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
Estimated average burden
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
ADVANCED MICRO DEVICES INC COM 007903107 788,876 1,358 SH SOLE 0 0 1,358
AIR PRODUCTS AND CHEMICALS I COM 009158106 285,850 975 SH SOLE 0 0 975
AMAZON COM INC COM 023135106 684,274 2,871 SH SOLE 0 0 2,871
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072216 1,375,056 16,200 SH SOLE 0 0 16,200
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 1,245,016 13,650 SH SOLE 0 0 13,650
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 814,923 10,526 SH SOLE 0 0 10,526
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 492,000 7,500 SH SOLE 0 0 7,500
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,681,769 38,157 SH SOLE 0 0 38,157
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 4,125,002 88,580 SH SOLE 0 0 88,580
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 2,509,642 28,135 SH SOLE 0 0 28,135
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,805,951 17,525 SH SOLE 0 0 17,525
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,359,212 18,910 SH SOLE 0 0 18,910
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,394,376 26,502 SH SOLE 0 0 26,502
APPLE INC COM 037833100 2,718,537 9,395 SH SOLE 0 0 9,395
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 324,253 648 SH SOLE 0 0 648
CATERPILLAR INC COM 149123101 559,072 525 SH SOLE 0 0 525
COCA COLA CO COM 191216100 260,552 3,206 SH SOLE 0 0 3,206
COLGATE PALMOLIVE CO COM 194162103 299,427 3,266 SH SOLE 0 0 3,266
DEERE & CO COM 244199105 792,912 1,250 SH SOLE 0 0 1,250
EMERSON ELEC CO COM 291011104 787,325 5,500 SH SOLE 0 0 5,500
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 144,600 10,000 SH SOLE 0 0 10,000
HOME DEPOT INC COM 437076102 429,212 1,217 SH SOLE 0 0 1,217
ISHARES GOLD TR ISHARES NEW 464285204 1,924,750 25,490 SH SOLE 0 0 25,490
ISHARES TR MSCI EAFE ETF 464287465 225,420 2,170 SH SOLE 0 0 2,170
ISHARES TR RUS 1000 VAL ETF 464287598 206,066 850 SH SOLE 0 0 850
ISHARES TR MSCI ACWI ETF 464288257 384,576 2,450 SH SOLE 0 0 2,450
ISHARES TR INTRM GOV CR ETF 464288612 5,811,354 54,775 SH SOLE 0 0 54,775
ISHARES TR ESG OPTIMIZED 464288802 245,337 1,590 SH SOLE 0 0 1,590
MCDONALDS CORP COM 580135101 317,074 1,173 SH SOLE 0 0 1,173
MICROSOFT CORP COM 594918104 1,536,842 4,120 SH SOLE 0 0 4,120
MONDELEZ INTL INC CL A 609207105 382,727 6,617 SH SOLE 0 0 6,617
PALO ALTO NETWORKS INC COM 697435105 298,734 876 SH SOLE 0 0 876
PHILIP MORRIS INTL INC COM 718172109 1,311,959 7,252 SH SOLE 0 0 7,252
PROCTER & GAMBLE CO COM 742718109 572,043 3,901 SH SOLE 0 0 3,901
STRYKER CORPORATION COM 863667101 3,881,662 12,329 SH SOLE 0 0 12,329
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 508,612 1,065 SH SOLE 0 0 1,065
VANGUARD STAR FDS VG TL INTL STK F 921909768 343,755 4,021 SH SOLE 0 0 4,021
VANGUARD WORLD FD MEGA GRWTH IND 921910816 383,727 4,365 SH SOLE 0 0 4,365
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,837,049 87,735 SH SOLE 0 0 87,735
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 254,861 3,577 SH SOLE 0 0 3,577
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 575,502 3,730 SH SOLE 0 0 3,730
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 791,028 5,040 SH SOLE 0 0 5,040
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 286,693 3,238 SH SOLE 0 0 3,238
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,126,213 10,759 SH SOLE 0 0 10,759
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,314,333 5,409 SH SOLE 0 0 5,409
VANGUARD INDEX FDS MID CAP ETF 922908629 300,687 3,732 SH SOLE 0 0 3,732
VANGUARD INDEX FDS GROWTH ETF 922908736 228,960 2,658 SH SOLE 0 0 2,658
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,605,695 15,148 SH SOLE 0 0 15,148
WALMART INC COM 931142103 325,962 2,878 SH SOLE 0 0 2,878
AT&T INC COM 00206R102 166,603 150,840 SH SOLE 0 0 150,840
ALPHABET INC CAP STK CL A 02079K305 826,239 2,312 SH SOLE 0 0 2,312
ALTRIA GROUP INC COM 02209S103 592,364 8,233 SH SOLE 0 0 8,233
BLACKROCK LTD DURATION INCOM COM SHS 09249W101 124,900 10,000 SH SOLE 0 0 10,000
CISCO SYS INC COM 17275R102 553,941 4,716 SH SOLE 0 0 4,716
COSTCO WHOLESALE CORPORATION COM 22160K105 1,557,558 1,665 SH SOLE 0 0 1,665
DELL TECHNOLOGIES INC CL C 24703L202 406,867 943 SH SOLE 0 0 943
EXXON MOBIL CORP COM 30231G102 271,116 1,983 SH SOLE 0 0 1,983
INVESCO QQQ TR UNIT SER 1 46090E103 1,226,106 1,665 SH SOLE 0 0 1,665
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 8,759,621 172,910 SH SOLE 0 0 172,910
ISHARES TR MSCI USA QLT FCT 46432F339 3,614,451 16,472 SH SOLE 0 0 16,472
ISHARES TR CORE MSCI EAFE 46432F842 3,623,682 37,520 SH SOLE 0 0 37,520
ISHARES TR CORE 1 5 YR USD 46432F859 4,446,720 92,160 SH SOLE 0 0 92,160
ISHARES TR INTL EQTY FACTOR 46434V274 1,524,736 37,225 SH SOLE 0 0 37,225
ISHARES TR U S EQUITY FACTR 46434V282 2,397,849 31,705 SH SOLE 0 0 31,705
ISHARES TR MSCI INTL QUALTY 46434V456 2,348,026 47,387 SH SOLE 0 0 47,387
ISHARES TR ULTRA SHORT DUR 46434V878 5,266,137 104,115 SH SOLE 0 0 104,115
ISHARES TR MSCI INTL VLU FT 46435G409 1,896,872 45,358 SH SOLE 0 0 45,358
ISHARES TR 0-3 MTH TREASURY 46436E718 342,278 3,400 SH SOLE 0 0 3,400
NVIDIA CORPORATION COM 67066G104 1,936,871 9,680 SH SOLE 0 0 9,680
NUVEEN TAXABLE MUNICPAL INM COM 67074C103 157,800 10,000 SH SOLE 0 0 10,000
PIMCO CORPORATE & INCM STRG COM 72200U100 119,500 10,000 SH SOLE 0 0 10,000
PIMCO ETF TR MULTISECTOR BD 72201R585 660,348 24,900 SH SOLE 0 0 24,900
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 5,118,003 53,530 SH SOLE 0 0 53,530
PIMCO ETF TR ACTIVE BD ETF 72201R775 5,595,764 60,685 SH SOLE 0 0 60,685
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,978,068 69,220 SH SOLE 0 0 69,220
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,079,354 20,845 SH SOLE 0 0 20,845
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 205,182 2,239 SH SOLE 0 0 2,239
3M CO COM 88579Y101 250,960 1,550 SH SOLE 0 0 1,550
TRAVELERS COMPANIES INC COM 89417E109 242,308 734 SH SOLE 0 0 734
VANGUARD WORLD FD INF TECH ETF 92204A702 669,312 5,600 SH SOLE 0 0 5,600