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
Estimated average burden
hours per response: 23.8
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
23ANDME HOLDING CO CLASS A COM 90138Q108 92 24,049 SH   SOLE 0 0 0 24,049
ALTRIA GROUP INC COM 02209S103 450 8,612 SH   SOLE 0 0 0 8,612
AMAZON COM INC COM 023135106 306 94 SH   SOLE 0 0 0 94
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,501 56,358 SH   SOLE 0 0 0 56,358
APPLE INC COM 037833100 215 1,233 SH   SOLE 0 0 0 1,233
AT&T INC COM 00206R102 337 14,258 SH   SOLE 0 0 0 14,258
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 233 661 SH   SOLE 0 0 0 661
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE 0 0 0 1
BLACKROCK CAP INVT CORP NOTE 5.000% 6/1 092533AC2 50 50,000 PRN   SOLE 0 0 0 50,000
BLACKROCK MULTI SECTOR INC T COM 09258A107 388 23,520 SH   SOLE 0 0 0 23,520
BLACKROCK UTILS INFRASTRUCTU COM 09248D104 394 15,487 SH   SOLE 0 0 0 15,487
CHEVRON CORP NEW COM 166764100 236 1,451 SH   SOLE 0 0 0 1,451
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 945 19,793 SH   SOLE 0 0 0 19,793
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 2,217 47,776 SH   SOLE 0 0 0 47,776
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 357 13,549 SH   SOLE 0 0 0 13,549
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 10,360 368,046 SH   SOLE 0 0 0 368,046
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 6,186 235,740 SH   SOLE 0 0 0 235,740
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 20,218 733,050 SH   SOLE 0 0 0 733,050
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6,642 118,472 SH   SOLE 0 0 0 118,472
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 6,136 245,919 SH   SOLE 0 0 0 245,919
ECOLAB INC COM 278865100 355 2,010 SH   SOLE 0 0 0 2,010
EXXON MOBIL CORP COM 30231G102 407 4,925 SH   SOLE 0 0 0 4,925
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 780 6,334 SH   SOLE 0 0 0 6,334
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 3,259 171,337 SH   SOLE 0 0 0 171,337
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 3,784 80,422 SH   SOLE 0 0 0 80,422
FIRST TR LRG CP VL ALPHADEX COM SHS 33735J101 11,694 165,832 SH   SOLE 0 0 0 165,832
FORD MTR CO DEL COM 345370860 193 11,408 SH   SOLE 0 0 0 11,408
ISHARES INC ESG AWR MSCI EM 46434G863 365 9,930 SH   SOLE 0 0 0 9,930
ISHARES TR FALN ANGLS USD 46435G474 1,169 42,095 SH   SOLE 0 0 0 42,095
ISHARES TR ESG AWR MSCI USA 46435G425 5,832 57,546 SH   SOLE 0 0 0 57,546
ISHARES TR MSCI USA SZE FT 46432F370 396 3,042 SH   SOLE 0 0 0 3,042
ISHARES TR MSCI USA VALUE 46432F388 805 7,701 SH   SOLE 0 0 0 7,701
ISHARES TR MSCI USA QLT FCT 46432F339 1,686 12,520 SH   SOLE 0 0 0 12,520
ISHARES TR CORE MSCI PAC 46434V696 203 3,340 SH   SOLE 0 0 0 3,340
ISHARES TR CORE TOTAL USD 46434V613 957 19,285 SH   SOLE 0 0 0 19,285
ISHARES TR EAFE VALUE ETF 464288877 1,756 34,931 SH   SOLE 0 0 0 34,931
ISHARES TR EAFE GRWTH ETF 464288885 1,767 18,350 SH   SOLE 0 0 0 18,350
ISHARES TR MBS ETF 464288588 1,195 11,729 SH   SOLE 0 0 0 11,729
ISHARES TR US TREAS BD ETF 46429B267 3,439 138,056 SH   SOLE 0 0 0 138,056
ISHARES TR MSCI USA MIN VOL 46429B697 394 5,083 SH   SOLE 0 0 0 5,083
ISHARES TR MSCI ACWI ETF 464288257 2,539 25,446 SH   SOLE 0 0 0 25,446
ISHARES TR CORE S&P500 ETF 464287200 733 1,615 SH   SOLE 0 0 0 1,615
ISHARES TR 1 3 YR TREAS BD 464287457 3,620 43,434 SH   SOLE 0 0 0 43,434
ISHARES TR TIPS BD ETF 464287176 701 5,624 SH   SOLE 0 0 0 5,624
ISHARES TR GLOBAL FINLS ETF 464287333 274 3,454 SH   SOLE 0 0 0 3,454
ISHARES TR U.S. TECH ETF 464287721 320 3,101 SH   SOLE 0 0 0 3,101
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 219 5,472 SH   SOLE 0 0 0 5,472
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 2,605 75,955 SH   SOLE 0 0 0 75,955
LILLY ELI & CO COM 532457108 237 826 SH   SOLE 0 0 0 826
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 229 15,865 SH   SOLE 0 0 0 15,865
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 676 14,270 SH   SOLE 0 0 0 14,270
SCHWAB STRATEGIC TR US TIPS ETF 808524870 596 9,819 SH   SOLE 0 0 0 9,819
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,022 20,210 SH   SOLE 0 0 0 20,210
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 271 5,655 SH   SOLE 0 0 0 5,655
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 956 19,689 SH   SOLE 0 0 0 19,689
SELECT SECTOR SPDR TR ENERGY 81369Y506 502 6,573 SH   SOLE 0 0 0 6,573
SPDR SER TR PORTFOLIO INTRMD 78464A375 448 13,121 SH   SOLE 0 0 0 13,121
SPDR SER TR PORTFOLIO S&P500 78464A854 6,935 130,534 SH   SOLE 0 0 0 130,534
SPDR SER TR SSGA US LRG ETF 78468R804 426 2,966 SH   SOLE 0 0 0 2,966
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 207 3,605 SH   SOLE 0 0 0 3,605
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,209 2,913 SH   SOLE 0 0 0 2,913
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 245 2,258 SH   SOLE 0 0 0 2,258
VISA INC COM CL A 92826C839 266 1,198 SH   SOLE 0 0 0 1,198
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 247 14,868 SH   SOLE 0 0 0 14,868
WISDOMTREE TR EM EX ST-OWNED 97717X578 789 24,164 SH   SOLE 0 0 0 24,164