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   4,836,444 109,659 SH   SOLE   0 0 109,659
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   13,676,249 267,585 SH   SOLE   0 0 267,585
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   5,975,512 123,999 SH   SOLE   0 0 123,999
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,881,413 186,830 SH   SOLE   0 0 186,830
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   14,336,163 251,379 SH   SOLE   0 0 251,379
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   538,016 9,200 SH   SOLE   0 0 9,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877   236,992 3,200 SH   SOLE   0 0 3,200
AMERICAN CENTY ETF TR US EQT ETF 025072885   28,070,874 396,034 SH   SOLE   0 0 396,034
ANALOG DEVICES INC COM 032654105   315,552 1,600 SH   SOLE   0 0 1,600
APPLE INC COM 037833100   954,313 5,787 SH   SOLE   0 0 5,787
BANK AMERICA CORP COM 060505104   477,404 16,692 SH   SOLE   0 0 16,692
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   470,490 3,210 SH   SOLE   0 0 3,210
CLOROX CO DEL COM 189054109   206,028 1,302 SH   SOLE   0 0 1,302
COCA COLA CO COM 191216100   408,191 6,581 SH   SOLE   0 0 6,581
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   280,134 12,169 SH   SOLE   0 0 12,169
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,103,387 69,849 SH   SOLE   0 0 69,849
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,023,440 19,420 SH   SOLE   0 0 19,420
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,598,404 35,919 SH   SOLE   0 0 35,919
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,875,663 309,092 SH   SOLE   0 0 309,092
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,041,278 60,970 SH   SOLE   0 0 60,970
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   8,045,943 332,752 SH   SOLE   0 0 332,752
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   4,034,654 175,496 SH   SOLE   0 0 175,496
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   8,995,947 357,834 SH   SOLE   0 0 357,834
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,044,474 21,618 SH   SOLE   0 0 21,618
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   515,134 22,339 SH   SOLE   0 0 22,339
FACTSET RESH SYS INC COM 303075105   464,071 1,118 SH   SOLE   0 0 1,118
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822   1,510,388 81,335 SH   SOLE   0 0 81,335
INVESCO QQQ TR UNIT SER 1 46090E103   1,261,165 3,930 SH   SOLE   0 0 3,930
ISHARES TR RUS MD CP GR ETF 464287481   223,073 2,450 SH   SOLE   0 0 2,450
JPMORGAN CHASE & CO COM 46625H100   295,104 2,265 SH   SOLE   0 0 2,265
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,665,785 150,931 SH   SOLE   0 0 150,931
JOHNSON & JOHNSON COM 478160104   446,245 2,879 SH   SOLE   0 0 2,879
LILLY ELI & CO COM 532457108   212,577 619 SH   SOLE   0 0 619
MICROSOFT CORP COM 594918104   825,981 2,865 SH   SOLE   0 0 2,865
PEPSICO INC COM 713448108   555,286 3,046 SH   SOLE   0 0 3,046
PHILLIPS 66 COM 718546104   208,133 2,053 SH   SOLE   0 0 2,053
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   6,264,687 125,847 SH   SOLE   0 0 125,847
SPDR S&P 500 ETF TR TR UNIT 78462F103   865,153 2,113 SH   SOLE   0 0 2,113
SPDR SER TR BLOOMBERG INVT 78468R200   4,888,397 160,644 SH   SOLE   0 0 160,644
SCHWAB STRATEGIC TR US REIT ETF 808524847   277,667 14,239 SH   SOLE   0 0 14,239
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,042,514 19,446 SH   SOLE   0 0 19,446
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   425,838 2,765 SH   SOLE   0 0 2,765
VANGUARD STAR FDS VG TL INTL STK F 921909768   554,943 10,051 SH   SOLE   0 0 10,051
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   916,499 3,976 SH   SOLE   0 0 3,976
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   224,011 1,527 SH   SOLE   0 0 1,527
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   5,982,257 78,057 SH   SOLE   0 0 78,057
VANGUARD BD INDEX FDS INTERMED TERM 921937819   14,417,529 187,875 SH   SOLE   0 0 187,875
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,926,352 142,847 SH   SOLE   0 0 142,847
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   928,687 12,579 SH   SOLE   0 0 12,579
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,151,783 25,499 SH   SOLE   0 0 25,499
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   13,600,159 276,201 SH   SOLE   0 0 276,201
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,451,963 31,191 SH   SOLE   0 0 31,191
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,818,668 95,118 SH   SOLE   0 0 95,118
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,135,695 5,679 SH   SOLE   0 0 5,679
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,052,915 24,722 SH   SOLE   0 0 24,722
VANGUARD INDEX FDS MID CAP ETF 922908629   3,834,492 18,180 SH   SOLE   0 0 18,180
VANGUARD INDEX FDS GROWTH ETF 922908736   5,827,812 23,364 SH   SOLE   0 0 23,364
VANGUARD INDEX FDS SMALL CP ETF 922908751   624,490 3,294 SH   SOLE   0 0 3,294
VANGUARD INDEX FDS TOTAL STK MKT 922908769   995,670 4,878 SH   SOLE   0 0 4,878
CHUBB LIMITED COM H1467J104   582,346 2,999 SH   SOLE   0 0 2,999