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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
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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
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 122,981 1,835 SH SOLE 0 0 1,835
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,466 115 SH SOLE 0 0 115
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,348 242 SH SOLE 0 0 242
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,040 389 SH SOLE 0 0 389
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,210 295 SH SOLE 0 0 295
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,650 78 SH SOLE 0 0 78
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,453 176 SH SOLE 0 0 176
VANGUARD WORLD FD ESG US STK ETF 921910733 2,733,216 24,929 SH SOLE 0 0 24,929
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,758,204 50,288 SH SOLE 0 0 50,288
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 19,492,118 341,907 SH SOLE 0 0 341,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,724,447 176,394 SH SOLE 0 0 176,394
VANGUARD INDEX FDS LARGE CAP ETF 922908637 17,520,273 61,410 SH SOLE 0 0 61,410
VANGUARD INDEX FDS VALUE ETF 922908744 8,767,364 49,606 SH SOLE 0 0 49,606
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,415,903 94,497 SH SOLE 0 0 94,497
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 13,312,652 264,823 SH SOLE 0 0 264,823
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,758,766 53,839 SH SOLE 0 0 53,839
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,316,569 32,391 SH SOLE 0 0 32,391
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,648,266 380,344 SH SOLE 0 0 380,344
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,098,634 272,968 SH SOLE 0 0 272,968
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 13,176,938 266,147 SH SOLE 0 0 266,147