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 CAP STK CL C 02079K107   26,370 200 SH   SOLE   200 0 0
ALPHABET INC CAP STK CL A 02079K305   214,610 1,640 SH   SOLE   1,640 0 0
AMAZON COM INC COM 023135106   1,693,874 13,325 SH   SOLE   13,325 0 0
APPLE INC COM 037833100   3,244,087 18,948 SH   SOLE   18,948 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   204,443 6,361 SH   SOLE   6,361 0 0
COCA COLA CO COM 191216100   303,591 5,379 SH   SOLE   5,379 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   507,054 16,930 SH   SOLE   16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,002,990 38,414 SH   SOLE   38,414 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   8,681,167 384,633 SH   SOLE   384,633 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   43,660,642 937,930 SH   SOLE   937,930 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   427,531 8,145 SH   SOLE   8,145 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   285,154 12,997 SH   SOLE   12,997 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   13,493,655 333,671 SH   SOLE   333,671 0 0
ISHARES GOLD TR ISHARES NEW 464285204   799,871 22,860 SH   SOLE   22,860 0 0
ISHARES TR TIPS BD ETF 464287176   187,629 1,809 SH   SOLE   1,809 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,091,941 4,849 SH   SOLE   4,849 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,112,049 29,303 SH   SOLE   29,303 0 0
ISHARES TR S&P 500 VAL ETF 464287408   27,069 175 SH   SOLE   175 0 0
ISHARES TR MSCI EAFE ETF 464287465   154,243 2,238 SH   SOLE   2,238 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,748,658 6,981 SH   SOLE   6,981 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,115,319 4,185 SH   SOLE   4,185 0 0
ISHARES TR CORE S&P SCP ETF 464287804   21,748,999 229,446 SH   SOLE   229,446 0 0
ISHARES TR EAFE GRWTH ETF 464288885   416,656 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842   36,192,213 562,428 SH   SOLE   562,428 0 0
OPKO HEALTH INC COM 68375N103   23,566 14,729 SH   SOLE   14,729 0 0
PRICE T ROWE GROUP INC COM 74144T108   1,324,508 12,630 SH   SOLE   12,630 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   674,990 20,930 SH   SOLE   20,930 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,654,760 8,518 SH   SOLE   8,518 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,670,324 23,937 SH   SOLE   23,937 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   42,153,371 856,950 SH   SOLE   856,950 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   264,897 672 SH   SOLE   672 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   241,306 3,159 SH   SOLE   3,159 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   57,924 296 SH   SOLE   296 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,564,159 18,851 SH   SOLE   18,851 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,903,438 27,339 SH   SOLE   27,339 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,330,176 441,984 SH   SOLE   441,984 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,740,782 140,141 SH   SOLE   140,141 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,810,394 118,236 SH   SOLE   118,236 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,458,587 28,554 SH   SOLE   28,554 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,359,473 31,095 SH   SOLE   31,095 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,742,492 16,865 SH   SOLE   16,865 0 0