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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMMDY 003261203   943,170 30,833 SH   SOLE   30,833 0 0
ADOBE INC COM 00724F101   300,090 503 SH   SOLE   503 0 0
ALPHABET INC CAP STK CL A 02079K305   389,037 2,785 SH   SOLE   2,785 0 0
AMAZON COM INC COM 023135106   526,472 3,465 SH   SOLE   3,465 0 0
APPLE INC COM 037833100   653,066 3,392 SH   SOLE   3,392 0 0
BANCO SANTANDER S.A. ADR 05964H105   63,474 15,332 SH   SOLE   15,332 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,958,047 58,889 SH   SOLE   58,889 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   550,103 19,208 SH   SOLE   19,208 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   541,828 22,473 SH   SOLE   22,473 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,783,794 129,449 SH   SOLE   129,449 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   274,860 11,012 SH   SOLE   11,012 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   645,296 25,276 SH   SOLE   25,276 0 0
META PLATFORMS INC CL A 30303M102   668,984 1,890 SH   SOLE   1,890 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   678,132 16,560 SH   SOLE   16,560 0 0
INTEL CORP COM 458140100   586,166 11,665 SH   SOLE   11,665 0 0
ISHARES TR NATIONAL MUN ETF 464288414   318,292 2,936 SH   SOLE   2,936 0 0
ISHARES INC CORE MSCI EMKT 46434G103   624,208 12,341 SH   SOLE   12,341 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,501,357 23,584 SH   SOLE   23,584 0 0
MICROSOFT CORP COM 594918104   665,967 1,771 SH   SOLE   1,771 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   210,058 24,397 SH   SOLE   24,397 0 0
NVIDIA CORPORATION COM 67066G104   223,344 451 SH   SOLE   451 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   330,064 13,046 SH   SOLE   13,046 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   297,871 12,740 SH   SOLE   12,740 0 0
SALESFORCE INC COM 79466L302   485,756 1,846 SH   SOLE   1,846 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,254,928 39,981 SH   SOLE   39,981 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,225,336 47,734 SH   SOLE   47,734 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   306,640 6,329 SH   SOLE   6,329 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   808,324 5,927 SH   SOLE   5,927 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   377,647 2,112 SH   SOLE   2,112 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   252,861 3,016 SH   SOLE   3,016 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   764,784 20,340 SH   SOLE   20,340 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   389,846 3,420 SH   SOLE   3,420 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   585,717 3,043 SH   SOLE   3,043 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   244,356 3,363 SH   SOLE   3,363 0 0
STRYKER CORPORATION COM 863667101   581,233 1,941 SH   SOLE   1,941 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   129,151 13,342 SH   SOLE   13,342 0 0
TELEFONICA S A SPONSORED ADR 879382208   88,573 22,711 SH   SOLE   22,711 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   333,395 4,114 SH   SOLE   4,114 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   776,770 15,735 SH   SOLE   15,735 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   309,646 4,474 SH   SOLE   4,474 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,302,490 25,514 SH   SOLE   25,514 0 0
VISA INC COM CL A 92826C839   203,594 782 SH   SOLE   782 0 0
FERRARI N V COM N3167Y103   200,689 593 SH   SOLE   593 0 0