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
3M CO COM 88579Y101 843,517 5,139 SH SOLE 0 0 5,139
DFA INVT DIMENSIONS GROUP IN U.S. SML CP VAL *A* 25239Y170 2,804,846 74,856 SH SOLE 0 0 74,856
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 13,081,621 302,186 SH SOLE 0 0 302,186
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 5,202,151 117,034 SH SOLE 0 0 117,034
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 5,090,902 97,229 SH SOLE 0 0 97,229
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 3,350,098 40,348 SH SOLE 0 0 40,348
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 625,986 15,583 SH SOLE 0 0 15,583
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 9,117,559 137,230 SH SOLE 0 0 137,230
ISHARES TR CORE S&P SCP ETF 464287804 10,451,955 76,830 SH SOLE 0 0 76,830
ISHARES TR CORE S&P500 ETF 464287200 402,352 525 SH SOLE 0 0 525
ISHARES TR IBDS DEC28 ETF 46435U515 4,742,274 189,995 SH SOLE 0 0 189,995
ISHARES TR IBONDS 27 ETF 46435UAA9 962,403 39,901 SH SOLE 0 0 39,901
ISHARES TR IBONDS DEC 2030 46436E726 2,700,912 127,763 SH SOLE 0 0 127,763
ISHARES TR IBONDS DEC 2031 46436E486 481,473 24,002 SH SOLE 0 0 24,002
ISHARES TR IBONDS DEC2026 46435GAA0 885,550 36,533 SH SOLE 0 0 36,533
ISHARES TR MRNING SM CP ETF 464288703 2,029,091 27,125 SH SOLE 0 0 27,125
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 423,769 13,466 SH SOLE 0 0 13,466
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 711,714 25,909 SH SOLE 0 0 25,909
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,838,046 128,418 SH SOLE 0 0 128,418
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,651,998 45,978 SH SOLE 0 0 45,978
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,204,559 66,183 SH SOLE 0 0 66,183
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,011,032 1,326 SH SOLE 0 0 1,326
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 333,860 476 SH SOLE 0 0 476
VANGUARD MALVERN FDS CORE BD ETF 922020748 2,034,619 27,637 SH SOLE 0 0 27,637
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,370,255 247,354 SH SOLE 0 0 247,354
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,914,100 193,063 SH SOLE 0 0 193,063
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,242,632 173,384 SH SOLE 0 0 173,384