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 US SML CP VALU 025072877   3,494,743 52,839 SH   SOLE   52,839 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885   15,717,237 252,081 SH   SOLE   252,081 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,811,185 83,542 SH   SOLE   83,542 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,803,672 61,042 SH   SOLE   61,042 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,105,059 23,264 SH   SOLE   23,264 0 0
APPLE INC COM 037833100   279,306 2,021 SH   SOLE   2,021 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,120,258 105,729 SH   SOLE   105,729 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   6,298,505 328,732 SH   SOLE   328,732 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,274,805 372,069 SH   SOLE   372,069 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,454,940 71,181 SH   SOLE   71,181 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,663,043 35,749 SH   SOLE   35,749 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   636,581 27,228 SH   SOLE   27,228 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   721,602 2,700 SH   SOLE   2,700 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   397,880 4,899 SH   SOLE   4,899 0 0
ISHARES TR MSCI EAFE ETF 464287465   276,521 4,937 SH   SOLE   4,937 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,804,674 56,587 SH   SOLE   56,587 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   713,905 7,428 SH   SOLE   7,428 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   468,561 2,227 SH   SOLE   2,227 0 0
ISHARES TR RUS MID CAP ETF 464287499   240,583 3,871 SH   SOLE   3,871 0 0
ISHARES TR CORE S&P500 ETF 464287200   385,549 1,075 SH   SOLE   1,075 0 0
JBG SMITH PPTYS COM 46590V100   1,820,085 97,959 SH   SOLE   97,959 0 0
JPMORGAN CHASE & CO COM 46625H100   1,073,424 10,272 SH   SOLE   10,272 0 0
LOWES COS INC COM 548661107   669,730 3,566 SH   SOLE   3,566 0 0
PROCTER AND GAMBLE CO COM 742718109   277,498 2,198 SH   SOLE   2,198 0 0
PROLOGIS INC. COM 74340W103   213,360 2,100 SH   SOLE   2,100 0 0
RYDER SYS INC COM 783549108   228,508 3,027 SH   SOLE   3,027 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   20,540,008 425,611 SH   SOLE   425,611 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,246,150 55,632 SH   SOLE   55,632 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   4,019,876 215,082 SH   SOLE   215,082 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,218,715 195,730 SH   SOLE   195,730 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,382,726 84,609 SH   SOLE   84,609 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   771,138 27,789 SH   SOLE   27,789 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   996,566 26,364 SH   SOLE   26,364 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,762,417 62,653 SH   SOLE   62,653 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,421,084 89,969 SH   SOLE   89,969 0 0
SERVICENOW INC COM 81762P102   1,125,655 2,981 SH   SOLE   2,981 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   606,821 1,699 SH   SOLE   1,699 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   37,406,791 466,593 SH   SOLE   466,593 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   305,280 1,624 SH   SOLE   1,624 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,151,250 6,736 SH   SOLE   6,736 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   281,977 1,724 SH   SOLE   1,724 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   300,066 914 SH   SOLE   914 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,277,460 88,910 SH   SOLE   88,910 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   33,473,961 695,346 SH   SOLE   695,346 0 0
WISDOMTREE TR US HIGH DIVIDEND 97717W208   459,560 6,062 SH   SOLE   6,062 0 0
WISDOMTREE TR ITL HIGH DIV FD 97717W802   233,084 7,690 SH   SOLE   7,690 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   316,926 5,841 SH   SOLE   5,841 0 0