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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
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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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,954,563 60,375 SH   SOLE 0 0 0 60,375
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,103,936 36,700 SH   SOLE 0 0 0 36,700
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   46,795,924 1,470,645 SH   SOLE 0 0 0 1,470,645
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,526,273 105,740 SH   SOLE 0 0 0 105,740
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   7,255,694 243,398 SH   SOLE 0 0 0 243,398
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   11,310,494 452,782 SH   SOLE 0 0 0 452,782
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   12,389,034 484,325 SH   SOLE 0 0 0 484,325
FLEXSHARES TR MORNSTAR USMKT 33939L100   2,893,840 14,655 SH   SOLE 0 0 0 14,655
ISHARES TR CORE S&P SCP ETF 464287804   685,426 6,266 SH   SOLE 0 0 0 6,266
ISHARES TR S&P 500 VAL ETF 464287408   595,086 3,205 SH   SOLE 0 0 0 3,205
ISHARES TR CORE S&P500 ETF 464287200   370,593 706 SH   SOLE 0 0 0 706
ISHARES TR MSCI EAFE ETF 464287465   267,499 3,364 SH   SOLE 0 0 0 3,364
ISHARES TR ISHS 1-5YR INVS 464288646   8,506,198 166,821 SH   SOLE 0 0 0 166,821
ISHARES TR NATIONAL MUN ETF 464288414   892,547 8,340 SH   SOLE 0 0 0 8,340
ISHARES TR INTRM GOV CR ETF 464288612   227,135 2,199 SH   SOLE 0 0 0 2,199
ISHARES TR SHRT NAT MUN ETF 464288158   494,912 4,736 SH   SOLE 0 0 0 4,736
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   240,087 6,727 SH   SOLE 0 0 0 6,727
SPDR SER TR S&P 600 SMCP VAL 78464A300   235,723 2,881 SH   SOLE 0 0 0 2,881
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   517,092 6,776 SH   SOLE 0 0 0 6,776
VANGUARD BD INDEX FDS INTERMED TERM 921937819   22,354,143 299,493 SH   SOLE 0 0 0 299,493
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,401,353 28,425 SH   SOLE 0 0 0 28,425
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,474,029 255,197 SH   SOLE 0 0 0 255,197
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,543,656 32,378 SH   SOLE 0 0 0 32,378
VANGUARD INDEX FDS TOTAL STK MKT 922908769   202,306 779 SH   SOLE 0 0 0 779
VANGUARD INDEX FDS MID CAP ETF 922908629   262,638 1,058 SH   SOLE 0 0 0 1,058
VANGUARD INDEX FDS SM CP VAL ETF 922908611   434,154 2,283 SH   SOLE 0 0 0 2,283
VANGUARD INDEX FDS SMALL CP ETF 922908751   225,456 995 SH   SOLE 0 0 0 995
VANGUARD INDEX FDS LARGE CAP ETF 922908637   347,587 1,451 SH   SOLE 0 0 0 1,451
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   380,656 9,076 SH   SOLE 0 0 0 9,076
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   204,657 3,542 SH   SOLE 0 0 0 3,542
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   22,872,600 457,727 SH   SOLE 0 0 0 457,727