#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SCHWAB U.S. BROAD MARKET ETF	808524102	3,847,441	$100.9M	28.29%
2	AVANTIS EMERGING MARKETS EQUITY ETF	025072604	454,605	$35.0M	9.82%
3	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	491,908	$30.7M	8.61%
4	AVANTIS U.S. SMALL CAP VALUE ETF	025072877	225,449	$23.0M	6.44%
5	AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	025072802	235,539	$22.1M	6.20%
6	ISHARES NATIONAL MUNI BOND ETF	464288414	171,231	$18.3M	5.14%
7	SCHWAB INTERMEDIATE-TERM US TREASURY ETF	808524854	675,334	$16.9M	4.75%
8	SPDR S&P 500 ETF TRUST	SPY	21,885	$14.9M	4.18%
9	VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	92206C870	155,174	$13.0M	3.64%
10	ISHARES GLOBAL REIT ETF	46434V647	471,540	$11.8M	3.30%
11	VANGUARD TOTAL INTERNATIONAL BOND ETF	92203J407	226,399	$10.9M	3.07%
12	PIMCO INTERMED MUNI BOND	72201R866	170,176	$8.9M	2.50%
13	ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	464288158	53,804	$5.7M	1.61%
14	VANGUARD SHORT-TERM CORPORATE BOND ETF	92206C409	67,779	$5.4M	1.51%
15	ISHARES MSCI EAFE ETF	464287465	33,827	$3.2M	0.91%
16	SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	808524888	69,846	$3.2M	0.89%
17	ISHARES CORE HIGH DIVIDEND ETF	46429B663	22,722	$2.8M	0.77%
18	ISHARES CORE MSCI EAFE ETF	46432F842	27,443	$2.5M	0.69%
19	APPLE INC COM	AAPL	8,804	$2.4M	0.67%
20	MICROSOFT CORP COM	MSFT	4,433	$2.1M	0.60%