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
APPLE INC COM 037833100 769,905 2,832 SH SOLE 0 0 0 2,832
BERKLEY W R CORP COM 084423102 258,182 3,682 SH SOLE 0 0 0 3,682
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,308,671 4,593 SH SOLE 0 0 0 4,593
BERKSHIRE HATHAWAY INC DEL CL A 084670108 754,800 1 SH SOLE 0 0 0 1
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 11,044,226 148,904 SH SOLE 0 0 0 148,904
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,941,662 150,983 SH SOLE 0 0 0 150,983
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 849,392 18,231 SH SOLE 0 0 0 18,231
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 217,873 8,102 SH SOLE 0 0 0 8,102
FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 241,016 1,913 SH SOLE 0 0 0 1,913
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 345,382 8,881 SH SOLE 0 0 0 8,881
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 6,251,878 24,719 SH SOLE 0 0 0 24,719
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 358,352 7,355 SH SOLE 0 0 0 7,355
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 1,318,079 25,137 SH SOLE 0 0 0 25,137
INVESCO QQQ TR UNIT SER 1 46090E103 420,945 685 SH SOLE 0 0 0 685
ISHARES TR RUS MDCP VAL ETF 464287473 604,238 4,284 SH SOLE 0 0 0 4,284
ISHARES TR CORE US AGGBD ET 464287226 264,985 2,653 SH SOLE 0 0 0 2,653
ISHARES TR TIPS BD ETF 464287176 3,804,199 34,612 SH SOLE 0 0 0 34,612
ISHARES TR PFD AND INCM SEC 464288687 5,940,122 191,864 SH SOLE 0 0 0 191,864
ISHARES TR NATIONAL MUN ETF 464288414 946,442 8,836 SH SOLE 0 0 0 8,836
ISHARES TR EAFE VALUE ETF 464288877 223,911 3,136 SH SOLE 0 0 0 3,136
ISHARES TR MORNINGSTAR GRWT 464287119 523,564 5,032 SH SOLE 0 0 0 5,032
ISHARES TR SHRT NAT MUN ETF 464288158 975,949 9,147 SH SOLE 0 0 0 9,147
ISHARES TR MSCI EAFE MIN VL 46429B689 479,943 5,565 SH SOLE 0 0 0 5,565
ISHARES TR A RATE CP BD ETF 46429B291 2,223,336 46,233 SH SOLE 0 0 0 46,233
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,553,988 54,243 SH SOLE 0 0 0 54,243
ISHARES TR MSCI USA MMENTM 46432F396 476,733 1,905 SH SOLE 0 0 0 1,905
ISHARES TR MSCI INTL QUALTY 46434V456 1,499,359 32,989 SH SOLE 0 0 0 32,989
ISHARES TR GLOBAL REIT ETF 46434V647 2,988,690 119,787 SH SOLE 0 0 0 119,787
ISHARES TR IBONDS DEC2026 46435GAA0 247,818 10,228 SH SOLE 0 0 0 10,228
ISHARES TR ESG AWR MSCI USA 46435G425 797,602 5,354 SH SOLE 0 0 0 5,354
ISHARES TR RUSEL 2500 ETF 46435G268 1,335,642 17,823 SH SOLE 0 0 0 17,823
ISHARES TR IBONDS 27 ETF 46435UAA9 270,167 11,127 SH SOLE 0 0 0 11,127
LAM RESEARCH CORP COM NEW 512807306 215,670 1,260 SH SOLE 0 0 0 1,260
MICROSOFT CORP COM 594918104 683,395 1,413 SH SOLE 0 0 0 1,413
NVIDIA CORPORATION COM 67066G104 1,163,760 6,240 SH SOLE 0 0 0 6,240
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,538,404 45,230 SH SOLE 0 0 0 45,230
PROCTER AND GAMBLE CO COM 742718109 239,030 1,668 SH SOLE 0 0 0 1,668
PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF 74316P579 329,319 5,027 SH SOLE 0 0 0 5,027
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 1,392,844 52,422 SH SOLE 0 0 0 52,422
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 359,699 2,498 SH SOLE 0 0 0 2,498
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,819,874 176,084 SH SOLE 0 0 0 176,084
SPDR SERIES TRUST STATE STREET SPD 78464A375 4,101,063 121,297 SH SOLE 0 0 0 121,297
SPDR SERIES TRUST STATE STREET SPD 78464A292 637,323 20,111 SH SOLE 0 0 0 20,111
SPDR SERIES TRUST STATE STREET SPD 78468R101 401,693 13,719 SH SOLE 0 0 0 13,719
SPDR SERIES TRUST STATE STREET SPD 78464A805 12,091,912 146,569 SH SOLE 0 0 0 146,569
SPDR SERIES TRUST STATE STREET SPD 78464A409 368,934 3,458 SH SOLE 0 0 0 3,458
UNION PAC CORP COM 907818108 764,881 3,307 SH SOLE 0 0 0 3,307
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,195,453 11,544 SH SOLE 0 0 0 11,544
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 1,598,966 43,592 SH SOLE 0 0 0 43,592
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 4,030,369 57,974 SH SOLE 0 0 0 57,974
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,096,638 90,047 SH SOLE 0 0 0 90,047
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,639,599 35,637 SH SOLE 0 0 0 35,637
VANGUARD INDEX FDS VALUE ETF 922908744 446,338 2,337 SH SOLE 0 0 0 2,337
VANGUARD INDEX FDS MID CAP ETF 922908629 2,285,195 7,874 SH SOLE 0 0 0 7,874
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,179,992 9,485 SH SOLE 0 0 0 9,485
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,225,178 3,548 SH SOLE 0 0 0 3,548
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,028,761 14,382 SH SOLE 0 0 0 14,382
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,725,737 32,101 SH SOLE 0 0 0 32,101
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 516,425 7,020 SH SOLE 0 0 0 7,020
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 223,169 4,512 SH SOLE 0 0 0 4,512
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,457,703 29,346 SH SOLE 0 0 0 29,346
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,030,738 68,632 SH SOLE 0 0 0 68,632
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,954,583 105,443 SH SOLE 0 0 0 105,443
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 754,203 12,073 SH SOLE 0 0 0 12,073
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 494,529 3,446 SH SOLE 0 0 0 3,446
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 991,762 7,026 SH SOLE 0 0 0 7,026
VANGUARD WORLD FD INF TECH ETF 92204A702 342,216 454 SH SOLE 0 0 0 454
VANGUARD WORLD FD ESG US STK ETF 921910733 405,069 3,349 SH SOLE 0 0 0 3,349
VANGUARD WORLD FD ESG INTL STK ETF 921910725 926,119 12,931 SH SOLE 0 0 0 12,931
WALMART INC COM 931142103 204,681 1,837 SH SOLE 0 0 0 1,837
WISDOMTREE TR US TOTAL DIVIDND 97717W109 662,064 7,800 SH SOLE 0 0 0 7,800
WISDOMTREE TR EM EX ST-OWNED 97717X578 514,302 13,180 SH SOLE 0 0 0 13,180