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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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
Alphabet Inc Cl A COM 02079k305   660 6,360 SH   SOLE   0 0 6,360
Apple Inc COM 037833100   780 4,730 SH   SOLE   0 0 4,730
Berkshire Hathaway Cl B COM 084670702   1,257 4,071 SH   SOLE   0 0 4,071
Exxon Mobil Corporation COM 30231G102   504 4,599 SH   SOLE   0 0 4,599
Home Depot Inc COM 437076102   288 977 SH   SOLE   0 0 977
JP Morgan Chase & Co COM 46625h100   211 1,622 SH   SOLE   0 0 1,622
Johnson & Johnson COM 478160104   576 3,718 SH   SOLE   0 0 3,718
Lockheed Martin Corp COM 539830109   236 500 SH   SOLE   0 0 500
MasterCard Inc COM 57636q104   486 1,336 SH   SOLE   0 0 1,336
Merck & Co Inc COM 58933Y105   216 2,033 SH   SOLE   0 0 2,033
Microsoft Corp COM 594918104   1,495 5,186 SH   SOLE   0 0 5,186
Procter & Gamble Co COM 742718109   345 2,320 SH   SOLE   0 0 2,320
Royal Gold Inc COM 780287108   311 2,400 SH   SOLE   0 0 2,400
Texas Instruments Inc COM 882508104   414 2,224 SH   SOLE   0 0 2,224
TransDigm Group Inc COM 893641100   378 513 SH   SOLE   0 0 513
DFA International Core Equity COM 25434V799   16,091 668,664 SH   SOLE   0 0 668,664
Dimensional Emerging Markets C COM 25434V732   7,583 321,461 SH   SOLE   0 0 321,461
Dimensional Global Real Estate COM 25434V658   11,666 475,197 SH   SOLE   0 0 475,197
Dimensional US Core Equity 2 E COM 25434V708   429 16,836 SH   SOLE   0 0 16,836
Dimensional US Real Estate ETF COM 25434V823   308 14,344 SH   SOLE   0 0 14,344
Dimensional US Small Cap ETF COM 25434V500   881 16,719 SH   SOLE   0 0 16,719
Dimensional US Small Cap Value COM 25434V815   106,438 4,269,488 SH   SOLE   0 0 4,269,488
Goldman Sachs Active Beta ETF COM 381430503   331 4,075 SH   SOLE   0 0 4,075
IShares Core MSCI Emerging ETF COM 46434g103   2,026 41,518 SH   SOLE   0 0 41,518
Invesco QQQ Trust COM 46090e103   715 2,229 SH   SOLE   0 0 2,229
Invesco S&P 500 Equal Weight E COM 46137v357   819 5,661 SH   SOLE   0 0 5,661
Nuveen Real Estate Income Fund COM 67071B108   105 14,028 SH   SOLE   0 0 14,028
Pimco 0-5 Year High Yield Corp COM 72201R783   1,981 21,698 SH   SOLE   0 0 21,698
SPDR Energy Select ETF COM 81369Y506   370 4,462 SH   SOLE   0 0 4,462
SPDR Financial Select Sector E COM 81369Y605   217 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107   559 3,052 SH   SOLE   0 0 3,052
SPDR S&P 500 ETF Trust COM 78462F103   114,303 279,204 SH   SOLE   0 0 279,204
SPDR S&P Dividend ETF COM 78464a763   277 2,241 SH   SOLE   0 0 2,241
SPDR S&P MidCap 400 ETF Trust COM 78467y107   2,164 4,720 SH   SOLE   0 0 4,720
SPDR S&P Oil & Gas Exploration COM 78464a730   252 1,973 SH   SOLE   0 0 1,973
Schwab Emerging Markets COM 808524706   23,982 978,038 SH   SOLE   0 0 978,038
Schwab Intermediate Term US Tr COM 808524854   328 6,506 SH   SOLE   0 0 6,506
Schwab International Equity ET COM 808524805   65,671 1,887,093 SH   SOLE   0 0 1,887,093
Schwab US Aggregate Bond ETF COM 808524839   12,621 269,038 SH   SOLE   0 0 269,038
Schwab US Broad Market ETF COM 808524102   5,779 120,779 SH   SOLE   0 0 120,779
Schwab US Dividend Equity ETF COM 808524797   1,042 14,243 SH   SOLE   0 0 14,243
Schwab US Large Cap ETF COM 808524201   140,613 2,907,036 SH   SOLE   0 0 2,907,036
Schwab US Large Cap Growth ETF COM 808524300   2,907 44,603 SH   SOLE   0 0 44,603
Schwab US Large Cap Value ETF COM 808524409   1,536 23,421 SH   SOLE   0 0 23,421
Schwab US Mid Cap ETF COM 808524508   67,957 1,001,573 SH   SOLE   0 0 1,001,573
Schwab US REIT ETF COM 808524847   4,902 251,370 SH   SOLE   0 0 251,370
Schwab US Small Cap ETF COM 808524607   216 5,148 SH   SOLE   0 0 5,148
Schwab US Tips ETF COM 808524870   2,694 50,255 SH   SOLE   0 0 50,255
Sector SPDR Technology Select COM 81369Y803   1,847 12,228 SH   SOLE   0 0 12,228
VanEck Vectors Oils Services E COM 92189f718   364 1,314 SH   SOLE   0 0 1,314
Vanguard Dividend Appreciation COM 921908844   2,707 17,579 SH   SOLE   0 0 17,579
Vanguard FTSE All-World EX-US COM 922042775   12,739 238,240 SH   SOLE   0 0 238,240
Vanguard Global Ex US Real Est COM 922042676   7,734 190,622 SH   SOLE   0 0 190,622
Vanguard Growth Vipers COM 922908736   7,740 31,031 SH   SOLE   0 0 31,031
Vanguard Health Care Vipers COM 92204a504   233 978 SH   SOLE   0 0 978
Vanguard Large Cap COM 922908637   34,442 184,370 SH   SOLE   0 0 184,370
Vanguard MSCI EAFE ETF COM 921943858   225,912 5,001,374 SH   SOLE   0 0 5,001,374
Vanguard MSCI Emerging Markets COM 922042858   86,011 2,128,997 SH   SOLE   0 0 2,128,997
Vanguard Mid Cap Growth Index COM 922908538   5,371 27,562 SH   SOLE   0 0 27,562
Vanguard Mid Cap Value COM 922908512   7,776 57,998 SH   SOLE   0 0 57,998
Vanguard Mid Cap Vipers COM 922908629   240,812 1,141,722 SH   SOLE   0 0 1,141,722
Vanguard REIT Vipers COM 922908553   19,203 231,251 SH   SOLE   0 0 231,251
Vanguard Russell 1000 Growth COM 92206c680   277 4,406 SH   SOLE   0 0 4,406
Vanguard S&P 500 ETF COM 922908363   476,947 1,268,241 SH   SOLE   0 0 1,268,241
Vanguard ST Inflation Protecte COM 922020805   3,640 76,121 SH   SOLE   0 0 76,121
Vanguard Small Cap COM 922908751   3,395 17,909 SH   SOLE   0 0 17,909
Vanguard Small Cap Value COM 922908611   22,727 143,151 SH   SOLE   0 0 143,151
Vanguard Total Bond Market ETF COM 921937835   395 5,355 SH   SOLE   0 0 5,355
Vanguard Total International B COM 92203j407   1,913 39,106 SH   SOLE   0 0 39,106
Vanguard Total Stock Market Vi COM 922908769   29,985 146,915 SH   SOLE   0 0 146,915
Vanguard Value COM 922908744   6,333 45,855 SH   SOLE   0 0 45,855
iShares Barclays US Treasury I COM 464287176   402 3,648 SH   SOLE   0 0 3,648
iShares Core MSCI EAFE ETF COM 46432f842   961 14,371 SH   SOLE   0 0 14,371
iShares Core MSCI Total Intl S COM 46432f834   706 11,390 SH   SOLE   0 0 11,390
iShares Core US Aggregate Bond COM 464287226   1,100 11,044 SH   SOLE   0 0 11,044
iShares Core US Growth ETF COM 464287671   2,275 25,625 SH   SOLE   0 0 25,625
iShares DJ Select Dividend Ind COM 464287168   1,172 10,000 SH   SOLE   0 0 10,000
iShares Dow Jones US Energy Se COM 464287796   337 7,696 SH   SOLE   0 0 7,696
iShares ESG Advanced MSCI EAFE COM 46436E759   616 10,330 SH   SOLE   0 0 10,330
iShares ESG Advanced MSCI USA COM 46436E767   348 10,524 SH   SOLE   0 0 10,524
iShares ESG Aware MSCI EAFE ET COM 46435G516   800 11,129 SH   SOLE   0 0 11,129
iShares ESG Aware MSCI ETF COM 46434G863   2,854 90,661 SH   SOLE   0 0 90,661
iShares ESG Aware MSCI USA ETF COM 46435G425   1,005 11,115 SH   SOLE   0 0 11,115
iShares Lehman 3-7 Year Treasu COM 464288661   278 2,362 SH   SOLE   0 0 2,362
iShares MSCI ACWI Index Fund COM 464288257   912 10,000 SH   SOLE   0 0 10,000
iShares MSCI EAFE Growth Index COM 464288885   833 8,892 SH   SOLE   0 0 8,892
iShares MSCI EAFE Index Fund COM 464287465   3,328 46,536 SH   SOLE   0 0 46,536
iShares MSCI EAFE Minimum Vola COM 46429b689   381 5,627 SH   SOLE   0 0 5,627
iShares MSCI EAFE Small Cap In COM 464288273   1,025 17,224 SH   SOLE   0 0 17,224
iShares MSCI Emerging Markets COM 464287234   851 21,575 SH   SOLE   0 0 21,575
iShares MSCI Emerging Markets COM 464286533   670 12,275 SH   SOLE   0 0 12,275
iShares MSCI Minimum Volatilit COM 46429b697   2,013 27,680 SH   SOLE   0 0 27,680
iShares Russell 1000 Growth COM 464287614   8,276 33,872 SH   SOLE   0 0 33,872
iShares Russell 1000 Index Fun COM 464287622   9,899 43,950 SH   SOLE   0 0 43,950
iShares Russell 1000 Value Ind COM 464287598   4,085 26,829 SH   SOLE   0 0 26,829
iShares Russell 2000 Growth COM 464287648   1,264 5,571 SH   SOLE   0 0 5,571
iShares Russell 2000 Index COM 464287655   6,411 35,936 SH   SOLE   0 0 35,936
iShares Russell 3000 Index COM 464287689   2,634 11,188 SH   SOLE   0 0 11,188
iShares Russell Midcap COM 464287499   66,980 957,959 SH   SOLE   0 0 957,959
iShares Russell Midcap Growth COM 464287481   11,881 130,485 SH   SOLE   0 0 130,485
iShares Russell Midcap Value COM 464287473   9,639 90,765 SH   SOLE   0 0 90,765
iShares S&P Mid Cap 400 Index COM 464287507   360 1,438 SH   SOLE   0 0 1,438
iShares S&P Mid Cap 400 Value COM 464287705   408 3,968 SH   SOLE   0 0 3,968
iShares Tr S&P 500/Barra Growt COM 464287309   2,484 38,878 SH   SOLE   0 0 38,878
iShares Trust S&P 500 Index COM 464287200   17,485 42,535 SH   SOLE   0 0 42,535
iShares Trust S&P 500/Barra Va COM 464287408   800 5,269 SH   SOLE   0 0 5,269
iShares Trust S&P SmallCap 600 COM 464287804   1,547 15,994 SH   SOLE   0 0 15,994