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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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
AMERICAN CENTY ETF TR AVA MID EQU ETF 025072125 7,135,354 88,914 SH SOLE 0 0 88,914
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 5,112,302 69,707 SH SOLE 0 0 69,707
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 9,792,015 108,849 SH SOLE 0 0 108,849
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 4,098,398 45,946 SH SOLE 0 0 45,946
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 4,090,949 44,852 SH SOLE 0 0 44,852
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,331,538 2,661 SH SOLE 0 0 2,661
CAPITAL GROUP INTERNATIONAL SHS 14021M107 6,676,460 181,524 SH SOLE 0 0 181,524
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 15,435,677 374,198 SH SOLE 0 0 374,198
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 666,276 15,020 SH SOLE 0 0 15,020
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 22,640,916 276,311 SH SOLE 0 0 276,311
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 15,134,749 183,808 SH SOLE 0 0 183,808
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,864,059 32,260 SH SOLE 0 0 32,260
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,164,914 21,191 SH SOLE 0 0 21,191
ISHARES TR CORE S&P500 ETF 464287200 9,882,125 13,196 SH SOLE 0 0 13,196
ISHARES TR IBDS DEC28 ETF 46435U515 1,430,284 56,645 SH SOLE 0 0 56,645
ISHARES TR IBONDS 28 TRM TS 46436E833 690,731 31,198 SH SOLE 0 0 31,198
ISHARES TR IBONDS 29 TRM TS 46436E825 688,615 31,807 SH SOLE 0 0 31,807
ISHARES TR IBONDS DEC 29 46436E205 1,428,276 61,670 SH SOLE 0 0 61,670
ISHARES TR ISHS 1-5YR INVS 464288646 7,660,544 146,166 SH SOLE 0 0 146,166
ISHARES TR ISHS 5-10YR INVT 464288638 12,243,269 230,266 SH SOLE 0 0 230,266
ISHARES TR RUSSELL 2000 ETF 464287655 201,409 670 SH SOLE 0 0 670
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 932,081 18,431 SH SOLE 0 0 18,431
JPMORGAN CHASE & CO COM 46625H100 206,546 631 SH SOLE 0 0 631
LATTICE SEMICONDUCTOR CORP COM 518415104 229,440 1,500 SH SOLE 0 0 1,500
LOEWS CORP COM 540424108 611,221 5,399 SH SOLE 0 0 5,399
MICROSOFT CORP COM 594918104 271,559 728 SH SOLE 0 0 728
PGIM ETF TR ACTV HY BD ETF 69344A206 977,213 28,016 SH SOLE 0 0 28,016
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,840,148 115,172 SH SOLE 0 0 115,172
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,384,277 57,344 SH SOLE 0 0 57,344
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 301,700 10,000 SH SOLE 0 0 10,000
SPROTT ASSET MANAGEMENT LP PHYSICAL SILVER 85207K107 301,920 16,000 SH SOLE 0 0 16,000
VANGUARD MALVERN FDS CORE BD ETF 922020748 8,395,586 108,705 SH SOLE 0 0 108,705
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 9,542,108 203,848 SH SOLE 0 0 203,848