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
Estimated average burden
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
Alphabet Inc Cl A COM 02079k305   816,566 6,240 SH   SOLE   0 0 6,240
Amazon Communications COM 023135106   200,850 1,580 SH   SOLE   0 0 1,580
Apple Inc COM 037833100   809,746 4,730 SH   SOLE   0 0 4,730
Berkshire Hathaway Cl B COM 084670702   1,341,649 3,830 SH   SOLE   0 0 3,830
Exxon Mobil Corporation COM 30231G102   448,568 3,815 SH   SOLE   0 0 3,815
Home Depot Inc COM 437076102   271,340 898 SH   SOLE   0 0 898
JP Morgan Chase & Co COM 46625h100   258,877 1,785 SH   SOLE   0 0 1,785
Johnson & Johnson COM 478160104   579,851 3,723 SH   SOLE   0 0 3,723
Lockheed Martin Corp COM 539830109   204,480 500 SH   SOLE   0 0 500
MasterCard Inc COM 57636q104   513,341 1,297 SH   SOLE   0 0 1,297
Merck & Co Inc COM 58933Y105   277,553 2,696 SH   SOLE   0 0 2,696
Microsoft Corp COM 594918104   1,648,096 5,220 SH   SOLE   0 0 5,220
Procter & Gamble Co COM 742718109   338,409 2,320 SH   SOLE   0 0 2,320
Royal Gold Inc COM 780287108   253,172 2,381 SH   SOLE   0 0 2,381
Texas Instruments Inc COM 882508104   346,642 2,180 SH   SOLE   0 0 2,180
TransDigm Group Inc COM 893641100   432,526 513 SH   SOLE   0 0 513
DFA International Core Equity COM 25434V799   30,761,377 1,317,404 SH   SOLE   0 0 1,317,404
Dimensional Emerging Markets C COM 25434V732   13,800,558 592,045 SH   SOLE   0 0 592,045
Dimensional Global Real Estate COM 25434V658   37,351,938 1,666,753 SH   SOLE   0 0 1,666,753
Dimensional International Valu COM 25434v807   1,021,959 31,329 SH   SOLE   0 0 31,329
Dimensional US Real Estate ETF COM 25434V823   279,995 14,344 SH   SOLE   0 0 14,344
Dimensional US Small Cap ETF COM 25434V500   1,334,663 25,427 SH   SOLE   0 0 25,427
Dimensional US Small Cap Value COM 25434V815   117,201,455 4,625,156 SH   SOLE   0 0 4,625,156
Goldman Sachs Active Beta ETF COM 381430503   321,119 3,812 SH   SOLE   0 0 3,812
IShares Core MSCI Emerging ETF COM 46434g103   1,961,023 41,207 SH   SOLE   0 0 41,207
Invesco BulletShares 2026 Corp COM 46138J791   244,735 13,028 SH   SOLE   0 0 13,028
Invesco QQQ Trust COM 46090e103   2,272,138 6,342 SH   SOLE   0 0 6,342
Invesco S&P 500 Equal Weight E COM 46137v357   802,107 5,661 SH   SOLE   0 0 5,661
Pimco 0-5 Year High Yield Corp COM 72201R783   1,618,682 17,926 SH   SOLE   0 0 17,926
SPDR Energy Select ETF COM 81369Y506   459,124 5,079 SH   SOLE   0 0 5,079
SPDR Financial Select Sector E COM 81369Y605   224,395 6,765 SH   SOLE   0 0 6,765
SPDR Gold Shares COM 78463v107   569,900 3,324 SH   SOLE   0 0 3,324
SPDR S&P 500 ETF Trust COM 78462F103   120,595,508 282,108 SH   SOLE   0 0 282,108
SPDR S&P Dividend ETF COM 78464a763   257,747 2,241 SH   SOLE   0 0 2,241
SPDR S&P MidCap 400 ETF Trust COM 78467y107   2,438,959 5,341 SH   SOLE   0 0 5,341
SPDR S&P Oil & Gas Exploration COM 78464a730   353,061 2,387 SH   SOLE   0 0 2,387
Schwab Emerging Markets COM 808524706   23,178,837 968,205 SH   SOLE   0 0 968,205
Schwab Intermediate Term US Tr COM 808524854   612,817 12,783 SH   SOLE   0 0 12,783
Schwab International Equity ET COM 808524805   65,622,278 1,932,340 SH   SOLE   0 0 1,932,340
Schwab Short Term Treasury ETF COM 808524862   368,566 7,696 SH   SOLE   0 0 7,696
Schwab US Aggregate Bond ETF COM 808524839   9,779,209 221,099 SH   SOLE   0 0 221,099
Schwab US Broad Market ETF COM 808524102   5,794,652 116,242 SH   SOLE   0 0 116,242
Schwab US Dividend Equity ETF COM 808524797   1,035,323 14,631 SH   SOLE   0 0 14,631
Schwab US Large Cap ETF COM 808524201   143,910,786 2,844,087 SH   SOLE   0 0 2,844,087
Schwab US Large Cap Growth ETF COM 808524300   4,858,882 66,816 SH   SOLE   0 0 66,816
Schwab US Large Cap Value ETF COM 808524409   1,703,585 26,429 SH   SOLE   0 0 26,429
Schwab US Mid Cap ETF COM 808524508   64,246,317 949,266 SH   SOLE   0 0 949,266
Schwab US REIT ETF COM 808524847   2,418,751 136,268 SH   SOLE   0 0 136,268
Schwab US Small Cap ETF COM 808524607   208,012 5,022 SH   SOLE   0 0 5,022
Schwab US Tips ETF COM 808524870   1,878,581 37,207 SH   SOLE   0 0 37,207
Sector SPDR Technology Select COM 81369Y803   1,983,748 12,101 SH   SOLE   0 0 12,101
VanEck Vectors Oils Services E COM 92189f718   477,042 1,383 SH   SOLE   0 0 1,383
Vanguard Dividend Appreciation COM 921908844   2,734,688 17,600 SH   SOLE   0 0 17,600
Vanguard FTSE All-World EX-US COM 922042775   11,796,846 227,431 SH   SOLE   0 0 227,431
Vanguard Global Ex US Real Est COM 922042676   7,493,145 192,477 SH   SOLE   0 0 192,477
Vanguard Growth Vipers COM 922908736   9,085,060 33,363 SH   SOLE   0 0 33,363
Vanguard Large Cap COM 922908637   34,948,615 178,592 SH   SOLE   0 0 178,592
Vanguard MSCI EAFE ETF COM 921943858   225,564,921 5,159,307 SH   SOLE   0 0 5,159,307
Vanguard MSCI Emerging Markets COM 922042858   88,534,854 2,257,966 SH   SOLE   0 0 2,257,966
Vanguard Mid Cap Growth Index COM 922908538   5,655,076 29,035 SH   SOLE   0 0 29,035
Vanguard Mid Cap Value COM 922908512   8,036,668 61,367 SH   SOLE   0 0 61,367
Vanguard Mid Cap Vipers COM 922908629   246,497,747 1,183,719 SH   SOLE   0 0 1,183,719
Vanguard REIT Vipers COM 922908553   16,205,522 214,189 SH   SOLE   0 0 214,189
Vanguard Russell 1000 Growth COM 92206c680   301,517 4,406 SH   SOLE   0 0 4,406
Vanguard S&P 500 ETF COM 922908363   504,033,642 1,283,508 SH   SOLE   0 0 1,283,508
Vanguard ST Inflation Protecte COM 922020805   3,069,288 64,917 SH   SOLE   0 0 64,917
Vanguard Small Cap COM 922908751   3,450,694 18,251 SH   SOLE   0 0 18,251
Vanguard Small Cap Growth COM 922908595   232,823 1,087 SH   SOLE   0 0 1,087
Vanguard Small Cap Value COM 922908611   29,619,685 185,715 SH   SOLE   0 0 185,715
Vanguard Total Bond Market ETF COM 921937835   400,398 5,738 SH   SOLE   0 0 5,738
Vanguard Total International B COM 92203j407   1,899,281 39,709 SH   SOLE   0 0 39,709
Vanguard Total Stock Market Vi COM 922908769   30,678,273 144,430 SH   SOLE   0 0 144,430
Vanguard Total World Stock Ind COM 922042742   365,319 3,921 SH   SOLE   0 0 3,921
Vanguard Value COM 922908744   7,486,007 54,274 SH   SOLE   0 0 54,274
iShares Barclays US Treasury I COM 464287176   250,795 2,418 SH   SOLE   0 0 2,418
iShares Core MSCI EAFE ETF COM 46432f842   924,779 14,371 SH   SOLE   0 0 14,371
iShares Core MSCI Total Intl S COM 46432f834   707,162 11,788 SH   SOLE   0 0 11,788
iShares Core S&P US Value ETF COM 464287663   209,309 2,805 SH   SOLE   0 0 2,805
iShares Core US Aggregate Bond COM 464287226   1,327,469 14,116 SH   SOLE   0 0 14,116
iShares Core US Growth ETF COM 464287671   2,434,096 25,668 SH   SOLE   0 0 25,668
iShares DJ Select Dividend Ind COM 464287168   1,157,130 10,750 SH   SOLE   0 0 10,750
iShares ESG Advanced MSCI EAFE COM 46436E759   837,739 14,674 SH   SOLE   0 0 14,674
iShares ESG Advanced MSCI USA COM 46436E767   1,091,478 31,491 SH   SOLE   0 0 31,491
iShares ESG Aware MSCI EAFE ET COM 46435G516   1,014,068 14,669 SH   SOLE   0 0 14,669
iShares ESG Aware MSCI ETF COM 46434G863   1,436,756 47,449 SH   SOLE   0 0 47,449
iShares ESG Aware MSCI USA ETF COM 46435G425   1,180,449 12,570 SH   SOLE   0 0 12,570
iShares Lehman 3-7 Year Treasu COM 464288661   438,053 3,871 SH   SOLE   0 0 3,871
iShares MSCI ACWI Index Fund COM 464288257   923,700 10,000 SH   SOLE   0 0 10,000
iShares MSCI EAFE Index Fund COM 464287465   3,237,998 46,982 SH   SOLE   0 0 46,982
iShares MSCI EAFE Minimum Vola COM 46429b689   340,253 5,217 SH   SOLE   0 0 5,217
iShares MSCI EAFE Small Cap In COM 464288273   291,442 5,161 SH   SOLE   0 0 5,161
iShares MSCI Emerging Markets COM 464287234   792,869 20,892 SH   SOLE   0 0 20,892
iShares MSCI Emerging Markets COM 464286533   654,871 12,275 SH   SOLE   0 0 12,275
iShares MSCI Minimum Volatilit COM 46429b697   1,994,793 27,560 SH   SOLE   0 0 27,560
iShares Russell 1000 Growth COM 464287614   8,616,214 32,393 SH   SOLE   0 0 32,393
iShares Russell 1000 Index Fun COM 464287622   10,032,056 42,706 SH   SOLE   0 0 42,706
iShares Russell 1000 Value Ind COM 464287598   4,359,926 28,718 SH   SOLE   0 0 28,718
iShares Russell 2000 Growth COM 464287648   1,360,936 6,072 SH   SOLE   0 0 6,072
iShares Russell 2000 Index COM 464287655   6,158,954 34,848 SH   SOLE   0 0 34,848
iShares Russell 3000 Index COM 464287689   2,741,731 11,188 SH   SOLE   0 0 11,188
iShares Russell Midcap COM 464287499   64,453,855 930,742 SH   SOLE   0 0 930,742
iShares Russell Midcap Growth COM 464287481   12,118,638 132,662 SH   SOLE   0 0 132,662
iShares Russell Midcap Value COM 464287473   9,270,264 88,847 SH   SOLE   0 0 88,847
iShares S&P Mid Cap 400 Index COM 464287507   362,804 1,455 SH   SOLE   0 0 1,455
iShares S&P Mid Cap 400 Value COM 464287705   655,217 6,492 SH   SOLE   0 0 6,492
iShares Tr S&P 500/Barra Growt COM 464287309   2,203,466 32,205 SH   SOLE   0 0 32,205
iShares Trust S&P 500 Index COM 464287200   17,981,411 41,873 SH   SOLE   0 0 41,873
iShares Trust S&P 500/Barra Va COM 464287408   554,947 3,607 SH   SOLE   0 0 3,607
iShares Trust S&P SmallCap 600 COM 464287804   1,944,985 20,619 SH   SOLE   0 0 20,619