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
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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
ABBOTT LABS COM 002824100 BBG001S5N9M6 207,575 1,904 SH   SOLE   0 0 1,904
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 243,053 1,804 SH   SOLE   0 0 1,804
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 769,699 14,304 SH   SOLE   0 0 14,304
APPLE INC COM 037833100 BBG001S5N8V8 220,544 1,137 SH   SOLE   0 0 1,137
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,339,107 3,927 SH   SOLE   0 0 3,927
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 13,339,797 619,879 SH   SOLE   0 0 619,879
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 1,787,822 43,132 SH   SOLE   0 0 43,132
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,247,423 65,884 SH   SOLE   0 0 65,884
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,164,195 2,612 SH   SOLE   0 0 2,612
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 1,360,103 26,456 SH   SOLE   0 0 26,456
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 9,990,389 40,988 SH   SOLE   0 0 40,988
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,131,453 4,112 SH   SOLE   0 0 4,112
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 983,877 6,234 SH   SOLE   0 0 6,234
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 372,761 1,990 SH   SOLE   0 0 1,990
LOEWS CORP COM 540424108 BBG001S6KQC0 200,527 3,377 SH   SOLE   0 0 3,377
MCCORMICK & CO INC COM NON VTG 579780206 BBG001S79S19 294,838 3,380 SH   SOLE   0 0 3,380
SENSIENT TECHNOLOGIES CORP COM 81725T100 BBG001SF0100 782,857 11,006 SH   SOLE   0 0 11,006
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 10,035,890 308,417 SH   SOLE   0 0 308,417
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 8,127,089 236,390 SH   SOLE   0 0 236,390
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 289,906 654 SH   SOLE   0 0 654
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 43,975,410 843,896 SH   SOLE   0 0 843,896
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 776,140 19,983 SH   SOLE   0 0 19,983
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,188,811 24,321 SH   SOLE   0 0 24,321
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 14,156,481 71,177 SH   SOLE   0 0 71,177
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 396,284 1,799 SH   SOLE   0 0 1,799
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 254,942 6,267 SH   SOLE   0 0 6,267
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,549,218 50,761 SH   SOLE   0 0 50,761
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 2,789,591 13,840 SH   SOLE   0 0 13,840
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 260,133 3,440 SH   SOLE   0 0 3,440
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 302,156 6,543 SH   SOLE   0 0 6,543