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 245 88 SH   SOLE None 0 0 88
AMAZON COM INC COM 023135106 430 132 SH   SOLE None 0 0 132
APPLE INC COM 037833100 796 4,559 SH   SOLE None 0 0 4,559
BILL COM HLDGS INC COM 090043100 1,226 5,407 SH   SOLE None 0 0 5,407
BLACKROCK MUNIHLDS INVSTM QL COM 09254P108 194 15,845 SH   SOLE None 0 0 15,845
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 47,750 1,514,919 SH   SOLE None 0 0 1,514,919
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 10,911 387,605 SH   SOLE None 0 0 387,605
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 9,343 356,043 SH   SOLE None 0 0 356,043
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2,201 79,815 SH   SOLE None 0 0 79,815
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2,346 94,024 SH   SOLE None 0 0 94,024
ISHARES TR CORE US AGGBD ET 464287226 5,135 47,942 SH   SOLE None 0 0 47,942
ISHARES TR IBOXX INV CP ETF 464287242 481 3,980 SH   SOLE None 0 0 3,980
ISHARES TR RUSSELL 3000 ETF 464287689 5,524 21,055 SH   SOLE None 0 0 21,055
ISHARES TR NATIONAL MUN ETF 464288414 6,507 59,353 SH   SOLE None 0 0 59,353
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,286 12,259 SH   SOLE None 0 0 12,259
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,263 13,507 SH   SOLE None 0 0 13,507
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 481 9,010 SH   SOLE None 0 0 9,010
SELECT SECTOR SPDR TR ENERGY 81369Y506 265 3,468 SH   SOLE None 0 0 3,468
SPDR GOLD TR GOLD SHS 78463V107 271 1,500 SH   SOLE None 0 0 1,500
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,086 157,508 SH   SOLE None 0 0 157,508
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 934 17,291 SH   SOLE None 0 0 17,291
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 10,003 291,817 SH   SOLE None 0 0 291,817
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,965 116,114 SH   SOLE None 0 0 116,114
SPDR SER TR PORTFOLIO AGRGTE 78464A649 4,954 178,281 SH   SOLE None 0 0 178,281
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,815 126,064 SH   SOLE None 0 0 126,064
SPDR SER TR PORTFOLI S&P1500 78464A805 25,949 466,875 SH   SOLE None 0 0 466,875
SPDR SER TR NUVEEN BLMBRG MU 78468R721 8,534 178,227 SH   SOLE None 0 0 178,227
SPDR SER TR NUVEEN BLMBRG SH 78468R739 5,081 107,344 SH   SOLE None 0 0 107,344
TESLA INC COM 88160R101 508 471 SH   SOLE None 0 0 471
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 2,991 63,208 SH   SOLE None 0 0 63,208
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,325 42,685 SH   SOLE None 0 0 42,685
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,867 35,682 SH   SOLE None 0 0 35,682
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,885 12,672 SH   SOLE None 0 0 12,672
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,273 49,272 SH   SOLE None 0 0 49,272
VANGUARD TAXMANAGED INTL FD FTSE DEV MKT ETF 921943858 5,501 114,529 SH   SOLE None 0 0 114,529
WARBY PARKER INC CL A COM 93403J106 271 8,028 SH   SOLE None 0 0 8,028
WESTERN ASSET INTER MUNI FD COM 958435109 169 19,660 SH   SOLE None 0 0 19,660