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
AFLAC INC COM 001055102   205,692 3,660 SH   SOLE   3,660 0 0
AMAZON COM INC COM 023135106   598,900 5,300 SH   SOLE   5,300 0 0
AMCOR PLC ORD G0250X107   113,502 10,578 SH   SOLE   10,578 0 0
APPLE INC COM 037833100   586,751 4,246 SH   SOLE   4,245 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   812,940 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   633,905 2,374 SH   SOLE   2,374 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   25,590,386 764,348 SH   SOLE   764,348 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   20,643,314 801,371 SH   SOLE   801,370 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   30,077,143 1,015,777 SH   SOLE   1,015,776 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,066,657 22,929 SH   SOLE   22,928 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,086,991 104,875 SH   SOLE   104,875 0 0
EXXON MOBIL CORP COM 30231G102   530,845 6,080 SH   SOLE   6,080 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,097,567 45,885 SH   SOLE   45,884 0 0
ISHARES INC CORE MSCI EMKT 46434G103   6,286,945 146,276 SH   SOLE   146,276 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,171,644 38,772 SH   SOLE   38,772 0 0
ISHARES TR RUS 1000 ETF 464287622   21,705,446 109,996 SH   SOLE   109,995 0 0
ISHARES TR SP SMCP600VL ETF 464287879   601,389 7,294 SH   SOLE   7,293 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   22,948,258 239,069 SH   SOLE   239,069 0 0
ISHARES TR EAFE SML CP ETF 464288273   5,589,947 114,595 SH   SOLE   114,595 0 0
ISHARES TR HDG MSCI EAFE 46434V803   23,086,779 772,391 SH   SOLE   772,391 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   692,417 6,059 SH   SOLE   6,058 0 0
ISHARES TR CORE S&P500 ETF 464287200   23,919,593 66,693 SH   SOLE   66,693 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   499,140 2,372 SH   SOLE   2,372 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   268,424 4,640 SH   SOLE   4,640 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,384,534 20,522 SH   SOLE   20,522 0 0
ISHARES TR INTL DEVPPTY ETF 464288422   351,263 14,149 SH   SOLE   14,149 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   40,672,828 391,311 SH   SOLE   391,310 0 0
ISHARES TR U.S. REAL ES ETF 464287739   451,671 5,547 SH   SOLE   5,547 0 0
ISHARES TR CORE MSCI EAFE 46432F842   271,153 5,148 SH   SOLE   5,148 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,867,716 53,547 SH   SOLE   53,546 0 0
ISHARES TR MICRO-CAP ETF 464288869   6,352,114 61,438 SH   SOLE   61,438 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   303,389 2,231 SH   SOLE   2,230 0 0
MICROSOFT CORP COM 594918104   355,378 1,526 SH   SOLE   1,525 0 0
OCCIDENTAL PETE CORP COM 674599105   312,493 5,085 SH   SOLE   5,085 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   292,127 10,385 SH   SOLE   10,384 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   482,664 21,547 SH   SOLE   21,547 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   794,376 18,757 SH   SOLE   18,757 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,731,795 146,163 SH   SOLE   146,163 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   236,114 8,509 SH   SOLE   8,508 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   2,723,231 112,950 SH   SOLE   112,950 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   502,575 1,407 SH   SOLE   1,407 0 0
UNITEDHEALTH GROUP INC COM 91324P102   250,153 495 SH   SOLE   495 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   530,415 2,822 SH   SOLE   2,821 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,378,873 8,068 SH   SOLE   8,067 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,564,658 26,088 SH   SOLE   26,087 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   390,566 3,163 SH   SOLE   3,162 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   303,211 1,854 SH   SOLE   1,853 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,155,695 164,097 SH   SOLE   164,097 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   215,367 1,200 SH   SOLE   1,200 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   822,257 8,860 SH   SOLE   8,859 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,662,723 45,567 SH   SOLE   45,566 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   269,042 4,614 SH   SOLE   4,614 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,425,634 121,717 SH   SOLE   121,717 0 0
WISDOMTREE TR JP SMALLCP DIV 97717W836   7,051,043 123,876 SH   SOLE   123,876 0 0