SELECT DIVID ETF 464287168 300 2,450 SH   SOLE NONE 0 0 2,450
ISHARES TR CORE TOTAL USD 46434V613 14,710 277,921 SH   SOLE NONE 0 0 277,921
ISHARES TR S&P 500 GRWT ETF 464287309 4,547 54,341 SH   SOLE NONE 0 0 54,341
ISHARES TR MSCI EAFE ETF 464287465 8,777 111,549 SH   SOLE NONE 0 0 111,549
ISHARES TR CORE US AGGBD ET 464287226 90,743 795,436 SH   SOLE NONE 0 0 795,436
ISHARES TR RUS MD CP GR ETF 464287481 4,926 42,749 SH   SOLE NONE 0 0 42,749
ISHARES TR MSCI USA QLT FCT 46432F339 438 3,010 SH   SOLE NONE 0 0 3,010
ISHARES TR RUS 1000 GRW ETF 464287614 3,842 12,572 SH   SOLE NONE 0 0 12,572
ISHARES TR IBOXX HI YD ETF 464288513 112,012 1,287,349 SH   SOLE NONE 0 0 1,287,349
ISHARES TR MSCI EMG MKT ETF 464287234 1,051 21,511 SH   SOLE NONE 0 0 21,511
ISHARES TR TIPS BD ETF 464287176 33,033 255,675 SH   SOLE NONE 0 0 255,675
JPMORGAN CHASE & CO COM 46625H100 1,785 11,270 SH   SOLE NONE 0 0 11,270
LIGAND PHARMACEUTICALS INC COM NEW 53220K504 402 2,604 SH   SOLE NONE 0 0 2,604
LINDE PLC SHS G5494J103 1,593 4,599 SH   SOLE NONE 0 0 4,599
LOCKHEED MARTIN CORP COM 539830109 2,572 7,238 SH   SOLE NONE 0 0 7,238
LOWES COS INC COM 548661107 250 966 SH   SOLE NONE 0 0 966
MASTERCARD INCORPORATED CL A 57636Q104 405 1,127 SH   SOLE NONE 0 0 1,127
MCDONALDS CORP COM 580135101 291 1,085 SH   SOLE NONE 0 0 1,085
MICROSOFT CORP COM 594918104 3,558 10,579 SH   SOLE NONE 0 0 10,579
NATERA INC COM 632307104 1,838 19,684 SH   SOLE NONE 0 0 19,684
NEXTERA ENERGY INC COM 65339F101 288 3,080 SH   SOLE NONE 0 0 3,080
NIKE INC CL B 654106103 498 2,989 SH   SOLE NONE 0 0 2,989
NORFOLK SOUTHN CORP COM 655844108 388 1,302 SH   SOLE NONE 0 0 1,302
NVIDIA CORPORATION COM 67066G104 10,623 36,120 SH   SOLE NONE 0 0 36,120
ORACLE CORP COM 68389X105 1,541 17,675 SH   SOLE NONE 0 0 17,675
PAYCHEX INC COM 704326107 301 2,202 SH   SOLE NONE 0 0 2,202
PAYPAL HLDGS INC COM 70450Y103 2,261 11,988 SH   SOLE NONE 0 0 11,988
PEPSICO INC COM 713448108 451 2,598 SH   SOLE NONE 0 0 2,598
PROCTER AND GAMBLE CO COM 742718109 295 1,806 SH   SOLE NONE 0 0 1,806
QUALCOMM INC COM 747525103 329 1,800 SH   SOLE NONE 0 0 1,800
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 516 13,800 SH   SOLE NONE 0 0 13,800
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 115,297 1,125,949 SH   SOLE NONE 0 0 1,125,949
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 119,735 3,080,409 SH   SOLE NONE 0 0 3,080,409
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,351 11,958 SH   SOLE NONE 0 0 11,958
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,501 107,682 SH   SOLE NONE 0 0 107,682
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 303,670 5,633,946 SH   SOLE NONE 0 0 5,633,946
SCHWAB STRATEGIC TR US REIT ETF 808524847 101,788 1,931,826 SH   SOLE NONE 0 0 1,931,826
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 737,192 6,476,823 SH   SOLE NONE 0 0 6,476,823
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 130,263 4,397,815 SH   SOLE NONE 0 0 4,397,815
SCHWAB STRATEGIC TR US TIPS ETF 808524870 244,155 3,882,258 SH   SOLE NONE 0 0 3,882,258
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,387 61,134 SH   SOLE NONE 0 0 61,134
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,024 14,364 SH   SOLE NONE 0 0 14,364
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,240 10,956 SH   SOLE NONE 0 0 10,956
SPDR S&P 500 ETF TR TR UNIT 78462F103 39,245 82,629 SH   SOLE NONE 0 0 82,629
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,531 2,958 SH   SOLE NONE 0 0 2,958
SPDR SER TR S&P BIOTECH 78464A870 215 1,920 SH   SOLE NONE 0 0 1,920
SPLUNK INC COM 848637104 3,185 27,522 SH   SOLE NONE 0 0 27,522
THERMO FISHER SCIENTIFIC INC COM 883556102 673 1,008 SH   SOLE NONE 0 0 1,008
TRI CONTL CORP COM 895436103 710 21,405 SH   SOLE NONE 0 0 21,405
TRUIST FINL CORP COM 89832Q109 246 4,200 SH   SOLE NONE 0 0 4,200
UNITED PARCEL SERVICE INC CL B 911312106 868 4,050 SH   SOLE NONE 0 0 4,050
UNITEDHEALTH GROUP INC COM 91324P102 1,302 2,592 SH   SOLE NONE 0 0 2,592
VANGUARD BD INDEX FDS INTERMED TERM 921937819 630 7,188 SH   SOLE NONE 0 0 7,188
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,107 83,856 SH   SOLE NONE 0 0 83,856
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,683 23,538 SH   SOLE NONE 0 0 23,538
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 17,937 154,616 SH   SOLE NONE 0 0 154,616
VANGUARD INDEX FDS SMALL CP ETF 922908751 42,919 189,900 SH   SOLE NONE 0 0 189,900
VANGUARD INDEX FDS LARGE CAP ETF 922908637 48,775 220,680 SH   SOLE NONE 0 0 220,680
VANGUARD INDEX FDS VALUE ETF 922908744 3,706 25,194 SH   SOLE NONE 0 0 25,194
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,743 9,744 SH   SOLE NONE 0 0 9,744
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 2,367 30,336 SH   SOLE NONE 0 0 30,336
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 3,441 50,430 SH   SOLE NONE 0 0 50,430
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 41,042 829,799 SH   SOLE NONE 0 0 829,799
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,812 29,562 SH   SOLE NONE 0 0 29,562
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 515 10,014 SH   SOLE NONE 0 0 10,014
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 385,824 4,748,022 SH   SOLE NONE 0 0 4,748,022
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,240 435,564 SH   SOLE NONE 0 0 435,564
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 337 3,003 SH   SOLE NONE 0 0 3,003
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 161,604 2,080,914 SH   SOLE NONE 0 0 2,080,914
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 1,142 5,628 SH   SOLE NONE 0 0 5,628
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 616 4,542 SH   SOLE NONE 0 0 4,542
VERIZON COMMUNICATIONS INC COM 92343V104 769 14,796 SH   SOLE NONE 0 0 14,796
VISA INC COM CL A 92826C839 873 4,030 SH   SOLE NONE 0 0 4,030
WALMART INC COM 931142103 1,171 8,094 SH   SOLE NONE 0 0 8,094
WASTE MGMT INC DEL COM 94106L109 200 1,200 SH   SOLE NONE 0 0 1,200
WELLS FARGO CO NEW COM 949746101 506 10,554 SH   SOLE NONE 0 0 10,554
WEYERHAEUSER CO MTN BE COM NEW 962166104 687 16,680 SH   SOLE NONE 0 0 16,680