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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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   83,700 1,798 SH   SOLE   0 0 1,798
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,514 105 SH   SOLE   0 0 105
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,837 113 SH   SOLE   0 0 113
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,988 158 SH   SOLE   0 0 158
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,173 122 SH   SOLE   0 0 122
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,189 67 SH   SOLE   0 0 67
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,645 88 SH   SOLE   0 0 88
VANGUARD WORLD FD ESG US STK ETF 921910733   3,070,405 40,819 SH   SOLE   0 0 40,819
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,635,736 43,651 SH   SOLE   0 0 43,651
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   13,370,494 305,821 SH   SOLE   0 0 305,821
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,088,960 155,291 SH   SOLE   0 0 155,291
VANGUARD INDEX FDS LARGE CAP ETF 922908637   12,893,427 65,887 SH   SOLE   0 0 65,887
VANGUARD INDEX FDS VALUE ETF 922908744   6,194,436 44,910 SH   SOLE   0 0 44,910
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,070,883 80,239 SH   SOLE   0 0 80,239
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   10,480,416 221,667 SH   SOLE   0 0 221,667
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,675,090 51,172 SH   SOLE   0 0 51,172
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,781,032 29,977 SH   SOLE   0 0 29,977
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   14,931,972 310,436 SH   SOLE   0 0 310,436
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,554,294 208,574 SH   SOLE   0 0 208,574
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,190,134 213,049 SH   SOLE   0 0 213,049