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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR PFD AND INCM SEC 464288687 974 29,621 SH   SOLE   29,621 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 397 2,105 SH   SOLE   2,105 0 0
ALPHA ARCHITECT ETF TR DISCIPLINE FUND 02072L748 22,916 1,072,584 SH   SOLE   1,072,584 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 277 3,410 SH   SOLE   3,410 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,137 26,710 SH   SOLE   26,710 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 948 15,500 SH   SOLE   15,500 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,339 92,165 SH   SOLE   92,165 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,479 110,629 SH   SOLE   110,629 0 0
PLANET LABS PBC COM CL A 72703X106 150 34,691 SH   SOLE   34,691 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 417 1,203 SH   SOLE   1,203 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 398 3,805 SH   SOLE   3,805 0 0
ISHARES TR CORE S&P500 ETF 464287200 218 575 SH   SOLE   575 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,441 30,101 SH   SOLE   30,101 0 0
JOHNSON & JOHNSON COM 478160104 240 1,350 SH   SOLE   1,350 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 616 13,782 SH   SOLE   13,782 0 0
CAMBRIA ETF TR TAIL RISK 132061862 213 12,100 SH   SOLE   12,100 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,590 41,293 SH   SOLE   41,293 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,210 15,869 SH   SOLE   15,869 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,163 16,576 SH   SOLE   16,576 0 0
ALPHABET INC CAP STK CL A 02079K305 340 156 SH   SOLE   156 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 275 982 SH   SOLE   982 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,543 125,439 SH   SOLE   125,439 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 3,376 65,703 SH   SOLE   65,703 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 665 9,287 SH   SOLE   9,287 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,452 29,080 SH   SOLE   29,080 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,333 32,677 SH   SOLE   32,677 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 261 6,269 SH   SOLE   6,269 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,848 80,249 SH   SOLE   80,249 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 154 12,500 SH   SOLE   12,500 0 0