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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,415,966 35,249 SH SOLE 0 0 35,249
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 1,233,673 16,669 SH SOLE 0 0 16,669
AMERICAN CENTY ETF TR US EQT ETF 025072885 1,022,012 10,137 SH SOLE 0 0 10,137
APPLE INC COM 037833100 211,325 1,030 SH SOLE 0 0 1,030
BERKLEY W R CORP COM 084423102 552,421 7,519 SH SOLE 0 0 7,519
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 17,273,603 408,746 SH SOLE 0 0 408,746
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 371,594 12,520 SH SOLE 0 0 12,520
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583 843,560 15,481 SH SOLE 0 0 15,481
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,122,279 49,551 SH SOLE 0 0 49,551
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 324,082 10,424 SH SOLE 0 0 10,424
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 2,448,601 82,058 SH SOLE 0 0 82,058
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 2,124,868 64,566 SH SOLE 0 0 64,566
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 3,037,417 64,040 SH SOLE 0 0 64,040
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 25,791,503 719,629 SH SOLE 0 0 719,629
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 6,443,305 96,140 SH SOLE 0 0 96,140
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 282,747 9,115 SH SOLE 0 0 9,115
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1,945,768 46,021 SH SOLE 0 0 46,021
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,783,547 43,691 SH SOLE 0 0 43,691
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 534,920 18,176 SH SOLE 0 0 18,176
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,019,520 18,894 SH SOLE 0 0 18,894
ISHARES TR 0-5 YR TIPS ETF 46429B747 323,549 3,144 SH SOLE 0 0 3,144
ISHARES TR 20 YR TR BD ETF 464287432 644,313 7,301 SH SOLE 0 0 7,301
ISHARES TR EAFE SML CP ETF 464288273 257,578 3,544 SH SOLE 0 0 3,544
ISHARES TR EAFE VALUE ETF 464288877 781,582 12,312 SH SOLE 0 0 12,312
ISHARES TR GLOBAL REIT ETF 46434V647 2,380,610 96,381 SH SOLE 0 0 96,381
ISHARES TR INTL DEV SML CP 46436E510 370,885 8,826 SH SOLE 0 0 8,826
ISHARES TR RUS 2000 VAL ETF 464287630 327,598 2,077 SH SOLE 0 0 2,077
ISHARES TR RUSSELL 2000 ETF 464287655 1,137,645 5,272 SH SOLE 0 0 5,272
MICROSOFT CORP COM 594918104 316,850 637 SH SOLE 0 0 637
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 236,162 5,545 SH SOLE 0 0 5,545
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,889,684 4,677 SH SOLE 0 0 4,677
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,639,702 103,758 SH SOLE 0 0 103,758
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 33,871,796 59,630 SH SOLE 0 0 59,630
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,811,193 34,927 SH SOLE 0 0 34,927
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,544,725 23,397 SH SOLE 0 0 23,397
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,557,479 9,235 SH SOLE 0 0 9,235
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,323,475 10,935 SH SOLE 0 0 10,935
VANGUARD INDEX FDS VALUE ETF 922908744 1,087,032 6,150 SH SOLE 0 0 6,150
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,944,073 160,616 SH SOLE 0 0 160,616
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 465,365 3,463 SH SOLE 0 0 3,463
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,039,112 179,811 SH SOLE 0 0 179,811
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 10,811,524 192,650 SH SOLE 0 0 192,650
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 22,396,286 323,039 SH SOLE 0 0 323,039
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 5,527,335 50,617 SH SOLE 0 0 50,617
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 1,981,525 23,255 SH SOLE 0 0 23,255
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 10,166,101 178,321 SH SOLE 0 0 178,321