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
VISA INC COM CL A 92826C839 224 1,137 SH   SOLE   0 0 1,137
ISHARES INC CORE MSCI EMKT 46434G103 703 13,635 SH   SOLE   0 0 13,635
ORACLE CORP COM 68389X105 221 3,964 SH   SOLE   0 0 3,964
SVB FINANCIAL GROUP COM 78486Q101 577 2,564 SH   SOLE   0 0 2,564
ISHARES TR CORE S&P500 ETF 464287200 4,197 12,946 SH   SOLE   0 0 12,946
FLEXSHARES TR HIG YLD VL ETF 33939L662 6,052 130,560 SH   SOLE   0 0 130,560
ISHARES TR RUS 1000 GRW ETF 464287614 6,306 31,454 SH   SOLE   0 0 31,454
FLEXSHARES TR INTL QLTDV IDX 33939L837 7,043 335,528 SH   SOLE   0 0 335,528
ALPHABET INC CAP STK CL C 02079K107 256 169 SH   SOLE   0 0 169
AMERICAN CENTY ETF TR US SML CP VALU 025072877 6,297 148,363 SH   SOLE   0 0 148,363
ISHARES TR S&P 500 GRWT ETF 464287309 4,468 20,622 SH   SOLE   0 0 20,622
FLEXSHARES TR QUALT DIVD IDX 33939L860 7,016 159,094 SH   SOLE   0 0 159,094
ISHARES TR CORE S&P SCP ETF 464287804 1,675 23,519 SH   SOLE   0 0 23,519
HOME DEPOT INC COM 437076102 234 887 SH   SOLE   0 0 887
YUM CHINA HLDGS INC COM 98850P109 218 4,152 SH   SOLE   0 0 4,152
SPDR SER TR PRTFLO S&P500 GW 78464A409 16,832 358,822 SH   SOLE   0 0 358,822
ALPHABET INC CAP STK CL A 02079K305 202 133 SH   SOLE   0 0 133
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 5,061 71,614 SH   SOLE   0 0 71,614
SPDR SER TR PRTFLO S&P500 VL 78464A508 6,180 203,284 SH   SOLE   0 0 203,284
STARBUCKS CORP COM 855244109 228 3,022 SH   SOLE   0 0 3,022
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 282 4,135 SH   SOLE   0 0 4,135
MICROSOFT CORP COM 594918104 677 3,344 SH   SOLE   0 0 3,344
APPLE INC COM 037833100 2,006 5,402 SH   SOLE   0 0 5,402
VANGUARD INDEX FDS GROWTH ETF 922908736 4,727 22,383 SH   SOLE   0 0 22,383
ISHARES TR RUS 1000 VAL ETF 464287598 2,239 18,903 SH   SOLE   0 0 18,903
ISHARES TR S&P 500 VAL ETF 464287408 1,194 10,532 SH   SOLE   0 0 10,532
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,943 38,292 SH   SOLE   0 0 38,292
ISHARES TR CORE S&P MCP ETF 464287507 1,239 6,659 SH   SOLE   0 0 6,659
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,422 18,302 SH   SOLE   0 0 18,302
SPDR SER TR S&P 600 SMCP VAL 78464A300 505 9,894 SH   SOLE   0 0 9,894
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 420 5,072 SH   SOLE   0 0 5,072
FLEXSHARES TR READY ACC VARI 33939L886 7,484 98,047 SH   SOLE   0 0 98,047
ISHARES TR CORE 1 5 YR USD 46432F859 1,934 37,474 SH   SOLE   0 0 37,474
ADOBE INC COM 00724F101 242 561 SH   SOLE   0 0 561
UNITEDHEALTH GROUP INC COM 91324P102 426 1,405 SH   SOLE   0 0 1,405
JOHNSON & JOHNSON COM 478160104 243 1,623 SH   SOLE   0 0 1,623