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
AMAZON COM INC COM 023135106 310 2,747 SH   SOLE None 0 0 2,747
APPLE INC COM 037833100 626 4,529 SH   SOLE None 0 0 4,529
BLACKROCK MUNICIPAL INCOME COM 09253X102 161 14,871 SH   SOLE None 0 0 14,871
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 41,095 1,634,010 SH   SOLE None 0 0 1,634,010
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 11,582 536,968 SH   SOLE None 0 0 536,968
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 7,826 389,544 SH   SOLE None 0 0 389,544
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,578 70,964 SH   SOLE None 0 0 70,964
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,551 82,103 SH   SOLE None 0 0 82,103
ISHARES TR CORE US AGGBD ET 464287226 6,253 64,909 SH   SOLE None 0 0 64,909
ISHARES TR IBOXX INV CP ETF 464287242 396 3,864 SH   SOLE None 0 0 3,864
ISHARES TR RUSSELL 3000 ETF 464287689 4,208 20,324 SH   SOLE None 0 0 20,324
ISHARES TR NATIONAL MUN ETF 464288414 6,383 62,228 SH   SOLE None 0 0 62,228
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,147 11,933 SH   SOLE None 0 0 11,933
ISHARES TR TRS FLT RT BD 46434V860 2,985 59,116 SH   SOLE None 0 0 59,116
ISHARES U S ETF TR INT RT HDG C B 46431W705 1,111 12,524 SH   SOLE None 0 0 12,524
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 380 9,060 SH   SOLE None 0 0 9,060
SPDR GOLD TR GOLD SHS 78463V107 232 1,500 SH   SOLE None 0 0 1,500
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,084 163,803 SH   SOLE None 0 0 163,803
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 630 16,277 SH   SOLE None 0 0 16,277
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,055 312,213 SH   SOLE None 0 0 312,213
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,995 127,556 SH   SOLE None 0 0 127,556
SPDR SER TR PORTFOLIO AGRGTE 78464A649 4,297 172,221 SH   SOLE None 0 0 172,221
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,607 142,232 SH   SOLE None 0 0 142,232
SPDR SER TR PORTFOLI S&P1500 78464A805 24,690 559,747 SH   SOLE None 0 0 559,747
SPDR SER TR NUVEEN BLMBRG MU 78468R721 6,600 150,035 SH   SOLE None 0 0 150,035
SPDR SER TR NUVEEN BLMBRG SH 78468R739 4,648 100,842 SH   SOLE None 0 0 100,842
TESLA INC COM 88160R101 375 1,413 SH   SOLE None 0 0 1,413
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 2,375 54,551 SH   SOLE None 0 0 54,551
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,006 40,175 SH   SOLE None 0 0 40,175
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,692 33,577 SH   SOLE None 0 0 33,577
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,588 31,134 SH   SOLE None 0 0 31,134
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,119 112,889 SH   SOLE None 0 0 112,889
VANGUARD TAXMANAGED FDS VAN FTSE DEV MKT 921943858 4,522 124,355 SH   SOLE None 0 0 124,355
WESTERN ASSET INTER MUNI FD COM 958435109 145 19,660 SH   SOLE None 0 0 19,660