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
WHITE MTNS INS GROUP LTD COM G9618E107   520,800 300 SH   SOLE   0 0 300
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   12,322,737 196,222 SH   SOLE   0 0 196,222
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   7,752,058 123,934 SH   SOLE   0 0 123,934
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,160,639 92,472 SH   SOLE   0 0 92,472
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   3,963,640 158,103 SH   SOLE   0 0 158,103
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,358,876 41,773 SH   SOLE   0 0 41,773
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   6,067,863 222,103 SH   SOLE   0 0 222,103
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,749,672 130,485 SH   SOLE   0 0 130,485
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   389,890 15,112 SH   SOLE   0 0 15,112
INTERNATIONAL BUSINESS MACHS COM 459200101   353,229 2,002 SH   SOLE   0 0 2,002
ISHARES TR CORE S&P500 ETF 464287200   295,115 528 SH   SOLE   0 0 528
ISHARES TR NATIONAL MUN ETF 464288414   811,367 7,585 SH   SOLE   0 0 7,585
ISHARES TR EAFE VALUE ETF 464288877   346,343 6,440 SH   SOLE   0 0 6,440
ISHARES INC ESG AWR MSCI EM 46434G863   368,501 10,675 SH   SOLE   0 0 10,675
ISHARES TR ESG AWRE 1 5 YR 46435G243   420,272 17,126 SH   SOLE   0 0 17,126
ISHARES TR ESG AWR MSCI USA 46435G425   805,282 6,605 SH   SOLE   0 0 6,605
ISHARES TR ESG AW MSCI EAFE 46435G516   562,602 7,059 SH   SOLE   0 0 7,059
ISHARES TR USD GRN BOND ETF 46435U440   616,929 13,202 SH   SOLE   0 0 13,202
ISHARES TR ESG EAFE ETF 46436E759   1,110,368 16,293 SH   SOLE   0 0 16,293
ISHARES TR ESG MSCI USA ETF 46436E767   895,670 18,896 SH   SOLE   0 0 18,896
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   837,639 22,195 SH   SOLE   0 0 22,195
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   432,340 11,117 SH   SOLE   0 0 11,117
PIMCO ETF TR INTER MUN BD ACT 72201R866   4,934,296 94,690 SH   SOLE   0 0 94,690
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,310,858 51,026 SH   SOLE   0 0 51,026
SPDR SER TR PORTFOLIO S&P500 78464A854   273,443 4,183 SH   SOLE   0 0 4,183
VANGUARD WORLD FD ESG US CORP BD 921910691   407,790 6,533 SH   SOLE   0 0 6,533
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,007,622 159,865 SH   SOLE   0 0 159,865
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,956,294 82,047 SH   SOLE   0 0 82,047
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,589,020 46,352 SH   SOLE   0 0 46,352
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   7,310,459 125,201 SH   SOLE   0 0 125,201
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   10,484,142 130,416 SH   SOLE   0 0 130,416
VANGUARD INDEX FDS TOTAL STK MKT 922908769   19,006,351 69,769 SH   SOLE   0 0 69,769
WALMART INC COM 931142103   384,372 5,499 SH   SOLE   0 0 5,499