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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 354 19,073 SH   SOLE 0 0 0 19,073
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,450 55,123 SH   SOLE 0 0 0 55,123
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 42,596 1,544,464 SH   SOLE 0 0 0 1,544,464
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 26,581 1,065,380 SH   SOLE 0 0 0 1,065,380
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 10,974 123,253 SH   SOLE 0 0 0 123,253
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 3,320 97,984 SH   SOLE 0 0 0 97,984
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 6,639 202,849 SH   SOLE 0 0 0 202,849
ISHARES INC ESG AWR MSCI EM 46434G863 1,030 28,029 SH   SOLE 0 0 0 28,029
ISHARES TR ESG AW MSCI EAFE 46435G516 2,861 38,805 SH   SOLE 0 0 0 38,805
ISHARES TR CORE INTL AGGR 46435G672 16,040 307,701 SH   SOLE 0 0 0 307,701
ISHARES TR ESG ADV TTL USD 46436E619 2,521 54,249 SH   SOLE 0 0 0 54,249
ISHARES TR ESG MSCI LEADR 46435U218 5,616 70,915 SH   SOLE 0 0 0 70,915
ISHARES TR MSCI USA MULTIFT 46434V282 16,444 369,686 SH   SOLE 0 0 0 369,686
ISHARES TR MSCI USA SML CP 46434V290 3,545 64,966 SH   SOLE 0 0 0 64,966
ISHARES TR CORE MSCI TOTAL 46432F834 10,344 155,369 SH   SOLE 0 0 0 155,369
ISHARES TR CORE TOTAL USD 46434V613 53,822 1,084,471 SH   SOLE 0 0 0 1,084,471
ISHARES TR MSCI INTL MULTFT 46434V274 10,247 370,342 SH   SOLE 0 0 0 370,342
ISHARES TR MODERT ALLOC ETF 464289875 209 4,860 SH   SOLE 0 0 0 4,860
ISHARES TR GRWT ALLOCAT ETF 464289867 2,154 39,921 SH   SOLE 0 0 0 39,921
ISHARES TR AGGRES ALLOC ETF 464289859 2,814 40,814 SH   SOLE 0 0 0 40,814
ISHARES TR CORE S&P SCP ETF 464287804 201 1,866 SH   SOLE 0 0 0 1,866
ISHARES TR CORE S&P TTL STK 464287150 3,747 37,124 SH   SOLE 0 0 0 37,124
ISHARES TR NATIONAL MUN ETF 464288414 31,937 291,290 SH   SOLE 0 0 0 291,290
J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 216 4,522 SH   SOLE 0 0 0 4,522
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 1,296 32,523 SH   SOLE 0 0 0 32,523
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 14,970 387,432 SH   SOLE 0 0 0 387,432
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 44,713 1,304,353 SH   SOLE 0 0 0 1,304,353
SPDR SER TR PORTFOLIO SHORT 78464A474 217 7,190 SH   SOLE 0 0 0 7,190
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 331 3,622 SH   SOLE 0 0 0 3,622
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 19,138 364,954 SH   SOLE 0 0 0 364,954
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,451 30,982 SH   SOLE 0 0 0 30,982
VANGUARD INDEX FDS TOTAL STK MKT 922908769 45,011 197,705 SH   SOLE 0 0 0 197,705
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 17,071 103,049 SH   SOLE 0 0 0 103,049
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 81,684 196,749 SH   SOLE 0 0 0 196,749
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,046 39,946 SH   SOLE 0 0 0 39,946
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,855 40,208 SH   SOLE 0 0 0 40,208
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 28,546 553,748 SH   SOLE 0 0 0 553,748
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 346 4,306 SH   SOLE 0 0 0 4,306
VANGUARD STAR FDS VG TL INTL STK F 921909768 32,248 539,805 SH   SOLE 0 0 0 539,805
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,161 24,182 SH   SOLE 0 0 0 24,182