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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   227,104 2,269 SH   SOLE   2,269 0 0
AFLAC INC COM 001055102   255,468 3,660 SH   SOLE   3,660 0 0
ALPHABET INC CAP STK CL A 02079K305   354,432 2,961 SH   SOLE   2,961 0 0
ALTRIA GROUP INC COM 02209S103   281,993 6,225 SH   SOLE   6,225 0 0
AMAZON COM INC COM 023135106   245,338 1,882 SH   SOLE   1,882 0 0
APPLE INC COM 037833100   363,431 1,874 SH   SOLE   1,873 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   733,491 2,151 SH   SOLE   2,151 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,035,620 2 SH   SOLE   2 0 0
CISCO SYS INC COM 17275R102   320,115 6,187 SH   SOLE   6,187 0 0
COCA COLA CO COM 191216100   349,156 5,798 SH   SOLE   5,798 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   30,823,273 871,452 SH   SOLE   871,452 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,261,459 49,084 SH   SOLE   49,084 0 0
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   836,400 27,477 SH   SOLE   27,477 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,547,482 119,584 SH   SOLE   119,583 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   6,175,559 256,780 SH   SOLE   256,779 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,713,316 31,265 SH   SOLE   31,264 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,918,477 84,070 SH   SOLE   84,070 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   22,817,452 694,595 SH   SOLE   694,595 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   3,609,203 152,609 SH   SOLE   152,609 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   4,092,169 161,109 SH   SOLE   161,109 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   36,913,968 1,069,970 SH   SOLE   1,069,970 0 0
EXXON MOBIL CORP COM 30231G102   481,660 4,491 SH   SOLE   4,491 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   3,572,713 142,396 SH   SOLE   142,395 0 0
HENRY JACK & ASSOC INC COM 426281101   262,708 1,570 SH   SOLE   1,570 0 0
HOME DEPOT INC COM 437076102   287,031 924 SH   SOLE   924 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   422,304 3,156 SH   SOLE   3,156 0 0
ISHARES INC CORE MSCI EMKT 46434G103   7,155,950 145,170 SH   SOLE   145,169 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   25,220,771 261,085 SH   SOLE   261,084 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,138,201 11,418 SH   SOLE   11,417 0 0
ISHARES TR EAFE SML CP ETF 464288273   7,092,213 120,248 SH   SOLE   120,247 0 0
ISHARES TR HDG MSCI EAFE 46434V803   22,586,615 728,600 SH   SOLE   728,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,044,773 51,688 SH   SOLE   51,687 0 0
ISHARES TR SP SMCP600VL ETF 464287879   697,299 7,333 SH   SOLE   7,333 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,566,237 35,396 SH   SOLE   35,396 0 0
ISHARES TR U.S. REAL ES ETF 464287739   445,785 5,151 SH   SOLE   5,151 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   400,035 3,471 SH   SOLE   3,470 0 0
ISHARES TR MICRO-CAP ETF 464288869   6,728,382 61,559 SH   SOLE   61,558 0 0
ISHARES TR CORE S&P500 ETF 464287200   29,120,628 65,335 SH   SOLE   65,335 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   327,027 4,640 SH   SOLE   4,640 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   652,964 2,373 SH   SOLE   2,372 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   352,114 2,231 SH   SOLE   2,230 0 0
ISHARES TR RUS 1000 ETF 464287622   26,530,652 108,848 SH   SOLE   108,848 0 0
ISHARES TR CORE MSCI EAFE 46432F842   347,500 5,148 SH   SOLE   5,148 0 0
ISHARES TR INTL DEVPPTY ETF 464288422   232,918 8,917 SH   SOLE   8,917 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   52,032,628 385,798 SH   SOLE   385,798 0 0
JOHNSON & JOHNSON COM 478160104   315,150 1,904 SH   SOLE   1,904 0 0
JPMORGAN CHASE & CO COM 46625H100   603,681 4,151 SH   SOLE   4,150 0 0
MICROSOFT CORP COM 594918104   619,095 1,818 SH   SOLE   1,817 0 0
MONDELEZ INTL INC CL A 609207105   265,502 3,640 SH   SOLE   3,640 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   284,188 969 SH   SOLE   969 0 0
NVIDIA CORPORATION COM 67066G104   317,265 750 SH   SOLE   750 0 0
PFIZER INC COM 717081103   203,867 5,558 SH   SOLE   5,558 0 0
PHILIP MORRIS INTL INC COM 718172109   283,098 2,900 SH   SOLE   2,900 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   279,009 8,262 SH   SOLE   8,262 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   935,353 17,860 SH   SOLE   17,860 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   343,270 9,629 SH   SOLE   9,628 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,796,544 143,192 SH   SOLE   143,192 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   213,702 3,185 SH   SOLE   3,185 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   304,038 12,344 SH   SOLE   12,344 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   2,810,563 113,466 SH   SOLE   113,466 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   346,674 782 SH   SOLE   782 0 0
STRYKER CORPORATION COM 863667101   279,462 916 SH   SOLE   916 0 0
TEXAS INSTRS INC COM 882508104   205,763 1,143 SH   SOLE   1,143 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   298,368 1,472 SH   SOLE   1,471 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,975,187 167,247 SH   SOLE   167,247 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,529,432 7,690 SH   SOLE   7,689 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   264,780 1,202 SH   SOLE   1,202 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   387,075 2,724 SH   SOLE   2,723 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,663,621 26,183 SH   SOLE   26,182 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   621,216 2,822 SH   SOLE   2,821 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,788,607 43,968 SH   SOLE   43,967 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   956,709 8,660 SH   SOLE   8,659 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   281,157 4,793 SH   SOLE   4,793 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,492,665 118,940 SH   SOLE   118,940 0 0
VISA INC COM CL A 92826C839   284,976 1,200 SH   SOLE   1,200 0 0
WALMART INC COM 931142103   279,309 1,777 SH   SOLE   1,777 0 0
WISDOMTREE TR JP SMALLCP DIV 97717W836   4,759,395 71,452 SH   SOLE   71,451 0 0