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
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072216 2,487,307 29,256 SH SOLE 29,256 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 423,453 2,698 SH SOLE 2,698 0 0
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 4,277,860 103,305 SH SOLE 102,906 0 399
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 5,316,231 59,599 SH SOLE 59,599 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 2,630,431 25,526 SH SOLE 25,526 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 17,343,827 135,414 SH SOLE 135,414 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 5,220,123 41,841 SH SOLE 41,841 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 5,094,993 119,413 SH SOLE 119,186 0 227
DIMENSIONAL ETF TRUST INTL COR FIX ETF 25434V575 3,399,304 63,426 SH SOLE 63,418 0 8
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,816,951 53,244 SH SOLE 53,154 0 90
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,665,479 49,342 SH SOLE 49,330 0 12
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831 3,871,292 92,770 SH SOLE 92,624 0 146
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 5,522,789 139,676 SH SOLE 139,667 0 9
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 4,378,393 106,130 SH SOLE 106,130 0 0
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 4,518,875 97,038 SH SOLE 97,038 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 344,781 6,897 SH SOLE 6,897 0 0
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 13,312,885 300,110 SH SOLE 300,110 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5,019,847 91,253 SH SOLE 91,253 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,985,974 108,197 SH SOLE 108,197 0 0
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 830,790 15,943 SH SOLE 15,943 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 413,620 7,563 SH SOLE 7,563 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 231,294 337 SH SOLE 337 0 0
EA SERIES TRUST ALPHA ARCHITECT 02072L516 557,069 6,165 SH SOLE 6,165 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,653,401 37,863 SH SOLE 37,863 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,700,249 16,643 SH SOLE 16,643 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,060,064 13,848 SH SOLE 13,848 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 1,172,140 21,979 SH SOLE 21,979 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,082,007 6,073 SH SOLE 6,073 0 0
WISDOMTREE TR US EFFIC CORE FD 97717Y790 276,982 4,691 SH SOLE 4,691 0 0
WALMART INC COM 931142103 461,874 4,078 SH SOLE 4,078 0 0
APPLE INC COM 037833100 455,581 1,574 SH SOLE 1,574 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 871,782 28,621 SH SOLE 28,621 0 0
ISHARES TR 3YRTB ETF 464288125 1,239,595 16,696 SH SOLE 16,696 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,213,711 23,158 SH SOLE 23,158 0 0
ISHARES TR MBS ETF 464288588 576,950 6,104 SH SOLE 6,104 0 0
ISHARES TR TIPS BD ETF 464287176 1,168,275 10,676 SH SOLE 10,676 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2,469,679 41,873 SH SOLE 41,873 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,101,580 14,232 SH SOLE 14,232 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,093,210 22,573 SH SOLE 22,573 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 364,172 12,575 SH SOLE 12,575 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 851,901 16,345 SH SOLE 16,345 0 0
PACER FDS TR CASH COWS ETF 69374H659 226,168 4,805 SH SOLE 4,805 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 347,962 4,978 SH SOLE 4,978 0 0
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 398,283 8,341 SH SOLE 8,341 0 0
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232 292,008 2,947 SH SOLE 2,947 0 0
DIMENSIONAL ETF TRUST ULTR FIX INC ETF 25434V591 1,388,636 27,346 SH SOLE 27,346 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 228,289 5,753 SH SOLE 5,753 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 293,336 5,560 SH SOLE 5,560 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 902,353 37,380 SH SOLE 37,380 0 0
ISHARES TR GNMA BOND ETF 46429B333 1,636,864 37,008 SH SOLE 37,008 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 276,460 747 SH SOLE 747 0 0
AMERICAN CENTY ETF TR AVANTIS ALL INT 025072166 230,452 2,792 SH SOLE 2,792 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS DWNSD 82889N202 450,390 10,858 SH SOLE 10,858 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 966,073 11,790 SH SOLE 11,790 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 318,573 3,869 SH SOLE 3,869 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 579,380 11,457 SH SOLE 11,457 0 0
COLGATE PALMOLIVE CO COM 194162103 1,764,234 19,243 SH SOLE 19,243 0 0
GREIF INC CL A 397624107 436,765 5,815 SH SOLE 5,815 0 0
INTEL CORP COM 458140100 518,027 3,710 SH SOLE 3,710 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 710,730 7,060 SH SOLE 7,060 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 222,132 2,303 SH SOLE 2,303 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 279,389 922 SH SOLE 922 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 354,146 2,771 SH SOLE 2,771 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 259,998 1,042 SH SOLE 1,042 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,336,641 4,033 SH SOLE 4,033 0 0