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
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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
ISHARES TR S&P 500 VAL ETF 464287408   9,422,829 47,790 SH   SOLE   0 0 47,790
ISHARES TR CORE S&P500 ETF 464287200   4,067,170 7,051 SH   SOLE   0 0 7,051
ISHARES TR MSCI EAFE ETF 464287465   3,971,817 47,493 SH   SOLE   0 0 47,493
ISHARES TR 1 3 YR TREAS BD 464287457   8,076,180 97,128 SH   SOLE   0 0 97,128
VANGUARD INDEX FDS TOTAL STK MKT 922908769   109,410,434 386,391 SH   SOLE   0 0 386,391
ISHARES TR MSCI EMG MKT ETF 464287234   2,479,347 54,063 SH   SOLE   0 0 54,063
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   29,996,294 626,882 SH   SOLE   0 0 626,882
ISHARES TR CORE US AGGBD ET 464287226   62,736,983 619,502 SH   SOLE   0 0 619,502
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   40,514,441 516,832 SH   SOLE   0 0 516,832
VANGUARD INDEX FDS VALUE ETF 922908744   96,649,047 553,641 SH   SOLE   0 0 553,641
VANGUARD INDEX FDS SM CP VAL ETF 922908611   116,497,270 580,223 SH   SOLE   0 0 580,223
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   48,592,293 498,792 SH   SOLE   0 0 498,792
VANGUARD INDEX FDS SMALL CP ETF 922908751   99,112,424 417,826 SH   SOLE   0 0 417,826
ISHARES TR MICRO-CAP ETF 464288869   4,203,449 34,086 SH   SOLE   0 0 34,086
ISHARES TR EAFE VALUE ETF 464288877   7,524,907 130,800 SH   SOLE   0 0 130,800
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   40,382,826 567,972 SH   SOLE   0 0 567,972
WISDOMTREE TR US HIGH DIVIDEND 97717W208   269,342 2,871 SH   SOLE   0 0 2,871
ISHARES TR CORE S&P TTL STK 464287150   397,999 3,168 SH   SOLE   0 0 3,168
VANGUARD INDEX FDS LARGE CAP ETF 922908637   596,420 2,265 SH   SOLE   0 0 2,265
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   55,352,666 878,614 SH   SOLE   0 0 878,614
ISHARES TR IBOXX HI YD ETF 464288513   530,168 6,602 SH   SOLE   0 0 6,602
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   63,204,949 803,215 SH   SOLE   0 0 803,215
VANGUARD BD INDEX FDS INTERMED TERM 921937819   95,050,061 1,212,837 SH   SOLE   0 0 1,212,837
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   99,225,870 1,321,074 SH   SOLE   0 0 1,321,074
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   704,926 20,654 SH   SOLE   0 0 20,654
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   268,317 2,093 SH   SOLE   0 0 2,093
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   40,605,017 768,889 SH   SOLE   0 0 768,889
ISHARES TR NATIONAL MUN ETF 464288414   1,125,241 10,358 SH   SOLE   0 0 10,358
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   42,693,214 338,943 SH   SOLE   0 0 338,943
WISDOMTREE TR EMG MKTS SMCAP 97717W281   9,986,574 185,970 SH   SOLE   0 0 185,970
SPDR SER TR PORTFLI TIPS ETF 78464A656   395,220 15,039 SH   SOLE   0 0 15,039
ISHARES TR EAFE SML CP ETF 464288273   2,505,435 37,008 SH   SOLE   0 0 37,008
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,355,979 28,529 SH   SOLE   0 0 28,529
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   2,141,420 17,890 SH   SOLE   0 0 17,890
ISHARES TR GRWT ALLOCAT ETF 464289867   365,986 6,178 SH   SOLE   0 0 6,178
ISHARES TR SHRT NAT MUN ETF 464288158   2,449,883 23,071 SH   SOLE   0 0 23,071
ISHARES TR AGGRES ALLOC ETF 464289859   795,280 10,078 SH   SOLE   0 0 10,078
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   394,160 4,706 SH   SOLE   0 0 4,706
ISHARES TR RUS TOP 200 ETF 464289446   662,000 4,714 SH   SOLE   0 0 4,714
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   31,245,082 393,416 SH   SOLE   0 0 393,416
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   19,783,010 335,192 SH   SOLE   0 0 335,192
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   95,695,526 181,355 SH   SOLE   0 0 181,355
WISDOMTREE TR FUTRE STRAT FD 97717W125   2,456,746 69,164 SH   SOLE   0 0 69,164
VANGUARD STAR FDS VG TL INTL STK F 921909768   42,451,347 655,721 SH   SOLE   0 0 655,721
FLEXSHARES TR MORNSTAR USMKT 33939L100   10,737,306 50,448 SH   SOLE   0 0 50,448
ISHARES INC CORE MSCI EMKT 46434G103   254,157 4,427 SH   SOLE   0 0 4,427
ISHARES TR CORE MSCI EAFE 46432F842   414,518 5,311 SH   SOLE   0 0 5,311
FLEXSHARES TR M STAR DEV MKT 33939L803   7,623,158 101,646 SH   SOLE   0 0 101,646
FLEXSHARES TR MSTAR EMKT FAC 33939L308   1,665,789 29,180 SH   SOLE   0 0 29,180
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   31,302,277 634,806 SH   SOLE   0 0 634,806
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   31,263,275 621,783 SH   SOLE   0 0 621,783
TIMOTHY PLAN US LRGMD CP CORE 887432359   526,189 11,961 SH   SOLE   0 0 11,961
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   23,488,089 332,363 SH   SOLE   0 0 332,363
TIMOTHY PLAN INTL ETF 887432334   502,887 17,416 SH   SOLE   0 0 17,416
TIMOTHY PLAN U S SM CP CORE 887432342   254,587 6,542 SH   SOLE   0 0 6,542
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   12,004,574 437,963 SH   SOLE   0 0 437,963
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   426,883 6,863 SH   SOLE   0 0 6,863
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   48,451,104 1,412,981 SH   SOLE   0 0 1,412,981
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   5,500,446 84,805 SH   SOLE   0 0 84,805
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,551,968 99,802 SH   SOLE   0 0 99,802
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   38,874,107 1,141,007 SH   SOLE   0 0 1,141,007
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   14,298,434 516,189 SH   SOLE   0 0 516,189
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   2,318,048 79,768 SH   SOLE   0 0 79,768
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   36,525,512 1,297,993 SH   SOLE   0 0 1,297,993
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   25,355,221 945,032 SH   SOLE   0 0 945,032
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   438,928 10,528 SH   SOLE   0 0 10,528