Sensible Money 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
ABBVIE INC	COM	00287Y109	207,895	1,543	SH		SOLE		0	0	1,543
ALPHABET INC	CAP STK CL A	02079K305	699,647	5,845	SH		SOLE		0	0	5,845
ALPHABET INC	CAP STK CL C	02079K107	471,783	3,900	SH		SOLE		0	0	3,900
AMAZON COM INC	COM	023135106	492,160	3,775	SH		SOLE		0	0	3,775
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	556,514	10,342	SH		SOLE		0	0	10,342
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	731,907	16,768	SH		SOLE		0	0	16,768
APPLE INC	COM	037833100	2,574,618	13,273	SH		SOLE		0	0	13,273
COSTCO WHSL CORP NEW	COM	22160K105	216,513	402	SH		SOLE		0	0	402
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	6,815,204	283,376	SH		SOLE		0	0	283,376
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	8,092,233	332,057	SH		SOLE		0	0	332,057
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	411,693	16,963	SH		SOLE		0	0	16,963
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	5,774,522	244,166	SH		SOLE		0	0	244,166
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	30,795,700	1,134,280	SH		SOLE		0	0	1,134,280
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	478,566	9,937	SH		SOLE		0	0	9,937
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	26,924,519	580,395	SH		SOLE		0	0	580,395
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	16,208,611	695,350	SH		SOLE		0	0	695,350
DISNEY WALT CO	COM	254687106	359,358	4,025	SH		SOLE		0	0	4,025
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	303,651	1,863	SH		SOLE		0	0	1,863
FIRST TR NASDAQ 100 TECH IND	SHS	337345102	810,116	5,505	SH		SOLE		0	0	5,505
FREEPORT-MCMORAN INC	CL B	35671D857	2,066,928	51,673	SH		SOLE		0	0	51,673
INVESCO EXCH TRADED FD TR II	FTSE RAFI SML	46138E735	557,357	18,096	SH		SOLE		0	0	18,096
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	221,232	4,275	SH		SOLE		0	0	4,275
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	757,049	12,053	SH		SOLE		0	0	12,053
INVESCO EXCH TRD SLF IDX FD	BULSHS 2023 CB	46138J866	1,039,807	49,117	SH		SOLE		0	0	49,117
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	820,579	39,892	SH		SOLE		0	0	39,892
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 CB	46138J825	329,066	16,347	SH		SOLE		0	0	16,347
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	388,487	20,506	SH		SOLE		0	0	20,506
INVESCO EXCH TRD SLF IDX FD	BULSHS 2027 CB	46138J783	343,601	18,060	SH		SOLE		0	0	18,060
INVESCO EXCH TRD SLF IDX FD	INVSCO 30 CORP	46138J460	177,779	10,974	SH		SOLE		0	0	10,974
INVESCO EXCH TRD SLF IDX FD	INVSCO BLSH 28	46138J643	338,134	17,125	SH		SOLE		0	0	17,125
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	715,869	8,003	SH		SOLE		0	0	8,003
INVESCO EXCHANGE TRADED FD T	DWA FINL MUMT	46137V860	251,344	5,973	SH		SOLE		0	0	5,973
INVESCO EXCHANGE TRADED FD T	S&P500 EQL HLT	46137V332	697,375	2,340	SH		SOLE		0	0	2,340
INVESCO QQQ TR	UNIT SER 1	46090E103	357,230	967	SH		SOLE		0	0	967
ISHARES INC	CORE MSCI EMKT	46434G103	1,145,575	23,242	SH		SOLE		0	0	23,242
ISHARES INC	MSCI GBL MIN VOL	464286525	360,058	3,672	SH		SOLE		0	0	3,672
ISHARES TR	CORE DIV GRWTH	46434V621	230,395	4,471	SH		SOLE		0	0	4,471
ISHARES TR	CORE MSCI EAFE	46432F842	344,285	5,101	SH		SOLE		0	0	5,101
ISHARES TR	CORE S&P SCP ETF	464287804	1,280,357	12,849	SH		SOLE		0	0	12,849
ISHARES TR	CORE S&P500 ETF	464287200	546,623	1,226	SH		SOLE		0	0	1,226
ISHARES TR	GRWT ALLOCAT ETF	464289867	210,945	4,100	SH		SOLE		0	0	4,100
ISHARES TR	MSCI EAFE ETF	464287465	261,508	3,607	SH		SOLE		0	0	3,607
ISHARES TR	MSCI EAFE MIN VL	46429B689	298,823	4,427	SH		SOLE		0	0	4,427
ISHARES TR	MSCI USA MIN VOL	46429B697	639,684	8,606	SH		SOLE		0	0	8,606
ISHARES TR	MSCI USA QLT FCT	46432F339	282,823	2,097	SH		SOLE		0	0	2,097
ISHARES TR	RUSSELL 3000 ETF	464287689	1,052,021	4,134	SH		SOLE		0	0	4,134
ISHARES TR	S&P MC 400VL ETF	464287705	356,743	3,330	SH		SOLE		0	0	3,330
ISHARES TR	S&P SML 600 GWT	464287887	259,238	2,256	SH		SOLE		0	0	2,256
ISHARES TR	U.S. TECH ETF	464287721	348,384	3,200	SH		SOLE		0	0	3,200
JPMORGAN CHASE & CO	COM	46625H100	323,023	2,221	SH		SOLE		0	0	2,221
MICROSOFT CORP	COM	594918104	832,606	2,445	SH		SOLE		0	0	2,445
PACIRA BIOSCIENCES INC	NOTE 0.750% 8/0	695127AF7	9,257	10,000	SH		SOLE		0	0	10,000
PARK NATL CORP	COM	700658107	221,920	2,169	SH		SOLE		0	0	2,169
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	232,752	6,892	SH		SOLE		0	0	6,892
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	2,479,236	92,612	SH		SOLE		0	0	92,612
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	796,853	24,009	SH		SOLE		0	0	24,009
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	238,472	4,613	SH		SOLE		0	0	4,613
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	240,002	3,305	SH		SOLE		0	0	3,305
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,860,459	65,307	SH		SOLE		0	0	65,307
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,065,974	2,405	SH		SOLE		0	0	2,405
SPDR SER TR	S&P 400 MDCP VAL	78464A839	395,279	5,747	SH		SOLE		0	0	5,747
SPDR SER TR	S&P 600 SMCP GRW	78464A201	321,965	4,184	SH		SOLE		0	0	4,184
SPDR SER TR	S&P 600 SMCP VAL	78464A300	1,771,114	22,945	SH		SOLE		0	0	22,945
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	206,577	2,589	SH		SOLE		0	0	2,589
VANGUARD INDEX FDS	GROWTH ETF	922908736	280,131	990	SH		SOLE		0	0	990
VANGUARD INDEX FDS	MID CAP ETF	922908629	221,261	1,005	SH		SOLE		0	0	1,005
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,304,930	3,204	SH		SOLE		0	0	3,204
VANGUARD INDEX FDS	SMALL CP ETF	922908751	211,023	1,061	SH		SOLE		0	0	1,061
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	365,057	1,589	SH		SOLE		0	0	1,589
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,030,305	4,677	SH		SOLE		0	0	4,677
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	259,076	1,595	SH		SOLE		0	0	1,595
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,112,309	24,086	SH		SOLE		0	0	24,086
VOLITIONRX LTD	COM	928661107	13,900	10,000	SH		SOLE		0	0	10,000
WISDOMTREE TR	US MIDCAP FUND	97717W570	819,141	15,473	SH		SOLE		0	0	15,473
WISDOMTREE TR	US QTLY DIV GRT	97717X669	222,445	3,337	SH		SOLE		0	0	3,337