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 EMGMKT 025072604 2,907,244 30,130 SH SOLE 0 0 30,130
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 7,834,079 87,826 SH SOLE 0 0 87,826
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 11,878,678 132,044 SH SOLE 0 0 132,044
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 1,457,999 19,880 SH SOLE 0 0 19,880
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,967,372 87,778 SH SOLE 0 0 87,778
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,034,894 374,271 SH SOLE 0 0 374,271
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,645,403 22,929 SH SOLE 0 0 22,929
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,900,915 265,276 SH SOLE 0 0 265,276
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,796,895 97,117 SH SOLE 0 0 97,117
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,406,479 35,536 SH SOLE 0 0 35,536
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 307,460 9,696 SH SOLE 0 0 9,696
SCHWAB STRATEGIC TR US TIPS ETF 808524870 998,202 37,668 SH SOLE 0 0 37,668
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 315,884 423 SH SOLE 0 0 423
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 343,230 488 SH SOLE 0 0 488
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,026,252 17,400 SH SOLE 0 0 17,400
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 266,615 5,149 SH SOLE 0 0 5,149
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 783,968 15,558 SH SOLE 0 0 15,558
AMERICAN CENTY ETF TR US EQT ETF 025072885 2,782,182 21,722 SH SOLE 0 0 21,722
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 292,071 1,893 SH SOLE 0 0 1,893
VANGUARD INDEX FDS GROWTH ETF 922908736 1,961,236 22,768 SH SOLE 0 0 22,768
VANGUARD INDEX FDS SML CP GRW ETF 922908595 301,337 824 SH SOLE 0 0 824
VANGUARD INDEX FDS SM CP VAL ETF 922908611 238,859 983 SH SOLE 0 0 983
VANGUARD INDEX FDS VALUE ETF 922908744 1,185,539 5,440 SH SOLE 0 0 5,440
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 400,182 14,447 SH SOLE 0 0 14,447
ADVANCED MICRO DEVICES INC COM 007903107 393,276 677 SH SOLE 0 0 677
ELI LILLY & CO COM 532457108 272,271 227 SH SOLE 0 0 227
MICROSOFT CORP COM 594918104 685,611 1,838 SH SOLE 0 0 1,838
NORTHROP GRUMMAN CORP COM 666807102 315,772 620 SH SOLE 0 0 620
PROCTER & GAMBLE CO COM 742718109 263,659 1,798 SH SOLE 0 0 1,798
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 348,349 10,294 SH SOLE 0 0 10,294
PIMCO ETF TR 1-5 US TIP IDX 72201R205 219,654 4,118 SH SOLE 0 0 4,118
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 1,086,688 13,262 SH SOLE 0 0 13,262
BLACKSTONE INC COM 09260D107 233,575 1,985 SH SOLE 0 0 1,985
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 215,857 6,201 SH SOLE 0 0 6,201
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 359,210 6,172 SH SOLE 0 0 6,172
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 403,200 1,704 SH SOLE 0 0 1,704
ORACLE CORP COM 68389X105 432,762 2,953 SH SOLE 0 0 2,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 201,657 403 SH SOLE 0 0 403
INVESCO QQQ TR UNIT SER 1 46090E103 318,125 432 SH SOLE 0 0 432
SPDR SERIES TRUST ST STR SP DIV 78464A763 284,272 1,868 SH SOLE 0 0 1,868
HOME DEPOT INC COM 437076102 314,238 891 SH SOLE 0 0 891
WELLTOWER INC COM 95040Q104 219,756 968 SH SOLE 0 0 968
APPLE INC COM 037833100 2,249,485 7,774 SH SOLE 0 0 7,774
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 453,550 470 SH SOLE 0 0 470
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 77,004 40,106 SH SOLE 0 0 40,106
PARKER-HANNIFIN CORP COM 701094104 1,659,870 1,697 SH SOLE 0 0 1,697
ISHARES TR S&P 500 GRWT ETF 464287309 275,060 2,000 SH SOLE 0 0 2,000
CF BANKSHARES INC COM 12520L109 742,077 22,645 SH SOLE 0 0 22,645
STRYKER CORPORATION COM 863667101 669,350 2,126 SH SOLE 0 0 2,126
SHERWIN WILLIAMS CO COM 824348106 5,180,983 15,047 SH SOLE 0 0 15,047
CHEVRON CORPORATION COM 166764100 1,753,741 10,580 SH SOLE 0 0 10,580
EXXON MOBIL CORP COM 30231G102 6,984,751 51,088 SH SOLE 0 0 51,088
TRANE TECHNOLOGIES PLC SHS G8994E103 253,930 517 SH SOLE 0 0 517