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
ADOBE SYSTEMS INCORPORATED COM 00724F101 272 561 SH   SOLE   0 0 561
ALPHABET INC CAP STK CL A 02079K305 230 133 SH   SOLE   0 0 133
ALPHABET INC CAP STK CL C 02079K107 292 169 SH   SOLE   0 0 169
ALTRIA GROUP INC COM 02209S103 1,379 33,775 SH   SOLE   0 0 33,775
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,744 44,061 SH   SOLE   0 0 44,061
AMERICAN CENTY ETF TR US SML CP VALU 025072877 9,445 167,726 SH   SOLE   0 0 167,726
APPLE INC COM 037833100 2,805 21,676 SH   SOLE   0 0 21,676
FLEXSHARES TR HIG YLD VL ETF 33939L662 6,804 138,826 SH   SOLE   0 0 138,826
FLEXSHARES TR INTL QLTDV IDX 33939L837 8,724 359,889 SH   SOLE   0 0 359,889
FLEXSHARES TR QUALT DIVD IDX 33939L860 8,444 172,897 SH   SOLE   0 0 172,897
FLEXSHARES TR READY ACC VARI 33939L886 7,455 97,761 SH   SOLE   0 0 97,761
HOME DEPOT INC COM 437076102 236 893 SH   SOLE   0 0 893
ISHARES INC CORE MSCI EMKT 46434G103 859 13,739 SH   SOLE   0 0 13,739
ISHARES TR CORE 1 5 YR USD 46432F859 2,084 40,336 SH   SOLE   0 0 40,336
ISHARES TR CORE S&P MCP ETF 464287507 1,494 6,602 SH   SOLE   0 0 6,602
ISHARES TR CORE S&P SCP ETF 464287804 2,089 22,946 SH   SOLE   0 0 22,946
ISHARES TR CORE S&P500 ETF 464287200 4,746 12,821 SH   SOLE   0 0 12,821
ISHARES TR RUS 1000 GRW ETF 464287614 7,135 30,010 SH   SOLE   0 0 30,010
ISHARES TR RUS 1000 VAL ETF 464287598 2,415 17,906 SH   SOLE   0 0 17,906
ISHARES TR S&P 500 GRWT ETF 464287309 5,312 84,499 SH   SOLE   0 0 84,499
ISHARES TR S&P 500 VAL ETF 464287408 1,334 10,559 SH   SOLE   0 0 10,559
JOHNSON & JOHNSON COM 478160104 274 1,749 SH   SOLE   0 0 1,749
KRAFT HEINZ CO COM 500754106 264 7,698 SH   SOLE   0 0 7,698
MICROSOFT CORP COM 594918104 733 3,366 SH   SOLE   0 0 3,366
MONDELEZ INTL INC CL A 609207105 1,360 23,484 SH   SOLE   0 0 23,484
ORACLE CORP COM 68389X105 253 3,964 SH   SOLE   0 0 3,964
PHILIP MORRIS INTL INC COM 718172109 2,769 33,979 SH   SOLE   0 0 33,979
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,600 17,817 SH   SOLE   0 0 17,817
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 338 3,848 SH   SOLE   0 0 3,848
SPDR SER TR PRTFLO S&P500 GW 78464A409 19,618 359,969 SH   SOLE   0 0 359,969
SPDR SER TR PRTFLO S&P500 VL 78464A508 8,084 238,336 SH   SOLE   0 0 238,336
SPDR SER TR S&P 600 SMCP VAL 78464A300 635 9,706 SH   SOLE   0 0 9,706
STARBUCKS CORP COM 855244109 313 3,037 SH   SOLE   0 0 3,037
SVB FINANCIAL GROUP COM 78486Q101 993 2,564 SH   SOLE   0 0 2,564
UNITEDHEALTH GROUP INC COM 91324P102 446 1,275 SH   SOLE   0 0 1,275
VANGUARD INDEX FDS GROWTH ETF 922908736 5,265 21,089 SH   SOLE   0 0 21,089
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 215 4,276 SH   SOLE   0 0 4,276
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 423 5,083 SH   SOLE   0 0 5,083
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 8,351 101,898 SH   SOLE   0 0 101,898
VISA INC COM CL A 92826C839 248 1,137 SH   SOLE   0 0 1,137
YUM CHINA HLDGS INC COM 98850P109 235 4,127 SH   SOLE   0 0 4,127