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
ALPHABET INC CAP STK CL A 02079K305 508,593 1,478 SH SOLE 0 0 1,478
AMERICAN CENTY ETF TR US SML CP VALU 025072877 4,392,009 37,293 SH SOLE 0 0 37,293
SPDR INDEX SHS FDS ST MARKE CAP ETF 78463X756 220,793 3,105 SH SOLE 0 0 3,105
INVESCO QQQ TR UNIT SER 1 46090E103 895,187 1,210 SH SOLE 0 0 1,210
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 448,136 10,817 SH SOLE 0 0 10,817
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 337,077 2,172 SH SOLE 0 0 2,172
ISHARES TR RUSEL 2500 ETF 46435G268 279,310 3,266 SH SOLE 0 0 3,266
ISHARES TR ISHARES SEMICDTR 464287523 811,885 1,428 SH SOLE 0 0 1,428
VANGUARD STAR FDS VG TL INTL STK F 921909768 316,948 3,731 SH SOLE 0 0 3,731
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,613,812 11,203 SH SOLE 0 0 11,203
SUPER MICRO COMPUTER INC COM NEW 86800U302 205,350 5,000 SH SOLE 0 0 5,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 794,775 1,134 SH SOLE 0 0 1,134
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 851,038 13,176 SH SOLE 0 0 13,176
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,085,527 13,862 SH SOLE 0 0 13,862
BANK OF AMER CORP COM 060505104 251,685 4,624 SH SOLE 0 0 4,624
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 4,608,842 62,450 SH SOLE 0 0 62,450
ELI LILLY & CO COM 532457108 337,867 292 SH SOLE 0 0 292
SPDR SERIES TRUST ST STR P500GRW 78464A409 231,504 1,881 SH SOLE 0 0 1,881
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 834,704 10,336 SH SOLE 0 0 10,336
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 262,530 1,341 SH SOLE 0 0 1,341
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,847,984 51,007 SH SOLE 0 0 51,007
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 341,691 4,357 SH SOLE 0 0 4,357
ISHARES TR CORE 1 5 YR USD 46432F859 11,562,076 244,700 SH SOLE 0 0 244,700
AMERICAN CENTY ETF TR US EQT ETF 025072885 234,334 1,829 SH SOLE 0 0 1,829
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 271,725 6,889 SH SOLE 0 0 6,889
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 346,777 6,972 SH SOLE 0 0 6,972
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 266,357 8,188 SH SOLE 0 0 8,188
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,154,006 15,240 SH SOLE 0 0 15,240
JPMORGAN CHASE & CO COM 46625H100 345,298 1,044 SH SOLE 0 0 1,044
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 2,539,864 7,518 SH SOLE 0 0 7,518
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,926,182 48,494 SH SOLE 0 0 48,494
ISHARES TR CORE DIV GRWTH 46434V621 539,420 7,155 SH SOLE 0 0 7,155
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,693,899 39,120 SH SOLE 0 0 39,120
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 724,932 2,060 SH SOLE 0 0 2,060
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 674,637 15,066 SH SOLE 0 0 15,066
MICROSOFT CORP COM 594918104 298,859 583 SH SOLE 0 0 583
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 621,013 6,577 SH SOLE 0 0 6,577
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 5,957,412 110,836 SH SOLE 0 0 110,836
DFA INVT DIMENSIONS GROUP IN REAL ESTATE SECU 25239Y147 1,128,235 46,698 SH SOLE 0 0 46,698
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,611,889 131,485 SH SOLE 0 0 131,485
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 203,926 1,406 SH SOLE 0 0 1,406
IONQ INC COM 46222L108 263,160 6,000 SH SOLE 0 0 6,000
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 206,903 4,655 SH SOLE 0 0 4,655
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 434,945 8,635 SH SOLE 0 0 8,635
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,015,939 3,571 SH SOLE 0 0 3,571
ISHARES TR CORE MSCI TOTAL 46432F834 811,210 8,540 SH SOLE 0 0 8,540
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 10,711,853 484,699 SH SOLE 0 0 484,699
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 299,954 5,057 SH SOLE 0 0 5,057
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 585,778 3,711 SH SOLE 0 0 3,711
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,104,458 25,513 SH SOLE 0 0 25,513
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 325,810 3,924 SH SOLE 0 0 3,924
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,215,397 5,625 SH SOLE 0 0 5,625
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 4,449,738 49,201 SH SOLE 0 0 49,201
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 978,619 12,668 SH SOLE 0 0 12,668
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 2,557,135 28,378 SH SOLE 0 0 28,378
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 274,344 6,552 SH SOLE 0 0 6,552
ISHARES TR RUS MID CAP ETF 464287499 672,947 6,306 SH SOLE 0 0 6,306
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 674,238 884 SH SOLE 0 0 884
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,447,454 43,454 SH SOLE 0 0 43,454
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,469,992 20,955 SH SOLE 0 0 20,955
TJX COS INC NEW COM 872540109 271,085 2,049 SH SOLE 0 0 2,049
APPLE INC COM 037833100 474,366 1,424 SH SOLE 0 0 1,424
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 742,684 9,721 SH SOLE 0 0 9,721
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 295,393 7,894 SH SOLE 0 0 7,894
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,315,597 64,447 SH SOLE 0 0 64,447
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 805,068 16,156 SH SOLE 0 0 16,156
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 999,011 4,324 SH SOLE 0 0 4,324
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 255,636 10,714 SH SOLE 0 0 10,714
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 268,785 5,353 SH SOLE 0 0 5,353
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,376,466 43,739 SH SOLE 0 0 43,739
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,245,511 408,184 SH SOLE 0 0 408,184