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
APPLE INC COM 037833100 149,544 517 SH SOLE 1 0 0 517
APPLE INC COM 037833100 2,451,690 8,473 SH SOLE 0 0 8,473
DBX ETF TR XTRACK MUN INFRA 233051705 802,214 31,696 SH SOLE 0 0 31,696
ISHARES TR S&P 100 ETF 464287101 338,796 926 SH SOLE 0 0 926
ISHARES TR ESG EAFE ETF 46436E759 264,967 3,132 SH SOLE 0 0 3,132
ISHARES TR CORE MSCI EAFE 46432F842 853,924 8,842 SH SOLE 1 0 0 8,842
ISHARES TR CORE MSCI EAFE 46432F842 265,269 2,747 SH SOLE 0 0 2,747
ISHARES TR CORE S&P500 ETF 464287200 475,545 635 SH SOLE 1 0 0 635
ISHARES TR CORE S&P500 ETF 464287200 98,817 132 SH SOLE 0 0 132
ISHARES TR GLOBAL REIT ETF 46434V647 12,341,454 446,830 SH SOLE 0 0 446,830
ISHARES TR MSCI ACWI EX US 464288240 99,552 1,308 SH SOLE 1 0 0 1,308
ISHARES TR MSCI ACWI EX US 464288240 148,122 1,946 SH SOLE 0 0 1,946
ISHARES TR MSCI USA MMENTM 46432F396 290,034 846 SH SOLE 1 0 0 846
ISHARES TR MSCI USA MMENTM 46432F396 212,324 619 SH SOLE 0 0 619
ISHARES TR CORE S&P MCP ETF 464287507 431,251 5,593 SH SOLE 1 0 0 5,593
ISHARES TR CORE S&P MCP ETF 464287507 67,955 881 SH SOLE 0 0 881
ISHARES TR CORE UNIVRSL USD 46434V613 312,897 6,780 SH SOLE 1 0 0 6,780
ISHARES TR CORE US AGGBD ET 464287226 302,186 3,053 SH SOLE 1 0 0 3,053
ISHARES TR CORE US AGGBD ET 464287226 161,347 1,630 SH SOLE 0 0 1,630
ISHARES TR GLB INFRASTR ETF 464288372 297,970 4,474 SH SOLE 0 0 4,474
ISHARES TR MSCI INTL VLU FT 46435G409 12,995,017 310,737 SH SOLE 0 0 310,737
ISHARES TR S&P 500 GRWT ETF 464287309 231,188 1,681 SH SOLE 1 0 0 1,681
ISHARES INC MSCI JAPAN ETF 46434G822 104,089 1,116 SH SOLE 1 0 0 1,116
ISHARES INC MSCI JAPAN ETF 46434G822 161,679 1,733 SH SOLE 0 0 1,733
ISHARES INC ESG AWR MSCI EM 46434G863 288,982 5,284 SH SOLE 0 0 5,284
ISHARES INC MSCI GBL MIN VOL 464286525 684,349 5,692 SH SOLE 0 0 5,692
ALPHABET INC CAP STK CL A 02079K305 166,062 465 SH SOLE 1 0 0 465
ALPHABET INC CAP STK CL A 02079K305 244,215 683 SH SOLE 0 0 683
GLOBAL X FDS US NATURAL GAS 37960A172 5,913,812 147,075 SH SOLE 0 0 147,075
PIMCO ETF TR ACTIVE BD ETF 72201R775 99,772 1,082 SH SOLE 1 0 0 1,082
PIMCO ETF TR ACTIVE BD ETF 72201R775 9,379,839 101,723 SH SOLE 0 0 101,723
PIMCO ETF TR MUNI INCOME OPP 72201R635 1,368,499 29,906 SH SOLE 0 0 29,906
STRATEGY SHS DAY HAGAN SMART 86280R803 265,707 4,804 SH SOLE 0 0 4,804
FLEXSHARES TR US QUALITY CAP 33939L746 495,723 5,516 SH SOLE 0 0 5,516
LISTED FDS TR WAHED DOW JONES 53656F268 280,667 7,110 SH SOLE 0 0 7,110
WISDOMTREE TR INTL SMCAP DIV 97717W760 444,789 5,308 SH SOLE 0 0 5,308
WISDOMTREE TR US MIDCAP FUND 97717W570 21,543,328 284,274 SH SOLE 0 0 284,274
WISDOMTREE TR US SMALLCAP FUND 97717W562 475,162 7,009 SH SOLE 0 0 7,009
WISDOMTREE TR YIELD ENHANCD US 97717X511 3,239,080 74,496 SH SOLE 0 0 74,496
WORLD GOLD TR SPDR GLD MINIS 98149E303 3,097 39 SH SOLE 1 0 0 39
WORLD GOLD TR SPDR GLD MINIS 98149E303 436,810 5,500 SH SOLE 0 0 5,500
AMAZON COM INC COM 023135106 77,937 327 SH SOLE 1 0 0 327
AMAZON COM INC COM 023135106 137,515 577 SH SOLE 0 0 577
INVESCO QQQ TR UNIT SER 1 46090E103 279,096 379 SH SOLE 0 0 379
MICROSOFT CORP COM 594918104 151,304 406 SH SOLE 1 0 0 406
MICROSOFT CORP COM 594918104 161,654 433 SH SOLE 0 0 433
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 475,264 4,060 SH SOLE 0 0 4,060
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 307,352 5,897 SH SOLE 0 0 5,897
KRANESHARES TRUST VALU LINE DY ETF 500767645 452,588 16,071 SH SOLE 0 0 16,071
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 451,145 3,787 SH SOLE 1 0 0 3,787
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 319,837 2,685 SH SOLE 0 0 2,685
SPDR SERIES TRUST ST STR SP600SM C 78464A300 419,092 3,841 SH SOLE 1 0 0 3,841
SPDR SERIES TRUST ST STR SP600SM C 78464A300 346,975 3,180 SH SOLE 0 0 3,180
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,691,800 14,218 SH SOLE 1 0 0 14,218
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,033,897 8,689 SH SOLE 0 0 8,689
SPDR SERIES TRUST ST STR P500VAL 78464A508 3,080,837 50,680 SH SOLE 1 0 0 50,680
SPDR SERIES TRUST ST STR P500VAL 78464A508 819,503 13,481 SH SOLE 0 0 13,481
SPDR SERIES TRUST ST STR SP400GRW 78464A821 393,912 3,514 SH SOLE 0 0 3,514
SPDR SERIES TRUST ST STR SP400VAL 78464A839 438,260 4,621 SH SOLE 0 0 4,621
SPDR SERIES TRUST ST STR RATE ETF 78468R200 198,736 6,442 SH SOLE 1 0 0 6,442
SPDR SERIES TRUST ST STR RATE ETF 78468R200 6,781 220 SH SOLE 0 0 220
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 258,425 2,820 SH SOLE 1 0 0 2,820
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 38,750 423 SH SOLE 0 0 423
VANGUARD STAR FDS VG TL INTL STK F 921909768 799,820 9,356 SH SOLE 0 0 9,356
NVIDIA CORPORATION COM 67066G104 273,224 1,366 SH SOLE 1 0 0 1,366
NVIDIA CORPORATION COM 67066G104 137,114 685 SH SOLE 0 0 685
SPDR INDEX SHS FDS ST INTL CAP ETF 78463X871 222,240 5,079 SH SOLE 0 0 5,079
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 14,613 290 SH SOLE 1 0 0 290
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 437,154 8,675 SH SOLE 0 0 8,675
VANGUARD INDEX FDS VALUE ETF 922908744 333,260 1,529 SH SOLE 1 0 0 1,529
VANGUARD INDEX FDS VALUE ETF 922908744 32,119,717 147,385 SH SOLE 0 0 147,385
VANGUARD INDEX FDS GROWTH ETF 922908736 483,245 5,610 SH SOLE 1 0 0 5,610
VANGUARD INDEX FDS GROWTH ETF 922908736 123,795 1,437 SH SOLE 0 0 1,437
VANGUARD INDEX FDS SMALL CP ETF 922908751 102,455 338 SH SOLE 1 0 0 338
VANGUARD INDEX FDS SMALL CP ETF 922908751 780,758 2,576 SH SOLE 0 0 2,576
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 375,830 1,227 SH SOLE 0 0 1,227
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,362,967 3,440 SH SOLE 0 0 3,440
BLACKROCK ETF TRUST DISC VOLA EQ ETF 09290C715 302,994 11,663 SH SOLE 1 0 0 11,663
BLACKROCK ETF TRUST DISC VOLA EQ ETF 09290C715 0 0 SH SOLE 0 0 0
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723 1,089,286 39,268 SH SOLE 1 0 0 39,268
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723 19,529 704 SH SOLE 0 0 704
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 117,513 2,229 SH SOLE 1 0 0 2,229
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 358,391 6,798 SH SOLE 0 0 6,798
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 235,911 2,943 SH SOLE 0 0 2,943
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 221,441 3,256 SH SOLE 1 0 0 3,256
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 193,075 5,325 SH SOLE 1 0 0 5,325
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 17,115 472 SH SOLE 0 0 472
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 803,480 23,743 SH SOLE 1 0 0 23,743
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 13,367 395 SH SOLE 0 0 395
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,444,810 14,309 SH SOLE 0 0 14,309
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C615 601,428 9,619 SH SOLE 0 0 9,619
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 1,550,565 34,962 SH SOLE 0 0 34,962
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631 481,536 13,018 SH SOLE 0 0 13,018
INNOVATOR ETFS TRUST QUITY MANAGD FLR 45783Y673 949,029 24,599 SH SOLE 0 0 24,599
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 24,894 258 SH SOLE 1 0 0 258
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 188,927 1,958 SH SOLE 0 0 1,958
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190 15,780,402 209,678 SH SOLE 0 0 209,678
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 10,551,511 143,871 SH SOLE 0 0 143,871
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,270,179 42,025 SH SOLE 0 0 42,025
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 3,741,354 53,524 SH SOLE 0 0 53,524
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 333,275 8,201 SH SOLE 1 0 0 8,201
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 13,014 305 SH SOLE 1 0 0 305
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 9,707,735 227,523 SH SOLE 0 0 227,523
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 19,225,502 478,127 SH SOLE 0 0 478,127
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 637,290 17,104 SH SOLE 1 0 0 17,104
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 31,980,477 858,306 SH SOLE 0 0 858,306
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 19,608 575 SH SOLE 1 0 0 575
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 2,161,960 63,354 SH SOLE 0 0 63,354
DIMENSIONAL ETF TRUST US COR EQU 1 ETF 25434V625 1,143,785 13,952 SH SOLE 1 0 0 13,952
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 2,698,055 60,822 SH SOLE 1 0 0 60,822
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 39,864,072 486,503 SH SOLE 0 0 486,503
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831 64,172 1,538 SH SOLE 1 0 0 1,538
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831 46,842,742 1,122,520 SH SOLE 0 0 1,122,520
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 393,211 7,148 SH SOLE 0 0 7,148
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,714,668 45,114 SH SOLE 0 0 45,114
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 62,631 1,615 SH SOLE 1 0 0 1,615
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 10,413,928 268,469 SH SOLE 0 0 268,469
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 364,926 7,826 SH SOLE 0 0 7,826
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 898,405 24,387 SH SOLE 1 0 0 24,387
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 320,578 5,980 SH SOLE 1 0 0 5,980
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 30,847 575 SH SOLE 0 0 575
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 211,258 1,141 SH SOLE 1 0 0 1,141
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 14,802 80 SH SOLE 0 0 80
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 443,531 2,328 SH SOLE 1 0 0 2,328
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 67,067 352 SH SOLE 0 0 352
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 161,585 2,074 SH SOLE 1 0 0 2,074
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,471,938 18,893 SH SOLE 0 0 18,893
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 166,938 3,447 SH SOLE 1 0 0 3,447
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 39,249 810 SH SOLE 0 0 810
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 806,926 6,313 SH SOLE 1 0 0 6,313
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 172,886 1,353 SH SOLE 0 0 1,353
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 1,538,159 14,469 SH SOLE 1 0 0 14,469
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 117,696 1,107 SH SOLE 0 0 1,107
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 214,610 746 SH SOLE 1 0 0 746
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 110,218 383 SH SOLE 0 0 383
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 190,554 975 SH SOLE 1 0 0 975
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 121,461 621 SH SOLE 0 0 621
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 206,292 4,407 SH SOLE 1 0 0 4,407
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 18,005 385 SH SOLE 0 0 385
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 449,018 6,302 SH SOLE 1 0 0 6,302
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 102,386 1,437 SH SOLE 0 0 1,437
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F664 823,045 15,740 SH SOLE 0 0 15,740
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 198,845 3,965 SH SOLE 1 0 0 3,965
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 6,694 133 SH SOLE 0 0 133
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 3,124,017 116,394 SH SOLE 0 0 116,394
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 317,202 3,521 SH SOLE 1 0 0 3,521
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 6,217 69 SH SOLE 0 0 69
J P MORGAN EXCHANGE TRADED F INTERNL GWT 46641Q324 401,179 4,602 SH SOLE 0 0 4,602
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,556,843 30,734 SH SOLE 0 0 30,734
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 227,242 4,456 SH SOLE 0 0 4,456
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 2,238,068 29,857 SH SOLE 0 0 29,857
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,392,120 1,864 SH SOLE 1 0 0 1,864
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 160,196 215 SH SOLE 0 0 215
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 163,013 2,731 SH SOLE 1 0 0 2,731
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39,498 662 SH SOLE 0 0 662