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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,313,233 20,740 SH   SOLE   20,740 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,004,307 37,676 SH   SOLE   37,676 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,042,520 32,221 SH   SOLE   32,221 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   2,367,629 29,536 SH   SOLE   29,536 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,984,293 30,740 SH   SOLE   30,740 0 0
APPLE INC COM 037833100   447,479 2,520 SH   SOLE   2,520 0 0
BK OF AMERICA CORP COM 060505104   258,487 5,810 SH   SOLE   5,810 0 0
CSX CORP COM 126408103   225,374 5,994 SH   SOLE   5,994 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,021,865 105,679 SH   SOLE   105,679 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   356,852 12,318 SH   SOLE   12,318 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   717,569 27,274 SH   SOLE   27,274 0 0
HONEYWELL INTL INC COM 438516106   213,514 1,024 SH   SOLE   1,024 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,074,195 2,700 SH   SOLE   2,700 0 0
ISHARES TR NATIONAL MUN ETF 464288414   6,534,226 56,194 SH   SOLE   56,194 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   770,806 9,011 SH   SOLE   9,011 0 0
ISHARES TR MSCI EAFE ETF 464287465   388,443 4,937 SH   SOLE   4,937 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   472,542 4,463 SH   SOLE   4,463 0 0
ISHARES TR CORE S&P500 ETF 464287200   512,764 1,075 SH   SOLE   1,075 0 0
ISHARES TR RUS MID CAP ETF 464287499   319,007 3,843 SH   SOLE   3,843 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   432,410 1,415 SH   SOLE   1,415 0 0
JBG SMITH PPTYS COM 46590V100   3,063,119 106,692 SH   SOLE   106,692 0 0
JPMORGAN CHASE & CO COM 46625H100   3,185,527 20,117 SH   SOLE   20,117 0 0
LOWES COS INC COM 548661107   1,123,354 4,346 SH   SOLE   4,346 0 0
PROCTER AND GAMBLE CO COM 742718109   359,549 2,198 SH   SOLE   2,198 0 0
PROLOGIS INC. COM 74340W103   353,556 2,100 SH   SOLE   2,100 0 0
RYDER SYS INC COM 783549108   249,516 3,027 SH   SOLE   3,027 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   20,551,054 404,151 SH   SOLE   404,151 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,166,780 39,392 SH   SOLE   39,392 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,670,133 90,160 SH   SOLE   90,160 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,143,450 29,417 SH   SOLE   29,417 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,268,013 12,383 SH   SOLE   12,383 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,129,944 21,445 SH   SOLE   21,445 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,051,348 25,687 SH   SOLE   25,687 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,493,554 84,006 SH   SOLE   84,006 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   2,892,726 51,527 SH   SOLE   51,527 0 0
SERVICENOW INC COM 81762P102   3,804,434 5,861 SH   SOLE   5,861 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   802,171 1,689 SH   SOLE   1,689 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   52,664,496 453,965 SH   SOLE   453,965 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   305,724 1,200 SH   SOLE   1,200 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,522,403 6,736 SH   SOLE   6,736 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   337,469 773 SH   SOLE   773 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   381,038 1,724 SH   SOLE   1,724 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,072,307 20,862 SH   SOLE   20,862 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   33,048,438 601,866 SH   SOLE   601,866 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208   561,602 6,804 SH   SOLE   6,804 0 0
WISDOMTREE TR ITL HIGH DIV FD 97717W802   297,671 7,690 SH   SOLE   7,690 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604   209,819 6,385 SH   SOLE   6,385 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   372,313 5,751 SH   SOLE   5,751 0 0