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
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,789,325 227,336 SH SOLE 0 0 227,336
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 16,609,307 105,102 SH SOLE 0 0 105,102
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 16,510,363 326,485 SH SOLE 0 0 326,485
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 13,188,786 324,527 SH SOLE 0 0 324,527
ISHARES TR INTERNATIONAL SL 46434V266 11,886,641 274,582 SH SOLE 0 0 274,582
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 11,180,722 192,109 SH SOLE 0 0 192,109
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,023,658 16,051 SH SOLE 0 0 16,051
ISHARES TR CORE MSCI INTL 46435G326 9,879,922 110,998 SH SOLE 0 0 110,998
ISHARES TR GLOBAL REIT ETF 46434V647 8,834,948 319,875 SH SOLE 0 0 319,875
ISHARES TR S&P MC 400VL ETF 464287705 8,557,697 57,928 SH SOLE 0 0 57,928
ISHARES INC CORE MSCI EMKT 46434G103 8,423,414 101,683 SH SOLE 0 0 101,683
BERKSHIRE HATHAWAY INC DEL CL A 084670108 7,488,500 10 SH SOLE 0 0 10
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 7,414,428 137,253 SH SOLE 0 0 137,253
ISHARES TR S&P MC 400GR ETF 464287606 6,671,752 56,781 SH SOLE 0 0 56,781
ISHARES TR EAFE VALUE ETF 464288877 6,197,394 80,959 SH SOLE 0 0 80,959
VANGUARD INDEX FDS GROWTH ETF 922908736 6,034,934 70,060 SH SOLE 0 0 70,060
VANGUARD WORLD FD EXTENDED DUR 921910709 6,009,281 92,337 SH SOLE 0 0 92,337
ISHARES TR CORE S&P SCP ETF 464287804 5,870,449 39,582 SH SOLE 0 0 39,582
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,585,414 23,206 SH SOLE 0 0 23,206
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,573,631 29,643 SH SOLE 0 0 29,643
WISDOMTREE TR EMG MKTS SMCAP 97717W281 4,352,175 67,257 SH SOLE 0 0 67,257
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,895,277 12,851 SH SOLE 0 0 12,851
ISHARES TR SP SMCP600VL ETF 464287879 3,845,608 28,136 SH SOLE 0 0 28,136
APPLE INC COM 037833100 3,804,844 13,149 SH SOLE 0 0 13,149
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,712,894 7,420 SH SOLE 0 0 7,420
EXXON MOBIL CORP COM 30231G102 2,931,972 21,445 SH SOLE 0 0 21,445
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,600,004 50,980 SH SOLE 0 0 50,980
VANGUARD WORLD FD MEGA GRWTH IND 921910816 2,422,203 27,553 SH SOLE 0 0 27,553
NVIDIA CORPORATION COM 67066G104 2,413,886 12,064 SH SOLE 0 0 12,064
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,339,670 7,638 SH SOLE 0 0 7,638
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,203,357 23,596 SH SOLE 0 0 23,596
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,780,768 10,895 SH SOLE 0 0 10,895
VANGUARD INDEX FDS VALUE ETF 922908744 1,751,102 8,035 SH SOLE 0 0 8,035
MICROSOFT CORP COM 594918104 1,688,797 4,527 SH SOLE 0 0 4,527
ISHARES TR RUS MDCP VAL ETF 464287473 1,212,443 7,366 SH SOLE 0 0 7,366
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,126,457 11,682 SH SOLE 0 0 11,682
AMAZON COM INC COM 023135106 1,085,639 4,555 SH SOLE 0 0 4,555
ALPHABET INC CAP STK CL C 02079K107 1,017,767 2,880 SH SOLE 0 0 2,880
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,010,834 17,885 SH SOLE 0 0 17,885
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,006,278 16,858 SH SOLE 0 0 16,858
ISHARES TR EAFE GRWTH ETF 464288885 1,002,256 8,055 SH SOLE 0 0 8,055
VANGUARD STAR FDS VG TL INTL STK F 921909768 992,198 11,606 SH SOLE 0 0 11,606
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 990,364 13,900 SH SOLE 0 0 13,900
VANGUARD INDEX FDS TOTAL STK MKT 922908769 920,030 2,486 SH SOLE 0 0 2,486
INTERNATIONAL BUSINESS MACHS COM 459200101 813,495 2,893 SH SOLE 0 0 2,893
CATERPILLAR INC COM 149123101 752,884 707 SH SOLE 0 0 707
ISHARES TR 20 YR TR BD ETF 464287432 727,613 8,419 SH SOLE 0 0 8,419
BROADCOM INC COM 11135F101 627,821 1,662 SH SOLE 0 0 1,662
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 624,116 15,599 SH SOLE 0 0 15,599
ALPHABET INC CAP STK CL A 02079K305 614,245 1,719 SH SOLE 0 0 1,719
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 614,152 7,771 SH SOLE 0 0 7,771
APPLIED MATLS INC COM 038222105 536,837 743 SH SOLE 0 0 743
ISHARES TR MSCI USA QLT FCT 46432F339 518,733 2,364 SH SOLE 0 0 2,364
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 479,829 11,632 SH SOLE 0 0 11,632
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 478,357 15,085 SH SOLE 0 0 15,085
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 461,810 967 SH SOLE 0 0 967
META PLATFORMS INC CL A 30303M102 456,828 811 SH SOLE 0 0 811
WESTERN DIGITAL CORP COM 958102105 452,214 708 SH SOLE 0 0 708
AMGEN INC COM 031162100 425,973 1,176 SH SOLE 0 0 1,176
TESLA INC COM 88160R101 419,759 998 SH SOLE 0 0 998
BRISTOL-MYERS SQUIBB CO COM 110122108 418,429 7,262 SH SOLE 0 0 7,262
MASTERCARD INCORPORATED CL A 57636Q104 413,962 806 SH SOLE 0 0 806
ISHARES TR RUS 1000 VAL ETF 464287598 397,032 1,638 SH SOLE 0 0 1,638
ELI LILLY & CO COM 532457108 387,416 323 SH SOLE 0 0 323
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 385,834 1,631 SH SOLE 0 0 1,631
INTUITIVE SURGICAL INC COM NEW 46120E602 376,205 946 SH SOLE 0 0 946
MICRON TECHNOLOGY INC COM 595112103 375,144 325 SH SOLE 0 0 325
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 358,927 3,655 SH SOLE 0 0 3,655
ISHARES INC ESG AWR MSCI EM 46434G863 353,420 6,462 SH SOLE 0 0 6,462
VISA INC COM CL A 92826C839 347,550 1,013 SH SOLE 0 0 1,013
STRYKER CORPORATION COM 863667101 344,433 1,094 SH SOLE 0 0 1,094
INVESCO QQQ TR UNIT SER 1 46090E103 320,334 435 SH SOLE 0 0 435
WISDOMTREE TR US SMALLCAP DIVD 97717W604 266,993 6,563 SH SOLE 0 0 6,563
ISHARES INC MSCI WORLD ETF 464286392 260,392 1,285 SH SOLE 0 0 1,285
SANDISK CORP COM 80004C200 256,931 113 SH SOLE 0 0 113
JOHNSON & JOHNSON COM 478160104 248,087 977 SH SOLE 0 0 977
ASML HLDG NV N Y REGISTRY SHS N07059210 234,754 118 SH SOLE 0 0 118
VANGUARD WORLD FD ENERGY ETF 92204A306 218,700 1,457 SH SOLE 0 0 1,457
ISHARES TR GLB INFRASTR ETF 464288372 214,608 3,222 SH SOLE 0 0 3,222
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 212,553 6,035 SH SOLE 0 0 6,035
EA SERIES TRUST ALPHA ARCHITECT 02072Q275 207,282 3,641 SH SOLE 0 0 3,641
ISHARES TR CORE S&P500 ETF 464287200 205,945 275 SH SOLE 0 0 275
COSTCO WHOLESALE CORPORATION COM 22160K105 201,529 215 SH SOLE 0 0 215