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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   93,614 1,806 SH   SOLE   0 0 1,806
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,603 105 SH   SOLE   0 0 105
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,176 113 SH   SOLE   0 0 113
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   7,366 158 SH   SOLE   0 0 158
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,881 122 SH   SOLE   0 0 122
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,388 67 SH   SOLE   0 0 67
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,157 88 SH   SOLE   0 0 88
VANGUARD WORLD FD ESG US STK ETF 921910733   3,362,847 39,535 SH   SOLE   0 0 39,535
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,994,258 43,417 SH   SOLE   0 0 43,417
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   14,536,932 303,485 SH   SOLE   0 0 303,485
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,346,292 154,411 SH   SOLE   0 0 154,411
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,214,254 120,637 SH   SOLE   0 0 120,637
VANGUARD INDEX FDS LARGE CAP ETF 922908637   14,120,631 64,729 SH   SOLE   0 0 64,729
VANGUARD INDEX FDS VALUE ETF 922908744   6,701,936 44,829 SH   SOLE   0 0 44,829
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   7,079,845 80,125 SH   SOLE   0 0 80,125
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   10,310,744 217,114 SH   SOLE   0 0 217,114
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,909,056 51,137 SH   SOLE   0 0 51,137
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,379,483 29,891 SH   SOLE   0 0 29,891
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,603,081 148,934 SH   SOLE   0 0 148,934
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,295,325 194,362 SH   SOLE   0 0 194,362
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,714,045 196,780 SH   SOLE   0 0 196,780