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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 218 87 SH   SOLE   0 0 87
AMAZON COM INC COM 023135106 712 207 SH   SOLE   0 0 207
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 8,347 128,946 SH   SOLE   0 0 128,946
AMERICAN TOWER CORP NEW COM 03027X100 422 1,564 SH   SOLE   0 0 1,564
APPLE INC COM 037833100 3,294 24,054 SH   SOLE   0 0 24,054
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 304 1,095 SH   SOLE   0 0 1,095
CISCO SYS INC COM 17275R102 213 4,018 SH   SOLE   0 0 4,018
COCA COLA CO COM 191216100 248 4,592 SH   SOLE   0 0 4,592
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 7,084 150,323 SH   SOLE   0 0 150,323
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6,364 108,971 SH   SOLE   0 0 108,971
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 5,649 126,087 SH   SOLE   0 0 126,087
EXXON MOBIL CORP COM 30231G102 474 7,509 SH   SOLE   0 0 7,509
GOLDMAN SACHS GROUP INC COM 38141G104 266 700 SH   SOLE   0 0 700
HOME DEPOT INC COM 437076102 904 2,835 SH   SOLE   0 0 2,835
INVESCO QQQ TR UNIT SER 1 46090E103 1,425 4,020 SH   SOLE   0 0 4,020
ISHARES INC CORE MSCI EMKT 46434G103 2,913 43,479 SH   SOLE   0 0 43,479
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,567 14,738 SH   SOLE   0 0 14,738
ISHARES TR CORE MSCI EAFE 46432F842 2,762 36,890 SH   SOLE   0 0 36,890
ISHARES TR CORE S&P SCP ETF 464287804 12,660 112,055 SH   SOLE   0 0 112,055
ISHARES TR CORE S&P TTL STK 464287150 345 3,489 SH   SOLE   0 0 3,489
ISHARES TR CORE S&P500 ETF 464287200 27,268 63,426 SH   SOLE   0 0 63,426
ISHARES TR CORE US AGGBD ET 464287226 443 3,840 SH   SOLE   0 0 3,840
ISHARES TR CRE U S REIT ETF 464288521 1,011 17,335 SH   SOLE   0 0 17,335
ISHARES TR EAFE GRWTH ETF 464288885 7,498 69,891 SH   SOLE   0 0 69,891
ISHARES TR EAFE SML CP ETF 464288273 6,051 81,599 SH   SOLE   0 0 81,599
ISHARES TR EAFE VALUE ETF 464288877 3,599 69,529 SH   SOLE   0 0 69,529
ISHARES TR HDG MSCI EAFE 46434V803 483 13,953 SH   SOLE   0 0 13,953
ISHARES TR IBONDS DEC2021 46435G789 446 17,398 SH   SOLE   0 0 17,398
ISHARES TR IBONDS DEC2022 46435G755 1,672 63,675 SH   SOLE   0 0 63,675
ISHARES TR JPMORGAN USD EMG 464288281 200 1,780 SH   SOLE   0 0 1,780
ISHARES TR MICRO-CAP ETF 464288869 490 3,210 SH   SOLE   0 0 3,210
ISHARES TR MSCI EAFE ETF 464287465 1,821 23,080 SH   SOLE   0 0 23,080
ISHARES TR MSCI EMG MKT ETF 464287234 257 4,662 SH   SOLE   0 0 4,662
ISHARES TR MSCI INTL MOMENT 46434V449 2,404 62,162 SH   SOLE   0 0 62,162
ISHARES TR MSCI USA MIN VOL 46429B697 239 3,241 SH   SOLE   0 0 3,241
ISHARES TR NATIONAL MUN ETF 464288414 3,508 29,932 SH   SOLE   0 0 29,932
ISHARES TR RUS 1000 ETF 464287622 1,338 5,529 SH   SOLE   0 0 5,529
ISHARES TR RUS 1000 GRW ETF 464287614 6,011 22,143 SH   SOLE   0 0 22,143
ISHARES TR RUS 1000 VAL ETF 464287598 4,809 30,319 SH   SOLE   0 0 30,319
ISHARES TR RUS 2000 VAL ETF 464287630 1,288 7,770 SH   SOLE   0 0 7,770
ISHARES TR RUSSELL 2000 ETF 464287655 1,118 4,873 SH   SOLE   0 0 4,873
ISHARES TR S&P 500 GRWT ETF 464287309 264 3,628 SH   SOLE   0 0 3,628
ISHARES TR S&P 500 VAL ETF 464287408 1,533 10,381 SH   SOLE   0 0 10,381
ISHARES TR SHORT TREAS BD 464288679 444 4,021 SH   SOLE   0 0 4,021
ISHARES TR SHRT NAT MUN ETF 464288158 4,023 37,308 SH   SOLE   0 0 37,308
ISHARES TR SP SMCP600VL ETF 464287879 1,681 15,947 SH   SOLE   0 0 15,947
ISHARES TR U.S. REAL ES ETF 464287739 235 2,303 SH   SOLE   0 0 2,303
JOHNSON & JOHNSON COM 478160104 254 1,541 SH   SOLE   0 0 1,541
MICROSOFT CORP COM 594918104 284 1,047 SH   SOLE   0 0 1,047
POPULAR INC COM NEW 733174700 225 3,000 SH   SOLE   0 0 3,000
QUALCOMM INC COM 747525103 428 2,994 SH   SOLE   0 0 2,994
SBA COMMUNICATIONS CORP NEW CL A 78410G104 476 1,492 SH   SOLE   0 0 1,492
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,786 54,333 SH   SOLE   0 0 54,333
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,462 62,415 SH   SOLE   0 0 62,415
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,035 97,006 SH   SOLE   0 0 97,006
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 273 4,990 SH   SOLE   0 0 4,990
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,578 77,449 SH   SOLE   0 0 77,449
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,048 26,706 SH   SOLE   0 0 26,706
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 798 14,607 SH   SOLE   0 0 14,607
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 617 5,914 SH   SOLE   0 0 5,914
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,677 38,891 SH   SOLE   0 0 38,891
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,491 51,061 SH   SOLE   0 0 51,061
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,946 66,804 SH   SOLE   0 0 66,804
SCHWAB STRATEGIC TR US REIT ETF 808524847 797 17,398 SH   SOLE   0 0 17,398
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,397 13,405 SH   SOLE   0 0 13,405
SCHWAB STRATEGIC TR US TIPS ETF 808524870 208 3,322 SH   SOLE   0 0 3,322
SELECT SECTOR SPDR TR ENERGY 81369Y506 492 9,130 SH   SOLE   0 0 9,130
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,728 47,061 SH   SOLE   0 0 47,061
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 14,846 403,526 SH   SOLE   0 0 403,526
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,544 165,804 SH   SOLE   0 0 165,804
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 379 9,811 SH   SOLE   0 0 9,811
SPDR SER TR DJ REIT ETF 78464A607 277 2,637 SH   SOLE   0 0 2,637
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,722 54,916 SH   SOLE   0 0 54,916
SPDR SER TR PORTFOLI S&P1500 78464A805 1,034 19,525 SH   SOLE   0 0 19,525
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,325 44,164 SH   SOLE   0 0 44,164
SPDR SER TR PORTFOLIO S&P500 78464A854 26,793 532,344 SH   SOLE   0 0 532,344
SPDR SER TR PORTFOLIO S&P600 78468R853 5,734 130,501 SH   SOLE   0 0 130,501
SPDR SER TR PORTFOLIO SHORT 78464A474 9,038 288,749 SH   SOLE   0 0 288,749
SPDR SER TR PRTFLO S&P500 GW 78464A409 19,889 315,841 SH   SOLE   0 0 315,841
SPDR SER TR PRTFLO S&P500 VL 78464A508 20,927 529,255 SH   SOLE   0 0 529,255
SPDR SER TR S&P 600 SMCP VAL 78464A300 10,081 117,618 SH   SOLE   0 0 117,618
SPDR SER TR SPDR BLOOMBERG 78468R663 1,251 13,672 SH   SOLE   0 0 13,672
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 109 11,000 SH   SOLE   0 0 11,000
THERAPEUTICSMD INC COM 88338N107 23 19,603 SH   SOLE   0 0 19,603
UNITED PARCEL SERVICE INC CL B 911312106 2,394 11,509 SH   SOLE   0 0 11,509
UNITEDHEALTH GROUP INC COM 91324P102 211 528 SH   SOLE   0 0 528
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,415 13,242 SH   SOLE   0 0 13,242
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,616 68,353 SH   SOLE   0 0 68,353
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,636 88,908 SH   SOLE   0 0 88,908
VANGUARD INDEX FDS GROWTH ETF 922908736 20,000 69,734 SH   SOLE   0 0 69,734
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,196 40,826 SH   SOLE   0 0 40,826
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,779 125,542 SH   SOLE   0 0 125,542
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,037 2,635 SH   SOLE   0 0 2,635
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,844 16,376 SH   SOLE   0 0 16,376
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,394 19,503 SH   SOLE   0 0 19,503
VANGUARD INDEX FDS SML CP GRW ETF 922908595 322 1,111 SH   SOLE   0 0 1,111
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,612 20,699 SH   SOLE   0 0 20,699
VANGUARD INDEX FDS VALUE ETF 922908744 12,073 87,829 SH   SOLE   0 0 87,829
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 710 11,205 SH   SOLE   0 0 11,205
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,692 123,212 SH   SOLE   0 0 123,212
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 966 7,077 SH   SOLE   0 0 7,077
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,728 81,016 SH   SOLE   0 0 81,016
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 343 3,308 SH   SOLE   0 0 3,308
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,008 114,638 SH   SOLE   0 0 114,638
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,611 29,134 SH   SOLE   0 0 29,134
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,981 84,404 SH   SOLE   0 0 84,404
VANGUARD STAR FDS VG TL INTL STK F 921909768 351 5,351 SH   SOLE   0 0 5,351
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 11,871 230,414 SH   SOLE   0 0 230,414
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 258 2,464 SH   SOLE   0 0 2,464
VERIZON COMMUNICATIONS INC COM 92343V104 266 4,742 SH   SOLE   0 0 4,742