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
Estimated average burden
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 SML CP VALU 025072877 BBG00Q9MQZW3 388,762 4,987 SH   SOLE   4,987 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,359,274 13,780 SH   SOLE   13,780 0 0
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 BBG00ZS43SF2 212,228 4,488 SH   SOLE   1,935 0 2,553
CSX CORP COM 126408103 BBG001S5Q7Q3 401,103 13,044 SH   SOLE   13,044 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 19,099,479 473,111 SH   SOLE   409,733 0 63,378
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 BBG017156DS5 1,084,690 47,889 SH   SOLE   39,827 0 8,062
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,130,890 47,777 SH   SOLE   41,936 0 5,841
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 2,477,937 109,789 SH   SOLE   90,878 0 18,911
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 522,648 20,017 SH   SOLE   18,653 0 1,364
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 5,972,724 255,791 SH   SOLE   212,261 0 43,530
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 BBG01636J356 2,056,858 88,696 SH   SOLE   74,439 0 14,257
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 2,239,888 94,192 SH   SOLE   83,033 0 11,159
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 327,242 7,042 SH   SOLE   7,042 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 12,283,192 264,838 SH   SOLE   226,325 0 38,513
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 3,418,000 114,124 SH   SOLE   114,119 0 5
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 17,582,562 671,090 SH   SOLE   536,473 0 134,617
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 5,988,879 233,121 SH   SOLE   203,480 0 29,641
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 308,041 12,416 SH   SOLE   0 0 12,416
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,583,430 81,118 SH   SOLE   67,572 0 13,546
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 5,856,937 231,134 SH   SOLE   198,375 0 32,759
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 273,600 1,481 SH   SOLE   10 0 1,471
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 706,364 14,843 SH   SOLE   5,579 0 9,264
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 782,001 8,817 SH   SOLE   3,841 0 4,976
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 608,475 9,456 SH   SOLE   308 0 9,148
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 340,163 1,358 SH   SOLE   558 0 800
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 8,665,718 20,087 SH   SOLE   7,490 0 12,597
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 4,916,220 112,460 SH   SOLE   54,914 0 57,546
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,982,707 22,975 SH   SOLE   10,779 0 12,196
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 2,269,102 46,374 SH   SOLE   20,484 0 25,890
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 1,662,571 17,628 SH   SOLE   8,227 0 9,401
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 233,507 3,082 SH   SOLE   1,512 0 1,570
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 303,515 6,359 SH   SOLE   2,292 0 4,067
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 283,375 2,832 SH   SOLE   1,966 0 866
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 356,926 3,499 SH   SOLE   1,149 0 2,350
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,090,830 12,284 SH   SOLE   5,544 0 6,740
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 330,492 13,032 SH   SOLE   4,809 0 8,223
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 681,267 9,361 SH   SOLE   3,878 0 5,483
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 1,992,967 15,064 SH   SOLE   5,492 0 9,572
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 785,193 7,657 SH   SOLE   3,729 0 3,928
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 486,315 2,414 SH   SOLE   1,342 0 1,072
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 692,980 10,095 SH   SOLE   3,579 0 6,516
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 723,929 7,038 SH   SOLE   599 0 6,439
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 236,926 2,284 SH   SOLE   1,020 0 1,264
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 1,085,176 21,387 SH   SOLE   9,304 0 12,083
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 699,302 6,659 SH   SOLE   2,834 0 3,825
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 238,267 6,472 SH   SOLE   2,674 0 3,798
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 1,361,597 7,155 SH   SOLE   10 0 7,145
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 314,474 2,156 SH   SOLE   2,156 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 391,324 7,786 SH   SOLE   7,786 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,650,516 21,957 SH   SOLE   5,522 0 16,435
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 997,609 14,296 SH   SOLE   6,509 0 7,787
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 466,722 9,758 SH   SOLE   8,921 0 837
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,271,750 4,670 SH   SOLE   1,499 0 3,171
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 589,027 3,010 SH   SOLE   182 0 2,828
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 537,785 2,532 SH   SOLE   2,517 0 15
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,168,781 8,474 SH   SOLE   3,022 0 5,452
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 547,922 13,974 SH   SOLE   12,238 0 1,736
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,327,752 27,604 SH   SOLE   21,116 0 6,488
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,539,315 35,208 SH   SOLE   30,366 0 4,842
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 1,006,247 10,195 SH   SOLE   10,195 0 0