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
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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
AG MTG INVT TR INC NOTE 6.750% 9/1 95790DAD7   98,804 100,000 PRN   SOLE   0 0 100,000
AMAZON COM INC COM 023135106   498,390 2,763 SH   SOLE   0 0 2,763
APPLE INC COM 037833100   771,131 4,497 SH   SOLE   0 0 4,497
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   227,081 540 SH   SOLE   0 0 540
COSTCO WHSL CORP NEW COM 22160K105   318,694 435 SH   SOLE   0 0 435
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   16,768,764 657,857 SH   SOLE   0 0 657,857
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   34,192,627 1,278,229 SH   SOLE   0 0 1,278,229
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   41,549,374 666,496 SH   SOLE   0 0 666,496
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   24,745,820 822,120 SH   SOLE   0 0 822,120
ELI LILLY & CO COM 532457108   272,425 350 SH   SOLE   0 0 350
INVESCO QQQ TR UNIT SER 1 46090E103   746,219 1,681 SH   SOLE   0 0 1,681
ISHARES TR 0-5 YR TIPS ETF 46429B747   16,814,986 169,114 SH   SOLE   0 0 169,114
ISHARES TR 1 3 YR TREAS BD 464287457   768,078 9,392 SH   SOLE   0 0 9,392
ISHARES TR 7-10 YR TRSY BD 464287440   4,276,171 45,174 SH   SOLE   0 0 45,174
ISHARES TR CORE S&P500 ETF 464287200   206,086 392 SH   SOLE   0 0 392
ISHARES TR CORE US AGGBD ET 464287226   307,630 3,141 SH   SOLE   0 0 3,141
ISHARES TR ESG AWARE MSCI 46435U663   271,178 6,734 SH   SOLE   0 0 6,734
ISHARES TR MSCI EAFE ETF 464287465   1,295,649 16,224 SH   SOLE   0 0 16,224
ISHARES TR MSCI EMG MKT ETF 464287234   426,657 10,386 SH   SOLE   0 0 10,386
ISHARES TR RUS 1000 ETF 464287622   1,431,797 4,971 SH   SOLE   0 0 4,971
ISHARES TR RUS 2000 GRW ETF 464287648   900,430 3,325 SH   SOLE   0 0 3,325
ISHARES TR RUS 2000 VAL ETF 464287630   1,473,958 9,281 SH   SOLE   0 0 9,281
ISHARES TR RUSSELL 2000 ETF 464287655   5,697,395 27,092 SH   SOLE   0 0 27,092
ISHARES TR S&P 500 GRWT ETF 464287309   4,375,190 51,814 SH   SOLE   0 0 51,814
ISHARES TR S&P 500 VAL ETF 464287408   3,784,694 20,260 SH   SOLE   0 0 20,260
ISHARES TR S&P MC 400GR ETF 464287606   2,592,077 28,406 SH   SOLE   0 0 28,406
ISHARES TR S&P MC 400VL ETF 464287705   2,008,949 16,983 SH   SOLE   0 0 16,983
KAMAN CORP NOTE 3.250% 5/0 483548AF0   29,864 30,000 PRN   SOLE   0 0 30,000
MICROSOFT CORP COM 594918104   1,473,396 3,502 SH   SOLE   0 0 3,502
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   330,474 7,946 SH   SOLE   0 0 7,946
NUSHARES ETF TR NUVEEN ESG US 67092P870   224,731 10,229 SH   SOLE   0 0 10,229
PENNYMAC CORP NOTE 5.500%11/0 70932AAD5   29,654 30,000 PRN   SOLE   0 0 30,000
PENNYMAC CORP NOTE 5.500% 3/1 70932AAF0   14,167 15,000 PRN   SOLE   0 0 15,000
PROCTER AND GAMBLE CO COM 742718109   250,042 1,541 SH   SOLE   0 0 1,541
REDWOOD TRUST INC NOTE 7.750% 6/1 758075AF2   19,247 20,000 PRN   SOLE   0 0 20,000
REDWOOD TRUST INC NOTE 5.625% 7/1 758075AD7   49,578 50,000 PRN   SOLE   0 0 50,000
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   315,678 6,411 SH   SOLE   0 0 6,411
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   537,682 6,603 SH   SOLE   0 0 6,603
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,418,044 38,963 SH   SOLE   0 0 38,963
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,340,316 23,592 SH   SOLE   0 0 23,592
STARBUCKS CORP COM 855244109   482,273 5,277 SH   SOLE   0 0 5,277
TWO HARBORS INVENTMENT CORPO NOTE 6.250% 1/1 90187BAB7   71,279 75,000 PRN   SOLE   0 0 75,000
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   445,147 4,321 SH   SOLE   0 0 4,321
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   15,026,137 165,486 SH   SOLE   0 0 165,486
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   16,253,736 53,342 SH   SOLE   0 0 53,342
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   954,224 9,401 SH   SOLE   0 0 9,401
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   16,022,310 141,228 SH   SOLE   0 0 141,228
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   42,996,516 238,247 SH   SOLE   0 0 238,247
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   752,521 10,404 SH   SOLE   0 0 10,404
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   30,596,785 421,269 SH   SOLE   0 0 421,269
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   76,005,353 158,114 SH   SOLE   0 0 158,114
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   686,127 16,426 SH   SOLE   0 0 16,426
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   725,817 8,533 SH   SOLE   0 0 8,533
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,666,373 150,904 SH   SOLE   0 0 150,904
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   410,512 2,936 SH   SOLE   0 0 2,936
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   997,329 19,879 SH   SOLE   0 0 19,879
WALMART INC COM 931142103   319,021 5,302 SH   SOLE   0 0 5,302