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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 151,791 1,852 SH SOLE 0 0 1,852
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,952 109 SH SOLE 0 0 109
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,928 214 SH SOLE 0 0 214
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,108 437 SH SOLE 0 0 437
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,711 296 SH SOLE 0 0 296
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,179 92 SH SOLE 0 0 92
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,540 181 SH SOLE 0 0 181
VANGUARD WORLD FD ESG US STK ETF 921910733 3,052,496 23,083 SH SOLE 0 0 23,083
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,461,156 48,358 SH SOLE 0 0 48,358
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,798,361 319,977 SH SOLE 0 0 319,977
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,254,802 171,801 SH SOLE 0 0 171,801
VANGUARD INDEX FDS LARGE CAP ETF 922908637 22,341,769 64,964 SH SOLE 0 0 64,964
VANGUARD INDEX FDS VALUE ETF 922908744 11,544,188 52,972 SH SOLE 0 0 52,972
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,182,023 115,960 SH SOLE 0 0 115,960
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,765,891 313,874 SH SOLE 0 0 313,874
VANGUARD INDEX FDS SMALL CP ETF 922908751 17,583,082 58,007 SH SOLE 0 0 58,007
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,424,706 34,671 SH SOLE 0 0 34,671
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 22,622,613 447,264 SH SOLE 0 0 447,264
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,715,990 309,440 SH SOLE 0 0 309,440
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 15,401,370 318,013 SH SOLE 0 0 318,013