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
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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 A 02079K305   225,924 2,178 SH   SOLE   0 0 2,178
AMAZON COM INC COM 023135106   405,413 3,925 SH   SOLE   0 0 3,925
APPLE INC COM 037833100   928,401 5,630 SH   SOLE   0 0 5,630
BLACKROCK MUNICIPAL INCOME COM 09253X102   173,693 14,871 SH   SOLE   0 0 14,871
CHEVRON CORP NEW COM 166764100   218,961 1,342 SH   SOLE   0 0 1,342
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,795,066 70,450 SH   SOLE   0 0 70,450
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   24,452,166 907,316 SH   SOLE   0 0 907,316
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,633,017 70,816 SH   SOLE   0 0 70,816
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   79,917,047 2,777,791 SH   SOLE   0 0 2,777,791
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   18,620,855 808,899 SH   SOLE   0 0 808,899
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,190,859 12,001 SH   SOLE   0 0 12,001
ISHARES TR AGGRES ALLOC ETF 464289859   226,826 3,567 SH   SOLE   0 0 3,567
ISHARES TR NATIONAL MUN ETF 464288414   7,521,222 69,809 SH   SOLE   0 0 69,809
ISHARES TR IBOXX INV CP ETF 464287242   435,590 3,974 SH   SOLE   0 0 3,974
ISHARES TR RUSSELL 3000 ETF 464287689   4,551,182 19,333 SH   SOLE   0 0 19,333
ISHARES TR CORE US AGGBD ET 464287226   8,419,181 84,496 SH   SOLE   0 0 84,496
ISHARES TR TRS FLT RT BD 46434V860   4,105,733 81,157 SH   SOLE   0 0 81,157
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,147,618 12,524 SH   SOLE   0 0 12,524
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   433,521 9,060 SH   SOLE   0 0 9,060
SPDR GOLD TR GOLD SHS 78463V107   274,830 1,500 SH   SOLE   0 0 1,500
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   740,798 17,998 SH   SOLE   0 0 17,998
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,068,584 220,068 SH   SOLE   0 0 220,068
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,440,893 130,117 SH   SOLE   0 0 130,117
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   203,534 444 SH   SOLE   0 0 444
SPDR SER TR PORTFOLI S&P1500 78464A805   19,771,485 392,058 SH   SOLE   0 0 392,058
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,280,521 165,976 SH   SOLE   0 0 165,976
SPDR SER TR NUVEEN BLMBRG MU 78468R721   6,550,914 139,917 SH   SOLE   0 0 139,917
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,797,224 100,888 SH   SOLE   0 0 100,888
SPDR SER TR PORTFLI TIPS ETF 78464A656   4,669,037 175,067 SH   SOLE   0 0 175,067
SPDR SER TR PORTFOLIO INTRMD 78464A375   4,996,767 153,794 SH   SOLE   0 0 153,794
TESLA INC COM 88160R101   630,886 3,041 SH   SOLE   0 0 3,041
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   2,489,909 53,581 SH   SOLE   0 0 53,581
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,109,854 40,657 SH   SOLE   0 0 40,657
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,652,602 8,097 SH   SOLE   0 0 8,097
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,620,199 31,553 SH   SOLE   0 0 31,553
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,040,289 25,750 SH   SOLE   0 0 25,750
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,524,885 55,897 SH   SOLE   0 0 55,897
WARBY PARKER INC CL A COM 93403J106   85,125 16,056 SH   SOLE   0 0 16,056
WESTERN ASSET INTER MUNI FD COM 958435109   155,597 39,320 SH   SOLE   0 0 39,320