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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 US SML CP VALU 025072877   235,141 3,175 SH   SOLE 0 0 0 3,175
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   25,682,881 439,174 SH   SOLE 0 0 0 439,174
APPLE INC COM 037833100   37,233,329 225,793 SH   SOLE 0 0 0 225,793
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   283,760 919 SH   SOLE 0 0 0 919
ILLUMINA INC COM 452327109   1,476,460 6,349 SH   SOLE 0 0 0 6,349
INVESCO QQQ TR UNIT SER 1 46090E103   3,931,072 12,249 SH   SOLE 0 0 0 12,249
ISHARES TR MSCI EAFE ETF 464287465   10,217,991 142,869 SH   SOLE 0 0 0 142,869
ISHARES TR RUS MD CP GR ETF 464287481   887,646 9,749 SH   SOLE 0 0 0 9,749
ISHARES TR 1 3 YR TREAS BD 464287457   308,922 3,760 SH   SOLE 0 0 0 3,760
ISHARES TR 7-10 YR TRSY BD 464287440   1,151,675 11,619 SH   SOLE 0 0 0 11,619
ISHARES TR RUS 1000 GRW ETF 464287614   12,185,969 49,875 SH   SOLE 0 0 0 49,875
ISHARES TR CORE S&P US VLU 464287663   231,891 3,143 SH   SOLE 0 0 0 3,143
ISHARES TR CORE US AGGBD ET 464287226   226,831 2,277 SH   SOLE 0 0 0 2,277
ISHARES TR MSCI USA MMENTM 46432F396   4,802,335 34,539 SH   SOLE 0 0 0 34,539
ISHARES TR MSCI INTL MOMENT 46434V449   1,474,211 45,615 SH   SOLE 0 0 0 45,615
ISHARES TR MSCI USA SMCP MN 46435G433   4,456,654 128,508 SH   SOLE 0 0 0 128,508
ISHARES TR EAFE SML CP ETF 464288273   359,976 6,049 SH   SOLE 0 0 0 6,049
ISHARES TR MSCI USA MIN VOL 46429B697   8,321,583 114,402 SH   SOLE 0 0 0 114,402
ISHARES TR MSCI EAFE MIN VL 46429B689   2,118,946 31,322 SH   SOLE 0 0 0 31,322
ISHARES TR CORE MSCI EAFE 46432F842   39,514,720 591,095 SH   SOLE 0 0 0 591,095
META PLATFORMS INC CL A 30303M102   271,707 1,282 SH   SOLE 0 0 0 1,282
MICROSOFT CORP COM 594918104   813,294 2,821 SH   SOLE 0 0 0 2,821
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   949,330 27,280 SH   SOLE 0 0 0 27,280
SPDR S&P 500 ETF TR TR UNIT 78462F103   15,861,406 38,744 SH   SOLE 0 0 0 38,744
VANGUARD INDEX FDS VALUE ETF 922908744   87,024,389 630,109 SH   SOLE 0 0 0 630,109
VANGUARD INDEX FDS SM CP VAL ETF 922908611   18,593,397 117,116 SH   SOLE 0 0 0 117,116
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,149,692 11,340 SH   SOLE 0 0 0 11,340
VANGUARD INDEX FDS GROWTH ETF 922908736   29,137,098 116,810 SH   SOLE 0 0 0 116,810
VANGUARD INDEX FDS SML CP GRW ETF 922908595   20,645,260 95,399 SH   SOLE 0 0 0 95,399
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,378,380 47,575 SH   SOLE 0 0 0 47,575
VANGUARD INDEX FDS TOTAL STK MKT 922908769   209,917 1,029 SH   SOLE 0 0 0 1,029
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,345,444 58,056 SH   SOLE 0 0 0 58,056
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   875,382 9,506 SH   SOLE 0 0 0 9,506
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   17,084,412 357,265 SH   SOLE 0 0 0 357,265
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,588,512 93,204 SH   SOLE 0 0 0 93,204
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   425,176 7,263 SH   SOLE 0 0 0 7,263
VANGUARD WORLD FD ESG US STK ETF 921910733   957,257 13,349 SH   SOLE 0 0 0 13,349
VANGUARD WORLD FD ESG INTL STK ETF 921910725   408,879 7,809 SH   SOLE 0 0 0 7,809