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 EMERGING MKT VAL 025072372   3,132,770 64,262 SH   SOLE   0 0 64,262
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   6,124,087 116,783 SH   SOLE   0 0 116,783
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,093,090 16,830 SH   SOLE   0 0 16,830
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   11,962,368 190,362 SH   SOLE   0 0 190,362
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,458,918 38,552 SH   SOLE   0 0 38,552
ISHARES TR 0-5 YR TIPS ETF 46429B747   13,354,146 134,226 SH   SOLE   0 0 134,226
ISHARES TR GNMA BOND ETF 46429B333   18,735,083 434,991 SH   SOLE   0 0 434,991
ISHARES TR MBS ETF 464288588   18,710,195 203,793 SH   SOLE   0 0 203,793
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   2,360,240 79,819 SH   SOLE   0 0 79,819
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   4,539,969 129,602 SH   SOLE   0 0 129,602
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   778,399 22,394 SH   SOLE   0 0 22,394
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   8,973,965 133,980 SH   SOLE   0 0 133,980
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   2,659,346 48,422 SH   SOLE   0 0 48,422
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,406,816 109,405 SH   SOLE   0 0 109,405
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,323,999 53,108 SH   SOLE   0 0 53,108
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,604,313 82,626 SH   SOLE   0 0 82,626
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,561,931 43,221 SH   SOLE   0 0 43,221
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315   939,760 18,159 SH   SOLE   0 0 18,159
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299   1,957,858 35,254 SH   SOLE   0 0 35,254
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   4,392,697 71,137 SH   SOLE   0 0 71,137
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   869,242 25,979 SH   SOLE   0 0 25,979
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,975,855 59,983 SH   SOLE   0 0 59,983
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   4,291,270 123,100 SH   SOLE   0 0 123,100
ISHARES TR ESG AWARE MSCI 46435U663   633,072 16,443 SH   SOLE   0 0 16,443
VANGUARD WORLD FD ESG INTL STK ETF 921910725   1,398,359 24,417 SH   SOLE   0 0 24,417
VANGUARD WORLD FD ESG US CORP BD 921910691   2,259,657 36,411 SH   SOLE   0 0 36,411
VANGUARD WORLD FD ESG US STK ETF 921910733   1,521,906 15,751 SH   SOLE   0 0 15,751
ISHARES TR NATIONAL MUN ETF 464288414   355,877 3,340 SH   SOLE   0 0 3,340
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   248,546 4,960 SH   SOLE   0 0 4,960
ISHARES TR 0-3 MNTH TREASRY 46436E718   251,775 2,500 SH   SOLE   0 0 2,500