Portfolio Solutions 13F-HR Quarterly holdings report by institutional manager

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

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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
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND	ETF	46435G672	9,665	194,047	SH		SOLE	0	194,047	0	0
VANGUARD TOTAL STOCK MARKET INDEX ETF	ETF	922908769	302,422	1,603,340	SH		SOLE	0	1,603,340	0	0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF	ETF	46138E719	1,471	87,296	SH		SOLE	0	87,295	0	0
VANGUARD REAL ESTATE INDEX ETF	ETF	922908553	35,486	389,489	SH		SOLE	0	389,488	0	0
ISHARES DOW JONES U.S. ETF	ETF	464287846	369	4,000	SH		SOLE	0	4,000	0	0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	ETF	464288158	1,400	13,373	SH		SOLE	0	13,373	0	0
SPDR TR UNIT SER 1	ETF	78462F103	812	2,153	SH		SOLE	0	2,153	0	0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND	ETF	464288182	633	9,142	SH		SOLE	0	9,142	0	0
ISHARES S&P 100 ETF	ETF	464287101	778	4,512	SH		SOLE	0	4,512	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND	ETF	922042718	261	2,531	SH		SOLE	0	2,531	0	0
ISHARES CORE MSCI PACIFIC ETF	ETF	46434V696	4,843	93,148	SH		SOLE	0	93,148	0	0
ISHARES CALIFORNIA MUNI BOND ETF	ETF	464288356	1,286	22,776	SH		SOLE	0	22,776	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	4,578	117,422	SH		SOLE	0	117,422	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	6,447	145,900	SH		SOLE	0	145,899	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	1,280	40,699	SH		SOLE	0	40,698	0	0
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	236	4,075	SH		SOLE	0	4,074	0	0
SPDR BARCLAYS ETF 1-3 YEAR US CORP INVESTM	ETF	78464A474	397	13,362	SH		SOLE	0	13,362	0	0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF	ETF	46435U853	5,233	151,145	SH		SOLE	0	151,144	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	411	1,507	SH		SOLE	0	1,507	0	0
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	5,602	220,724	SH		SOLE	0	220,723	0	0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF	ETF	808524888	6,635	212,455	SH		SOLE	0	212,454	0	0
JPMORGAN BETABUILDERS EUROPE ETF	ETF	46641Q191	518	11,246	SH		SOLE	0	11,246	0	0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	708	14,830	SH		SOLE	0	14,830	0	0
VANGUARD FTSE EUROPE INDEX ETF	ETF	922042874	53,691	1,016,497	SH		SOLE	0	1,016,497	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	514	8,233	SH		SOLE	0	8,232	0	0
SCHWAB U.S. TIPS ETF	ETF	808524870	9,482	169,933	SH		SOLE	0	169,932	0	0
ISHARES 0-5 YEAR TIPS BOND ETF	ETF	46429B747	257	2,536	SH		SOLE	0	2,536	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	275	13,032	SH		SOLE	0	13,032	0	0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	2,655	50,326	SH		SOLE	0	50,326	0	0
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	595	11,534	SH		SOLE	0	11,534	0	0
VANGUARD FTSE PACIFIC INDEX ETF	ETF	922042866	55,902	880,627	SH		SOLE	0	880,626	0	0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	ETF	25434V302	3,806	164,350	SH		SOLE	0	164,350	0	0
SCHWAB US AGGREGATE BOND ETF	ETF	808524839	5,030	105,079	SH		SOLE	0	105,078	0	0
VANGUARD ULTRA-SHORT BOND ETF	ETF	92203C303	298	6,066	SH		SOLE	0	6,066	0	0
DIMENSIONAL U.S. EQUITY ETF	ETF	25434V401	254	6,244	SH		SOLE	0	6,244	0	0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	ETF	464287150	5,178	61,802	SH		SOLE	0	61,802	0	0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	4,432	77,710	SH		SOLE	0	77,710	0	0
VANGUARD TOTAL BOND INDEX ETF	ETF	921937835	13,592	180,597	SH		SOLE	0	180,597	0	0
VANGUARD TOTAL INTERNATIONAL BOND ETF	ETF	92203J407	11,125	224,558	SH		SOLE	0	224,558	0	0
VANGUARD INTERMEDIATE-TERM B	ETF	921937819	4,546	58,551	SH		SOLE	0	58,551	0	0
CHEVRON CORP NEW COM	Stock	166764100	266	1,839	SH		SOLE	0	1,839	0	0
ISHARES S&P NAT AMT-FREE MUN	ETF	464288414	13,490	126,829	SH		SOLE	0	126,829	0	0
M & T BK CORP COM	Stock	55261F104	264	1,655	SH		SOLE	0	1,655	0	0
RAYTHEON TECH CORP	Stock	75513E101	692	7,205	SH		SOLE	0	7,205	0	0
VANGUARD EMERGING MARKET	ETF	922042858	212	5,088	SH		SOLE	0	5,088	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	7,801	76,725	SH		SOLE	0	76,725	0	0
BLACKROCK ULTRA SHORT-TERM BOND ETF	ETF	46434V878	966	19,313	SH		SOLE	0	19,313	0	0
ISHARES CORE MSCI EUROPE ETF	ETF	46434V738	8,215	182,727	SH		SOLE	0	182,726	0	0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF	ETF	464287879	100,917	1,133,513	SH		SOLE	0	1,133,512	0	0
VANGUARD SHORT-TERM BOND INDEX FUND	ETF	921937827	3,609	46,999	SH		SOLE	0	46,999	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	281	1,293	SH		SOLE	0	1,293	0	0
VANGUARD TAX-EXEMPT BOND ETF	ETF	922907746	82,950	1,661,653	SH		SOLE	0	1,661,653	0	0
ISHARES TR MSCI EAFE FD MSCI EAFE INDEX FU	ETF	464287465	228	3,650	SH		SOLE	0	3,650	0	0
APPLE INC	Stock	037833100	242	1,769	SH		SOLE	0	1,768	0	0