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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
AMAZON COM INC COM 023135106   7,477,833 41,456 SH   SOLE   0 0 41,456
APPLE INC COM 037833100   567,175 3,308 SH   SOLE   0 0 3,308
ARCHER DANIELS MIDLAND CO COM 039483102   2,489,977 39,643 SH   SOLE   0 0 39,643
BROADCOM INC COM 11135F101   259,780 196 SH   SOLE   0 0 196
CHEVRON CORP NEW COM 166764100   268,947 1,705 SH   SOLE   0 0 1,705
COSTCO WHSL CORP NEW COM 22160K105   278,399 380 SH   SOLE   0 0 380
DBX ETF TR XTRACK USD HIGH 233051432   2,480,559 69,464 SH   SOLE   0 0 69,464
EDWARDS LIFESCIENCES CORP COM 28176E108   229,344 2,400 SH   SOLE   0 0 2,400
ENTERPRISE PRODS PARTNERS L COM 293792107   211,263 7,240 SH   SOLE   0 0 7,240
FRANKLIN TEMPLETON ETF TR FTSE EUROPE 35473P652   250,946 8,438 SH   SOLE   0 0 8,438
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,967,024 17,518 SH   SOLE   0 0 17,518
ISHARES INC CORE MSCI EMKT 46434G103   7,980,662 154,664 SH   SOLE   0 0 154,664
ISHARES TR NATIONAL MUN ETF 464288414   9,041,305 84,027 SH   SOLE   0 0 84,027
ISHARES TR JPMORGAN USD EMG 464288281   1,941,536 21,652 SH   SOLE   0 0 21,652
ISHARES TR CORE MSCI EAFE 46432F842   20,873,113 281,233 SH   SOLE   0 0 281,233
MICROSOFT CORP COM 594918104   1,026,552 2,440 SH   SOLE   0 0 2,440
NIKE INC CL B 654106103   297,480 3,165 SH   SOLE   0 0 3,165
NVIDIA CORPORATION COM 67066G104   272,875 302 SH   SOLE   0 0 302
PIMCO ETF TR INTER MUN BD ACT 72201R866   935,173 17,823 SH   SOLE   0 0 17,823
PROCTER AND GAMBLE CO COM 742718109   264,468 1,630 SH   SOLE   0 0 1,630
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,400,543 144,527 SH   SOLE   0 0 144,527
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   13,508,028 177,784 SH   SOLE   0 0 177,784
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   845,078 13,617 SH   SOLE   0 0 13,617
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   493,183 2,368 SH   SOLE   0 0 2,368
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,701,819 3,254 SH   SOLE   0 0 3,254
SPDR SER TR NUVEEN BLOOMBERG 78464A284   265,609 10,339 SH   SOLE   0 0 10,339
STARBUCKS CORP COM 855244109   262,457 2,872 SH   SOLE   0 0 2,872
TESLA INC COM 88160R101   1,304,713 7,422 SH   SOLE   0 0 7,422
VALERO ENERGY CORP COM 91913Y100   217,288 1,273 SH   SOLE   0 0 1,273
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,862,964 35,648 SH   SOLE   0 0 35,648
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,963,865 80,125 SH   SOLE   0 0 80,125
VANGUARD BD INDEX FDS INTERMED TERM 921937819   249,644 3,311 SH   SOLE   0 0 3,311
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   88,866,498 1,223,551 SH   SOLE   0 0 1,223,551
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   51,041,252 665,727 SH   SOLE   0 0 665,727
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,412,350 69,371 SH   SOLE   0 0 69,371
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,915,695 20,407 SH   SOLE   0 0 20,407
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   229,849 975 SH   SOLE   0 0 975
VANGUARD INDEX FDS VALUE ETF 922908744   6,158,225 37,813 SH   SOLE   0 0 37,813
VANGUARD INDEX FDS GROWTH ETF 922908736   85,399,541 248,110 SH   SOLE   0 0 248,110
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,850,313 14,768 SH   SOLE   0 0 14,768
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,079,553 12,483 SH   SOLE   0 0 12,483
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,206,893 4,591 SH   SOLE   0 0 4,591
VANGUARD INDEX FDS TOTAL STK MKT 922908769   655,236 2,521 SH   SOLE   0 0 2,521
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,748,597 20,773 SH   SOLE   0 0 20,773
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   460,863 7,858 SH   SOLE   0 0 7,858
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   266,407 6,322 SH   SOLE   0 0 6,322
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,967,401 142,863 SH   SOLE   0 0 142,863
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   408,378 8,527 SH   SOLE   0 0 8,527
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   16,109,181 88,216 SH   SOLE   0 0 88,216
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,784,585 234,893 SH   SOLE   0 0 234,893
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   77,474,975 640,342 SH   SOLE   0 0 640,342
VANGUARD WORLD FD ESG US STK ETF 921910733   205,018 2,200 SH   SOLE   0 0 2,200
VANGUARD WORLD FD ESG INTL STK ETF 921910725   217,007 3,776 SH   SOLE   0 0 3,776
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   460,823 3,856 SH   SOLE   0 0 3,856