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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
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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   268,764 1,924 SH   SOLE   0 0 1,924
AMAZON COM INC COM 023135106   536,500 3,531 SH   SOLE   0 0 3,531
APPLE INC COM 037833100   1,062,989 5,521 SH   SOLE   0 0 5,521
BLACKROCK MUNICIPAL INCOME COM 09253X102   173,098 14,871 SH   SOLE   0 0 14,871
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,671,927 57,199 SH   SOLE   0 0 57,199
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,643,588 67,305 SH   SOLE   0 0 67,305
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   104,566,283 3,144,851 SH   SOLE   0 0 3,144,851
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   29,519,563 1,030,711 SH   SOLE   0 0 1,030,711
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   23,298,361 966,336 SH   SOLE   0 0 966,336
ISHARES TR CORE US AGGBD ET 464287226   9,683,128 97,563 SH   SOLE   0 0 97,563
ISHARES TR AGGRES ALLOC ETF 464289859   315,420 4,568 SH   SOLE   0 0 4,568
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,170,855 11,876 SH   SOLE   0 0 11,876
ISHARES TR RUSSELL 3000 ETF 464287689   4,197,529 15,334 SH   SOLE   0 0 15,334
ISHARES TR GRWT ALLOCAT ETF 464289867   206,856 3,889 SH   SOLE   0 0 3,889
ISHARES TR IBOXX INV CP ETF 464287242   333,640 3,015 SH   SOLE   0 0 3,015
ISHARES TR TRS FLT RT BD 46434V860   5,623,302 111,419 SH   SOLE   0 0 111,419
ISHARES TR NATIONAL MUN ETF 464288414   7,951,765 73,349 SH   SOLE   0 0 73,349
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,173,223 12,604 SH   SOLE   0 0 12,604
NVIDIA CORPORATION COM 67066G104   222,849 450 SH   SOLE   0 0 450
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   494,906 8,890 SH   SOLE   0 0 8,890
SPDR GOLD TR GOLD SHS 78463V107   287,520 1,504 SH   SOLE   0 0 1,504
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   634,145 14,508 SH   SOLE   0 0 14,508
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,404,178 188,303 SH   SOLE   0 0 188,303
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,874,555 109,420 SH   SOLE   0 0 109,420
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   225,277 444 SH   SOLE   0 0 444
SPDR SER TR PORTFLI TIPS ETF 78464A656   4,816,600 188,369 SH   SOLE   0 0 188,369
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,929,935 153,274 SH   SOLE   0 0 153,274
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,469,608 93,526 SH   SOLE   0 0 93,526
SPDR SER TR PORTFOLIO INTRMD 78464A375   5,215,932 158,877 SH   SOLE   0 0 158,877
SPDR SER TR NUVEEN BLMBRG MU 78468R721   5,216,953 110,999 SH   SOLE   0 0 110,999
SPDR SER TR PORTFOLI S&P1500 78464A805   20,183,533 345,313 SH   SOLE   0 0 345,313
TESLA INC COM 88160R101   767,803 3,090 SH   SOLE   0 0 3,090
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   1,987,723 42,265 SH   SOLE   0 0 42,265
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,199,257 41,538 SH   SOLE   0 0 41,538
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   478,296 1,095 SH   SOLE   0 0 1,095
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,738,870 7,330 SH   SOLE   0 0 7,330
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,362,965 26,742 SH   SOLE   0 0 26,742
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   770,687 18,752 SH   SOLE   0 0 18,752
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,148,860 44,861 SH   SOLE   0 0 44,861
WESTERN ASSET INTER MUNI FD COM 958435109   151,382 19,660 SH   SOLE   0 0 19,660