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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AVANTIS EMERGING MARKETS EQ ETF COM 025072604   1,249 23,661 SH   SOLE   23,616 0 0
AVANTIS INTL EQUITY ETF COM 025072703   3,571 64,170 SH   SOLE   99,560 0 0
AVANTIS SMALL CAP VALUE ETF COM 025072877   69,229 888,118 SH   SOLE   947,847 0 0
DFA EMERGING MKTS CORE EQUITY 2 COM 25434V732   46,108 1,978,017 SH   SOLE   2,037,157 0 0
DFA INTL CORE EQUITY 2 COM 25434V799   125,779 5,386,691 SH   SOLE   5,688,644 0 0
DFA T A US CORE EQUITY E PORTFOLIO COM 25434V708   223 8,522 SH   SOLE   8,470 0 0
DFA TAX MANAGED US MARKETWIDE VALUE COM 25434v724   4,247 124,834 SH   SOLE   132,404 0 0
DFA TAX MANAGED US TARGET VALUE COM 25434V609   3,387 74,120 SH   SOLE   80,588 0 0
DIMENSIONAL US SMALL CAP VALUE ETF COM 25434V815   1,758 69,381 SH   SOLE   77,163 0 0
DOUBLELINE ETF TRUST DL SHILLER CAPE COM 25861R204   14,684 620,360 SH   SOLE   663,815 0 0
INVESCO QQQ TRUST ETF COM 46138G649   287 1,946 SH   SOLE   0 0 0
INVESCO S&P 500 QUALITY COM 46137V241   41,471 828,752 SH   SOLE   900,453 0 0
ISHARE CORE S&P MID-CAP ETF COM 464287507   1,422 5,703 SH   SOLE   6,954 0 0
ISHARES 0-3 MONTH TREAS BD ETF COM 46436E718   56 554 SH   SOLE   0 0 0
ISHARES CORE 1-5 YEAR USD BOND ETF COM 46432F859   253 5,462 SH   SOLE   4,440 0 0
ISHARES CORE MSCI EAFE - ETF COM 46432F842   924 14,361 SH   SOLE   14,082 0 0
ISHARES CORE MSCI EMG MKTS - ETF COM 46434G103   7,185 150,986 SH   SOLE   162,200 0 0
ISHARES CORE S&P 500 COM 464287200   7,940 18,491 SH   SOLE   21,616 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COM 464287150   102,816 1,091,582 SH   SOLE   1,293,266 0 0
ISHARES IBONDS 12-2024 TERM CORP COM 46434VBG4   3 120 SH   SOLE   2,439 0 0
ISHARES MSCI EAFE INDEX COM 464287465   208 3,015 SH   SOLE   3,099 0 0
ISHARES MSCI EMERGING MKTS COM 464287234   11 288 SH   SOLE   0 0 0
ISHARES MSCI GROWTH COM 464288885   704 8,152 SH   SOLE   8,173 0 0
ISHARES MSCI INTL QUALITY COM 46434V456   3,630 107,991 SH   SOLE   144,245 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614   867 3,260 SH   SOLE   4,196 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598   169 1,114 SH   SOLE   1,425 0 0
ISHARES RUSSELL 2000 COM 464287655   692 3,916 SH   SOLE   4,238 0 0
ISHARES RUSSELL 2000 GROWTH COM 464287648   10 44 SH   SOLE   44 0 0
ISHARES RUSSELL 2000 VALUE COM 464287630   92 681 SH   SOLE   675 0 0
ISHARES RUSSELL 3000 COM 464287689   103,063 420,562 SH   SOLE   438,219 0 0
ISHARES RUSSELL MID CAP GROWTH COM 464287481   124 1,357 SH   SOLE   1,355 0 0
ISHARES RUSSELL MID CAP VALUE COM 464287473   992 9,511 SH   SOLE   9,477 0 0
ISHARES S&P MID CAP 400 VALUE COM 464287705   58,668 581,272 SH   SOLE   625,119 0 0
ISHARES S&P 500 GROWTH COM 464287309   1,587 23,195 SH   SOLE   25,083 0 0
ISHARES S&P 500 VALUE COM 464287408   851 5,529 SH   SOLE   7,184 0 0
ISHARES S&P SMALL CAP 600 GROWTH COM 464287887   1,103 10,056 SH   SOLE   10,082 0 0
ISHARES S&P SMALLCAP 600 INDEX COM 464287804   105 1,111 SH   SOLE   1,108 0 0
ISHARES S&P SMALL CAP 600 VALUE COM 464287879   4,599 51,548 SH   SOLE   55,276 0 0
ISHARES SHRT NAT MUNI COM 464288158   1,549 15,063 SH   SOLE   12,793 0 0
ISHARES TR BARCLAYS AGG BOND COM 464287226   6,965 74,064 SH   SOLE   61,451 0 0
ISHARES TRUST COM 464288414   405 3,953 SH   SOLE   4,327 0 0
ISHARES TRUST CORE MSCI INTL COM 46435G326   2,984 51,200 SH   SOLE   60,900 0 0
J HANCOCK MLTFACTOR DEV INTL COM 47804J859   30,821 1,030,451 SH   SOLE   1,083,893 0 0
JOHN HANCOCK MLTFCTR COM 47804J834   1,212 51,037 SH   SOLE   51,414 0 0
J HANCOCK MLTFACTOR SM CAP COM 47804J842   1,454 45,206 SH   SOLE   45,017 0 0
JP MORGAN ULTRA-SHORT INCOME ETF COM 46641Q837   21,275 423,975 SH   SOLE   411,374 0 0
NASDAQ 100 ETF COM 46090E103   40,700 113,600 SH   SOLE   126,511 0 0
PACER US CASH COWS 100 ETF COM 69374H881   32,575 659,020 SH   SOLE   643,491 0 0
PIMCO INVESTMENT GRADE CORP COM 72201R817   492 5,395 SH   SOLE   53,801 0 0
RUSSELL 1000 INDEX COM 464287622   2,522 10,738 SH   SOLE   11,845 0 0
RUSSELL MID-CAP COM 464287499   1,933 27,915 SH   SOLE   29,477 0 0
SPDR TRUST UNIT SR COM 78462F103   1,909 4,466 SH   SOLE   4,475 0 0
S&P MID CAP 400 ETF COM 78467Y107   3,681 8,061 SH   SOLE   8,818 0 0
SCHWAB EMERGING MKTS EQUITY COM 808524706   458 19,135 SH   SOLE   20,456 0 0
SCHWAB INTERNATIONAL EQUITY COM 808524805   2,511 73,927 SH   SOLE   72,388 0 0
SCHWAB SHORT-TERM TREAS US BOND COM 808524862   20,070 419,093 SH   SOLE   608,859 0 0
SCHWAB US AGGREGATE BOND COM 808524839   365 8,246 SH   SOLE   14,271 0 0
SCHWAB US BROAD MARKET COM 808524102   177,598 3,562,639 SH   SOLE   3,922,121 0 0
SCHWAB US LARGE CAP VALUE COM 808524409   78 1,207 SH   SOLE   1,195 0 0
SCHWAB US LARGE CAP ETF COM 808524201   888 17,556 SH   SOLE   17,777 0 0
SCHWAB US LARGE CAP GROWTH COM 808524300   414 5,694 SH   SOLE   6,459 0 0
SCHWAB US MID CAP COM 808524508   2 23 SH   SOLE   28 0 0
SCHWAB US SMALL CAP COM 808524607   370 8,943 SH   SOLE   9,037 0 0
SPDR DOW JONES INDUSTRIALS ETF COM 78467X109   236 704 SH   SOLE   698 0 0
SPDR NUVEEN BARCLAYS S/T MUNI COM 78468R739   461 9,981 SH   SOLE   0 0 0
SPDR PORTFOLIO EMERG MARKETS COM 78463X509   1 37 SH   SOLE   42 0 0
SPDR PORTFOLIO WORLD EX-US COM 78463X889   6 190 SH   SOLE   190 0 0
SPDR S&P 600 SMALL CAP VALUE COM 78464A300   23,159 320,002 SH   SOLE   326,425 0 0
SPDR SER TR LEHMAN MUNI BD ETF COM 78468R721   1,851 42,354 SH   SOLE   28,265 0 0
SPDR SHORT TERM TREASURY ETF COM 78468R101   811 28,221 SH   SOLE   7,819 0 0
SPDR PORTFOLIO TOTAL STOCK MKT COM 78464A805   8,934 170,206 SH   SOLE   187,535 0 0
SPDR S&P 400 MID CAP VALUE ETF COM 78464A839   39 603 SH   SOLE   603 0 0
VANGUARD COMMUNICATIONS ETF COM 92204A884   6 57 SH   SOLE   509 0 0
VANGUARD DIVIDEND APPRECIATION COM 921908844   38,768 249,505 SH   SOLE   268,464 0 0
VANGUARD FTSE DEVELOPED MKTS COM 921943858   185 4,241 SH   SOLE   5,223 0 0
VANGUARD FTSE EMERGING MKTS COM 922042858   41 1,048 SH   SOLE   1,501 0 0
VANGUARD MID-CAP ETF COM 922908629   21 100 SH   SOLE   100 0 0
VANGUARD MID-CAP VALUE ETF COM 922908512   13,274 101,359 SH   SOLE   106,506 0 0
VANGUARD RUSSELL 3000 INDEX FD ETF COM 92206C599   6,560 34,396 SH   SOLE   140,620 0 0
VANGUARD S&P 500 ETF COM 922908363   270 689 SH   SOLE   99 0 0
VANGUARD S&P 600 SMALL CAP VALUE COM 921932778   2,114 27,441 SH   SOLE   28,759 0 0
VANGUARD SHORT TERM BD INDEX COM 921937827   1,172 15,597 SH   SOLE   18,472 0 0
VANGUARD SHORT TERM GOVT BOND COM 92206C102   59,089 1,025,844 SH   SOLE   580,700 0 0
VANGUARD SMALL CAP VALUE COM 922908611   246 1,541 SH   SOLE   1,550 0 0
VANGUARD TOTAL BOND MARKET COM 921937835   2,154 30,866 SH   SOLE   33,975 0 0
VANGUARD TOTAL INTERNATIONAL COM 921909768   31 576 SH   SOLE   557 0 0
VANGUARD TOTAL STOCK MARKET COM 922908769   47,674 224,444 SH   SOLE   244,228 0 0
VANGUARD VALUE ETF COM 922908744   122 882 SH   SOLE   943 0 0