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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
OMB APPROVAL
OMB Number: 3235-0006
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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
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   2,525,428 56,393 SH   SOLE   0 0 56,393
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   3,961,245 78,340 SH   SOLE   0 0 78,340
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   6,070,238 125,678 SH   SOLE   0 0 125,678
ISHARES TR 0-5 YR TIPS ETF 46429B747   7,088,197 71,432 SH   SOLE   0 0 71,432
ISHARES TR ESG AWARE MSCI 46435U663   940,750 27,677 SH   SOLE   0 0 27,677
ISHARES TR MBS ETF 464288588   16,455,118 173,705 SH   SOLE   0 0 173,705
ISHARES TR SHORT TREAS BD 464288679   15,895,909 143,854 SH   SOLE   0 0 143,854
VANGUARD WORLD FD ESG INTL STK ETF 921910725   3,255,436 62,174 SH   SOLE   0 0 62,174
VANGUARD WORLD FD ESG US CORP BD 921910691   1,054,306 16,815 SH   SOLE   0 0 16,815
VANGUARD WORLD FD ESG US STK ETF 921910733   2,822,583 39,361 SH   SOLE   0 0 39,361
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   16,842,109 287,703 SH   SOLE   0 0 287,703
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   3,719,547 87,129 SH   SOLE   0 0 87,129
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   3,971,478 82,413 SH   SOLE   0 0 82,413
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,062,332 69,465 SH   SOLE   0 0 69,465
ISHARES INC CORE MSCI EMKT 46434G103   2,600,247 53,295 SH   SOLE   0 0 53,295
ISHARES TR CORE S&P US VLU 464287663   5,041,190 68,327 SH   SOLE   0 0 68,327
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   2,936,889 112,740 SH   SOLE   0 0 112,740
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,494,455 175,710 SH   SOLE   0 0 175,710
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   10,344,788 188,361 SH   SOLE   0 0 188,361
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,032,373 111,410 SH   SOLE   0 0 111,410
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,103,838 54,404 SH   SOLE   0 0 54,404
ISHARES TR ESG AW MSCI EAFE 46435G516   205,103 2,855 SH   SOLE   0 0 2,855
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   449,844 9,220 SH   SOLE   0 0 9,220
SPDR SER TR PORT MTG BK ETF 78464A383   454,690 20,500 SH   SOLE   0 0 20,500
ISHARES TR NATIONAL MUN ETF 464288414   252,112 2,340 SH   SOLE   0 0 2,340
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   251,274 4,960 SH   SOLE   0 0 4,960
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   642,390 13,800 SH   SOLE   0 0 13,800