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
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109   227,889 13,421 SH   SOLE   0 13,421 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   915,835 35,719 SH   SOLE   0 35,719 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672   907,256 18,218 SH   SOLE   0 18,218 0
ISHARES MSCI INTL VALUE FACTOR ETF ETF 46435G409   340,600 12,848 SH   SOLE   0 12,848 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   230,444 5,731 SH   SOLE   0 5,731 0
SPDR S&P 500 ETF TRUST ETF 78462F103   1,117,454 2,351 SH   SOLE   0 2,351 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   1,731,864 21,110 SH   SOLE   0 21,110 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   2,198,179 20,951 SH   SOLE   0 19,151 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETF 78464A375   42,538,619 1,295,724 SH   SOLE   0 1,252,150 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   348,890 3,223 SH   SOLE   0 3,223 0
MICROSOFT CORP COM Stock 594918104   286,919 763 SH   SOLE   0 636 0
ISHARES EUROPE ETF ETF 464287861   230,258 4,356 SH   SOLE   0 4,356 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   1,044,582 21,560 SH   SOLE   0 21,560 0
ISHARES ESG MSCI USA LEADERS ETF ETF 46435U218   554,883 6,576 SH   SOLE   0 6,576 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   1,549,046 15,712 SH   SOLE   0 15,712 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   610,446 6,303 SH   SOLE   0 6,303 0
ELI LILLY & CO COM Stock 532457108   447,100 767 SH   SOLE   0 767 0
FT VEST U.S. EQUITY BUFFER ETF - NOVEMBER ETF 33740F847   868,344 20,425 SH   SOLE   0 20,425 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771   463,507 9,998 SH   SOLE   0 9,998 0
ISHARES IBONDS DEC 2024 TERM TREASURY ETF ETF 46436E874   2,068,972 86,713 SH   SOLE   0 86,713 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718   2,095,442 20,898 SH   SOLE   0 20,898 0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   3,689,863 128,836 SH   SOLE   0 128,836 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   33,194,720 1,376,803 SH   SOLE   0 1,343,044 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   629,941 12,091 SH   SOLE   0 12,091 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   32,177,651 422,667 SH   SOLE   0 409,798 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   22,145,454 283,807 SH   SOLE   0 275,506 0
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807   39,563,753 1,151,448 SH   SOLE   0 1,113,420 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   88,495,273 840,970 SH   SOLE   0 816,276 0
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   30,042,934 632,616 SH   SOLE   0 612,190 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   39,095,746 555,732 SH   SOLE   0 537,649 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679   48,882,522 443,862 SH   SOLE   0 430,452 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   414,655 8,198 SH   SOLE   0 3,937 0
ISHARES CORE 1-5 YEAR USD BOND ETF ETF 46432F859   1,092,643 22,974 SH   SOLE   0 22,974 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   19,622,392 397,496 SH   SOLE   0 384,229 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499   511,386 6,579 SH   SOLE   0 6,579 0
AT&T INC COM Stock 00206R102   176,509 10,519 SH   SOLE   0 10,519 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   151,699,998 1,986,122 SH   SOLE   0 1,929,264 0
GENERAL ELECTRIC CO COM NEW Stock 369604301   285,636 2,238 SH   SOLE   0 2,238 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   1,060,325 36,500 SH   SOLE   0 36,500 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   284,127 1,931 SH   SOLE   0 1,931 0
ISHARES CORE S&P 500 ETF ETF 464287200   116,591,871 244,105 SH   SOLE   0 237,621 0
UNION PAC CORP COM Stock 907818108   891,109 3,628 SH   SOLE   0 3,628 0
LOCKHEED MARTIN CORP COM Stock 539830109   2,808,275 6,196 SH   SOLE   0 6,196 0
CHEVRON CORP NEW COM Stock 166764100   295,239 1,979 SH   SOLE   0 1,979 0
ALBEMARLE CORP COM Stock 012653101   296,184 2,050 SH   SOLE   0 2,050 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   283,105 1,731 SH   SOLE   0 1,731 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   829,950 7,500 SH   SOLE   0 7,500 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100   532,098 10,815 SH   SOLE   0 10,815 0
HP INC COM Stock 40434L105   406,696 13,516 SH   SOLE   0 13,516 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   300,756 1,765 SH   SOLE   0 1,765 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   232,114 2,252 SH   SOLE   0 2,252 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612   855,051 8,162 SH   SOLE   0 8,162 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827   218,416,166 2,835,837 SH   SOLE   0 2,742,137 0
AGILENT TECHNOLOGIES INC COM Stock 00846U101   342,709 2,465 SH   SOLE   0 2,465 0
EXXON MOBIL CORP COM Stock 30231G102   1,142,671 11,429 SH   SOLE   0 11,429 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   373,875 1,349 SH   SOLE   0 1,349 0
ISHARES MSCI EAFE ETF ETF 464287465   2,052,534 27,240 SH   SOLE   0 26,945 0
APPLE INC COM Stock 037833100   732,579 3,805 SH   SOLE   0 3,405 0
ISHARES RUSSELL 1000 ETF ETF 464287622   686,072 2,616 SH   SOLE   0 2,416 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663   1,628,570 17,820 SH   SOLE   0 17,820 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   309,513 1,873 SH   SOLE   0 1,873 0