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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 268,905 1,804 SH   SOLE   0 0 1,804
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 755,109 14,304 SH   SOLE   0 0 14,304
APPLE INC COM 037833100 BBG001S5N8V8 211,787 1,237 SH   SOLE   0 0 1,237
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,375,629 3,927 SH   SOLE   0 0 3,927
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 12,739,377 652,632 SH   SOLE   0 0 652,632
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 1,087,090 26,495 SH   SOLE   0 0 26,495
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,905,279 80,059 SH   SOLE   0 0 80,059
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,098,912 2,559 SH   SOLE   0 0 2,559
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 1,248,195 26,456 SH   SOLE   0 0 26,456
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 9,358,991 39,841 SH   SOLE   0 0 39,841
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,083,705 4,074 SH   SOLE   0 0 4,074
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 931,989 6,139 SH   SOLE   0 0 6,139
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 349,946 1,980 SH   SOLE   0 0 1,980
LOEWS CORP COM 540424108 BBG001S6KQC0 213,798 3,377 SH   SOLE   0 0 3,377
MCCORMICK & CO INC COM NON VTG 579780206 BBG001S79S19 255,664 3,380 SH   SOLE   0 0 3,380
SENSIENT TECHNOLOGIES CORP COM 81725T100 BBG001SF0100 643,631 11,006 SH   SOLE   0 0 11,006
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 8,924,958 287,809 SH   SOLE   0 0 287,809
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 7,125,569 212,260 SH   SOLE   0 0 212,260
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 259,053 606 SH   SOLE   0 0 606
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 41,974,187 835,141 SH   SOLE   0 0 835,141
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 699,661 18,961 SH   SOLE   0 0 18,961
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 554,063 11,584 SH   SOLE   0 0 11,584
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 401,831 5,311 SH   SOLE   0 0 5,311
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 13,527,897 71,550 SH   SOLE   0 0 71,550
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 382,126 1,799 SH   SOLE   0 0 1,799
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 245,730 6,267 SH   SOLE   0 0 6,267
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 2,691,370 13,826 SH   SOLE   0 0 13,826
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 245,754 3,440 SH   SOLE   0 0 3,440
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 286,060 6,543 SH   SOLE   0 0 6,543