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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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 EMGMKT 025072604 2,955,613 31,436 SH SOLE 0 0 31,436
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 8,325,623 92,394 SH SOLE 0 0 92,394
AMERICAN CENTY ETF TR AVANTIS US LARG 025072158 12,030,012 133,267 SH SOLE 0 0 133,267
AMERICAN CENTY ETF TR AVAN US SMAL ETF 025072323 1,382,247 19,992 SH SOLE 0 0 19,992
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,461,003 94,895 SH SOLE 0 0 94,895
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,548,992 400,209 SH SOLE 0 0 400,209
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 266,512 5,149 SH SOLE 0 0 5,149
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5,309,010 22,920 SH SOLE 0 0 22,920
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 19,052,837 269,832 SH SOLE 0 0 269,832
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,887,507 99,267 SH SOLE 0 0 99,267
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,668,168 35,197 SH SOLE 0 0 35,197
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 561,728 9,759 SH SOLE 0 0 9,759
AMERICAN CENTY ETF TR US EQT ETF 025072885 3,815,317 29,786 SH SOLE 0 0 29,786
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 2,060,722 24,819 SH SOLE 0 0 24,819
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 315,411 9,696 SH SOLE 0 0 9,696
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,120,396 44,584 SH SOLE 0 0 44,584
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 786,339 15,661 SH SOLE 0 0 15,661
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 322,592 423 SH SOLE 0 0 423
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 320,474 488 SH SOLE 0 0 488
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,128,441 19,916 SH SOLE 0 0 19,916
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 294,199 1,895 SH SOLE 0 0 1,895
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 2,055,950 22,816 SH SOLE 0 0 22,816
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 278,372 824 SH SOLE 0 0 824
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 227,334 984 SH SOLE 0 0 984
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,169,425 5,412 SH SOLE 0 0 5,412
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 398,864 14,520 SH SOLE 0 0 14,520
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 312,490 685 SH SOLE 0 0 685
ADVANCED MICRO DEVICES INC COM 007903107 414,162 677 SH SOLE 0 0 677
ELI LILLY & CO COM 532457108 262,657 227 SH SOLE 0 0 227
MICROSOFT CORP COM 594918104 942,710 1,838 SH SOLE 0 0 1,838
NORTHROP GRUMMAN CORP COM 666807102 299,758 620 SH SOLE 0 0 620
PROCTER & GAMBLE CO COM 742718109 261,213 1,798 SH SOLE 0 0 1,798
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 370,941 10,324 SH SOLE 0 0 10,324
PIMCO ETF TR 1-5 US TIP IDX 72201R205 213,601 4,118 SH SOLE 0 0 4,118
BLACKSTONE INC COM 09260D107 222,499 1,985 SH SOLE 0 0 1,985
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 206,555 6,201 SH SOLE 0 0 6,201
ORACLE CORP COM 68389X105 405,447 2,953 SH SOLE 0 0 2,953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 200,674 403 SH SOLE 0 0 403
INVESCO QQQ TR UNIT SER 1 46090E103 319,581 432 SH SOLE 0 0 432
SPDR SERIES TRUST ST STR SP DIV 78464A763 273,625 1,868 SH SOLE 0 0 1,868
HOME DEPOT INC COM 437076102 253,481 891 SH SOLE 0 0 891
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 364,664 1,563 SH SOLE 0 0 1,563
WELLTOWER INC COM 95040Q104 206,449 897 SH SOLE 0 0 897
APPLE INC COM 037833100 2,485,994 7,465 SH SOLE 0 0 7,465
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 379,082 411 SH SOLE 0 0 411
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 54,945 40,106 SH SOLE 0 0 40,106
PARKER-HANNIFIN CORP COM 701094104 1,621,348 1,697 SH SOLE 0 0 1,697
ISHARES TR S&P 500 GRWT ETF 464287309 284,520 2,000 SH SOLE 0 0 2,000
CF BANKSHARES INC COM 12520L109 784,454 23,130 SH SOLE 0 0 23,130
STRYKER CORPORATION COM 863667101 585,479 2,126 SH SOLE 0 0 2,126
SHERWIN WILLIAMS CO COM 824348106 4,812,844 14,888 SH SOLE 0 0 14,888
CHEVRON CORPORATION COM 166764100 2,160,542 10,580 SH SOLE 0 0 10,580
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 8,314,572 51,088 SH SOLE 0 0 51,088
TRANE TECHNOLOGIES PLC SHS G8994E103 229,606 508 SH SOLE 0 0 508