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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
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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
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,840,490 121,078 SH   SOLE   0 0 121,078
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   5,284,398 193,426 SH   SOLE   0 0 193,426
ISHARES TR GRWT ALLOCAT ETF 464289867   3,344,327 65,002 SH   SOLE   0 0 65,002
ISHARES TR MODERT ALLOC ETF 464289875   988,550 24,463 SH   SOLE   0 0 24,463
ISHARES TR AGGRES ALLOC ETF 464289859   3,303,798 49,801 SH   SOLE   0 0 49,801
ISHARES TR CORE US AGGBD ET 464287226   20,825,067 212,609 SH   SOLE   0 0 212,609
ISHARES TR CORE S&P SCP ETF 464287804   16,222,137 162,791 SH   SOLE   0 0 162,791
ISHARES TR CORE S&P500 ETF 464287200   34,565,004 77,550 SH   SOLE   0 0 77,550
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   282,776 6,126 SH   SOLE   0 0 6,126
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,261,733 281,352 SH   SOLE   0 0 281,352
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   704,584 9,693 SH   SOLE   0 0 9,693
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   672,296 13,754 SH   SOLE   0 0 13,754
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,126,440 9,786 SH   SOLE   0 0 9,786
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,791,106 129,142 SH   SOLE   0 0 129,142
VANGUARD STAR FDS VG TL INTL STK F 921909768   994,579 17,735 SH   SOLE   0 0 17,735