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
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 459,608 2,608 SH SOLE 0 0 2,608
ALPHABET INC CAP STK CL C 02079K107 383,517 2,162 SH SOLE 0 0 2,162
AMAZON COM INC COM 023135106 737,370 3,361 SH SOLE 0 0 3,361
AMERICAN CENTY ETF TR US SML CP VALU 025072877 8,462,131 92,888 SH SOLE 0 0 92,286
AMERICAN CENTY ETF TR US EQT ETF 025072885 383,519 3,804 SH SOLE 0 0 3,804
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 330,915 4,174 SH SOLE 0 0 4,174
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 11,709,344 158,213 SH SOLE 0 0 158,213
APPLE INC COM 037833100 1,364,791 6,652 SH SOLE 0 0 6,652
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,167,020 4,461 SH SOLE 0 0 4,461
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 0 0 1
BROADCOM INC COM 11135F101 321,132 1,165 SH SOLE 0 0 1,165
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 14,978,231 235,100 SH SOLE 0 0 235,100
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 6,558,351 220,968 SH SOLE 0 0 216,658
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,223,144 28,558 SH SOLE 0 0 28,558
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5,525,510 130,688 SH SOLE 0 0 130,688
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 7,641,150 141,608 SH SOLE 0 0 141,608
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 347,804 11,818 SH SOLE 0 0 11,804
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 17,342,389 487,693 SH SOLE 0 0 486,148
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 22,999,527 739,772 SH SOLE 0 0 727,890
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 29,420,808 820,893 SH SOLE 0 0 820,893
ELI LILLY & CO COM 532457108 251,009 322 SH SOLE 0 0 322
INTERNATIONAL BUSINESS MACHS COM 459200101 210,473 714 SH SOLE 0 0 714
INVESCO QQQ TR UNIT SER 1 46090E103 297,334 539 SH SOLE 0 0 539
ISHARES INC CORE MSCI EMKT 46434G103 5,221,493 86,981 SH SOLE 0 0 86,981
ISHARES TR ISHS 5-10YR INVT 464288638 213,557 4,007 SH SOLE 0 0 4,007
ISHARES TR CORE US AGGBD ET 464287226 21,382,693 215,551 SH SOLE 0 0 215,551
ISHARES TR RUS 1000 VAL ETF 464287598 710,493 3,658 SH SOLE 0 0 3,658
ISHARES TR RUSSELL 2000 ETF 464287655 787,018 3,647 SH SOLE 0 0 3,647
ISHARES TR S&P 500 VAL ETF 464287408 21,624,826 110,658 SH SOLE 0 0 110,658
ISHARES TR RUS MID CAP ETF 464287499 374,170 4,068 SH SOLE 0 0 4,068
ISHARES TR CORE S&P MCP ETF 464287507 90,419,025 1,457,901 SH SOLE 0 0 1,455,580
ISHARES TR TIPS BD ETF 464287176 14,838,200 134,843 SH SOLE 0 0 134,838
ISHARES TR SHRT NAT MUN ETF 464288158 6,993,450 65,765 SH SOLE 0 0 65,765
ISHARES TR NATIONAL MUN ETF 464288414 35,943,194 344,020 SH SOLE 0 0 344,020
ISHARES TR 0-5 YR TIPS ETF 46429B747 7,182,295 69,792 SH SOLE 0 0 69,792
ISHARES TR MSCI USA QLT FCT 46432F339 13,509,717 73,896 SH SOLE 0 0 73,896
ISHARES TR SP SMCP600VL ETF 464287879 4,368,994 43,914 SH SOLE 0 0 43,914
ISHARES TR CORE S&P SCP ETF 464287804 19,480,334 178,244 SH SOLE 0 0 177,859
ISHARES TR RUS 2000 VAL ETF 464287630 423,901 2,687 SH SOLE 0 0 2,687
ISHARES TR CORE S&P US VLU 464287663 10,732,869 113,419 SH SOLE 0 0 113,389
ISHARES TR RUSSELL 3000 ETF 464287689 4,648,995 13,245 SH SOLE 0 0 13,245
ISHARES TR CORE S&P500 ETF 464287200 14,881,459 23,968 SH SOLE 0 0 23,968
ISHARES TR MORNINGSTR US EQ 464287127 287,891 3,356 SH SOLE 0 0 3,356
ISHARES TR MSCI EAFE ETF 464287465 298,391 3,338 SH SOLE 0 0 3,338
ISHARES TR EAFE VALUE ETF 464288877 231,956 3,654 SH SOLE 0 0 3,654
ISHARES TR ISHS 1-5YR INVS 464288646 25,189,151 477,429 SH SOLE 0 0 477,429
ISHARES TR CORE 1 5 YR USD 46432F859 4,405,370 90,552 SH SOLE 0 0 90,552
ISHARES TR S&P MC 400VL ETF 464287705 14,899,921 120,569 SH SOLE 0 0 120,569
ISHARES TR MBS ETF 464288588 46,045,140 490,415 SH SOLE 0 0 490,273
JPMORGAN CHASE & CO. COM 46625H100 447,331 1,543 SH SOLE 0 0 1,543
MASTERCARD INCORPORATED CL A 57636Q104 227,024 404 SH SOLE 0 0 404
META PLATFORMS INC CL A 30303M102 583,091 790 SH SOLE 0 0 790
MICROSOFT CORP COM 594918104 1,574,303 3,165 SH SOLE 0 0 3,165
NVIDIA CORPORATION COM 67066G104 1,685,753 10,670 SH SOLE 0 0 10,670
PIMCO ETF TR 1-5 US TIP IDX 72201R205 4,606,889 85,614 SH SOLE 0 0 85,614
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,350,814 33,753 SH SOLE 0 0 33,753
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 564,755 19,334 SH SOLE 0 0 19,334
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,529,404 416,181 SH SOLE 0 0 416,181
SCHWAB STRATEGIC TR US TIPS ETF 808524870 49,369,994 1,850,449 SH SOLE 0 0 1,845,969
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 18,025,413 737,537 SH SOLE 0 0 737,536
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 330,130 14,938 SH SOLE 0 0 14,938
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 19,316,404 688,642 SH SOLE 0 0 688,642
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 228,963 8,275 SH SOLE 0 0 8,275
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 316,107 5,015 SH SOLE 0 0 5,015
SPDR S&P 500 ETF TR TR UNIT 78462F103 43,684,010 70,703 SH SOLE 0 0 70,703
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 10,823,937 19,107 SH SOLE 0 0 19,107
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 115,502,601 2,206,774 SH SOLE 0 0 2,202,898
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 11,764,779 147,502 SH SOLE 0 0 147,502
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 503,776 9,264 SH SOLE 0 0 9,264
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 55,699,114 701,235 SH SOLE 0 0 699,861
SPDR SERIES TRUST PRTFLO AGG BOND 78464A649 220,458 8,611 SH SOLE 0 0 9,878
SPDR SERIES TRUST RUSSELL YIELD 78468R770 248,473 2,295 SH SOLE 0 0 2,295
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 11,397,210 119,380 SH SOLE 0 0 119,380
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 14,238,087 75,450 SH SOLE 0 0 75,450
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 87,493,351 1,188,284 SH SOLE 0 0 1,187,845
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,084,094 242,492 SH SOLE 0 0 242,492
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,031,018 3,614 SH SOLE 0 0 3,614
VANGUARD INDEX FDS VALUE ETF 922908744 14,533,958 82,234 SH SOLE 0 0 82,234
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,501,283 16,857 SH SOLE 0 0 16,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,074,529 3,535 SH SOLE 0 0 3,535
VANGUARD INDEX FDS SMALL CP ETF 922908751 601,274 2,537 SH SOLE 0 0 2,537
VANGUARD INDEX FDS MID CAP ETF 922908629 1,120,453 4,004 SH SOLE 0 0 4,004
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 138,426,689 243,696 SH SOLE 0 0 243,410
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 14,906,394 90,638 SH SOLE 0 0 90,638
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,811,576 24,673 SH SOLE 0 0 24,673
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,959,139 80,047 SH SOLE 0 0 80,030
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 406,865 3,166 SH SOLE 0 0 3,166
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,320,096 85,938 SH SOLE 0 0 85,938
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 61,740,061 1,259,230 SH SOLE 0 0 1,259,181
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 342,273 4,127 SH SOLE 0 0 4,128
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 54,796,939 689,269 SH SOLE 0 0 688,883
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,894,226 40,876 SH SOLE 0 0 39,490
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 769,566 3,760 SH SOLE 0 0 3,760
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,802,942 31,625 SH SOLE 0 0 31,599
VISA INC COM CL A 92826C839 267,708 754 SH SOLE 0 0 754
WALMART INC COM 931142103 242,103 2,476 SH SOLE 0 0 2,476
WISDOMTREE TR US LARGECAP DIVD 97717W307 612,439 7,456 SH SOLE 0 0 7,456