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
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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   284,154 1,560 SH   SOLE   0 0 1,560
AMAZON COM INC COM 023135106   212,575 1,100 SH   SOLE   0 0 1,100
APPLE INC COM 037833100   438,300 2,081 SH   SOLE   0 0 2,081
AVALONBAY CMNTYS INC COM 053484101   3,973,322 19,205 SH   SOLE   0 0 19,205
BANK AMERICA CORP COM 060505104   1,741,227 43,782 SH   SOLE   0 0 43,782
BANK NEW YORK MELLON CORP COM 064058100   1,104,132 18,436 SH   SOLE   0 0 18,436
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,134,972 2,790 SH   SOLE   0 0 2,790
CAMDEN PPTY TR SH BEN INT 133131102   3,894,900 35,697 SH   SOLE   0 0 35,697
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   814,149 22,653 SH   SOLE   0 0 22,653
ELI LILLY & CO COM 532457108   245,358 271 SH   SOLE   0 0 271
GENERAL DYNAMICS CORP COM 369550108   211,512 729 SH   SOLE   0 0 729
INVESCO QQQ TR UNIT SER 1 46090E103   633,386 1,322 SH   SOLE   0 0 1,322
ISHARES GOLD TR ISHARES NEW 464285204   1,602,171 36,471 SH   SOLE   0 0 36,471
ISHARES INC CORE MSCI EMKT 46434G103   229,001 4,278 SH   SOLE   0 0 4,278
ISHARES INC MSCI JPN ETF NEW 46434G822   202,263 2,964 SH   SOLE   0 0 2,964
ISHARES TR CORE HIGH DV ETF 46429B663   911,232 8,383 SH   SOLE   0 0 8,383
ISHARES TR CORE TOTAL USD 46434V613   2,765,444 61,155 SH   SOLE   0 0 61,155
ISHARES TR CORE US AGGBD ET 464287226   12,775,758 131,614 SH   SOLE   0 0 131,614
ISHARES TR IBOXX INV CP ETF 464287242   2,108,443 19,683 SH   SOLE   0 0 19,683
ISHARES TR JPMORGAN USD EMG 464288281   428,243 4,840 SH   SOLE   0 0 4,840
ISHARES TR MBS ETF 464288588   3,001,453 32,692 SH   SOLE   0 0 32,692
ISHARES TR S&P MC 400VL ETF 464287705   255,739 2,254 SH   SOLE   0 0 2,254
MICROSOFT CORP COM 594918104   454,548 1,017 SH   SOLE   0 0 1,017
MID-AMER APT CMNTYS INC COM 59522J103   3,730,963 26,162 SH   SOLE   0 0 26,162
NVIDIA CORPORATION COM 67066G104   1,756,739 14,220 SH   SOLE   0 0 14,220
PEPSICO INC COM 713448108   1,015,309 6,156 SH   SOLE   0 0 6,156
PIMCO ETF TR INTER MUN BD ACT 72201R866   345,574 6,638 SH   SOLE   0 0 6,638
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   337,259 12,698 SH   SOLE   0 0 12,698
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   787,942 10,133 SH   SOLE   0 0 10,133
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,075,045 4,752 SH   SOLE   0 0 4,752
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,922,194 7,207 SH   SOLE   0 0 7,207
SPDR SER TR PORTFLI HIGH YLD 78468R606   2,635,072 113,434 SH   SOLE   0 0 113,434
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,047,620 13,074 SH   SOLE   0 0 13,074
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,842,468 58,319 SH   SOLE   0 0 58,319
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,091,244 67,983 SH   SOLE   0 0 67,983
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,176,560 67,491 SH   SOLE   0 0 67,491
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,552,606 3,104 SH   SOLE   0 0 3,104
VANGUARD INDEX FDS TOTAL STK MKT 922908769   73,874,543 276,156 SH   SOLE   0 0 276,156
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,103,494 25,217 SH   SOLE   0 0 25,217
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   746,021 11,173 SH   SOLE   0 0 11,173
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   350,355 2,982 SH   SOLE   0 0 2,982
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,605,620 51,998 SH   SOLE   0 0 51,998
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   1,384,594 16,891 SH   SOLE   0 0 16,891
VANGUARD STAR FDS VG TL INTL STK F 921909768   8,430,749 139,813 SH   SOLE   0 0 139,813
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,836,175 158,563 SH   SOLE   0 0 158,563
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   1,199,239 11,984 SH   SOLE   0 0 11,984