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
APPLE INC COM 037833100 783,742 2,798 SH SOLE 0 0 0 2,798
BERKLEY W R CORP COM 084423102 229,476 3,457 SH SOLE 0 0 0 3,457
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,170,170 4,588 SH SOLE 0 0 0 4,588
BERKSHIRE HATHAWAY INC DEL CL A 084670108 710,300 1 SH SOLE 0 0 0 1
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 11,695,262 149,022 SH SOLE 0 0 0 149,022
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 5,567,061 152,189 SH SOLE 0 0 0 152,189
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 946,518 18,297 SH SOLE 0 0 0 18,297
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 255,156 8,753 SH SOLE 0 0 0 8,753
FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 264,769 1,918 SH SOLE 0 0 0 1,918
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 359,627 8,536 SH SOLE 0 0 0 8,536
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 6,747,037 24,310 SH SOLE 0 0 0 24,310
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 413,847 7,378 SH SOLE 0 0 0 7,378
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 1,553,092 25,951 SH SOLE 0 0 0 25,951
INVESCO QQQ TR UNIT SER 1 46090E103 447,436 664 SH SOLE 0 0 0 664
ISHARES TR RUS MDCP VAL ETF 464287473 670,785 4,289 SH SOLE 0 0 0 4,289
ISHARES TR CORE US AGGBD ET 464287226 368,280 3,724 SH SOLE 0 0 0 3,724
ISHARES TR TIPS BD ETF 464287176 3,993,450 35,864 SH SOLE 0 0 0 35,864
ISHARES TR PFD AND INCM SEC 464288687 6,319,345 201,189 SH SOLE 0 0 0 201,189
ISHARES TR NATIONAL MUN ETF 464288414 940,304 8,804 SH SOLE 0 0 0 8,804
ISHARES TR EAFE VALUE ETF 464288877 242,567 3,136 SH SOLE 0 0 0 3,136
ISHARES TR MORNINGSTAR GRWT 464287119 556,826 5,037 SH SOLE 0 0 0 5,037
ISHARES TR SHRT NAT MUN ETF 464288158 806,306 7,584 SH SOLE 0 0 0 7,584
ISHARES TR MSCI EAFE MIN VL 46429B689 424,108 4,635 SH SOLE 0 0 0 4,635
ISHARES TR A RATE CP BD ETF 46429B291 2,537,256 53,517 SH SOLE 0 0 0 53,517
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,800,827 55,960 SH SOLE 0 0 0 55,960
ISHARES TR MSCI USA MMENTM 46432F396 429,328 1,506 SH SOLE 0 0 0 1,506
ISHARES TR MSCI INTL QUALTY 46434V456 1,560,518 32,017 SH SOLE 0 0 0 32,017
ISHARES TR GLOBAL REIT ETF 46434V647 3,754,249 137,670 SH SOLE 0 0 0 137,670
ISHARES TR IBONDS DEC2026 46435GAA0 249,820 10,332 SH SOLE 0 0 0 10,332
ISHARES TR ESG AWR MSCI USA 46435G425 912,253 5,814 SH SOLE 0 0 0 5,814
ISHARES TR RUSEL 2500 ETF 46435G268 1,597,503 18,779 SH SOLE 0 0 0 18,779
ISHARES TR IBONDS 27 ETF 46435UAA9 271,788 11,245 SH SOLE 0 0 0 11,245
JOHNSON & JOHNSON COM 478160104 207,363 913 SH SOLE 0 0 0 913
LAM RESEARCH CORP COM NEW 512807306 209,448 816 SH SOLE 0 0 0 816
MICROSOFT CORP COM 594918104 586,824 1,416 SH SOLE 0 0 0 1,416
NVIDIA CORPORATION COM 67066G104 1,238,328 6,240 SH SOLE 0 0 0 6,240
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,782,100 47,621 SH SOLE 0 0 0 47,621
PROCTER & GAMBLE CO COM 742718109 246,386 1,673 SH SOLE 0 0 0 1,673
PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF 74316P579 268,755 4,954 SH SOLE 0 0 0 4,954
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 1,389,444 47,276 SH SOLE 0 0 0 47,276
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 386,115 2,385 SH SOLE 0 0 0 2,385
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 9,304,482 190,315 SH SOLE 0 0 0 190,315
SPDR SERIES TRUST STATE STREET SPD 78464A375 4,512,029 134,929 SH SOLE 0 0 0 134,929
SPDR SERIES TRUST STATE STREET SPD 78464A292 643,518 20,524 SH SOLE 0 0 0 20,524
SPDR SERIES TRUST STATE STREET SPD 78468R101 402,122 13,842 SH SOLE 0 0 0 13,842
SPDR SERIES TRUST STATE STREET SPD 78464A805 13,615,461 155,676 SH SOLE 0 0 0 155,676
SPDR SERIES TRUST STATE STREET SPD 78464A409 386,358 3,418 SH SOLE 0 0 0 3,418
UNION PAC CORP COM 907818108 881,028 3,308 SH SOLE 0 0 0 3,308
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,102,960 11,019 SH SOLE 0 0 0 11,019
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 1,522,070 43,413 SH SOLE 0 0 0 43,413
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,989,537 58,403 SH SOLE 0 0 0 58,403
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,218,686 105,260 SH SOLE 0 0 0 105,260
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,780,019 37,896 SH SOLE 0 0 0 37,896
VANGUARD INDEX FDS VALUE ETF 922908744 482,830 2,344 SH SOLE 0 0 0 2,344
VANGUARD INDEX FDS MID CAP ETF 922908629 2,522,241 32,659 SH SOLE 0 0 0 32,659
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,412,401 9,605 SH SOLE 0 0 0 9,605
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,190,107 3,306 SH SOLE 0 0 0 3,306
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,229,459 14,722 SH SOLE 0 0 0 14,722
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,004,408 33,979 SH SOLE 0 0 0 33,979
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 569,786 7,051 SH SOLE 0 0 0 7,051
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 227,649 4,514 SH SOLE 0 0 0 4,514
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,887,892 34,971 SH SOLE 0 0 0 34,971
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,989,841 68,425 SH SOLE 0 0 0 68,425
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,450,296 113,900 SH SOLE 0 0 0 113,900
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 894,173 13,012 SH SOLE 0 0 0 13,012
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 464,803 2,970 SH SOLE 0 0 0 2,970
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 981,415 6,451 SH SOLE 0 0 0 6,451
VANGUARD WORLD FD INF TECH ETF 92204A702 380,815 3,632 SH SOLE 0 0 0 3,632
VANGUARD WORLD FD ESG US STK ETF 921910733 424,158 3,358 SH SOLE 0 0 0 3,358
VANGUARD WORLD FD ESG INTL STK ETF 921910725 914,126 11,744 SH SOLE 0 0 0 11,744
WALMART INC COM 931142103 238,421 1,812 SH SOLE 0 0 0 1,812
WISDOMTREE TR US TOTAL DIVIDND 97717W109 709,566 7,800 SH SOLE 0 0 0 7,800
WISDOMTREE TR EM EX ST-OWNED 97717X578 578,806 12,718 SH SOLE 0 0 0 12,718