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
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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
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   4,297,892 99,144 SH   SOLE   0 0 99,144
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   12,238,410 243,842 SH   SOLE   0 0 243,842
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   5,141,954 113,987 SH   SOLE   0 0 113,987
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,054,367 179,472 SH   SOLE   0 0 179,472
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   14,508,388 272,765 SH   SOLE   0 0 272,765
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   509,220 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877   238,432 3,200 SH   SOLE   0 0 3,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   29,387,241 432,102 SH   SOLE   0 0 432,102
ANALOG DEVICES INC COM 032654105   262,448 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   768,390 5,914 SH   SOLE   0 0 5,914
BANK AMERICA CORP COM 060505104   551,694 16,657 SH   SOLE   0 0 16,657
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   430,557 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109   263,820 1,880 SH   SOLE   0 0 1,880
COCA COLA CO COM 191216100   418,589 6,581 SH   SOLE   0 0 6,581
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   267,451 12,185 SH   SOLE   0 0 12,185
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,946,037 70,801 SH   SOLE   0 0 70,801
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,020,937 19,960 SH   SOLE   0 0 19,960
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,598,435 36,369 SH   SOLE   0 0 36,369
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,503,173 309,027 SH   SOLE   0 0 309,027
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,054,384 61,362 SH   SOLE   0 0 61,362
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   6,741,038 305,716 SH   SOLE   0 0 305,716
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   3,414,239 158,728 SH   SOLE   0 0 158,728
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   7,845,195 326,747 SH   SOLE   0 0 326,747
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,113,495 23,290 SH   SOLE   0 0 23,290
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   482,499 22,338 SH   SOLE   0 0 22,338
FACTSET RESH SYS INC COM 303075105   448,553 1,118 SH   SOLE   0 0 1,118
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   1,587,309 87,988 SH   SOLE   0 0 87,988
INVESCO QQQ TR UNIT SER 1 46090E103   1,062,606 3,991 SH   SOLE   0 0 3,991
ISHARES TR RUS MD CP GR ETF 464287481   204,820 2,450 SH   SOLE   0 0 2,450
JPMORGAN CHASE & CO COM 46625H100   301,594 2,249 SH   SOLE   0 0 2,249
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   8,695,457 172,068 SH   SOLE   0 0 172,068
JOHNSON & JOHNSON COM 478160104   508,575 2,879 SH   SOLE   0 0 2,879
LILLY ELI & CO COM 532457108   226,455 619 SH   SOLE   0 0 619
MICROSOFT CORP COM 594918104   695,239 2,899 SH   SOLE   0 0 2,899
PEPSICO INC COM 713448108   575,583 3,186 SH   SOLE   0 0 3,186
PHILLIPS 66 COM 718546104   213,676 2,053 SH   SOLE   0 0 2,053
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,129,749 124,348 SH   SOLE   0 0 124,348
SPDR S&P 500 ETF TR TR UNIT 78462F103   805,179 2,105 SH   SOLE   0 0 2,105
SPDR SER TR BLOOMBERG INVT 78468R200   6,692,517 220,221 SH   SOLE   0 0 220,221
SCHWAB STRATEGIC TR US REIT ETF 808524847   300,900 15,599 SH   SOLE   0 0 15,599
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,079,226 20,839 SH   SOLE   0 0 20,839
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   344,700 2,270 SH   SOLE   0 0 2,270
VANGUARD STAR FDS VG TL INTL STK F 921909768   546,676 10,570 SH   SOLE   0 0 10,570
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   838,799 3,976 SH   SOLE   0 0 3,976
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   213,872 1,527 SH   SOLE   0 0 1,527
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   2,803,456 38,700 SH   SOLE   0 0 38,700
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,216,637 124,013 SH   SOLE   0 0 124,013
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   19,749,156 262,343 SH   SOLE   0 0 262,343
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,017,956 14,170 SH   SOLE   0 0 14,170
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,070,120 25,497 SH   SOLE   0 0 25,497
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   7,612,042 155,348 SH   SOLE   0 0 155,348
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   222,158 4,684 SH   SOLE   0 0 4,684
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,944,701 42,722 SH   SOLE   0 0 42,722
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,992,759 80,678 SH   SOLE   0 0 80,678
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,996,112 5,681 SH   SOLE   0 0 5,681
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,042,531 24,764 SH   SOLE   0 0 24,764
VANGUARD INDEX FDS MID CAP ETF 922908629   3,401,321 16,689 SH   SOLE   0 0 16,689
VANGUARD INDEX FDS GROWTH ETF 922908736   4,596,682 21,570 SH   SOLE   0 0 21,570
VANGUARD INDEX FDS SMALL CP ETF 922908751   726,180 3,957 SH   SOLE   0 0 3,957
VANGUARD INDEX FDS TOTAL STK MKT 922908769   932,263 4,876 SH   SOLE   0 0 4,876
CHUBB LIMITED COM H1467J104   661,579 2,999 SH   SOLE   0 0 2,999