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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 4,139,869 63,612 SH SOLE 0 0 0 63,612
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,067,056 36,543 SH SOLE 0 0 0 36,543
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 51,555,219 1,490,466 SH SOLE 0 0 0 1,490,466
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 7,331,002 112,646 SH SOLE 0 0 0 112,646
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 7,852,748 255,125 SH SOLE 0 0 0 255,125
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 11,845,654 482,413 SH SOLE 0 0 0 482,413
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 13,465,143 514,133 SH SOLE 0 0 0 514,133
FLEXSHARES TR MORNSTAR USMKT 33939L100 2,942,718 13,627 SH SOLE 0 0 0 13,627
ISHARES TR CORE S&P SCP ETF 464287804 575,166 4,992 SH SOLE 0 0 0 4,992
ISHARES TR S&P 500 VAL ETF 464287408 540,826 2,833 SH SOLE 0 0 0 2,833
ISHARES TR CORE S&P500 ETF 464287200 397,230 675 SH SOLE 0 0 0 675
ISHARES TR MSCI EAFE ETF 464287465 254,346 3,364 SH SOLE 0 0 0 3,364
ISHARES TR ISHS 1-5YR INVS 464288646 8,881,393 171,787 SH SOLE 0 0 0 171,787
ISHARES TR NATIONAL MUN ETF 464288414 758,956 7,123 SH SOLE 0 0 0 7,123
ISHARES TR INTRM GOV CR ETF 464288612 430,887 4,134 SH SOLE 0 0 0 4,134
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 822,190 16,323 SH SOLE 0 0 0 16,323
NVIDIA CORPORATION COM 67066G104 288,724 2,150 SH SOLE 0 0 0 2,150
PIMCO ETF TR INTER MUN BD ACT 72201R866 378,560 7,318 SH SOLE 0 0 0 7,318
SPDR SER TR S&P 600 SMCP VAL 78464A300 234,703 2,690 SH SOLE 0 0 0 2,690
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 458,412 5,933 SH SOLE 0 0 0 5,933
VANGUARD BD INDEX FDS INTERMED TERM 921937819 23,125,900 309,459 SH SOLE 0 0 0 309,459
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 879,415 17,723 SH SOLE 0 0 0 17,723
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,017,429 265,391 SH SOLE 0 0 0 265,391
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,394,048 32,282 SH SOLE 0 0 0 32,282
VANGUARD INDEX FDS MID CAP ETF 922908629 250,924 950 SH SOLE 0 0 0 950
VANGUARD INDEX FDS SM CP VAL ETF 922908611 448,745 2,264 SH SOLE 0 0 0 2,264
VANGUARD INDEX FDS LARGE CAP ETF 922908637 337,125 1,250 SH SOLE 0 0 0 1,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 315,776 7,170 SH SOLE 0 0 0 7,170
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 23,066,394 482,359 SH SOLE 0 0 0 482,359