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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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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   204,104 1,548 SH   SOLE 0 0 0 1,548
AMERICAN CENTY ETF TR US SML CP VALU 025072877   252,012 3,233 SH   SOLE 0 0 0 3,233
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   25,450,631 439,942 SH   SOLE 0 0 0 439,942
APPLE INC COM 037833100   50,289,579 293,730 SH   SOLE 0 0 0 293,730
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   337,339 963 SH   SOLE 0 0 0 963
ILLUMINA INC COM 452327109   866,786 6,314 SH   SOLE 0 0 0 6,314
INVESCO QQQ TR UNIT SER 1 46090E103   2,274,548 6,349 SH   SOLE 0 0 0 6,349
ISHARES TR MSCI EAFE ETF 464287465   9,830,887 142,642 SH   SOLE 0 0 0 142,642
ISHARES TR RUS 1000 GRW ETF 464287614   10,838,039 40,746 SH   SOLE 0 0 0 40,746
ISHARES TR CORE S&P US VLU 464287663   234,531 3,143 SH   SOLE 0 0 0 3,143
ISHARES TR RUS MD CP GR ETF 464287481   864,993 9,469 SH   SOLE 0 0 0 9,469
ISHARES TR 1 3 YR TREAS BD 464287457   304,447 3,760 SH   SOLE 0 0 0 3,760
ISHARES TR EAFE SML CP ETF 464288273   341,587 6,049 SH   SOLE 0 0 0 6,049
ISHARES TR MSCI INTL MOMENT 46434V449   1,329,952 42,248 SH   SOLE 0 0 0 42,248
ISHARES TR MSCI USA SMCP MN 46435G433   4,197,743 127,012 SH   SOLE 0 0 0 127,012
ISHARES TR MSCI USA MIN VOL 46429B697   7,983,206 110,296 SH   SOLE 0 0 0 110,296
ISHARES TR MSCI EAFE MIN VL 46429B689   1,964,896 30,127 SH   SOLE 0 0 0 30,127
ISHARES TR CORE MSCI EAFE 46432F842   37,988,683 590,345 SH   SOLE 0 0 0 590,345
ISHARES TR CORE US AGGBD ET 464287226   246,621 2,623 SH   SOLE 0 0 0 2,623
ISHARES TR MSCI USA MMENTM 46432F396   4,790,485 34,291 SH   SOLE 0 0 0 34,291
META PLATFORMS INC CL A 30303M102   416,391 1,387 SH   SOLE 0 0 0 1,387
MICROSOFT CORP COM 594918104   914,096 2,895 SH   SOLE 0 0 0 2,895
NVIDIA CORPORATION COM 67066G104   216,625 498 SH   SOLE 0 0 0 498
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   962,175 28,333 SH   SOLE 0 0 0 28,333
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   203,002 2,792 SH   SOLE 0 0 0 2,792
SPDR S&P 500 ETF TR TR UNIT 78462F103   17,353,551 40,595 SH   SOLE 0 0 0 40,595
VANGUARD INDEX FDS TOTAL STK MKT 922908769   395,956 1,864 SH   SOLE 0 0 0 1,864
VANGUARD INDEX FDS VALUE ETF 922908744   86,992,150 630,698 SH   SOLE 0 0 0 630,698
VANGUARD INDEX FDS SM CP VAL ETF 922908611   18,572,672 116,450 SH   SOLE 0 0 0 116,450
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,062,649 10,909 SH   SOLE 0 0 0 10,909
VANGUARD INDEX FDS GROWTH ETF 922908736   31,803,058 116,790 SH   SOLE 0 0 0 116,790
VANGUARD INDEX FDS SML CP GRW ETF 922908595   20,273,601 94,657 SH   SOLE 0 0 0 94,657
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,204,361 47,376 SH   SOLE 0 0 0 47,376
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   710,495 7,625 SH   SOLE 0 0 0 7,625
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,276,619 58,062 SH   SOLE 0 0 0 58,062
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   16,803,643 355,407 SH   SOLE 0 0 0 355,407
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,431,261 112,533 SH   SOLE 0 0 0 112,533
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   236,678 4,109 SH   SOLE 0 0 0 4,109
VANGUARD WORLD FD ESG US STK ETF 921910733   1,004,714 13,357 SH   SOLE 0 0 0 13,357
VANGUARD WORLD FD ESG INTL STK ETF 921910725   385,362 7,640 SH   SOLE 0 0 0 7,640