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
APPLE INC COM 037833100 BBG001S5N8V8 1,759,252 13,540 SH   SOLE   13,540 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 404,103 13,044 SH   SOLE   13,044 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 14,876,362 358,294 SH   SOLE   358,294 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 BBG017156DS5 843,431 37,941 SH   SOLE   37,941 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 797,232 35,260 SH   SOLE   35,260 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,985,191 90,441 SH   SOLE   90,441 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 516,425 20,624 SH   SOLE   20,624 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 4,782,708 213,991 SH   SOLE   213,991 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 1,737,876 78,815 SH   SOLE   78,815 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 1,626,597 73,237 SH   SOLE   73,237 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 13,294,444 288,445 SH   SOLE   288,445 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 3,802,011 140,711 SH   SOLE   140,711 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 14,805,431 609,779 SH   SOLE   609,779 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 4,534,272 188,849 SH   SOLE   188,849 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,175,583 55,583 SH   SOLE   55,583 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 4,426,875 178,719 SH   SOLE   178,719 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 614,743 11,588 SH   SOLE   11,588 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 451,835 11,050 SH   SOLE   11,050 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 445,702 4,120 SH   SOLE   4,120 0 0
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 210,286 3,027 SH   SOLE   3,027 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 699,367 11,346 SH   SOLE   11,346 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 436,764 4,615 SH   SOLE   4,615 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,105,668 10,686 SH   SOLE   10,686 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 2,789,120 62,077 SH   SOLE   62,077 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,047,251 12,503 SH   SOLE   12,503 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,403,286 30,586 SH   SOLE   30,586 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,370,169 39,766 SH   SOLE   39,766 0 0
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 225,122 3,395 SH   SOLE   3,395 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 828,165 8,929 SH   SOLE   8,929 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 201,139 8,681 SH   SOLE   8,681 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 420,992 5,839 SH   SOLE   5,839 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 307,475 2,107 SH   SOLE   2,107 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,355,299 12,844 SH   SOLE   12,844 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 214,236 1,256 SH   SOLE   1,256 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 990,982 9,504 SH   SOLE   9,504 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 419,751 5,635 SH   SOLE   5,635 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 422,842 18,611 SH   SOLE   18,611 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 1,183,678 7,153 SH   SOLE   7,153 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 329,795 2,176 SH   SOLE   2,176 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 446,483 9,787 SH   SOLE   9,787 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 343,872 7,645 SH   SOLE   7,645 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,441,461 19,148 SH   SOLE   19,148 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,241,036 17,275 SH   SOLE   17,275 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 635,941 13,408 SH   SOLE   13,408 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 969,260 4,548 SH   SOLE   4,548 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 524,342 3,010 SH   SOLE   3,010 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 330,185 1,727 SH   SOLE   1,727 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,050,389 7,483 SH   SOLE   7,483 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 633,464 16,251 SH   SOLE   16,251 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 217,756 4,400 SH   SOLE   4,400 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,263,604 30,107 SH   SOLE   30,107 0 0