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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 488,915 3,500 SH   SOLE   3,500 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,638,563 8,511 SH   SOLE   8,511 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 189,184 11,274 SH   SOLE   11,274 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,246,171 3,494 SH   SOLE   3,494 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 204,192 3,465 SH   SOLE   3,465 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 7,784,598 183,600 SH   SOLE   183,600 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 5,093,470 211,260 SH   SOLE   211,260 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 13,193,156 460,656 SH   SOLE   460,656 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 2,500,612 53,193 SH   SOLE   53,193 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 39,192,753 1,178,730 SH   SOLE   1,178,730 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 1,067,141 36,508 SH   SOLE   36,508 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 348,816 6,730 SH   SOLE   6,730 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 221,500 5,951 SH   SOLE   5,951 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 238,539 10,490 SH   SOLE   10,490 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 368,717 12,662 SH   SOLE   12,662 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 218,205 8,936 SH   SOLE   8,936 0 0
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105 BBG016GCZLY9 1,033,984 22,354 SH   SOLE   22,354 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 7,168,041 12,297 SH   SOLE   12,297 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 3,209,458 120,431 SH   SOLE   120,431 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 309,388 802 SH   SOLE   802 0 0
GRAPHIC PACKAGING HLDG CO COM 388689101 BBG001S90195 218,670 8,871 SH   SOLE   8,871 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 373,913 1,783 SH   SOLE   1,783 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 4,495,497 54,796 SH   SOLE   54,796 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 322,962 4,974 SH   SOLE   4,974 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,070,765 10,617 SH   SOLE   10,617 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 622,129 13,504 SH   SOLE   13,504 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 348,764 3,514 SH   SOLE   3,514 0 0
ISHARES TR ESG ADV TTL USD 46436E619 BBG00VJ13GZ1 496,538 11,478 SH   SOLE   11,478 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 202,474 8,271 SH   SOLE   8,271 0 0
ISHARES TR IBONDS 24 TRM TS 46436E874 BBG00RYR0PY0 4,873,459 204,252 SH   SOLE   204,252 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866 BBG00RYR2N19 2,005,687 86,155 SH   SOLE   86,155 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858 BBG00RYR3RM6 805,648 35,250 SH   SOLE   35,250 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 BBG00RYR47N8 264,553 11,816 SH   SOLE   11,816 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 4,631,282 49,227 SH   SOLE   49,227 0 0
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 352,019 2,813 SH   SOLE   2,813 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 275,172 2,610 SH   SOLE   2,610 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 260,933 1,534 SH   SOLE   1,534 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 571,731 2,569 SH   SOLE   2,569 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,782,873 4,741 SH   SOLE   4,741 0 0
NUVEEN MUN VALUE FD INC COM 670928100 BBG001S5TS84 178,708 20,780 SH   SOLE   20,780 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 BBG001T5DWK7 1,281,085 25,046 SH   SOLE   25,046 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 47,015,084 508,547 SH   SOLE   508,547 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 827,200 8,290 SH   SOLE   8,290 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,115,680 66,420 SH   SOLE   66,420 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 842,894 11,460 SH   SOLE   11,460 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 414,524 8,397 SH   SOLE   8,397 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 474,789 1,087 SH   SOLE   1,087 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 4,337,715 17,941 SH   SOLE   17,941 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 12,470,635 52,568 SH   SOLE   52,568 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 285,195 6,939 SH   SOLE   6,939 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 4,945,613 104,140 SH   SOLE   104,140 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 1,209,650 26,092 SH   SOLE   26,092 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 509,338 8,732 SH   SOLE   8,732 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 746,869 9,653 SH   SOLE   9,653 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 619,151 3,634 SH   SOLE   3,634 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 792,919 13,681 SH   SOLE   13,681 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 254,932 1,335 SH   SOLE   1,335 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691 BBG00XGJM879 298,266 4,706 SH   SOLE   4,706 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 688,730 2,747 SH   SOLE   2,747 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 205,275 5,445 SH   SOLE   5,445 0 0
WALMART INC COM 931142103 BBG001S5XH92 455,136 2,887 SH   SOLE   2,887 0 0
WISDOMTREE TR US LARGECAP FUND 97717W588 BBG001SSZB57 698,292 13,934 SH   SOLE   13,934 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 BBG001SSZBC9 534,370 10,726 SH   SOLE   10,726 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 BBG001SHKFZ5 335,805 5,136 SH   SOLE   5,136 0 0
WORKDAY INC CL A 98138H101 BBG001T21KQ7 477,584 1,730 SH   SOLE   1,730 0 0