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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 INTL CORE EQUITY 25434V799   27,907,726 1,195,192 SH   SOLE   0 0 1,195,192
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   104,616,357 1,499,231 SH   SOLE   683 0 1,498,548
ISHARES TR CORE US AGGBD ET 464287226   60,949,058 648,118 SH   SOLE   0 0 648,118
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   36,647,893 1,398,775 SH   SOLE   0 0 1,398,775
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   28,891,154 1,124,607 SH   SOLE   0 0 1,124,607
ISHARES TR NATIONAL MUN ETF 464288414   1,292,078 12,601 SH   SOLE   0 0 12,601
ISHARES TR MSCI EMG MKT ETF 464287234   2,921,161 76,974 SH   SOLE   0 0 76,974
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   10,877,504 469,060 SH   SOLE   0 0 469,060
WISDOMTREE TR EMG MKTS SMCAP 97717W281   9,467,785 204,665 SH   SOLE   0 0 204,665
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,226,180 51,563 SH   SOLE   0 0 51,563
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   35,907,179 536,890 SH   SOLE   630 0 536,260
ISHARES TR MSCI EAFE ETF 464287465   4,730,390 68,636 SH   SOLE   0 0 68,636
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,111,058 68,091 SH   SOLE   0 0 68,091
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,031,922 57,762 SH   SOLE   0 0 57,762
ISHARES TR S&P 500 VAL ETF 464287408   11,218,931 72,926 SH   SOLE   0 0 72,926
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   525,159 15,437 SH   SOLE   0 0 15,437
SCHWAB STRATEGIC TR US REIT ETF 808524847   396,127 22,317 SH   SOLE   0 0 22,317
VANGUARD INDEX FDS TOTAL STK MKT 922908769   94,218,628 443,570 SH   SOLE   578 0 442,992
SPDR SER TR PORTFLI TIPS ETF 78464A656   420,126 16,913 SH   SOLE   0 0 16,913
ISHARES TR AGGRES ALLOC ETF 464289859   734,151 11,563 SH   SOLE   0 0 11,563
ISHARES TR RUS TOP 200 ETF 464289446   686,465 6,641 SH   SOLE   0 0 6,641
FLEXSHARES TR M STAR DEV MKT 33939L803   15,492,087 247,675 SH   SOLE   0 0 247,675
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   35,448,621 810,810 SH   SOLE   964 0 809,846
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   364,396 9,360 SH   SOLE   0 0 9,360
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   240,899 2,332 SH   SOLE   0 0 2,332
ISHARES TR EAFE VALUE ETF 464288877   9,347,951 191,047 SH   SOLE   0 0 191,047
WISDOMTREE TR INTL SMCAP DIV 97717W760   1,586,576 27,607 SH   SOLE   0 0 27,607
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   365,374 4,809 SH   SOLE   0 0 4,809
VANGUARD INDEX FDS SM CP VAL ETF 922908611   100,863,064 632,410 SH   SOLE   435 0 631,975
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   36,814,010 346,648 SH   SOLE   414 0 346,234
ISHARES INC CORE MSCI EMKT 46434G103   260,794 5,480 SH   SOLE   0 0 5,480
VANGUARD INDEX FDS VALUE ETF 922908744   85,577,738 620,443 SH   SOLE   714 0 619,730
ISHARES TR CORE S&P500 ETF 464287200   5,042,209 11,742 SH   SOLE   0 0 11,742
ISHARES TR GRWT ALLOCAT ETF 464289867   399,891 8,093 SH   SOLE   0 0 8,093
VANGUARD STAR FDS VG TL INTL STK F 921909768   36,159,065 675,618 SH   SOLE   920 0 674,698
ISHARES TR MICRO-CAP ETF 464288869   4,978,740 49,738 SH   SOLE   0 0 49,738
WISDOMTREE TR US HIGH DIVIDEND 97717W208   242,656 3,109 SH   SOLE   0 0 3,109
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   517,094 11,108 SH   SOLE   0 0 11,108
ISHARES TR EAFE SML CP ETF 464288273   2,998,053 53,091 SH   SOLE   0 0 53,091
FLEXSHARES TR MSTAR EMKT FAC 33939L308   3,344,492 69,751 SH   SOLE   0 0 69,751
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   25,231,285 643,491 SH   SOLE   763 0 642,728
VANGUARD INDEX FDS SMALL CP ETF 922908751   87,466,045 462,612 SH   SOLE   390 0 462,221
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   33,540,334 709,398 SH   SOLE   328 0 709,070
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   856,331 29,387 SH   SOLE   0 0 29,387
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   18,076,264 313,824 SH   SOLE   0 0 313,824
ISHARES TR 1 3 YR TREAS BD 464287457   8,511,625 105,121 SH   SOLE   0 0 105,121
ISHARES TR CORE S&P TTL STK 464287150   496,655 5,273 SH   SOLE   0 0 5,273
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   82,959,528 211,254 SH   SOLE   252 0 211,002
FLEXSHARES TR MORNSTAR USMKT 33939L100   21,056,330 129,271 SH   SOLE   0 0 129,271
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   39,542,077 522,629 SH   SOLE   638 0 521,991
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   8,793,053 389,590 SH   SOLE   0 0 389,590
ISHARES TR IBOXX HI YD ETF 464288513   545,331 7,397 SH   SOLE   0 0 7,397
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   65,609,946 872,821 SH   SOLE   206 0 872,615
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   33,460,595 445,251 SH   SOLE   205 0 445,046
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   2,605,114 68,197 SH   SOLE   0 0 68,197
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   241,494 7,403 SH   SOLE   0 0 7,403
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   47,999,833 925,387 SH   SOLE   1,097 0 924,290
VANGUARD INDEX FDS LARGE CAP ETF 922908637   621,663 3,177 SH   SOLE   0 0 3,177
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   22,436,694 387,843 SH   SOLE   0 0 387,843
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,983,769 21,290 SH   SOLE   0 0 21,290
ISHARES TR CORE MSCI EAFE 46432F842   431,183 6,701 SH   SOLE   0 0 6,701
VANGUARD BD INDEX FDS INTERMED TERM 921937819   101,562,772 1,404,547 SH   SOLE   640 0 1,403,907
ISHARES TR SHRT NAT MUN ETF 464288158   2,826,948 27,483 SH   SOLE   0 0 27,483
WISDOMTREE TR FUTRE STRAT FD 97717W125   3,417,184 97,051 SH   SOLE   0 0 97,051
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   33,241,185 694,986 SH   SOLE   322 0 694,664
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   34,985,910 603,934 SH   SOLE   729 0 603,205
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   19,231,928 876,569 SH   SOLE   0 0 876,569