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
ABBOTT LABS COM 002824100   19,000 135 SH   SOLE   0 0 135
ABBVIE INC COM 00287Y109   8,666 64 SH   SOLE   0 0 64
ADVANCED MICRO DEVICES INC COM 007903107   43,170 300 SH   SOLE   0 0 300
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   2,676 12 SH   SOLE   0 0 12
ALLIANT ENERGY CORP COM 018802108   2,336 38 SH   SOLE   0 0 38
ALLSTATE CORP COM 020002101   7,059 60 SH   SOLE   0 0 60
ALPHABET INC CAP STK CL A 02079K305   2,898 1 SH   SOLE   0 0 1
AMAZON COM INC COM 023135106   16,672 5 SH   SOLE   0 0 5
AMDOCS LTD SHS G02602103   2,321 31 SH   SOLE   0 0 31
AMERICAN TOWER CORP NEW COM 03027X100   10,530 36 SH   SOLE   0 0 36
AMERIPRISE FINL INC COM 03076C106   1,207 4 SH   SOLE   0 0 4
AMETEK INC COM 031100100   3,971 27 SH   SOLE   0 0 27
ANTHEM INC COM 036752103   16,688 36 SH   SOLE   0 0 36
APPLE INC COM 037833100   273,490 1,540 SH   SOLE   0 0 1,540
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   2,366 403 SH   SOLE   0 0 403
BANCO SANTANDER S.A. ADR 05964H105   2,623 797 SH   SOLE   0 0 797
BARCLAYS PLC ADR 06738E204   2,029 196 SH   SOLE   0 0 196
BERKLEY W R CORP COM 084423102   2,225 27 SH   SOLE   0 0 27
BEST BUY INC COM 086516101   1,728 17 SH   SOLE   0 0 17
BK OF AMERICA CORP COM 060505104   38,217 859 SH   SOLE   0 0 859
BERKSHIRE HATHAWAY COM 084670702   40,066 118 SH   SOLE   0 0 118
BLACKROCK INC COM 09247X101   4,578 5 SH   SOLE   0 0 5
BOSTON SCIENTIFIC CORP COM 101137107   2,040 48 SH   SOLE   0 0 48
BP PLC SPONSORED ADR 055622104   1,518 57 SH   SOLE   0 0 57
BROADCOM INC COM 11135F101   9,982 15 SH   SOLE   0 0 15
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   2,926 16 SH   SOLE   0 0 16
CAPITAL ONE FINL CORP COM 14040H105   10,012 69 SH   SOLE   0 0 69
CARMAX INC COM 143130102   2,475 19 SH   SOLE   0 0 19
CARRIER GLOBAL CORPORATION COM 14448C104   13,615 251 SH   SOLE   0 0 251
CELANESE CORP DEL COM 150870103   3,698 22 SH   SOLE   0 0 22
CERIDIAN HCM HLDG INC COM 15677J108   2,090 20 SH   SOLE   0 0 20
CHEVRON CORP NEW COM 166764100   9,036 77 SH   SOLE   0 0 77
CHURCH & DWIGHT CO INC COM 171340102   22,858 223 SH   SOLE   0 0 223
CINTAS CORP COM 172908105   2,216 5 SH   SOLE   0 0 5
CISCO SYS INC COM 17275R102   18,948 299 SH   SOLE   0 0 299
CITIGROUP INC COM NEW 172967424   16,608 275 SH   SOLE   0 0 275
COGENT COMMUNICATIONS HLDGS COM NEW 19239V302   3,659 50 SH   SOLE   0 0 50
CONSTELLATION BRANDS INC CL A 21036P108   14,557 58 SH   SOLE   0 0 58
CROWN CASTLE INTL CORP NEW COM 22822V101   1,879 9 SH   SOLE   0 0 9
DANAHER CORPORATION COM 235851102   2,962 9 SH   SOLE   0 0 9
DELL TECHNOLOGIES INC CL C 24703L202   4,943 88 SH   SOLE   0 0 88
DEXCOM INC COM 252131107   537 1 SH   SOLE   0 0 1
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   738,750 14,775 SH   SOLE   0 0 14,775
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,832,144 339,391 SH   SOLE   0 0 339,391
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,962,200 151,750 SH   SOLE   0 0 151,750
DISNEY WALT CO COM 254687106   15,489 100 SH   SOLE   0 0 100
DOLLAR GEN CORP NEW COM 256677105   2,123 9 SH   SOLE   0 0 9
DTE ENERGY CO COM 233331107   3,945 33 SH   SOLE   0 0 33
EDWARDS LIFESCIENCES CORP COM 28176E108   3,110 24 SH   SOLE   0 0 24
ELANCO ANIMAL HEALTH INC COM 28414H103   965 34 SH   SOLE   0 0 34
EXACT SCIENCES CORP COM 30063P105   17,979 231 SH   SOLE   0 0 231
FIDELITY NATL INFORMATION SV COM 31620M106   31,108 285 SH   SOLE   0 0 285
FISERV INC COM 337738108   46,914 452 SH   SOLE   0 0 452
GARMIN LTD SHS H2906T109   5,856 43 SH   SOLE   0 0 43
GILDAN ACTIVEWEAR INC COM 375916103   1,781 42 SH   SOLE   0 0 42
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   37,809 1,052 SH   SOLE   0 0 1,052
GODADDY INC CL A 380237107   2,716 32 SH   SOLE   0 0 32
HONDA MOTOR LTD AMERN SHS 438128308   1,992 70 SH   SOLE   0 0 70
HONEYWELL INTL INC COM 438516106   20,643 99 SH   SOLE   0 0 99
HUNT J B TRANS SVCS INC COM 445658107   2,862 14 SH   SOLE   0 0 14
INGERSOLL RAND INC COM 45687V106   6,064 98 SH   SOLE   0 0 98
INTUITIVE SURGICAL INC COM NEW 46120E602   5,390 15 SH   SOLE   0 0 15
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   16,734 276 SH   SOLE   0 0 276
ISHARES INC CORE MSCI EMKT 46434G103   19,994 334 SH   SOLE   0 0 334
ISHARES INC MSCI CDA ETF 464286509   8,378 218 SH   SOLE   0 0 218
ISHARES INC MSCI EURZONE ETF 464286608   29,112 594 SH   SOLE   0 0 594
ISHARES INC MSCI PAC JP ETF 464286665   12,514 262 SH   SOLE   0 0 262
ISHARES INC MSCI SWEDEN ETF 464286756   2,873 62 SH   SOLE   0 0 62
ISHARES INC MSCI SWITZERLAND 464286749   9,545 181 SH   SOLE   0 0 181
ISHARES TR CORE S&P500 ETF 464287200   531,367 1,114 SH   SOLE   0 0 1,114
ISHARES TR MSCI UK ETF NEW 46435G334   18,625 562 SH   SOLE   0 0 562
ISHARES TR RUS 1000 VAL ETF 464287598   220,891 1,315 SH   SOLE   0 0 1,315
ISHARES TR RUS 2000 VAL ETF 464287630   69,282 417 SH   SOLE   0 0 417
ISHARES TR RUS MDCP VAL ETF 464287473   13,462 110 SH   SOLE   0 0 110
ISHARES TR SELECT DIVID ETF 464287168   138,602 1,131 SH   SOLE   0 0 1,131
JOHNSON & JOHNSON COM 478160104   12,489 73 SH   SOLE   0 0 73
JPMORGAN CHASE & CO COM 46625H100   27,395 173 SH   SOLE   0 0 173
KOHLS CORP COM 500255104   16,052 325 SH   SOLE   0 0 325
LILLY ELI & CO COM 532457108   1,934 7 SH   SOLE   0 0 7
MARVELL TECHNOLOGY INC COM 573874104   26,160 299 SH   SOLE   0 0 299
MASTERCARD INCORPORATED CL A 57636Q104   1,078 3 SH   SOLE   0 0 3
MCDONALDS CORP COM 580135101   4,826 18 SH   SOLE   0 0 18
MICROSOFT CORP COM 594918104   70,628 210 SH   SOLE   0 0 210
MSCI INC COM 55354G100   3,064 5 SH   SOLE   0 0 5
NATIONAL INSTRS CORP COM 636518102   1,180 27 SH   SOLE   0 0 27
NEKTAR THERAPEUTICS COM 640268108   1,338 99 SH   SOLE   0 0 99
NEUROCRINE BIOSCIENCES INC COM 64125C109   852 10 SH   SOLE   0 0 10
NEW IRELAND FD INC COM 645673104   4,755 426 SH   SOLE   0 0 426
NORFOLK SOUTHN CORP COM 655844108   6,550 22 SH   SOLE   0 0 22
NUTRIEN LTD COM 67077M108   3,084 41 SH   SOLE   0 0 41
ON SEMICONDUCTOR CORP COM 682189105   3,804 56 SH   SOLE   0 0 56
ONEOK INC NEW COM 682680103   2,586 44 SH   SOLE   0 0 44
PIPER SANDLER COMPANIES COM 724078100   4,106 23 SH   SOLE   0 0 23
POSCO SPONSORED ADR 693483109   1,399 24 SH   SOLE   0 0 24
PROCTER AND GAMBLE CO COM 742718109   211,837 1,295 SH   SOLE   0 0 1,295
QUALCOMM INC COM 747525103   5,669 31 SH   SOLE   0 0 31
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,119 13 SH   SOLE   0 0 13
S&P GLOBAL INC COM 78409V104   4,248 9 SH   SOLE   0 0 9
SALESFORCE COM INC COM 79466L302   41,932 165 SH   SOLE   0 0 165
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   58,480 1,132 SH   SOLE   0 0 1,132
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   5,378,837 95,811 SH   SOLE   0 0 95,811
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,674 330 SH   SOLE   0 0 330
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,114,292 10,882 SH   SOLE   0 0 10,882
SELECT SECTOR SPDR TR ENERGY 81369Y506   46,343 835 SH   SOLE   0 0 835
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,827 98 SH   SOLE   0 0 98
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   91,949 869 SH   SOLE   0 0 869
SEMPRA COM 816851109   38,097 288 SH   SOLE   0 0 288
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102   4,257 69 SH   SOLE   0 0 69
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100   650 21 SH   SOLE   0 0 21
SOUTHWEST AIRLS CO COM 844741108   17,136 400 SH   SOLE   0 0 400
SPDR GOLD TR GOLD SHS 78463V107   78,471 459 SH   SOLE   0 0 459
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   31,045 851 SH   SOLE   0 0 851
SPDR S&P 500 ETF TR TR UNIT 78462F103   85,059 179 SH   SOLE   0 0 179
SS&C TECHNOLOGIES HLDGS INC COM 78467J100   3,280 40 SH   SOLE   0 0 40
STARBUCKS CORP COM 855244109   351 3 SH   SOLE   0 0 3
SUN CMNTYS INC COM 866674104   3,150 15 SH   SOLE   0 0 15
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   36,214 301 SH   SOLE   0 0 301
TE CONNECTIVITY LTD SHS H84989104   323 2 SH   SOLE   0 0 2
TELEFLEX INCORPORATED COM 879369106   3,942 12 SH   SOLE   0 0 12
TERMINIX GLOBAL HOLDINGS INC COM 88087E100   1,086 24 SH   SOLE   0 0 24
TEXAS INSTRS INC COM 882508104   3,581 19 SH   SOLE   0 0 19
TRANSUNION COM 89400J107   1,068 9 SH   SOLE   0 0 9
TRUIST FINL CORP COM 89832Q109   11,066 189 SH   SOLE   0 0 189
UBS GROUP AG SHS H42097107   1,680 94 SH   SOLE   0 0 94
UNDER ARMOUR INC CL A 904311107   318 15 SH   SOLE   0 0 15
UNDER ARMOUR INC CL C 904311206   1,083 60 SH   SOLE   0 0 60
UNITED PARCEL SERVICE INC CL B 911312106   221,628 1,034 SH   SOLE   0 0 1,034
UNITEDHEALTH GROUP INC COM 91324P102   3,013 6 SH   SOLE   0 0 6
US BANCORP DEL COM NEW 902973304   177,498 3,160 SH   SOLE   0 0 3,160
VALERO ENERGY CORP COM 91913Y100   2,254 30 SH   SOLE   0 0 30
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   15,779,634 195,220 SH   SOLE   0 0 195,220
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   24,930,862 451,974 SH   SOLE   0 0 451,974
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   41,349 226 SH   SOLE   0 0 226
VANGUARD INDEX FDS GROWTH ETF 922908736   2,494,627 7,774 SH   SOLE   0 0 7,774
VANGUARD INDEX FDS LARGE CAP ETF 922908637   64,231,414 290,614 SH   SOLE   0 0 290,614
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   11,392 76 SH   SOLE   0 0 76
VANGUARD INDEX FDS MID CAP ETF 922908629   1,253,966 4,922 SH   SOLE   0 0 4,922
VANGUARD INDEX FDS SM CP VAL ETF 922908611   17,885 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS SMALL CP ETF 922908751   33,804,666 149,572 SH   SOLE   0 0 149,572
VANGUARD INDEX FDS TOTAL STK MKT 922908769   512,818 2,124 SH   SOLE   0 0 2,124
VANGUARD INDEX FDS VALUE ETF 922908744   2,706,234 18,396 SH   SOLE   0 0 18,396
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   30,145,163 491,925 SH   SOLE   0 0 491,925
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   45,557 921 SH   SOLE   0 0 921
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   11,539,428 86,141 SH   SOLE   0 0 86,141
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   72,097 1,313 SH   SOLE   0 0 1,313
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   22,610,055 340,155 SH   SOLE   0 0 340,155
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   27,960,645 301,430 SH   SOLE   0 0 301,430
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,831,119 33,951 SH   SOLE   0 0 33,951
VANGUARD STAR FDS VG TL INTL STK F 921909768   507,746 7,987 SH   SOLE   0 0 7,987
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   365,735 3,262 SH   SOLE   0 0 3,262
VANGUARD WORLD FD ESG INTL STK ETF 921910725   390,989 6,304 SH   SOLE   0 0 6,304
VISA INC COM CL A 92826C839   28,390 131 SH   SOLE   0 0 131
VISTEON CORP COM NEW 92839U206   1,001 9 SH   SOLE   0 0 9
VMWARE INC CL A COM 928563402   4,404 38 SH   SOLE   0 0 38
WABTEC COM 929740108   1,566 17 SH   SOLE   0 0 17
WALMART INC COM 931142103   16,350 113 SH   SOLE   0 0 113
WASTE MGMT INC DEL COM 94106L109   2,671 16 SH   SOLE   0 0 16
WEC ENERGY GROUP INC COM 92939U106   181,425 1,869 SH   SOLE   0 0 1,869
ZOETIS INC CL A 98978V103   2,929 12 SH   SOLE   0 0 12