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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 131,035 1,847 SH SOLE 0 0 1,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,592 109 SH SOLE 0 0 109
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,297 214 SH SOLE 0 0 214
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,147 437 SH SOLE 0 0 437
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,589 296 SH SOLE 0 0 296
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,977 92 SH SOLE 0 0 92
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,263 181 SH SOLE 0 0 181
VANGUARD WORLD FD ESG US STK ETF 921910733 2,515,522 22,406 SH SOLE 0 0 22,406
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,924,442 47,496 SH SOLE 0 0 47,496
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,271,003 316,339 SH SOLE 0 0 316,339
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,136,774 169,043 SH SOLE 0 0 169,043
VANGUARD INDEX FDS LARGE CAP ETF 922908637 19,209,779 64,279 SH SOLE 0 0 64,279
VANGUARD INDEX FDS VALUE ETF 922908744 10,283,038 52,411 SH SOLE 0 0 52,411
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,149,054 114,420 SH SOLE 0 0 114,420
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,373,062 307,769 SH SOLE 0 0 307,769
VANGUARD INDEX FDS SMALL CP ETF 922908751 15,037,613 57,413 SH SOLE 0 0 57,413
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,429,298 34,197 SH SOLE 0 0 34,197
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 21,853,117 438,026 SH SOLE 0 0 438,026
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,609,321 307,025 SH SOLE 0 0 307,025
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 15,135,558 314,996 SH SOLE 0 0 314,996