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 INTL SMCP VLU 025072802 1,340,760 12,258 SH SOLE 0 0 12,258
AMERICAN CENTY ETF TR US EQT ETF 025072885 642,834 5,019 SH SOLE 0 0 5,019
AMERICAN CENTY ETF TR US SML CP VALU 025072877 840,629 7,138 SH SOLE 0 0 7,138
APPLE INC COM 037833100 4,385,423 13,169 SH SOLE 0 0 13,169
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 303,196 6,425 SH SOLE 0 0 6,425
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 532,019 14,636 SH SOLE 0 0 14,636
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 455,916 9,312 SH SOLE 0 0 9,312
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 1,327,366 16,253 SH SOLE 0 0 16,253
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 364,902 8,297 SH SOLE 0 0 8,297
BLACKROCK ETF TRUST ISHA WORL EX ETF 09290C608 215,041 3,710 SH SOLE 0 0 3,710
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 205,600 6,584 SH SOLE 0 0 6,584
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 1,104,381 15,945 SH SOLE 0 0 15,945
CROWDSTRIKE HLDGS INC CL A 22788C105 6,829,491 25,796 SH SOLE 0 0 25,796
CSX CORP COM 126408103 606,956 13,050 SH SOLE 0 0 13,050
DFA INVT DIMENSIONS GROUP IN REAL ESTATE SECU 25239Y147 1,948,927 80,667 SH SOLE 0 0 80,667
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 8,288,673 206,597 SH SOLE 0 0 206,597
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 7,380,777 185,820 SH SOLE 0 0 185,820
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 377,241 9,170 SH SOLE 0 0 9,170
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 311,969 7,358 SH SOLE 0 0 7,358
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 913,989 23,251 SH SOLE 0 0 23,251
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 565,567 13,651 SH SOLE 0 0 13,651
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 10,061,549 267,523 SH SOLE 0 0 267,523
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 235,820 7,000 SH SOLE 0 0 7,000
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 725,140 16,751 SH SOLE 0 0 16,751
DIMENSIONAL ETF TRUST INTL VEC EQU ETF 25434V542 4,443,044 61,700 SH SOLE 0 0 61,700
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 3,972,491 85,481 SH SOLE 0 0 85,481
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 36,489,640 820,914 SH SOLE 0 0 820,914
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 2,322,917 44,364 SH SOLE 0 0 44,364
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 4,282,672 85,798 SH SOLE 0 0 85,798
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 5,874,203 135,145 SH SOLE 0 0 135,145
ISHARES INC CORE MSCI EMKT 46434G103 503,628 6,205 SH SOLE 0 0 6,205
ISHARES TR 10-20 YR TRS ETF 464288653 213,834 2,320 SH SOLE 0 0 2,320
ISHARES TR 3 7 YR TREAS BD 464288661 11,043,094 97,347 SH SOLE 0 0 97,347
ISHARES TR CORE MSCI EAFE 46432F842 923,080 9,528 SH SOLE 0 0 9,528
ISHARES TR CORE S&P TTL STK 464287150 233,977 1,407 SH SOLE 0 0 1,407
ISHARES TR CORE S&P500 ETF 464287200 3,890,054 5,079 SH SOLE 0 0 5,079
ISHARES TR CORE UNIVRSL USD 46434V613 1,379,135 31,280 SH SOLE 0 0 31,280
ISHARES TR EAFE GRWTH ETF 464288885 751,094 6,268 SH SOLE 0 0 6,268
ISHARES TR EAFE VALUE ETF 464288877 857,474 10,835 SH SOLE 0 0 10,835
ISHARES TR ESG AW MSCI EAFE 46435G516 651,133 6,319 SH SOLE 0 0 6,319
ISHARES TR ESG AWR MSCI USA 46435G425 1,786,144 10,708 SH SOLE 0 0 10,708
ISHARES TR ESG AWR MSCI USA 46436E221 363,014 10,011 SH SOLE 0 0 10,011
ISHARES TR ESG AWR US AGRGT 46435U549 1,120,782 24,769 SH SOLE 0 0 24,769
ISHARES TR ESG AWRE USD ETF 46435G193 1,344,875 61,284 SH SOLE 0 0 61,284
ISHARES TR ESG EAFE ETF 46436E759 348,147 4,113 SH SOLE 0 0 4,113
ISHARES TR ESG MSCI KLD ETF 464288570 849,496 5,811 SH SOLE 0 0 5,811
ISHARES TR ESG MSCI USA ETF 46436E767 586,826 8,622 SH SOLE 0 0 8,622
ISHARES TR MSCI ACWI EX US 464288240 305,127 4,035 SH SOLE 0 0 4,035
ISHARES TR MSCI USA QLT FCT 46432F339 570,766 2,568 SH SOLE 0 0 2,568
ISHARES TR NATIONAL MUN ETF 464288414 3,687,007 36,469 SH SOLE 0 0 36,469
ISHARES TR S&P 100 ETF 464287101 605,254 1,584 SH SOLE 0 0 1,584
ISHARES TR S&P 500 GRWT ETF 464287309 1,158,784 8,146 SH SOLE 0 0 8,146
ISHARES TR S&P 500 VAL ETF 464287408 895,314 3,922 SH SOLE 0 0 3,922
ISHARES TR SHRT NAT MUN ETF 464288158 852,775 8,157 SH SOLE 0 0 8,157
ISHARES TR TIPS BD ETF 464287176 5,973,824 57,419 SH SOLE 0 0 57,419
ISHARES TR U.S. TECH ETF 464287721 314,070 1,186 SH SOLE 0 0 1,186
PROCTER & GAMBLE CO COM 742718109 277,775 1,912 SH SOLE 0 0 1,912
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 219,792 9,120 SH SOLE 0 0 9,120
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 4,051,845 188,985 SH SOLE 0 0 188,985
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 630,931 22,968 SH SOLE 0 0 22,968
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 5,994,063 252,914 SH SOLE 0 0 252,914
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,003,406 83,965 SH SOLE 0 0 83,965
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 646,781 29,266 SH SOLE 0 0 29,266
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 470,503 13,095 SH SOLE 0 0 13,095
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,257,029 129,607 SH SOLE 0 0 129,607
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 597,018 3,050 SH SOLE 0 0 3,050
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 309,591 5,981 SH SOLE 0 0 5,981
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 351,679 460 SH SOLE 0 0 460
VANGUARD BD INDEX FDS INTERMED TERM 921937819 207,584 2,849 SH SOLE 0 0 2,849
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 203,966 3,251 SH SOLE 0 0 3,251
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 882,677 11,553 SH SOLE 0 0 11,553
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 201,310 2,870 SH SOLE 0 0 2,870
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 560,562 11,960 SH SOLE 0 0 11,960
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,032,334 33,651 SH SOLE 0 0 33,651
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 978,495 2,781 SH SOLE 0 0 2,781
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 413,854 1,455 SH SOLE 0 0 1,455
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 207,234 897 SH SOLE 0 0 897
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 992,062 2,651 SH SOLE 0 0 2,651
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,046,923 9,473 SH SOLE 0 0 9,473
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 228,881 3,023 SH SOLE 0 0 3,023
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 979,644 16,517 SH SOLE 0 0 16,517
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,589,888 54,685 SH SOLE 0 0 54,685
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 562,649 9,930 SH SOLE 0 0 9,930
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 314,823 7,089 SH SOLE 0 0 7,089
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 214,665 3,729 SH SOLE 0 0 3,729
VANGUARD STAR FDS VG TL INTL STK F 921909768 277,570 3,267 SH SOLE 0 0 3,267
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,819,124 25,763 SH SOLE 0 0 25,763
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 656,272 6,656 SH SOLE 0 0 6,656