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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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   52,722,272 701,187 SH   SOLE   0 0 701,187
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,863,418 271,208 SH   SOLE   0 0 271,208
TESLA INC COM 88160R101   217,166 1,763 SH   SOLE   0 0 1,763
SPDR SER TR S&P 400 MDCP VAL 78464A839   7,323,423 113,155 SH   SOLE   0 0 113,155
SPDR SER TR S&P 400 MDCP GRW 78464A821   4,859,291 74,369 SH   SOLE   0 0 74,369
SPDR SER TR PORTFOLIO SHORT 78464A474   3,777,504 128,574 SH   SOLE   0 0 128,574
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,920,118 52,818 SH   SOLE   0 0 52,818
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,094,039 15,145 SH   SOLE   0 0 15,145
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,627,244 39,786 SH   SOLE   0 0 39,786
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   496,749 10,653 SH   SOLE   0 0 10,653
SPDR S&P 500 ETF TR TR UNIT 78462F103   682,581 1,785 SH   SOLE   0 0 1,785
ISHARES TR CORE INTL AGGR 46435G672   1,506,336 31,679 SH   SOLE   0 0 31,679
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,147,585 54,699 SH   SOLE   0 0 54,699
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   704,401 34,386 SH   SOLE   0 0 34,386
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   1,548,954 40,411 SH   SOLE   0 0 40,411
FLEXSHARES TR MORNSTAR UPSTR 33939L407   371,410 8,544 SH   SOLE   0 0 8,544
EXXON MOBIL CORP COM 30231G102   263,297 2,387 SH   SOLE   0 0 2,387
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,511,282 36,717 SH   SOLE   0 0 36,717
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   3,128,495 126,302 SH   SOLE   0 0 126,302
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,026,691 264,036 SH   SOLE   0 0 264,036
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   7,882,175 366,442 SH   SOLE   0 0 366,442
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   12,119,066 539,584 SH   SOLE   0 0 539,584
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   4,685,187 139,940 SH   SOLE   0 0 139,940
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,666,139 37,910 SH   SOLE   0 0 37,910
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,720,030 78,361 SH   SOLE   0 0 78,361
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,458,217 58,235 SH   SOLE   0 0 58,235
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   645,427 23,887 SH   SOLE   0 0 23,887
INVESCO QQQ TR UNIT SER 1 46090E103   536,838 2,016 SH   SOLE   0 0 2,016
VANGUARD INDEX FDS SMALL CP ETF 922908751   469,299 2,557 SH   SOLE   0 0 2,557
VANGUARD INDEX FDS VALUE ETF 922908744   37,350,540 266,086 SH   SOLE   0 0 266,086
VANGUARD INDEX FDS GROWTH ETF 922908736   31,628,246 148,413 SH   SOLE   0 0 148,413
VANGUARD INDEX FDS LARGE CAP ETF 922908637   250,500 1,438 SH   SOLE   0 0 1,438
VANGUARD INDEX FDS SM CP VAL ETF 922908611   13,594,671 85,609 SH   SOLE   0 0 85,609
VANGUARD INDEX FDS SML CP GRW ETF 922908595   9,179,021 45,772 SH   SOLE   0 0 45,772
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,840,500 70,811 SH   SOLE   0 0 70,811
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   8,867,847 49,332 SH   SOLE   0 0 49,332
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   16,331,042 120,756 SH   SOLE   0 0 120,756
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   844,506 21,665 SH   SOLE   0 0 21,665
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,342,155 27,174 SH   SOLE   0 0 27,174
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   5,088,847 123,097 SH   SOLE   0 0 123,097
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,991,636 85,456 SH   SOLE   0 0 85,456
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   262,964 2,430 SH   SOLE   0 0 2,430
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   588,961 14,033 SH   SOLE   0 0 14,033
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,076,892 56,750 SH   SOLE   0 0 56,750
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   414,315 2,728 SH   SOLE   0 0 2,728
URANIUM ENERGY CORP COM 916896103   38,800 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   33,200,050 727,274 SH   SOLE   0 0 727,274
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   281,844 4,296 SH   SOLE   0 0 4,296
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   9,324,352 141,235 SH   SOLE   0 0 141,235
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,345,380 132,206 SH   SOLE   0 0 132,206
PROCTER AND GAMBLE CO COM 742718109   3,200,141 21,115 SH   SOLE   0 0 21,115
JOHNSON & JOHNSON COM 478160104   217,986 1,234 SH   SOLE   0 0 1,234
ISHARES TR EAFE GRWTH ETF 464288885   1,344,683 16,054 SH   SOLE   0 0 16,054
ISHARES TR EAFE VALUE ETF 464288877   406,296 8,856 SH   SOLE   0 0 8,856
ISHARES TR ISHS 1-5YR INVS 464288646   11,478,428 230,398 SH   SOLE   0 0 230,398
ISHARES TR GLB INFRASTR ETF 464288372   3,465,240 75,594 SH   SOLE   0 0 75,594
ISHARES TR EAFE SML CP ETF 464288273   3,744,353 66,295 SH   SOLE   0 0 66,295
ISHARES TR GL CLEAN ENE ETF 464288224   16,768,711 844,771 SH   SOLE   0 0 844,771
ISHARES TR S&P SML 600 GWT 464287887   492,224 4,555 SH   SOLE   0 0 4,555
ISHARES TR CORE S&P SCP ETF 464287804   655,321 6,924 SH   SOLE   0 0 6,924
ISHARES TR S&P MC 400VL ETF 464287705   566,416 5,619 SH   SOLE   0 0 5,619
ISHARES TR RUS 2000 GRW ETF 464287648   1,438,243 6,704 SH   SOLE   0 0 6,704
ISHARES TR RUS 2000 VAL ETF 464287630   397,372 2,866 SH   SOLE   0 0 2,866
ISHARES TR RUS 1000 GRW ETF 464287614   2,388,113 11,147 SH   SOLE   0 0 11,147
ISHARES TR S&P MC 400GR ETF 464287606   321,482 4,707 SH   SOLE   0 0 4,707
ISHARES TR RUS MD CP GR ETF 464287481   460,665 5,510 SH   SOLE   0 0 5,510
ISHARES TR RUS MDCP VAL ETF 464287473   534,927 5,078 SH   SOLE   0 0 5,078
ISHARES TR S&P 500 VAL ETF 464287408   1,963,797 13,537 SH   SOLE   0 0 13,537
ISHARES TR S&P 500 GRWT ETF 464287309   4,330,219 74,021 SH   SOLE   0 0 74,021
ISHARES TR CORE US AGGBD ET 464287226   1,331,683 13,730 SH   SOLE   0 0 13,730
HUMANA INC COM 444859102   262,753 513 SH   SOLE   0 0 513
CHEVRON CORP NEW COM 166764100   928,700 5,174 SH   SOLE   0 0 5,174
BRISTOL-MYERS SQUIBB CO COM 110122108   219,735 3,054 SH   SOLE   0 0 3,054
APPLE INC COM 037833100   821,801 6,325 SH   SOLE   0 0 6,325
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,345,278 18,055 SH   SOLE   0 0 18,055
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   7,598,375 150,612 SH   SOLE   0 0 150,612
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   3,370,301 74,713 SH   SOLE   0 0 74,713
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   3,737,342 74,464 SH   SOLE   0 0 74,464
ALMADEN MINERALS LTD COM CL B 020283305   9,772 40,000 SH   SOLE   0 0 40,000