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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR US EQT ETF 025072885   3,292,003 50,615 SH   SOLE   50,615 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   8,005,781 157,099 SH   SOLE   157,099 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,865,052 55,065 SH   SOLE   55,065 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,598,836 52,645 SH   SOLE   52,645 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,932,304 36,624 SH   SOLE   36,624 0 0
APPLE INC COM 037833100   352,741 2,580 SH   SOLE   2,580 0 0
CHEVRON CORP NEW COM 166764100   426,232 2,944 SH   SOLE   2,944 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   242,530 11,270 SH   SOLE   11,270 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   18,176,264 780,097 SH   SOLE   780,097 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,296,128 131,679 SH   SOLE   131,679 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   276,960 5,770 SH   SOLE   5,770 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   683,571 27,552 SH   SOLE   27,552 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   278,991 1,976 SH   SOLE   1,976 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   756,756 2,700 SH   SOLE   2,700 0 0
ISHARES TR MSCI EAFE ETF 464287465   308,513 4,937 SH   SOLE   4,937 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   775,428 9,366 SH   SOLE   9,366 0 0
ISHARES TR NATIONAL MUN ETF 464288414   6,016,128 56,564 SH   SOLE   56,564 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   487,045 2,227 SH   SOLE   2,227 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   456,131 4,497 SH   SOLE   4,497 0 0
ISHARES TR CORE S&P500 ETF 464287200   407,586 1,075 SH   SOLE   1,075 0 0
ISHARES TR RUS MID CAP ETF 464287499   250,299 3,871 SH   SOLE   3,871 0 0
JBG SMITH PPTYS COM 46590V100   2,552,160 107,959 SH   SOLE   107,959 0 0
JPMORGAN CHASE & CO COM 46625H100   1,156,730 10,272 SH   SOLE   10,272 0 0
LILLY ELI & CO COM 532457108   210,101 648 SH   SOLE   648 0 0
LOWES COS INC COM 548661107   622,873 3,566 SH   SOLE   3,566 0 0
PROCTER AND GAMBLE CO COM 742718109   387,945 2,698 SH   SOLE   2,698 0 0
PROLOGIS INC. COM 74340W103   247,065 2,100 SH   SOLE   2,100 0 0
RYDER SYS INC COM 783549108   215,099 3,027 SH   SOLE   3,027 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   20,662,117 420,047 SH   SOLE   420,047 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,897,891 184,822 SH   SOLE   184,822 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,466,868 214,231 SH   SOLE   214,231 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   988,649 25,356 SH   SOLE   25,356 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,825,113 58,032 SH   SOLE   58,032 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,337,680 52,706 SH   SOLE   52,706 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,966,208 89,000 SH   SOLE   89,000 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,799,498 93,014 SH   SOLE   93,014 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   851,172 27,255 SH   SOLE   27,255 0 0
SERVICENOW INC COM 81762P102   1,952,485 4,106 SH   SOLE   4,106 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   640,918 1,699 SH   SOLE   1,699 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   42,783,622 469,582 SH   SOLE   469,582 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,186,277 6,736 SH   SOLE   6,736 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   268,138 773 SH   SOLE   773 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   297,131 1,724 SH   SOLE   1,724 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   319,879 1,624 SH   SOLE   1,624 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,751,326 94,799 SH   SOLE   94,799 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   34,025,953 681,610 SH   SOLE   681,610 0 0
WISDOMTREE TR ITL HIGH DIV FD 97717W802   265,843 7,690 SH   SOLE   7,690 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208   498,842 6,062 SH   SOLE   6,062 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   336,191 5,805 SH   SOLE   5,805 0 0