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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
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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   2,245,114 13,615 SH   SOLE   13,615 0 0
CSX CORP COM 126408103   391,016 13,060 SH   SOLE   13,060 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   15,293,138 359,839 SH   SOLE   359,839 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   945,679 40,021 SH   SOLE   40,021 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   872,141 37,308 SH   SOLE   37,308 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,190,554 95,159 SH   SOLE   95,159 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   596,916 22,149 SH   SOLE   22,149 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   5,264,447 218,759 SH   SOLE   218,759 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   1,975,513 81,700 SH   SOLE   81,700 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,792,806 75,312 SH   SOLE   75,312 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   14,318,571 306,870 SH   SOLE   306,870 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   3,985,882 138,543 SH   SOLE   138,543 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   16,491,577 647,236 SH   SOLE   647,236 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   4,973,632 197,837 SH   SOLE   197,837 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,387,441 64,562 SH   SOLE   64,562 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   4,655,585 186,746 SH   SOLE   186,746 0 0
ISHARES INC CORE MSCI EMKT 46434G103   652,274 13,369 SH   SOLE   13,369 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   428,494 3,741 SH   SOLE   3,741 0 0
ISHARES TR CORE MSCI EAFE 46432F842   736,420 11,016 SH   SOLE   11,016 0 0
ISHARES TR CORE S&P SCP ETF 464287804   248,519 2,570 SH   SOLE   2,570 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,811,083 11,704 SH   SOLE   11,704 0 0
ISHARES TR CORE TOTAL USD 46434V613   3,603,807 78,089 SH   SOLE   78,089 0 0
ISHARES TR EAFE GRWTH ETF 464288885   1,718,466 18,344 SH   SOLE   18,344 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,157,586 23,853 SH   SOLE   23,853 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   2,442,150 27,000 SH   SOLE   27,000 0 0
ISHARES TR ESG MSCI LEADR 46435U218   313,687 4,402 SH   SOLE   4,402 0 0
ISHARES TR MBS ETF 464288588   1,046,198 11,044 SH   SOLE   11,044 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   217,185 8,761 SH   SOLE   8,761 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   484,891 6,666 SH   SOLE   6,666 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   1,494,044 12,042 SH   SOLE   12,042 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,618,147 15,019 SH   SOLE   15,019 0 0
ISHARES TR S&P 100 ETF 464287101   326,198 1,744 SH   SOLE   1,744 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,018,222 9,727 SH   SOLE   9,727 0 0
ISHARES TR U.S. TECH ETF 464287721   717,634 7,732 SH   SOLE   7,732 0 0
ISHARES TR US TREAS BD ETF 46429B267   900,083 38,498 SH   SOLE   38,498 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,191,166 7,152 SH   SOLE   7,152 0 0
PROCTER AND GAMBLE CO COM 742718109   319,832 2,151 SH   SOLE   2,151 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   459,211 9,808 SH   SOLE   9,808 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,959,521 25,618 SH   SOLE   25,618 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,454,082 19,695 SH   SOLE   19,695 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   642,173 13,127 SH   SOLE   13,127 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,160,187 4,651 SH   SOLE   4,651 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   562,298 3,010 SH   SOLE   3,010 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   294,108 1,441 SH   SOLE   1,441 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   1,091,207 7,901 SH   SOLE   7,901 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   666,398 16,495 SH   SOLE   16,495 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   269,005 5,310 SH   SOLE   5,310 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,350,688 29,902 SH   SOLE   29,902 0 0