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 A 02079K305 203 2,127 SH   SOLE   0 0 2,127
ALPHABET INC CAP STK CL C 02079K107 214 2,230 SH   SOLE   0 0 2,230
AMAZON COM INC COM 023135106 356 3,148 SH   SOLE   0 0 3,148
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,193 18,034 SH   SOLE   0 0 18,034
APPLE INC COM 037833100 1,311 9,488 SH   SOLE   0 0 9,488
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,480 5,542 SH   SOLE   0 0 5,542
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 10,407 223,711 SH   SOLE   0 0 223,711
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 4,800 162,113 SH   SOLE   0 0 162,113
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 784 30,423 SH   SOLE   0 0 30,423
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 5,819 149,313 SH   SOLE   0 0 149,313
ISHARES INC CORE MSCI EMKT 46434G103 4,198 97,674 SH   SOLE   0 0 97,674
ISHARES TR RUSSELL 3000 ETF 464287689 3,158 15,253 SH   SOLE   0 0 15,253
ISHARES TR 1 3 YR TREAS BD 464287457 451 5,555 SH   SOLE   0 0 5,555
ISHARES TR CORE S&P US VLU 464287663 9,572 152,883 SH   SOLE   0 0 152,883
ISHARES TR RUS 1000 VAL ETF 464287598 520 3,825 SH   SOLE   0 0 3,825
ISHARES TR TIPS BD ETF 464287176 12,425 118,449 SH   SOLE   0 0 118,449
ISHARES TR RUS 2000 VAL ETF 464287630 586 4,542 SH   SOLE   0 0 4,542
ISHARES TR SP SMCP600VL ETF 464287879 3,933 47,706 SH   SOLE   0 0 47,706
ISHARES TR CORE S&P SCP ETF 464287804 14,790 169,625 SH   SOLE   0 0 169,625
ISHARES TR MSCI USA QLT FCT 46432F339 4,366 42,006 SH   SOLE   0 0 42,006
ISHARES TR SHRT NAT MUN ETF 464288158 40,848 397,897 SH   SOLE   0 0 397,897
ISHARES TR NATIONAL MUN ETF 464288414 6,365 62,054 SH   SOLE   0 0 62,054
ISHARES TR RUSSELL 2000 ETF 464287655 664 4,028 SH   SOLE   0 0 4,028
ISHARES TR CORE S&P MCP ETF 464287507 54,737 249,643 SH   SOLE   0 0 249,643
ISHARES TR RUS MID CAP ETF 464287499 266 4,278 SH   SOLE   0 0 4,278
ISHARES TR S&P 500 VAL ETF 464287408 17,096 133,020 SH   SOLE   0 0 133,020
ISHARES TR CORE 1 5 YR USD 46432F859 6,992 151,668 SH   SOLE   0 0 151,668
ISHARES TR S&P MC 400VL ETF 464287705 11,947 132,749 SH   SOLE   0 0 132,749
ISHARES TR MSCI EAFE ETF 464287465 241 4,306 SH   SOLE   0 0 4,306
ISHARES TR ISHS 1-5YR INVS 464288646 25,285 513,079 SH   SOLE   0 0 513,079
ISHARES TR CORE US AGGBD ET 464287226 20,387 211,612 SH   SOLE   0 0 211,612
ISHARES TR CORE S&P500 ETF 464287200 9,943 27,724 SH   SOLE   0 0 27,724
JOHNSON & JOHNSON COM 478160104 210 1,287 SH   SOLE   0 0 1,287
MICROSOFT CORP COM 594918104 606 2,601 SH   SOLE   0 0 2,601
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,526 30,888 SH   SOLE   0 0 30,888
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 984 39,143 SH   SOLE   0 0 39,143
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,781 152,947 SH   SOLE   0 0 152,947
SCHWAB STRATEGIC TR US REIT ETF 808524847 728 38,930 SH   SOLE   0 0 38,930
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 426 7,632 SH   SOLE   0 0 7,632
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,556 178,422 SH   SOLE   0 0 178,422
SCHWAB STRATEGIC TR US TIPS ETF 808524870 35,496 685,242 SH   SOLE   0 0 685,242
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,868 179,549 SH   SOLE   0 0 179,549
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 712 14,757 SH   SOLE   0 0 14,757
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 260 5,119 SH   SOLE   0 0 5,119
SPDR S&P 500 ETF TR TR UNIT 78462F103 28,878 80,851 SH   SOLE   0 0 80,851
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 8,066 20,081 SH   SOLE   0 0 20,081
SPDR SER TR PRTFLO S&P500 VL 78464A508 69,143 2,004,728 SH   SOLE   0 0 2,004,728
SPDR SER TR S&P 600 SMCP VAL 78464A300 11,932 177,723 SH   SOLE   0 0 177,723
SPDR SER TR S&P 400 MDCP VAL 78464A839 30,353 524,953 SH   SOLE   0 0 524,953
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 11,873 95,644 SH   SOLE   0 0 95,644
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 10,140 73,078 SH   SOLE   0 0 73,078
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 44,480 623,575 SH   SOLE   0 0 623,575
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,735 116,746 SH   SOLE   0 0 116,746
VANGUARD INDEX FDS SMALL CP ETF 922908751 931 5,447 SH   SOLE   0 0 5,447
VANGUARD INDEX FDS MID CAP ETF 922908629 793 4,218 SH   SOLE   0 0 4,218
VANGUARD INDEX FDS VALUE ETF 922908744 4,992 40,426 SH   SOLE   0 0 40,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,940 74,088 SH   SOLE   0 0 74,088
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,595 8,889 SH   SOLE   0 0 8,889
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,063 66,212 SH   SOLE   0 0 66,212
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 72,833 221,849 SH   SOLE   0 0 221,849
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,110 28,660 SH   SOLE   0 0 28,660
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,958 108,469 SH   SOLE   0 0 108,469
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 474 6,007 SH   SOLE   0 0 6,007
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8,923 185,471 SH   SOLE   0 0 185,471
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,334 110,807 SH   SOLE   0 0 110,807
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 701 9,257 SH   SOLE   0 0 9,257
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 15,162 262,365 SH   SOLE   0 0 262,365
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 33,000 444,268 SH   SOLE   0 0 444,268
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 511 3,778 SH   SOLE   0 0 3,778
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 309 8,505 SH   SOLE   0 0 8,505
WISDOMTREE TR US LARGECAP DIVD 97717W307 224 4,046 SH   SOLE   0 0 4,046