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
ADVANCED MICRO DEVICES INC COM 007903107 220,746 380 SH SOLE 0 0 0 380
APPLE INC COM 037833100 810,270 2,800 SH SOLE 0 0 0 2,800
BERKLEY W R CORP COM 084423102 243,822 3,457 SH SOLE 0 0 0 3,457
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,287,283 4,571 SH SOLE 0 0 0 4,571
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 12,175,257 148,587 SH SOLE 0 0 0 148,587
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 5,674,730 154,037 SH SOLE 0 0 0 154,037
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1,009,925 18,359 SH SOLE 0 0 0 18,359
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 249,452 8,514 SH SOLE 0 0 0 8,514
FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 281,193 1,921 SH SOLE 0 0 0 1,921
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 324,435 7,594 SH SOLE 0 0 0 7,594
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 440,102 7,397 SH SOLE 0 0 0 7,397
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 7,067,568 23,328 SH SOLE 0 0 0 23,328
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 1,657,154 25,680 SH SOLE 0 0 0 25,680
INVESCO QQQ TR UNIT SER 1 46090E103 488,752 664 SH SOLE 0 0 0 664
ISHARES TR RUS MDCP VAL ETF 464287473 706,954 4,295 SH SOLE 0 0 0 4,295
ISHARES TR EAFE VALUE ETF 464288877 246,416 3,219 SH SOLE 0 0 0 3,219
ISHARES TR CORE US AGGBD ET 464287226 368,562 3,724 SH SOLE 0 0 0 3,724
ISHARES TR TIPS BD ETF 464287176 4,136,467 37,800 SH SOLE 0 0 0 37,800
ISHARES TR MORNINGSTAR GRWT 464287119 589,943 5,041 SH SOLE 0 0 0 5,041
ISHARES TR SHRT NAT MUN ETF 464288158 813,032 7,636 SH SOLE 0 0 0 7,636
ISHARES TR PFD AND INCM SEC 464288687 6,260,522 205,330 SH SOLE 0 0 0 205,330
ISHARES TR NATIONAL MUN ETF 464288414 965,203 8,969 SH SOLE 0 0 0 8,969
ISHARES TR MSCI EAFE MIN VL 46429B689 413,952 4,720 SH SOLE 0 0 0 4,720
ISHARES TR A RATE CP BD ETF 46429B291 2,709,528 57,019 SH SOLE 0 0 0 57,019
ISHARES TR GLOBAL REIT ETF 46434V647 4,050,100 146,636 SH SOLE 0 0 0 146,636
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,041,824 59,141 SH SOLE 0 0 0 59,141
ISHARES TR MSCI USA MMENTM 46432F396 516,828 1,508 SH SOLE 0 0 0 1,508
ISHARES TR IBONDS DEC2026 46435GAA0 252,000 10,400 SH SOLE 0 0 0 10,400
ISHARES TR ESG AWR MSCI USA 46435G425 953,555 5,826 SH SOLE 0 0 0 5,826
ISHARES TR RUSEL 2500 ETF 46435G268 1,758,050 19,186 SH SOLE 0 0 0 19,186
ISHARES TR IBONDS 27 ETF 46435UAA9 274,288 11,325 SH SOLE 0 0 0 11,325
ISHARES TR MSCI INTL QUALTY 46434V456 1,605,032 32,392 SH SOLE 0 0 0 32,392
JOHNSON & JOHNSON COM 478160104 233,120 918 SH SOLE 0 0 0 918
MICROSOFT CORP COM 594918104 511,646 1,372 SH SOLE 0 0 0 1,372
NVIDIA CORPORATION COM 67066G104 1,248,595 6,240 SH SOLE 0 0 0 6,240
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,560,962 45,243 SH SOLE 0 0 0 45,243
PROCTER & GAMBLE CO COM 742718109 246,239 1,679 SH SOLE 0 0 0 1,679
PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF 74316P579 258,078 4,852 SH SOLE 0 0 0 4,852
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 1,405,768 46,151 SH SOLE 0 0 0 46,151
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 455,018 2,388 SH SOLE 0 0 0 2,388
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 9,924,675 196,957 SH SOLE 0 0 0 196,957
SPDR SERIES TRUST ST INTER BD ETF 78464A375 4,679,738 139,861 SH SOLE 0 0 0 139,861
SPDR SERIES TRUST ST STR PFD ETF 78464A292 632,909 20,731 SH SOLE 0 0 0 20,731
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 404,057 13,928 SH SOLE 0 0 0 13,928
SPDR SERIES TRUST ST STR P500GRW 78464A409 406,811 3,419 SH SOLE 0 0 0 3,419
SPDR SERIES TRUST ST STR PR SP1500 78464A805 14,370,446 158,282 SH SOLE 0 0 0 158,282
UNION PAC CORP COM 907818108 900,194 3,310 SH SOLE 0 0 0 3,310
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,145,492 11,019 SH SOLE 0 0 0 11,019
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 1,443,483 43,413 SH SOLE 0 0 0 43,413
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 4,144,115 60,121 SH SOLE 0 0 0 60,121
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,542,404 109,645 SH SOLE 0 0 0 109,645
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,910,085 39,642 SH SOLE 0 0 0 39,642
VANGUARD INDEX FDS VALUE ETF 922908744 512,372 2,351 SH SOLE 0 0 0 2,351
VANGUARD INDEX FDS MID CAP ETF 922908629 2,630,089 32,644 SH SOLE 0 0 0 32,644
VANGUARD INDEX FDS SM CP VAL ETF 922908611 208,733 859 SH SOLE 0 0 0 859
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,552,129 9,599 SH SOLE 0 0 0 9,599
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,269,930 3,305 SH SOLE 0 0 0 3,305
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,307,621 14,703 SH SOLE 0 0 0 14,703
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,230,229 37,364 SH SOLE 0 0 0 37,364
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 576,778 6,887 SH SOLE 0 0 0 6,887
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 226,747 4,514 SH SOLE 0 0 0 4,514
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,937,819 67,660 SH SOLE 0 0 0 67,660
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,112,865 37,663 SH SOLE 0 0 0 37,663
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 204,640 865 SH SOLE 0 0 0 865
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,873,532 115,493 SH SOLE 0 0 0 115,493
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 921,650 12,935 SH SOLE 0 0 0 12,935
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 471,739 2,985 SH SOLE 0 0 0 2,985
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,028,875 6,295 SH SOLE 0 0 0 6,295
VANGUARD WORLD FD ESG US STK ETF 921910733 444,944 3,365 SH SOLE 0 0 0 3,365
VANGUARD WORLD FD ESG INTL STK ETF 921910725 974,934 11,840 SH SOLE 0 0 0 11,840
VANGUARD WORLD FD INF TECH ETF 92204A702 423,579 3,544 SH SOLE 0 0 0 3,544
WALMART INC COM 931142103 205,458 1,814 SH SOLE 0 0 0 1,814
WISDOMTREE TR US TOTAL DIVIDND 97717W109 727,325 7,800 SH SOLE 0 0 0 7,800
WISDOMTREE TR EM EX ST-OWNED 97717X578 628,037 12,770 SH SOLE 0 0 0 12,770