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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR S&P 500 ETF TRUST ETF 78462F103   13,191,890 30,860 SH   SOLE   30,859 0 0
APPLE INC COM Stock 037833100   5,775,141 33,731 SH   SOLE   33,731 0 0
NVIDIA CORPORATION COM Stock 67066G104   4,721,381 10,854 SH   SOLE   10,854 0 0
VANGUARD S&P 500 ETF ETF 922908363   4,349,813 11,077 SH   SOLE   11,076 0 0
MICROSOFT CORP COM Stock 594918104   4,147,376 13,135 SH   SOLE   13,135 0 0
AMAZON COM INC COM Stock 023135106   3,412,536 26,845 SH   SOLE   26,845 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   3,084,841 136,679 SH   SOLE   136,678 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   2,758,513 47,891 SH   SOLE   47,890 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   2,573,050 33,865 SH   SOLE   33,864 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   1,668,825 12,657 SH   SOLE   12,657 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   1,453,200 11,105 SH   SOLE   11,105 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,294,172 18,546 SH   SOLE   18,546 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   1,243,861 8,193 SH   SOLE   8,193 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   1,215,324 8,380 SH   SOLE   8,380 0 0
META PLATFORMS INC CL A Stock 30303M102   1,181,326 3,935 SH   SOLE   3,935 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,153,630 27,960 SH   SOLE   27,960 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   1,003,416 6,121 SH   SOLE   6,121 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846   972,291 9,306 SH   SOLE   9,306 0 0
SNAP INC CL A Stock 83304A106   933,572 104,778 SH   SOLE   104,778 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   874,043 3,286 SH   SOLE   3,286 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   833,786 2,106 SH   SOLE   2,106 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   825,958 18,892 SH   SOLE   18,891 0 0
NETFLIX INC COM Stock 64110L106   822,790 2,179 SH   SOLE   2,179 0 0
VISA INC COM CL A Stock 92826C839   821,366 3,571 SH   SOLE   3,571 0 0
TESLA INC COM Stock 88160R101   771,678 3,084 SH   SOLE   3,084 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   749,731 1,487 SH   SOLE   1,487 0 0
SPOTIFY TECHNOLOGY S A SHS Stock L8681T102   709,488 4,588 SH   SOLE   4,588 0 0
FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND ETF 33939L407   700,097 17,312 SH   SOLE   17,312 0 0
COMCAST CORP NEW CL A Stock 20030N101   685,718 15,465 SH   SOLE   15,465 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   681,684 1,946 SH   SOLE   1,946 0 0
WALMART INC COM Stock 931142103   632,203 3,953 SH   SOLE   3,953 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   628,320 1,112 SH   SOLE   1,112 0 0
NOVO-NORDISK A S ADR ADR 670100205   606,388 6,668 SH   SOLE   6,668 0 0
DIMENSIONAL EMERGING MARKETS SUSTAINABILITY CORE 1 ETF ETF 25434V682   599,615 20,402 SH   SOLE   20,402 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   583,242 3,300 SH   SOLE   3,300 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   575,663 14,682 SH   SOLE   14,681 0 0
ELI LILLY & CO COM Stock 532457108   538,918 1,003 SH   SOLE   1,003 0 0
MCDONALDS CORP COM Stock 580135101   533,729 2,026 SH   SOLE   2,026 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   531,477 1 SH   SOLE   1 0 0
JOHNSON & JOHNSON COM Stock 478160104   528,771 3,395 SH   SOLE   3,395 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   509,781 3,495 SH   SOLE   3,495 0 0
ORACLE CORP COM Stock 68389X105   501,425 4,734 SH   SOLE   4,734 0 0
DFA U.S. Small Cap ETF ETF 25434V500   495,541 9,441 SH   SOLE   9,440 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   486,981 1,953 SH   SOLE   1,953 0 0
iShares S&P 500 Value ETF ETF 464287408   486,288 3,161 SH   SOLE   3,161 0 0
iShares S&P 500 Growth ETF ETF 464287309   482,019 7,045 SH   SOLE   7,045 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   481,856 1,569 SH   SOLE   1,569 0 0
ADOBE INC COM Stock 00724F101   459,420 901 SH   SOLE   901 0 0
MERCK & CO INC COM Stock 58933Y105   454,640 4,416 SH   SOLE   4,416 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   447,037 1,041 SH   SOLE   1,041 0 0
INTEL CORP COM Stock 458140100   446,124 12,549 SH   SOLE   12,549 0 0
INTUIT COM Stock 461202103   444,518 870 SH   SOLE   870 0 0
BROADCOM INC COM Stock 11135F101   436,885 526 SH   SOLE   526 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103   433,507 1,210 SH   SOLE   1,210 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   426,502 8,962 SH   SOLE   8,962 0 0
CHEVRON CORP NEW COM Stock 166764100   424,697 2,519 SH   SOLE   2,518 0 0
APPLIED MATLS INC COM Stock 038222105   383,645 2,771 SH   SOLE   2,771 0 0
HOME DEPOT INC COM Stock 437076102   381,024 1,261 SH   SOLE   1,261 0 0
EXXON MOBIL CORP COM Stock 30231G102   380,254 3,234 SH   SOLE   3,234 0 0
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210   377,920 642 SH   SOLE   642 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   372,780 9,000 SH   SOLE   9,000 0 0
ISHARES MSCI EAFE ETF ETF 464287465   371,463 5,390 SH   SOLE   5,389 0 0
PEPSICO INC COM Stock 713448108   363,618 2,146 SH   SOLE   2,146 0 0
TEXAS INSTRS INC COM Stock 882508104   360,794 2,269 SH   SOLE   2,269 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109   345,713 3,394 SH   SOLE   3,394 0 0
CONOCOPHILLIPS COM Stock 20825C104   344,665 2,877 SH   SOLE   2,877 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   339,235 8,939 SH   SOLE   8,939 0 0
DANAHER CORPORATION COM Stock 235851102   329,229 1,327 SH   SOLE   1,327 0 0
PFIZER INC COM Stock 717081103   329,003 9,919 SH   SOLE   9,918 0 0
NIKE INC CL B Stock 654106103   322,909 3,377 SH   SOLE   3,377 0 0
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   320,326 13,742 SH   SOLE   13,742 0 0
CISCO SYS INC COM Stock 17275R102   313,905 5,839 SH   SOLE   5,839 0 0
SHELL PLC SPON ADS ADR 780259305   311,149 4,833 SH   SOLE   4,833 0 0
ABBVIE INC COM Stock 00287Y109   309,449 2,076 SH   SOLE   2,076 0 0
LAUDER ESTEE COS INC CL A Stock 518439104   303,700 2,101 SH   SOLE   2,101 0 0
BANK AMERICA CORP COM Stock 060505104   289,684 10,580 SH   SOLE   10,580 0 0
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   287,042 4,365 SH   SOLE   4,365 0 0
ABRDN PHYSICAL PRECIOUS METALS BASKET SHARES ETF ETF 003263100   277,711 3,300 SH   SOLE   3,300 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST ETF 78467X109   276,955 827 SH   SOLE   826 0 0
CITIGROUP INC COM NEW Stock 172967424   273,844 6,658 SH   SOLE   6,658 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   271,499 8,377 SH   SOLE   8,377 0 0
AMERICAN EXPRESS CO COM Stock 025816109   268,675 1,801 SH   SOLE   1,800 0 0
SAP SE SPON ADR ADR 803054204   265,753 2,055 SH   SOLE   2,055 0 0
SALESFORCE INC COM Stock 79466L302   263,411 1,299 SH   SOLE   1,299 0 0
THE CIGNA GROUP COM Stock 125523100   257,177 899 SH   SOLE   899 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   256,509 1,828 SH   SOLE   1,828 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   254,171 2,472 SH   SOLE   2,472 0 0
WELLS FARGO CO NEW COM Stock 949746101   253,455 6,203 SH   SOLE   6,203 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF ETF 808524755   253,360 8,000 SH   SOLE   8,000 0 0
ARES CAPITAL CORP COM CEF 04010L103   253,110 13,000 SH   SOLE   13,000 0 0
ASTRAZENECA PLC SPONSORED ADR ADR 046353108   248,194 3,665 SH   SOLE   3,665 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822   245,923 4,079 SH   SOLE   4,079 0 0
LINDE PLC SHS Stock G54950103   238,304 640 SH   SOLE   640 0 0
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF ETF 316092808   236,645 1,925 SH   SOLE   1,925 0 0
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225   235,566 4,051 SH   SOLE   4,051 0 0
ABBOTT LABS COM Stock 002824100   233,893 2,415 SH   SOLE   2,415 0 0
SHOPIFY INC CL A Stock 82509L107   225,483 4,132 SH   SOLE   4,132 0 0
ENTERPRISE PRODS PARTNERS L P COM Stock 293792107   223,969 8,183 SH   SOLE   8,183 0 0
GSK PLC SPONSORED ADR ADR 37733W204   223,916 6,177 SH   SOLE   6,177 0 0
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUND ETF 33939L795   221,772 4,579 SH   SOLE   4,579 0 0
GILEAD SCIENCES INC COM Stock 375558103   220,399 2,941 SH   SOLE   2,941 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q191   218,162 4,292 SH   SOLE   4,292 0 0
TOYOTA MOTOR CORP ADS ADR 892331307   217,677 1,211 SH   SOLE   1,211 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   216,489 3,730 SH   SOLE   3,730 0 0
MICRON TECHNOLOGY INC COM Stock 595112103   213,818 3,143 SH   SOLE   3,143 0 0
BHP GROUP LTD SPONSORED ADS ADR 088606108   212,617 3,738 SH   SOLE   3,738 0 0
WILLIAMS SONOMA INC COM Stock 969904101   212,432 1,367 SH   SOLE   1,367 0 0
AMGEN INC COM Stock 031162100   210,439 783 SH   SOLE   783 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   210,383 605 SH   SOLE   605 0 0
BRITISH AMERN TOB PLC SPONSORED ADR ADR 110448107   206,427 6,572 SH   SOLE   6,572 0 0
SANOFI SPONSORED ADR ADR 80105N105   206,246 3,845 SH   SOLE   3,845 0 0
SERVICENOW INC COM Stock 81762P102   205,138 367 SH   SOLE   367 0 0
UNILEVER PLC SPON ADR NEW ADR 904767704   204,121 4,132 SH   SOLE   4,132 0 0
QUALCOMM INC COM Stock 747525103   203,462 1,832 SH   SOLE   1,832 0 0
DISNEY WALT CO COM Stock 254687106   202,533 2,499 SH   SOLE   2,498 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   201,261 622 SH   SOLE   622 0 0
AT&T INC COM Stock 00206R102   160,354 10,676 SH   SOLE   10,676 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR ADR 92857W308   151,547 15,986 SH   SOLE   15,986 0 0
BANCO BILBAO VIZCAYA ARGENTARI SPONSORED ADR ADR 05946K101   148,547 18,453 SH   SOLE   18,453 0 0
BANCO SANTANDER S.A. ADR ADR 05964H105   121,459 32,303 SH   SOLE   32,303 0 0
HALEON PLC SPON ADS ADR 405552100   118,802 14,262 SH   SOLE   14,262 0 0
MITSUBISHI UFJ FINL GROUP INC SPONSORED ADS ADR 606822104   113,893 13,415 SH   SOLE   13,415 0 0
SUMITOMO MITSUI FINL GROUP INC SPONSORED ADR ADR 86562M209   99,239 10,075 SH   SOLE   10,075 0 0
NU HLDGS LTD ORD SHS CL A Stock G6683N103   81,787 11,281 SH   SOLE   11,281 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR ADR 60687Y109   70,685 20,608 SH   SOLE   20,608 0 0
B2GOLD CORP COM Stock 11777Q209   47,853 16,558 SH   SOLE   16,558 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR ADR 539439109   31,537 14,806 SH   SOLE   14,806 0 0
AMBEV SA SPONSORED ADR ADR 02319V103   28,924 11,211 SH   SOLE   11,211 0 0