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
ABBVIE INC COM 00287Y109 242 1,633 SH   SOLE 0 0 0 1,633
ALPHABET INC CAP STK CL C 02079K107 291 3,280 SH   SOLE 0 0 0 3,280
AMAZON COM INC COM 023135106 3,072 33,935 SH   SOLE 0 0 0 33,935
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,227 41,904 SH   SOLE 0 0 0 41,904
AMERICAN CENTY ETF TR US EQT ETF 025072885 4,539 66,370 SH   SOLE 0 0 0 66,370
APPLE INC COM 037833100 14,790 106,461 SH   SOLE 0 0 0 106,461
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 415 1,431 SH   SOLE 0 0 0 1,431
BERKSHIRE HATHAWAY INC DEL CL A 084670108 439 1 SH   SOLE 0 0 0 1
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 241 5,420 SH   SOLE 0 0 0 5,420
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 723 15,528 SH   SOLE 0 0 0 15,528
EXXON MOBIL CORP COM 30231G102 466 4,099 SH   SOLE 0 0 0 4,099
INVESCO QQQ TR UNIT SER 1 46090E103 325 1,213 SH   SOLE 0 0 0 1,213
ISHARES GOLD TR ISHARES NEW 464285204 204 6,409 SH   SOLE 0 0 0 6,409
ISHARES INC CORE MSCI EMKT 46434G103 2,207 49,356 SH   SOLE 0 0 0 49,356
ISHARES TR RUSSELL 3000 ETF 464287689 416 1,894 SH   SOLE 0 0 0 1,894
ISHARES TR CORE S&P SCP ETF 464287804 266 2,745 SH   SOLE 0 0 0 2,745
ISHARES TR CORE DIV GRWTH 46434V621 2,692 54,951 SH   SOLE 0 0 0 54,951
ISHARES TR IBOXX INV CP ETF 464287242 39,968 396,703 SH   SOLE 0 0 0 396,703
ISHARES TR RUS 2000 VAL ETF 464287630 121,599 847,205 SH   SOLE 0 0 0 847,205
ISHARES TR NATIONAL MUN ETF 464288414 82,566 811,385 SH   SOLE 0 0 0 811,385
ISHARES TR CORE S&P TTL STK 464287150 10,756 127,354 SH   SOLE 0 0 0 127,354
ISHARES TR CORE US AGGBD ET 464287226 10,021 106,559 SH   SOLE 0 0 0 106,559
ISHARES TR CORE MSCI EAFE 46432F842 8,071 140,905 SH   SOLE 0 0 0 140,905
ISHARES TR RUSSELL 2000 ETF 464287655 265 1,474 SH   SOLE 0 0 0 1,474
ISHARES TR S&P 500 GRWT ETF 464287309 215 3,700 SH   SOLE 0 0 0 3,700
ISHARES TR CORE S&P MCP ETF 464287507 381 1,573 SH   SOLE 0 0 0 1,573
ISHARES TR CORE S&P500 ETF 464287200 1,954 5,121 SH   SOLE 0 0 0 5,121
JOHNSON & JOHNSON COM 478160104 229 1,324 SH   SOLE 0 0 0 1,324
LILLY ELI & CO COM 532457108 785 2,151 SH   SOLE 0 0 0 2,151
MICROSOFT CORP COM 594918104 951 4,172 SH   SOLE 0 0 0 4,172
NU HLDGS LTD ORD SHS CL A G6683N103 83 17,239 SH   SOLE 0 0 0 17,239
NVIDIA CORPORATION COM 67066G104 260 1,816 SH   SOLE 0 0 0 1,816
PROCTER AND GAMBLE CO COM 742718109 215 1,578 SH   SOLE 0 0 0 1,578
R1 RCM INC COM 77634L105 154 10,459 SH   SOLE 0 0 0 10,459
SCHWAB STRATEGIC TR US REIT ETF 808524847 326 17,149 SH   SOLE 0 0 0 17,149
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 774 33,788 SH   SOLE 0 0 0 33,788
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 390 9,499 SH   SOLE 0 0 0 9,499
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,639 82,197 SH   SOLE 0 0 0 82,197
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,715 88,659 SH   SOLE 0 0 0 88,659
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,189 16,011 SH   SOLE 0 0 0 16,011
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,183 93,720 SH   SOLE 0 0 0 93,720
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 540 12,030 SH   SOLE 0 0 0 12,030
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,637 113,927 SH   SOLE 0 0 0 113,927
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,861 351,434 SH   SOLE 0 0 0 351,434
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,150 3,027 SH   SOLE 0 0 0 3,027
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,531 33,137 SH   SOLE 0 0 0 33,137
SPDR SER TR PRTFLO S&P500 VL 78464A508 401 10,415 SH   SOLE 0 0 0 10,415
SPDR SER TR PORTFOLI S&P1500 78464A805 11,722 249,131 SH   SOLE 0 0 0 249,131
SPDR SER TR PORTFOLIO AGRGTE 78464A649 8,380 343,869 SH   SOLE 0 0 0 343,869
SPDR SER TR PORTFOLIO S&P500 78464A854 2,586 57,909 SH   SOLE 0 0 0 57,909
TESLA INC COM 88160R101 425 2,158 SH   SOLE 0 0 0 2,158
TWILIO INC CL A 90138F102 378 8,277 SH   SOLE 0 0 0 8,277
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 191,367 2,748,343 SH   SOLE 0 0 0 2,748,343
VANGUARD INDEX FDS VALUE ETF 922908744 128,412 924,889 SH   SOLE 0 0 0 924,889
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,678 20,551 SH   SOLE 0 0 0 20,551
VANGUARD INDEX FDS GROWTH ETF 922908736 236 1,107 SH   SOLE 0 0 0 1,107
VANGUARD INDEX FDS TOTAL STK MKT 922908769 228,912 1,200,628 SH   SOLE 0 0 0 1,200,628
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 82,603 613,689 SH   SOLE 0 0 0 613,689
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,520 9,468 SH   SOLE 0 0 0 9,468
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,196 3,426 SH   SOLE 0 0 0 3,426
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 74,762 1,995,792 SH   SOLE 0 0 0 1,995,792
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,847 59,794 SH   SOLE 0 0 0 59,794
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 410 2,772 SH   SOLE 0 0 0 2,772
VANGUARD STAR FDS VG TL INTL STK F 921909768 208 4,235 SH   SOLE 0 0 0 4,235
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 212,929 5,374,288 SH   SOLE 0 0 0 5,374,288
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,503 23,276 SH   SOLE 0 0 0 23,276
VANGUARD WORLD FD ESG US STK ETF 921910733 15,537 237,210 SH   SOLE 0 0 0 237,210
VANGUARD WORLD FD ESG INTL STK ETF 921910725 8,354 179,967 SH   SOLE 0 0 0 179,967