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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 332 136 SH   SOLE   0 0 136
ALPHABET INC CAP STK CL C 02079K107 281 112 SH   SOLE   0 0 112
AMAZON COM INC COM 023135106 4,844 1,408 SH   SOLE   0 0 1,408
APPLE INC COM 037833100 2,779 20,291 SH   SOLE   0 0 20,291
BERKSHIRE HATHAWAY INC DEL CL A 084670108 419 1 SH   SOLE   0 0 1
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 243 5,420 SH   SOLE   0 0 5,420
GERON CORP COM 374163103 19 13,255 SH   SOLE   0 0 13,255
INVESCO QQQ TR UNIT SER 1 46090E103 237 669 SH   SOLE   0 0 669
ISHARES INC CORE MSCI EMKT 46434G103 2,924 43,648 SH   SOLE   0 0 43,648
ISHARES TR RUS 2000 VAL ETF 464287630 61,383 370,290 SH   SOLE   0 0 370,290
ISHARES TR CORE S&P500 ETF 464287200 573 1,334 SH   SOLE   0 0 1,334
ISHARES TR NATIONAL MUN ETF 464288414 30,500 260,239 SH   SOLE   0 0 260,239
ISHARES TR CORE US AGGBD ET 464287226 6,197 53,732 SH   SOLE   0 0 53,732
ISHARES TR IBOXX INV CP ETF 464287242 25,702 191,295 SH   SOLE   0 0 191,295
ISHARES TR CORE DIV GRWTH 46434V621 3,160 62,752 SH   SOLE   0 0 62,752
ISHARES TR CORE MSCI EAFE 46432F842 10,540 140,801 SH   SOLE   0 0 140,801
ISHARES TR CORE S&P TTL STK 464287150 14,135 143,122 SH   SOLE   0 0 143,122
ISHARES TR S&P 500 GRWT ETF 464287309 258 3,552 SH   SOLE   0 0 3,552
MICROSOFT CORP COM 594918104 205 759 SH   SOLE   0 0 759
NVIDIA CORPORATION COM 67066G104 237 296 SH   SOLE   0 0 296
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 256 1,754 SH   SOLE   0 0 1,754
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,489 19,689 SH   SOLE   0 0 19,689
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,694 49,340 SH   SOLE   0 0 49,340
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,325 84,280 SH   SOLE   0 0 84,280
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 298 2,863 SH   SOLE   0 0 2,863
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 489 4,700 SH   SOLE   0 0 4,700
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,096 33,340 SH   SOLE   0 0 33,340
SCHWAB STRATEGIC TR US REIT ETF 808524847 435 9,493 SH   SOLE   0 0 9,493
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,406 51,842 SH   SOLE   0 0 51,842
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,237 169,525 SH   SOLE   0 0 169,525
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,157 47,406 SH   SOLE   0 0 47,406
SPDR S&P 500 ETF TR TR UNIT 78462F103 915 2,137 SH   SOLE   0 0 2,137
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,990 34,887 SH   SOLE   0 0 34,887
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,096 203,126 SH   SOLE   0 0 203,126
SPDR SER TR PORTFOLI S&P1500 78464A805 9,931 187,492 SH   SOLE   0 0 187,492
SPDR SER TR NUVEEN BRC MUNIC 78468R721 237 4,554 SH   SOLE   0 0 4,554
SPDR SER TR PRTFLO S&P500 VL 78464A508 431 10,905 SH   SOLE   0 0 10,905
SPDR SER TR PORTFOLIO S&P500 78464A854 2,789 55,420 SH   SOLE   0 0 55,420
TESLA INC COM 88160R101 451 664 SH   SOLE   0 0 664
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 64,684 753,106 SH   SOLE   0 0 753,106
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 64,826 1,135,311 SH   SOLE   0 0 1,135,311
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,775 10,222 SH   SOLE   0 0 10,222
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,345 23,033 SH   SOLE   0 0 23,033
VANGUARD INDEX FDS VALUE ETF 922908744 62,121 451,920 SH   SOLE   0 0 451,920
VANGUARD INDEX FDS TOTAL STK MKT 922908769 120,002 538,560 SH   SOLE   0 0 538,560
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 885 2,250 SH   SOLE   0 0 2,250
VANGUARD INDEX FDS GROWTH ETF 922908736 206 718 SH   SOLE   0 0 718
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 40,869 290,885 SH   SOLE   0 0 290,885
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39,993 736,387 SH   SOLE   0 0 736,387
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 275 4,969 SH   SOLE   0 0 4,969
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 108,832 2,112,422 SH   SOLE   0 0 2,112,422
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,751 26,258 SH   SOLE   0 0 26,258
VANGUARD WORLD FD ESG US STK ETF 921910733 4,334 54,191 SH   SOLE   0 0 54,191
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,266 35,332 SH   SOLE   0 0 35,332