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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   228,866 1,912 SH   SOLE   0 0 1,912
AMAZON COM INC COM 023135106   460,301 3,531 SH   SOLE   0 0 3,531
APPLE INC COM 037833100   1,068,209 5,507 SH   SOLE   0 0 5,507
BLACKROCK MUNICIPAL INCOME COM 09253X102   170,124 14,871 SH   SOLE   0 0 14,871
CHEVRON CORP NEW COM 166764100   211,164 1,342 SH   SOLE   0 0 1,342
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,548,064 66,412 SH   SOLE   0 0 66,412
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   21,011,433 895,628 SH   SOLE   0 0 895,628
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   26,902,141 984,705 SH   SOLE   0 0 984,705
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   93,762,216 3,025,564 SH   SOLE   0 0 3,025,564
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,552,953 57,199 SH   SOLE   0 0 57,199
ISHARES TR AGGRES ALLOC ETF 464289859   268,146 4,042 SH   SOLE   0 0 4,042
ISHARES TR CORE US AGGBD ET 464287226   8,843,024 90,281 SH   SOLE   0 0 90,281
ISHARES TR TRS FLT RT BD 46434V860   6,102,729 120,441 SH   SOLE   0 0 120,441
ISHARES TR RUSSELL 3000 ETF 464287689   4,806,109 18,886 SH   SOLE   0 0 18,886
ISHARES TR NATIONAL MUN ETF 464288414   7,812,636 73,200 SH   SOLE   0 0 73,200
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,132,160 11,600 SH   SOLE   0 0 11,600
ISHARES TR IBOXX INV CP ETF 464287242   388,655 3,594 SH   SOLE   0 0 3,594
ISHARES U S ETF TR INT RT HDG C B 46431W705   1,171,517 12,604 SH   SOLE   0 0 12,604
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   468,402 9,060 SH   SOLE   0 0 9,060
SPDR GOLD TR GOLD SHS 78463V107   267,405 1,500 SH   SOLE   0 0 1,500
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   726,405 17,687 SH   SOLE   0 0 17,687
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,947,772 213,515 SH   SOLE   0 0 213,515
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,335,964 126,119 SH   SOLE   0 0 126,119
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   212,636 444 SH   SOLE   0 0 444
SPDR SER TR PORTFOLI S&P1500 78464A805   20,839,512 382,798 SH   SOLE   0 0 382,798
SPDR SER TR NUVEEN BLMBRG MU 78468R721   6,375,250 138,112 SH   SOLE   0 0 138,112
SPDR SER TR PORTFLI TIPS ETF 78464A656   4,769,320 184,571 SH   SOLE   0 0 184,571
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,176,780 164,635 SH   SOLE   0 0 164,635
SPDR SER TR PORTFOLIO INTRMD 78464A375   5,050,293 157,281 SH   SOLE   0 0 157,281
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,604,031 97,854 SH   SOLE   0 0 97,854
TESLA INC COM 88160R101   815,937 3,117 SH   SOLE   0 0 3,117
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   2,332,985 50,640 SH   SOLE   0 0 50,640
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,079,024 40,744 SH   SOLE   0 0 40,744
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,509,512 30,032 SH   SOLE   0 0 30,032
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,718,853 7,803 SH   SOLE   0 0 7,803
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   407,280 1,000 SH   SOLE   0 0 1,000
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   966,749 23,765 SH   SOLE   0 0 23,765
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,437,075 52,773 SH   SOLE   0 0 52,773
WESTERN ASSET INTER MUNI FD COM 958435109   149,809 19,660 SH   SOLE   0 0 19,660