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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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,467,616 63,218 SH   SOLE 0 0 0 63,218
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,161,337 36,543 SH   SOLE 0 0 0 36,543
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   51,898,669 1,513,522 SH   SOLE 0 0 0 1,513,522
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,322,499 112,897 SH   SOLE 0 0 0 112,897
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   7,878,055 255,781 SH   SOLE 0 0 0 255,781
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   12,803,839 477,221 SH   SOLE 0 0 0 477,221
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   14,365,114 510,306 SH   SOLE 0 0 0 510,306
FLEXSHARES TR MORNSTAR USMKT 33939L100   3,027,758 14,226 SH   SOLE 0 0 0 14,226
ISHARES TR CORE S&P SCP ETF 464287804   598,004 5,113 SH   SOLE 0 0 0 5,113
ISHARES TR S&P 500 VAL ETF 464287408   573,238 2,907 SH   SOLE 0 0 0 2,907
ISHARES TR CORE S&P500 ETF 464287200   391,152 678 SH   SOLE 0 0 0 678
ISHARES TR MSCI EAFE ETF 464287465   281,324 3,364 SH   SOLE 0 0 0 3,364
ISHARES TR ISHS 1-5YR INVS 464288646   9,025,500 171,392 SH   SOLE 0 0 0 171,392
ISHARES TR NATIONAL MUN ETF 464288414   905,974 8,340 SH   SOLE 0 0 0 8,340
ISHARES TR INTRM GOV CR ETF 464288612   442,751 4,134 SH   SOLE 0 0 0 4,134
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   322,757 6,361 SH   SOLE 0 0 0 6,361
NVIDIA CORPORATION COM 67066G104   261,096 2,150 SH   SOLE 0 0 0 2,150
PIMCO ETF TR INTER MUN BD ACT 72201R866   519,999 9,815 SH   SOLE 0 0 0 9,815
SPDR SER TR S&P 600 SMCP VAL 78464A300   238,147 2,743 SH   SOLE 0 0 0 2,743
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   469,161 5,962 SH   SOLE 0 0 0 5,962
VANGUARD BD INDEX FDS INTERMED TERM 921937819   24,260,188 309,560 SH   SOLE 0 0 0 309,560
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   983,119 19,686 SH   SOLE 0 0 0 19,686
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,271,808 263,958 SH   SOLE 0 0 0 263,958
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   17,346,944 32,875 SH   SOLE 0 0 0 32,875
VANGUARD INDEX FDS MID CAP ETF 922908629   250,639 950 SH   SOLE 0 0 0 950
VANGUARD INDEX FDS SM CP VAL ETF 922908611   454,632 2,264 SH   SOLE 0 0 0 2,264
VANGUARD INDEX FDS LARGE CAP ETF 922908637   329,113 1,250 SH   SOLE 0 0 0 1,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   344,291 7,195 SH   SOLE 0 0 0 7,195
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,187,447 476,945 SH   SOLE 0 0 0 476,945