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 234 107 SH   SOLE 0 0 0 107
ALPHABET INC CAP STK CL C 02079K107 315 144 SH   SOLE 0 0 0 144
AMAZON COM INC COM 023135106 3,237 30,475 SH   SOLE 0 0 0 30,475
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,543 37,204 SH   SOLE 0 0 0 37,204
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,612 55,540 SH   SOLE 0 0 0 55,540
APPLE INC COM 037833100 12,724 93,067 SH   SOLE 0 0 0 93,067
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 327 1,199 SH   SOLE 0 0 0 1,199
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   SOLE 0 0 0 1
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 218 5,420 SH   SOLE 0 0 0 5,420
INVESCO QQQ TR UNIT SER 1 46090E103 257 916 SH   SOLE 0 0 0 916
ISHARES GOLD TR ISHARES NEW 464285204 211 6,146 SH   SOLE 0 0 0 6,146
ISHARES INC CORE MSCI EMKT 46434G103 2,412 49,172 SH   SOLE 0 0 0 49,172
ISHARES TR IBOXX INV CP ETF 464287242 37,492 340,746 SH   SOLE 0 0 0 340,746
ISHARES TR CORE INTL AGGR 46435G672 1,013 20,328 SH   SOLE 0 0 0 20,328
ISHARES TR RUSSELL 3000 ETF 464287689 412 1,894 SH   SOLE 0 0 0 1,894
ISHARES TR CORE DIV GRWTH 46434V621 2,682 56,300 SH   SOLE 0 0 0 56,300
ISHARES TR CORE S&P SCP ETF 464287804 221 2,387 SH   SOLE 0 0 0 2,387
ISHARES TR RUS 2000 VAL ETF 464287630 97,407 715,436 SH   SOLE 0 0 0 715,436
ISHARES TR ESG AW MSCI EAFE 46435G516 202 3,224 SH   SOLE 0 0 0 3,224
ISHARES TR NATIONAL MUN ETF 464288414 3,667 34,476 SH   SOLE 0 0 0 34,476
ISHARES TR ESG AWR MSCI USA 46435G425 245 2,915 SH   SOLE 0 0 0 2,915
ISHARES TR CORE US AGGBD ET 464287226 11,206 110,211 SH   SOLE 0 0 0 110,211
ISHARES TR CORE S&P TTL STK 464287150 10,873 129,781 SH   SOLE 0 0 0 129,781
ISHARES TR CORE MSCI EAFE 46432F842 8,905 151,319 SH   SOLE 0 0 0 151,319
ISHARES TR RUSSELL 2000 ETF 464287655 233 1,379 SH   SOLE 0 0 0 1,379
ISHARES TR S&P 500 GRWT ETF 464287309 238 3,941 SH   SOLE 0 0 0 3,941
ISHARES TR CORE S&P MCP ETF 464287507 382 1,688 SH   SOLE 0 0 0 1,688
ISHARES TR CORE S&P500 ETF 464287200 1,895 4,997 SH   SOLE 0 0 0 4,997
LILLY ELI & CO COM 532457108 703 2,169 SH   SOLE 0 0 0 2,169
MICROSOFT CORP COM 594918104 892 3,475 SH   SOLE 0 0 0 3,475
NVIDIA CORPORATION COM 67066G104 222 1,467 SH   SOLE 0 0 0 1,467
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 523 11,711 SH   SOLE 0 0 0 11,711
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,244 17,372 SH   SOLE 0 0 0 17,372
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,923 92,928 SH   SOLE 0 0 0 92,928
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 203 3,507 SH   SOLE 0 0 0 3,507
SCHWAB STRATEGIC TR US REIT ETF 808524847 397 18,816 SH   SOLE 0 0 0 18,816
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 935 36,830 SH   SOLE 0 0 0 36,830
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 363 9,315 SH   SOLE 0 0 0 9,315
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,099 85,619 SH   SOLE 0 0 0 85,619
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,535 102,615 SH   SOLE 0 0 0 102,615
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,023 312,878 SH   SOLE 0 0 0 312,878
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,424 98,468 SH   SOLE 0 0 0 98,468
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,055 2,796 SH   SOLE 0 0 0 2,796
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,466 34,057 SH   SOLE 0 0 0 34,057
SPDR SER TR PRTFLO S&P500 VL 78464A508 443 12,023 SH   SOLE 0 0 0 12,023
SPDR SER TR PORTFOLI S&P1500 78464A805 11,918 256,408 SH   SOLE 0 0 0 256,408
SPDR SER TR NUVEEN BLMBRG MU 78468R721 2,480 54,079 SH   SOLE 0 0 0 54,079
SPDR SER TR PORTFOLIO AGRGTE 78464A649 9,023 342,422 SH   SOLE 0 0 0 342,422
SPDR SER TR PORTFOLIO S&P500 78464A854 2,534 57,141 SH   SOLE 0 0 0 57,141
TESLA INC COM 88160R101 395 586 SH   SOLE 0 0 0 586
TWILIO INC CL A 90138F102 921 10,994 SH   SOLE 0 0 0 10,994
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 176,254 2,341,930 SH   SOLE 0 0 0 2,341,930
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,336 26,971 SH   SOLE 0 0 0 26,971
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,467 9,789 SH   SOLE 0 0 0 9,789
VANGUARD INDEX FDS TOTAL STK MKT 922908769 190,502 1,009,975 SH   SOLE 0 0 0 1,009,975
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 67,460 520,849 SH   SOLE 0 0 0 520,849
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,060 3,057 SH   SOLE 0 0 0 3,057
VANGUARD INDEX FDS VALUE ETF 922908744 104,868 795,174 SH   SOLE 0 0 0 795,174
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,873 20,563 SH   SOLE 0 0 0 20,563
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 66,541 1,597,631 SH   SOLE 0 0 0 1,597,631
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 69,938 1,400,997 SH   SOLE 0 0 0 1,400,997
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 397 2,770 SH   SOLE 0 0 0 2,770
VANGUARD STAR FDS VG TL INTL STK F 921909768 437 8,468 SH   SOLE 0 0 0 8,468
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 178,024 4,363,335 SH   SOLE 0 0 0 4,363,335
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,407 23,672 SH   SOLE 0 0 0 23,672
VANGUARD WORLD FD ESG INTL STK ETF 921910725 6,914 140,979 SH   SOLE 0 0 0 140,979
VANGUARD WORLD FD ESG US STK ETF 921910733 12,832 193,258 SH   SOLE 0 0 0 193,258