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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   602,028 31,904 SH   SOLE 0 0 0 31,904
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,974,764 56,244 SH   SOLE 0 0 0 56,244
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   1,056,516 25,483 SH   SOLE 0 0 0 25,483
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,810,782 82,264 SH   SOLE 0 0 0 82,264
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   42,500,158 879,647 SH   SOLE 0 0 0 879,647
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   31,968,537 1,386,320 SH   SOLE 0 0 0 1,386,320
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   66,034,080 2,591,604 SH   SOLE 0 0 0 2,591,604
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   12,208,234 507,302 SH   SOLE 0 0 0 507,302
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,847,978 90,541 SH   SOLE 0 0 0 90,541
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   3,096,881 104,027 SH   SOLE 0 0 0 104,027
GOLDMAN SACHS ETF TR ACCESS US AGRAT 38149W101   3,609,788 85,560 SH   SOLE 0 0 0 85,560
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   6,304,439 204,623 SH   SOLE 0 0 0 204,623
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   13,095,077 161,230 SH   SOLE 0 0 0 161,230
ISHARES INC CORE MSCI EMKT 46434G103   2,068,613 42,398 SH   SOLE 0 0 0 42,398
ISHARES INC ESG AWR MSCI EM 46434G863   1,830,584 58,151 SH   SOLE 0 0 0 58,151
ISHARES TR ESG ADV TTL USD 46436E619   2,580,857 59,701 SH   SOLE 0 0 0 59,701
ISHARES TR CORE S&P SCP ETF 464287804   535,428 5,537 SH   SOLE 0 0 0 5,537
ISHARES TR CORE MSCI TOTAL 46432F834   5,810,550 93,794 SH   SOLE 0 0 0 93,794
ISHARES TR GRWT ALLOCAT ETF 464289867   2,669,921 53,366 SH   SOLE 0 0 0 53,366
ISHARES TR CORE TOTAL USD 46434V613   46,252,609 1,002,223 SH   SOLE 0 0 0 1,002,223
ISHARES TR ESG AW MSCI EAFE 46435G516   4,779,570 66,531 SH   SOLE 0 0 0 66,531
ISHARES TR ESG MSCI LEADR 46435U218   8,027,923 112,657 SH   SOLE 0 0 0 112,657
ISHARES TR NATIONAL MUN ETF 464288414   247,408 2,296 SH   SOLE 0 0 0 2,296
ISHARES TR US SML CAP EQT 46434V290   3,874,719 75,590 SH   SOLE 0 0 0 75,590
ISHARES TR RUS MDCP VAL ETF 464287473   1,481,081 13,946 SH   SOLE 0 0 0 13,946
ISHARES TR CORE S&P TTL STK 464287150   2,447,103 27,025 SH   SOLE 0 0 0 27,025
ISHARES TR CORE INTL AGGR 46435G672   15,141,934 309,335 SH   SOLE 0 0 0 309,335
ISHARES TR AGGRES ALLOC ETF 464289859   3,585,930 56,391 SH   SOLE 0 0 0 56,391
ISHARES TR IBONDS 26 TRM TS 46436E858   294,767 12,772 SH   SOLE 0 0 0 12,772
ISHARES TR CORE MSCI EAFE 46432F842   717,749 10,737 SH   SOLE 0 0 0 10,737
ISHARES TR RUSSELL 2000 ETF 464287655   804,125 4,507 SH   SOLE 0 0 0 4,507
ISHARES TR U S EQUITY FACTR 46434V282   439,471 10,605 SH   SOLE 0 0 0 10,605
ISHARES TR CORE S&P MCP ETF 464287507   1,239,675 4,956 SH   SOLE 0 0 0 4,956
ISHARES TR GLOBAL REIT ETF 46434V647   320,550 13,979 SH   SOLE 0 0 0 13,979
ISHARES TR INTL EQTY FACTOR 46434V274   427,814 16,150 SH   SOLE 0 0 0 16,150
ISHARES TR IBONDS 27 TRM TS 46436E841   206,505 9,113 SH   SOLE 0 0 0 9,113
ISHARES TR MSCI EAFE ETF 464287465   630,168 8,811 SH   SOLE 0 0 0 8,811
ISHARES TR MODERT ALLOC ETF 464289875   340,514 8,543 SH   SOLE 0 0 0 8,543
ISHARES TR IBONDS 25 TRM TS 46436E866   367,937 15,637 SH   SOLE 0 0 0 15,637
ISHARES TR IBONDS 24 TRM TS 46436E874   367,200 15,294 SH   SOLE 0 0 0 15,294
ISHARES TR IBONDS 28 TRM TS 46436E833   205,918 9,156 SH   SOLE 0 0 0 9,156
ISHARES TR CORE S&P500 ETF 464287200   2,260,583 5,499 SH   SOLE 0 0 0 5,499
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   709,674 15,334 SH   SOLE 0 0 0 15,334
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   496,417 9,865 SH   SOLE 0 0 0 9,865
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,734,138 48,973 SH   SOLE 0 0 0 48,973
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   43,241,306 1,346,242 SH   SOLE 0 0 0 1,346,242
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   14,337,172 420,075 SH   SOLE 0 0 0 420,075
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,782,970 4,355 SH   SOLE 0 0 0 4,355
SPDR SER TR PORTFOLIO S&P500 78464A854   1,029,770 21,387 SH   SOLE 0 0 0 21,387
SPDR SER TR PORTFOLIO SHORT 78464A474   710,686 23,985 SH   SOLE 0 0 0 23,985
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,158,275 57,050 SH   SOLE 0 0 0 57,050
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   554,715 6,041 SH   SOLE 0 0 0 6,041
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,795,054 93,199 SH   SOLE 0 0 0 93,199
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   20,001,483 408,861 SH   SOLE 0 0 0 408,861
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,010,436 37,859 SH   SOLE 0 0 0 37,859
VANGUARD INDEX FDS TOTAL STK MKT 922908769   56,681,761 277,716 SH   SOLE 0 0 0 277,716
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   579,853 4,325 SH   SOLE 0 0 0 4,325
VANGUARD INDEX FDS MID CAP ETF 922908629   3,516,724 16,673 SH   SOLE 0 0 0 16,673
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,872,647 20,430 SH   SOLE 0 0 0 20,430
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   14,390,990 102,646 SH   SOLE 0 0 0 102,646
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   83,045,047 220,823 SH   SOLE 0 0 0 220,823
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,380,492 28,667 SH   SOLE 0 0 0 28,667
VANGUARD INDEX FDS VALUE ETF 922908744   765,095 5,540 SH   SOLE 0 0 0 5,540
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,779,733 51,903 SH   SOLE 0 0 0 51,903
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,145,648 28,358 SH   SOLE 0 0 0 28,358
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   63,098,802 1,245,535 SH   SOLE 0 0 0 1,245,535
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   501,611 7,657 SH   SOLE 0 0 0 7,657
VANGUARD STAR FDS VG TL INTL STK F 921909768   39,455,721 714,648 SH   SOLE 0 0 0 714,648
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,349,500 29,876 SH   SOLE 0 0 0 29,876