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 AVANTIS EMGMKT 025072604   5,720 101,438 SH   SOLE 0 0 0 101,438
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,363 85,829 SH   SOLE 0 0 0 85,829
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   3,817 88,126 SH   SOLE 0 0 0 88,126
AMERICAN CENTY ETF TR US SML CP VALU 025072877   10,600 118,035 SH   SOLE 0 0 0 118,035
APPLE INC COM 037833100   479 2,488 SH   SOLE 0 0 0 2,488
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,852 154,315 SH   SOLE 0 0 0 154,315
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   3,412 132,315 SH   SOLE 0 0 0 132,315
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   8,054 276,582 SH   SOLE 0 0 0 276,582
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   685 26,382 SH   SOLE 0 0 0 26,382
ELI LILLY & CO COM 532457108   362 621 SH   SOLE 0 0 0 621
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   489 7,195 SH   SOLE 0 0 0 7,195
IMPACT SHS TR I NAACP MINO ETF 45259A209   366 10,780 SH   SOLE 0 0 0 10,780
INVESCO QQQ TR UNIT SER 1 46090E103   613 1,497 SH   SOLE 0 0 0 1,497
ISHARES INC FRONTIER AND SEL 464286145   4,035 153,409 SH   SOLE 0 0 0 153,409
ISHARES INC ESG AWR MSCI EM 46434G863   258 8,053 SH   SOLE 0 0 0 8,053
ISHARES INC CORE MSCI EMKT 46434G103   398 7,862 SH   SOLE 0 0 0 7,862
ISHARES TR 0-5 YR TIPS ETF 46429B747   3,770 38,242 SH   SOLE 0 0 0 38,242
ISHARES TR ISHS 1-5YR INVS 464288646   1,663 32,432 SH   SOLE 0 0 0 32,432
ISHARES TR GLOBAL REIT ETF 46434V647   214 8,837 SH   SOLE 0 0 0 8,837
ISHARES TR ESG MSCI USA ETF 46436E767   1,101 27,649 SH   SOLE 0 0 0 27,649
ISHARES TR ESG EAFE ETF 46436E759   1,154 18,068 SH   SOLE 0 0 0 18,068
ISHARES TR NATIONAL MUN ETF 464288414   6,758 62,336 SH   SOLE 0 0 0 62,336
ISHARES TR SHRT NAT MUN ETF 464288158   1,969 18,678 SH   SOLE 0 0 0 18,678
ISHARES TR ISHS 5-10YR INVT 464288638   603 11,604 SH   SOLE 0 0 0 11,604
ISHARES TR ESG AW MSCI EAFE 46435G516   969 12,833 SH   SOLE 0 0 0 12,833
ISHARES TR RUS MID CAP ETF 464287499   360 4,631 SH   SOLE 0 0 0 4,631
ISHARES TR CORE S&P500 ETF 464287200   6,093 12,757 SH   SOLE 0 0 0 12,757
LOWES COS INC COM 548661107   1,149 5,161 SH   SOLE 0 0 0 5,161
MICROSOFT CORP COM 594918104   251 666 SH   SOLE 0 0 0 666
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,241 34,545 SH   SOLE 0 0 0 34,545
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   804 11,580 SH   SOLE 0 0 0 11,580
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   428 10,947 SH   SOLE 0 0 0 10,947
PHYSICIANS RLTY TR COM 71943U104   1,314 98,700 SH   SOLE 0 0 0 98,700
PIMCO ETF TR INTER MUN BD ACT 72201R866   4,907 92,938 SH   SOLE 0 0 0 92,938
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   936 25,319 SH   SOLE 0 0 0 25,319
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,337 26,893 SH   SOLE 0 0 0 26,893
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   409 8,781 SH   SOLE 0 0 0 8,781
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   9,020 162,017 SH   SOLE 0 0 0 162,017
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   244 1,270 SH   SOLE 0 0 0 1,270
SPDR GOLD TR GOLD SHS 78463V107   2,788 14,583 SH   SOLE 0 0 0 14,583
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,597 76,365 SH   SOLE 0 0 0 76,365
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,491 3,136 SH   SOLE 0 0 0 3,136
SPDR SER TR PORTFOLI S&P1500 78464A805   9,083 155,392 SH   SOLE 0 0 0 155,392
SPDR SER TR PORTFLI INTRMDIT 78464A672   4,877 170,757 SH   SOLE 0 0 0 170,757
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,056 24,681 SH   SOLE 0 0 0 24,681
SPDR SER TR NUVEEN BLMBRG SH 78468R739   534 11,167 SH   SOLE 0 0 0 11,167
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,164 23,581 SH   SOLE 0 0 0 23,581
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   245 4,954 SH   SOLE 0 0 0 4,954
VANGUARD INDEX FDS TOTAL STK MKT 922908769   13,149 55,431 SH   SOLE 0 0 0 55,431
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   313 3,544 SH   SOLE 0 0 0 3,544
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   102 1,152 SH   SOLE 0 0 0 1,152
VANGUARD INDEX FDS SMALL CP ETF 922908751   0 1 SH   SOLE 0 0 0 1
VANGUARD INDEX FDS SMALL CP ETF 922908751   208 975 SH   SOLE 0 0 0 975
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   223 511 SH   SOLE 0 0 0 511
VANGUARD INDEX FDS LARGE CAP ETF 922908637   662 3,036 SH   SOLE 0 0 0 3,036
VANGUARD INDEX FDS MID CAP ETF 922908629   205 880 SH   SOLE 0 0 0 880
VANGUARD INDEX FDS MID CAP ETF 922908629   24 104 SH   SOLE 0 0 0 104
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,001 36,500 SH   SOLE 0 0 0 36,500
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,350 11,735 SH   SOLE 0 0 0 11,735
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,248 54,704 SH   SOLE 0 0 0 54,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   148 3,607 SH   SOLE 0 0 0 3,607
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,805 71,417 SH   SOLE 0 0 0 71,417
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   173 2,130 SH   SOLE 0 0 0 2,130
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,714 86,775 SH   SOLE 0 0 0 86,775
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   171 2,204 SH   SOLE 0 0 0 2,204
VANGUARD STAR FDS VG TL INTL STK F 921909768   6,549 113,000 SH   SOLE 0 0 0 113,000
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,646 368,383 SH   SOLE 0 0 0 368,383
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   296 6,178 SH   SOLE 0 0 0 6,178
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   267 2,391 SH   SOLE 0 0 0 2,391
VANGUARD WORLD FD MEGA CAP INDEX 921910873   5,355 31,633 SH   SOLE 0 0 0 31,633