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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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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   563,827 32,274 SH   SOLE 0 0 0 32,274
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,743,976 54,390 SH   SOLE 0 0 0 54,390
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   1,004,520 24,429 SH   SOLE 0 0 0 24,429
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,529,644 81,836 SH   SOLE 0 0 0 81,836
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   41,774,543 873,762 SH   SOLE 0 0 0 873,762
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   10,954,559 490,137 SH   SOLE 0 0 0 490,137
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   60,301,255 2,483,577 SH   SOLE 0 0 0 2,483,577
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   29,114,707 1,347,903 SH   SOLE 0 0 0 1,347,903
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,206,814 77,235 SH   SOLE 0 0 0 77,235
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   2,894,649 102,248 SH   SOLE 0 0 0 102,248
GOLDMAN SACHS ETF TR ACCESS US AGRAT 38149W101   3,190,392 77,644 SH   SOLE 0 0 0 77,644
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   11,864,235 155,842 SH   SOLE 0 0 0 155,842
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   5,755,684 199,989 SH   SOLE 0 0 0 199,989
ISHARES INC CORE MSCI EMKT 46434G103   1,655,039 35,440 SH   SOLE 0 0 0 35,440
ISHARES INC ESG AWR MSCI EM 46434G863   1,645,806 54,732 SH   SOLE 0 0 0 54,732
ISHARES TR CORE MSCI TOTAL 46432F834   6,740,468 116,456 SH   SOLE 0 0 0 116,456
ISHARES TR ESG ADV TTL USD 46436E619   1,969,873 46,679 SH   SOLE 0 0 0 46,679
ISHARES TR ESG AW MSCI EAFE 46435G516   4,270,790 64,965 SH   SOLE 0 0 0 64,965
ISHARES TR CORE TOTAL USD 46434V613   45,071,858 1,003,157 SH   SOLE 0 0 0 1,003,157
ISHARES TR NATIONAL MUN ETF 464288414   277,026 2,625 SH   SOLE 0 0 0 2,625
ISHARES TR ESG MSCI LEADR 46435U218   7,075,908 106,710 SH   SOLE 0 0 0 106,710
ISHARES TR CORE S&P MCP ETF 464287507   1,142,989 4,725 SH   SOLE 0 0 0 4,725
ISHARES TR RUSSELL 2000 ETF 464287655   867,451 4,975 SH   SOLE 0 0 0 4,975
ISHARES TR AGGRES ALLOC ETF 464289859   3,665,838 61,353 SH   SOLE 0 0 0 61,353
ISHARES TR CORE S&P TTL STK 464287150   2,354,346 27,764 SH   SOLE 0 0 0 27,764
ISHARES TR CONSER ALLOC ETF 464289883   250,478 7,452 SH   SOLE 0 0 0 7,452
ISHARES TR GRWT ALLOCAT ETF 464289867   2,567,179 54,436 SH   SOLE 0 0 0 54,436
ISHARES TR RUS MDCP VAL ETF 464287473   1,355,513 12,868 SH   SOLE 0 0 0 12,868
ISHARES TR MSCI EAFE ETF 464287465   552,365 8,415 SH   SOLE 0 0 0 8,415
ISHARES TR CORE MSCI EAFE 46432F842   299,081 4,852 SH   SOLE 0 0 0 4,852
ISHARES TR U S EQUITY FACTR 46434V282   736,391 18,877 SH   SOLE 0 0 0 18,877
ISHARES TR MSCI USA SML CP 46434V290   3,683,534 74,175 SH   SOLE 0 0 0 74,175
ISHARES TR GLOBAL REIT ETF 46434V647   278,911 12,281 SH   SOLE 0 0 0 12,281
ISHARES TR INTL EQTY FACTOR 46434V274   527,244 21,432 SH   SOLE 0 0 0 21,432
ISHARES TR IBONDS 25 TRM TS 46436E866   249,441 10,715 SH   SOLE 0 0 0 10,715
ISHARES TR IBONDS 24 TRM TS 46436E874   250,283 10,494 SH   SOLE 0 0 0 10,494
ISHARES TR CORE INTL AGGR 46435G672   14,367,237 302,150 SH   SOLE 0 0 0 302,150
ISHARES TR MODERT ALLOC ETF 464289875   304,839 8,020 SH   SOLE 0 0 0 8,020
ISHARES TR CORE S&P500 ETF 464287200   2,073,808 5,398 SH   SOLE 0 0 0 5,398
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   468,371 10,249 SH   SOLE 0 0 0 10,249
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   338,669 6,756 SH   SOLE 0 0 0 6,756
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,622,941 47,482 SH   SOLE 0 0 0 47,482
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,533,164 56,106 SH   SOLE 0 0 0 56,106
SIMON PPTY GROUP INC NEW COM 828806109   227,270 1,935 SH   SOLE 0 0 0 1,935
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   42,761,215 1,440,257 SH   SOLE 0 0 0 1,440,257
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   14,809,994 449,332 SH   SOLE 0 0 0 449,332
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,382,715 3,616 SH   SOLE 0 0 0 3,616
SPDR SER TR PORTFOLIO S&P500 78464A854   1,063,753 23,649 SH   SOLE 0 0 0 23,649
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,457,654 48,503 SH   SOLE 0 0 0 48,503
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   559,275 6,114 SH   SOLE 0 0 0 6,114
SPDR SER TR PORTFOLIO SHORT 78464A474   471,060 16,033 SH   SOLE 0 0 0 16,033
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,007,619 77,337 SH   SOLE 0 0 0 77,337
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   19,224,117 405,316 SH   SOLE 0 0 0 405,316
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,093,009 38,369 SH   SOLE 0 0 0 38,369
VANGUARD INDEX FDS TOTAL STK MKT 922908769   53,910,057 281,971 SH   SOLE 0 0 0 281,971
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,833,579 20,887 SH   SOLE 0 0 0 20,887
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   14,417,168 108,514 SH   SOLE 0 0 0 108,514
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   552,861 4,088 SH   SOLE 0 0 0 4,088
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   80,907,979 230,284 SH   SOLE 0 0 0 230,284
VANGUARD INDEX FDS MID CAP ETF 922908629   3,481,976 17,084 SH   SOLE 0 0 0 17,084
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,269,791 27,519 SH   SOLE 0 0 0 27,519
VANGUARD INDEX FDS VALUE ETF 922908744   665,273 4,739 SH   SOLE 0 0 0 4,739
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,331,938 50,260 SH   SOLE 0 0 0 50,260
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,210,748 31,061 SH   SOLE 0 0 0 31,061
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   69,890,808 1,412,221 SH   SOLE 0 0 0 1,412,221
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   475,446 7,716 SH   SOLE 0 0 0 7,716
VANGUARD STAR FDS VG TL INTL STK F 921909768   37,448,719 724,066 SH   SOLE 0 0 0 724,066
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,607,153 38,293 SH   SOLE 0 0 0 38,293