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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 US EQUITY ETF 25434V401   79,345 1,785 SH   SOLE   0 0 1,785
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,261 133 SH   SOLE   0 0 133
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,046 145 SH   SOLE   0 0 145
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   12,384 264 SH   SOLE   0 0 264
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,594 157 SH   SOLE   0 0 157
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,677 86 SH   SOLE   0 0 86
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,696 112 SH   SOLE   0 0 112
VANGUARD WORLD FD ESG US STK ETF 921910733   3,163,414 44,114 SH   SOLE   0 0 44,114
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,593,323 42,048 SH   SOLE   0 0 42,048
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   13,383,419 296,290 SH   SOLE   0 0 296,290
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,013,055 148,838 SH   SOLE   0 0 148,838
VANGUARD INDEX FDS LARGE CAP ETF 922908637   12,027,014 64,381 SH   SOLE   0 0 64,381
VANGUARD INDEX FDS VALUE ETF 922908744   5,915,665 42,833 SH   SOLE   0 0 42,833
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,242,282 75,172 SH   SOLE   0 0 75,172
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   10,328,402 215,985 SH   SOLE   0 0 215,985
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,271,190 48,909 SH   SOLE   0 0 48,909
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,521,167 28,478 SH   SOLE   0 0 28,478
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   15,476,427 305,496 SH   SOLE   0 0 305,496
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,550,933 197,087 SH   SOLE   0 0 197,087
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   10,217,773 208,867 SH   SOLE   0 0 208,867