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
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072216 2,213,302 28,544 SH SOLE 28,544 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 372,596 2,694 SH SOLE 2,694 0 0
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 4,132,604 99,485 SH SOLE 99,086 0 399
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,510,872 40,833 SH SOLE 40,833 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 4,172,459 100,011 SH SOLE 100,011 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL INTE 25434V575 3,010,921 57,405 SH SOLE 57,400 0 5
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,578,425 48,852 SH SOLE 48,840 0 12
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 4,949,481 58,339 SH SOLE 58,339 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 2,506,574 25,101 SH SOLE 25,101 0 0
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 4,353,733 93,028 SH SOLE 93,028 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 14,794,723 133,070 SH SOLE 133,070 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 4,176,781 116,735 SH SOLE 116,508 0 227
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,661,457 51,566 SH SOLE 51,476 0 90
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 3,275,794 89,113 SH SOLE 88,967 0 146
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 4,853,775 135,922 SH SOLE 135,913 0 9
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 314,132 6,904 SH SOLE 6,904 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 11,723,289 301,680 SH SOLE 301,680 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 4,453,180 91,894 SH SOLE 91,894 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,714,175 109,337 SH SOLE 109,337 0 0
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 722,278 13,959 SH SOLE 13,959 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 354,257 7,791 SH SOLE 7,791 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 200,800 336 SH SOLE 336 0 0
EA SERIES TRUST ALPHA ARCHITECT 02072L516 573,149 6,315 SH SOLE 6,315 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,051,162 37,865 SH SOLE 37,865 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,703,492 16,470 SH SOLE 16,470 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,034,209 13,910 SH SOLE 13,910 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 1,055,576 21,982 SH SOLE 21,982 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,453,139 6,055 SH SOLE 6,055 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 239,423 4,591 SH SOLE 4,591 0 0
WALMART INC COM 931142103 507,823 4,078 SH SOLE 4,078 0 0
APPLE INC COM 037833100 386,877 1,524 SH SOLE 1,524 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 777,146 28,572 SH SOLE 28,572 0 0
ISHARES TR 3YRTB ETF 464288125 1,221,814 16,470 SH SOLE 16,470 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,195,425 22,744 SH SOLE 22,744 0 0
ISHARES TR MBS ETF 464288588 580,334 6,112 SH SOLE 6,112 0 0
ISHARES TR TIPS BD ETF 464287176 1,153,262 10,450 SH SOLE 10,450 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,436,844 40,921 SH SOLE 40,921 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,766,616 14,101 SH SOLE 14,101 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,067,623 22,219 SH SOLE 22,219 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 300,020 11,953 SH SOLE 11,953 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 651,162 14,451 SH SOLE 14,451 0 0
PACER FDS TR CASH COWS ETF 69374H659 219,824 4,805 SH SOLE 4,805 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 310,876 4,978 SH SOLE 4,978 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 381,460 7,967 SH SOLE 7,967 0 0
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232 260,202 2,956 SH SOLE 2,956 0 0
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 1,710,938 33,740 SH SOLE 33,740 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 243,101 6,354 SH SOLE 6,354 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 272,556 5,570 SH SOLE 5,570 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 918,450 37,843 SH SOLE 37,843 0 0
ISHARES TR GNMA BOND ETF 46429B333 1,610,287 36,325 SH SOLE 36,325 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 239,586 747 SH SOLE 747 0 0
AMERICAN CENTY ETF TR AVANTIS ALL INT 025072166 218,977 2,792 SH SOLE 2,792 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 394,896 10,858 SH SOLE 10,858 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 836,029 11,790 SH SOLE 11,790 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 275,202 3,869 SH SOLE 3,869 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 579,839 11,457 SH SOLE 11,457 0 0
COLGATE PALMOLIVE CO COM 194162103 1,640,114 19,243 SH SOLE 19,243 0 0
GREIF INC CL A 397624107 393,268 5,815 SH SOLE 5,815 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 738,542 7,337 SH SOLE 7,337 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 213,003 2,297 SH SOLE 2,297 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 303,606 2,768 SH SOLE 2,768 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 240,831 919 SH SOLE 919 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 205,043 1,040 SH SOLE 1,040 0 0
CHEVRON CORPORATION COM 166764100 214,833 1,038 SH SOLE 1,038 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,159,789 4,033 SH SOLE 4,033 0 0