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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 360 129 SH   SOLE 0 0 0 129
ALPHABET INC CAP STK CL C 02079K107 394 141 SH   SOLE 0 0 0 141
AMAZON COM INC COM 023135106 4,876 1,496 SH   SOLE 0 0 0 1,496
AMERICAN CENTY ETF TR US SML CP VALU 025072877 253 3,167 SH   SOLE 0 0 0 3,167
APPLE INC COM 037833100 15,679 89,793 SH   SOLE 0 0 0 89,793
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 349 989 SH   SOLE 0 0 0 989
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE 0 0 0 1
CHARGEPOINT HOLDINGS INC COM CL A 15961R105 337 16,931 SH   SOLE 0 0 0 16,931
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 252 5,420 SH   SOLE 0 0 0 5,420
DISNEY WALT CO COM 254687106 255 1,859 SH   SOLE 0 0 0 1,859
GERON CORP COM 374163103 18 12,930 SH   SOLE 0 0 0 12,930
INVESCO QQQ TR UNIT SER 1 46090E103 310 855 SH   SOLE 0 0 0 855
ISHARES INC CORE MSCI EMKT 46434G103 2,788 50,196 SH   SOLE 0 0 0 50,196
ISHARES TR CORE DIV GRWTH 46434V621 3,094 57,923 SH   SOLE 0 0 0 57,923
ISHARES TR IBOXX INV CP ETF 464287242 35,988 297,568 SH   SOLE 0 0 0 297,568
ISHARES TR CORE INTL AGGR 46435G672 851 16,320 SH   SOLE 0 0 0 16,320
ISHARES TR NATIONAL MUN ETF 464288414 52,184 475,961 SH   SOLE 0 0 0 475,961
ISHARES TR RUS 2000 VAL ETF 464287630 102,071 632,411 SH   SOLE 0 0 0 632,411
ISHARES TR CORE US AGGBD ET 464287226 6,114 57,083 SH   SOLE 0 0 0 57,083
ISHARES TR CORE S&P TTL STK 464287150 13,210 130,870 SH   SOLE 0 0 0 130,870
ISHARES TR CORE MSCI EAFE 46432F842 10,196 146,686 SH   SOLE 0 0 0 146,686
ISHARES TR RUSSELL 2000 ETF 464287655 204 992 SH   SOLE 0 0 0 992
ISHARES TR CORE S&P500 ETF 464287200 1,776 3,914 SH   SOLE 0 0 0 3,914
ISHARES TR S&P 500 GRWT ETF 464287309 225 2,952 SH   SOLE 0 0 0 2,952
ISHARES TR CORE S&P MCP ETF 464287507 259 963 SH   SOLE 0 0 0 963
LILLY ELI & CO COM 532457108 539 1,881 SH   SOLE 0 0 0 1,881
MICROSOFT CORP COM 594918104 1,576 5,113 SH   SOLE 0 0 0 5,113
NVIDIA CORPORATION COM 67066G104 410 1,502 SH   SOLE 0 0 0 1,502
R1 RCM INC COM 749397105 380 14,194 SH   SOLE 0 0 0 14,194
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,263 88,856 SH   SOLE 0 0 0 88,856
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 539 10,000 SH   SOLE 0 0 0 10,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,432 18,150 SH   SOLE 0 0 0 18,150
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 262 3,507 SH   SOLE 0 0 0 3,507
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,194 97,286 SH   SOLE 0 0 0 97,286
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,416 47,784 SH   SOLE 0 0 0 47,784
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 337 7,113 SH   SOLE 0 0 0 7,113
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 933 33,582 SH   SOLE 0 0 0 33,582
SCHWAB STRATEGIC TR US REIT ETF 808524847 476 19,141 SH   SOLE 0 0 0 19,141
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,542 190,852 SH   SOLE 0 0 0 190,852
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,149 55,612 SH   SOLE 0 0 0 55,612
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,217 2,695 SH   SOLE 0 0 0 2,695
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,900 34,806 SH   SOLE 0 0 0 34,806
SPDR SER TR PRTFLO S&P500 VL 78464A508 535 12,804 SH   SOLE 0 0 0 12,804
SPDR SER TR PORTFOLI S&P1500 78464A805 9,917 178,433 SH   SOLE 0 0 0 178,433
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,046 21,855 SH   SOLE 0 0 0 21,855
SPDR SER TR PORTFOLIO AGRGTE 78464A649 5,926 213,231 SH   SOLE 0 0 0 213,231
SPDR SER TR PORTFOLIO S&P500 78464A854 2,988 56,246 SH   SOLE 0 0 0 56,246
TESLA INC COM 88160R101 604 560 SH   SOLE 0 0 0 560
TWILIO INC CL A 90138F102 1,806 10,958 SH   SOLE 0 0 0 10,958
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 104,861 1,318,347 SH   SOLE 0 0 0 1,318,347
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 98,237 1,873,324 SH   SOLE 0 0 0 1,873,324
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,781 10,125 SH   SOLE 0 0 0 10,125
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,251 3,014 SH   SOLE 0 0 0 3,014
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 70,562 471,454 SH   SOLE 0 0 0 471,454
VANGUARD INDEX FDS TOTAL STK MKT 922908769 197,931 869,376 SH   SOLE 0 0 0 869,376
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,330 21,498 SH   SOLE 0 0 0 21,498
VANGUARD INDEX FDS VALUE ETF 922908744 106,849 723,026 SH   SOLE 0 0 0 723,026
VANGUARD INDEX FDS GROWTH ETF 922908736 234 815 SH   SOLE 0 0 0 815
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 63,954 1,386,397 SH   SOLE 0 0 0 1,386,397
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 312 1,924 SH   SOLE 0 0 0 1,924
VANGUARD STAR FDS VG TL INTL STK F 921909768 229 3,830 SH   SOLE 0 0 0 3,830
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 177,977 3,705,542 SH   SOLE 0 0 0 3,705,542
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,688 23,949 SH   SOLE 0 0 0 23,949
VANGUARD WORLD FD ESG US STK ETF 921910733 12,728 156,980 SH   SOLE 0 0 0 156,980
VANGUARD WORLD FD ESG INTL STK ETF 921910725 6,618 115,697 SH   SOLE 0 0 0 115,697