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
UBS GROUP AG SHS H42097107   289,998 9,382 SH   SOLE   0 0 9,382
ASML HOLDING N V N Y REGISTRY SHS N07059210   667,433 801 SH   SOLE   0 0 801
AT&T INC COM 00206R102   497,011 22,591 SH   SOLE   0 0 22,591
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   99,562 10,201 SH   SOLE   0 0 10,201
ABBVIE INC COM 00287Y109   405,031 2,051 SH   SOLE   0 0 2,051
ABRDN ETFS BBRG ALL COMD K1 003261104   616,981 30,185 SH   SOLE   0 0 30,185
ADOBE INC COM 00724F101   625,478 1,208 SH   SOLE   0 0 1,208
ADVANCED MICRO DEVICES INC COM 007903107   237,182 1,446 SH   SOLE   0 0 1,446
AGILENT TECHNOLOGIES INC COM 00846U101   457,467 3,081 SH   SOLE   0 0 3,081
ALPHABET INC CAP STK CL C 02079K107   1,431,833 8,564 SH   SOLE   0 0 8,564
ALPHABET INC CAP STK CL A 02079K305   2,147,350 12,948 SH   SOLE   0 0 12,948
AMAZON COM INC COM 023135106   3,532,604 18,959 SH   SOLE   0 0 18,959
AMBEV SA SPONSORED ADR 02319V103   64,126 26,281 SH   SOLE   0 0 26,281
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   219,021 3,663 SH   SOLE   0 0 3,663
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190   581,457 10,315 SH   SOLE   0 0 10,315
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   1,673,676 22,657 SH   SOLE   0 0 22,657
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   987,576 18,282 SH   SOLE   0 0 18,282
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   2,661,347 40,428 SH   SOLE   0 0 40,428
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   838,709 17,792 SH   SOLE   0 0 17,792
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   2,393,160 42,629 SH   SOLE   0 0 42,629
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   501,559 9,619 SH   SOLE   0 0 9,619
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   10,301,664 159,468 SH   SOLE   0 0 159,468
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   4,146,766 87,986 SH   SOLE   0 0 87,986
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   49,848,282 743,671 SH   SOLE   0 0 743,671
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   19,853,659 280,935 SH   SOLE   0 0 280,935
AMERICAN CENTY ETF TR US SML CP VALU 025072877   43,913,448 457,670 SH   SOLE   0 0 457,670
AMERICAN CENTY ETF TR US EQT ETF 025072885   57,423,412 603,504 SH   SOLE   0 0 603,504
ANALOG DEVICES INC COM 032654105   303,824 1,320 SH   SOLE   0 0 1,320
ELEVANCE HEALTH INC COM 036752103   209,040 402 SH   SOLE   0 0 402
APPLE INC COM 037833100   26,109,075 112,056 SH   SOLE   0 0 112,056
APPLIED MATLS INC COM 038222105   213,971 1,059 SH   SOLE   0 0 1,059
AQUA METALS INC COM 03837J101   5,610 30,000 SH   SOLE   0 0 30,000
ASHLAND INC COM 044186104   200,031 2,300 SH   SOLE   0 0 2,300
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   202,990 18,726 SH   SOLE   0 0 18,726
BANK AMERICA CORP COM 060505104   436,391 10,998 SH   SOLE   0 0 10,998
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,299,529 2,823 SH   SOLE   0 0 2,823
BLACKBERRY LTD COM 09228F103   48,470 18,500 SH   SOLE   0 0 18,500
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   79,114 14,543 SH   SOLE   0 0 14,543
BROADCOM INC COM 11135F101   278,259 1,613 SH   SOLE   0 0 1,613
CGI INC CL A SUB VTG 12532H104   207,733 1,807 SH   SOLE   0 0 1,807
CADENCE DESIGN SYSTEM INC COM 127387108   1,048,615 3,869 SH   SOLE   0 0 3,869
CATERPILLAR INC COM 149123101   292,243 747 SH   SOLE   0 0 747
CHEVRON CORP NEW COM 166764100   609,903 4,141 SH   SOLE   0 0 4,141
CISCO SYS INC COM 17275R102   489,139 9,191 SH   SOLE   0 0 9,191
COCA COLA CO COM 191216100   383,386 5,335 SH   SOLE   0 0 5,335
COMCAST CORP NEW CL A 20030N101   354,837 8,495 SH   SOLE   0 0 8,495
CONOCOPHILLIPS COM 20825C104   398,485 3,785 SH   SOLE   0 0 3,785
COSTCO WHSL CORP NEW COM 22160K105   1,004,395 1,133 SH   SOLE   0 0 1,133
D R HORTON INC COM 23331A109   223,582 1,172 SH   SOLE   0 0 1,172
DANAHER CORPORATION COM 235851102   342,243 1,231 SH   SOLE   0 0 1,231
DEERE & CO COM 244199105   285,669 685 SH   SOLE   0 0 685
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,820,781 120,226 SH   SOLE   0 0 120,226
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,201,213 43,824 SH   SOLE   0 0 43,824
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   2,603,384 41,855 SH   SOLE   0 0 41,855
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   827,099 12,752 SH   SOLE   0 0 12,752
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,808,763 50,490 SH   SOLE   0 0 50,490
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   779,053 25,286 SH   SOLE   0 0 25,286
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,329,232 97,090 SH   SOLE   0 0 97,090
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,604,819 206,400 SH   SOLE   0 0 206,400
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   515,077 19,198 SH   SOLE   0 0 19,198
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,088,025 37,441 SH   SOLE   0 0 37,441
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   669,875 23,805 SH   SOLE   0 0 23,805
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,073,956 212,026 SH   SOLE   0 0 212,026
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   697,237 22,638 SH   SOLE   0 0 22,638
ENEL CHILE S.A. SPONSORED ADR 29278D105   44,035 15,783 SH   SOLE   0 0 15,783
EXXON MOBIL CORP COM 30231G102   1,669,391 14,242 SH   SOLE   0 0 14,242
META PLATFORMS INC CL A 30303M102   2,986,584 5,217 SH   SOLE   0 0 5,217
FTC SOLAR INC COM 30320C103   40,836 60,000 SH   SOLE   0 0 60,000
GILEAD SCIENCES INC COM 375558103   1,181,725 14,095 SH   SOLE   0 0 14,095
GLOBAL X FDS US INFR DEV ETF 37954Y673   378,055 9,185 SH   SOLE   0 0 9,185
GLOBAL X FDS MSCI VIETNAM ETF 37960A883   235,608 14,189 SH   SOLE   0 0 14,189
GOLDMAN SACHS GROUP INC COM 38141G104   210,650 425 SH   SOLE   0 0 425
GRAINGER W W INC COM 384802104   204,646 197 SH   SOLE   0 0 197
HSBC HLDGS PLC SPON ADR NEW 404280406   254,872 5,640 SH   SOLE   0 0 5,640
HP INC COM 40434L105   445,049 12,407 SH   SOLE   0 0 12,407
HEWLETT PACKARD ENTERPRISE C COM 42824C109   482,508 23,583 SH   SOLE   0 0 23,583
HOME DEPOT INC COM 437076102   565,550 1,396 SH   SOLE   0 0 1,396
ING GROEP N.V. SPONSORED ADR 456837103   185,250 10,201 SH   SOLE   0 0 10,201
INTEL CORP COM 458140100   398,642 16,992 SH   SOLE   0 0 16,992
INTERCONTINENTAL EXCHANGE IN COM 45866F104   200,479 1,248 SH   SOLE   0 0 1,248
INTERNATIONAL BUSINESS MACHS COM 459200101   852,349 3,855 SH   SOLE   0 0 3,855
INVESCO QQQ TR UNIT SER 1 46090E103   1,063,609 2,179 SH   SOLE   0 0 2,179
INTUITIVE SURGICAL INC COM NEW 46120E602   265,777 541 SH   SOLE   0 0 541
INTUIT COM 461202103   203,688 328 SH   SOLE   0 0 328
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   245,608 9,793 SH   SOLE   0 0 9,793
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   310,932 12,875 SH   SOLE   0 0 12,875
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   1,329,463 56,681 SH   SOLE   0 0 56,681
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,836,857 165,954 SH   SOLE   0 0 165,954
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   1,732,781 76,267 SH   SOLE   0 0 76,267
ISHARES GOLD TR ISHARES NEW 464285204   558,330 11,234 SH   SOLE   0 0 11,234
ISHARES TR CORE S&P500 ETF 464287200   2,007,687 3,481 SH   SOLE   0 0 3,481
ISHARES TR CORE US AGGBD ET 464287226   1,214,414 11,992 SH   SOLE   0 0 11,992
ISHARES TR 7-10 YR TRSY BD 464287440   1,278,615 13,031 SH   SOLE   0 0 13,031
ISHARES TR ISHARES SEMICDTR 464287523   1,051,721 4,561 SH   SOLE   0 0 4,561
ISHARES TR ISHARES BIOTECH 464287556   424,912 2,918 SH   SOLE   0 0 2,918
ISHARES TR RUS 1000 VAL ETF 464287598   231,176 1,218 SH   SOLE   0 0 1,218
ISHARES TR RUS 1000 GRW ETF 464287614   225,979 602 SH   SOLE   0 0 602
ISHARES TR RUS 1000 ETF 464287622   276,349 879 SH   SOLE   0 0 879
ISHARES TR CORE S&P SCP ETF 464287804   292,112 2,498 SH   SOLE   0 0 2,498
ISHARES TR EAFE SML CP ETF 464288273   237,085 3,502 SH   SOLE   0 0 3,502
ISHARES TR CALIF MUN BD ETF 464288356   875,609 15,068 SH   SOLE   0 0 15,068
ISHARES TR ISHS 1-5YR INVS 464288646   1,615,713 30,682 SH   SOLE   0 0 30,682
ISHARES TR US HOME CONS ETF 464288752   643,204 5,061 SH   SOLE   0 0 5,061
ISHARES TR RUS TP200 GR ETF 464289438   1,105,531 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   479,742 8,197 SH   SOLE   0 0 8,197
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   692,876 13,522 SH   SOLE   0 0 13,522
ISHARES INC MSCI EMRG CHN 46434G764   2,801,659 45,846 SH   SOLE   0 0 45,846
ISHARES TR ESG AW MSCI EAFE 46435G516   1,134,040 13,473 SH   SOLE   0 0 13,473
ISHARES TR IBONDS 25 TRM HG 46435U168   805,598 34,575 SH   SOLE   0 0 34,575
ISHARES TR IBONDS 24 TRM HG 46435U184   1,006,338 43,209 SH   SOLE   0 0 43,209
ISHARES TR US INFRASTRUC 46435U713   641,660 13,661 SH   SOLE   0 0 13,661
ISHARES TR IBONDS 2026 TERM 46436E528   1,091,796 46,638 SH   SOLE   0 0 46,638
JPMORGAN CHASE & CO. COM 46625H100   1,004,388 4,763 SH   SOLE   0 0 4,763
JOHNSON & JOHNSON COM 478160104   326,389 2,014 SH   SOLE   0 0 2,014
KLA CORP COM NEW 482480100   209,865 271 SH   SOLE   0 0 271
KEYSIGHT TECHNOLOGIES INC COM 49338L103   305,463 1,922 SH   SOLE   0 0 1,922
ELI LILLY & CO COM 532457108   450,081 508 SH   SOLE   0 0 508
LOWES COS INC COM 548661107   233,473 862 SH   SOLE   0 0 862
MARATHON PETE CORP COM 56585A102   247,297 1,518 SH   SOLE   0 0 1,518
MARQETA INC CLASS A COM 57142B104   2,432,920 494,496 SH   SOLE   0 0 494,496
MARRIOTT INTL INC NEW CL A 571903202   256,307 1,031 SH   SOLE   0 0 1,031
MASTERCARD INCORPORATED CL A 57636Q104   909,921 1,843 SH   SOLE   0 0 1,843
MERCK & CO INC COM 58933Y105   334,094 2,942 SH   SOLE   0 0 2,942
MICROSOFT CORP COM 594918104   3,941,321 9,159 SH   SOLE   0 0 9,159
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   194,345 46,494 SH   SOLE   0 0 46,494
MORGAN STANLEY COM NEW 617446448   220,744 2,118 SH   SOLE   0 0 2,118
NETFLIX INC COM 64110L106   497,916 702 SH   SOLE   0 0 702
NOMURA HLDGS INC SPONSORED ADR 65535H208   123,025 23,568 SH   SOLE   0 0 23,568
NOVO-NORDISK A S ADR 670100205   650,479 5,463 SH   SOLE   0 0 5,463
NVIDIA CORPORATION COM 67066G104   4,438,886 36,552 SH   SOLE   0 0 36,552
ORACLE CORP COM 68389X105   612,247 3,593 SH   SOLE   0 0 3,593
PEPSICO INC COM 713448108   283,452 1,667 SH   SOLE   0 0 1,667
PHILLIPS 66 COM 718546104   246,074 1,872 SH   SOLE   0 0 1,872
PORCH GROUP INC COM 733245104   223,573 145,650 SH   SOLE   0 0 145,650
PROFIRE ENERGY INC COM 74316X101   32,407 19,290 SH   SOLE   0 0 19,290
PROGRESSIVE CORP COM 743315103   239,042 942 SH   SOLE   0 0 942
PROLOGIS INC. COM 74340W103   203,816 1,614 SH   SOLE   0 0 1,614
PROSHARES TR LARGE CAP CRE 74347R248   226,450 3,464 SH   SOLE   0 0 3,464
PUBLIC STORAGE OPER CO COM 74460D109   813,977 2,237 SH   SOLE   0 0 2,237
QUALCOMM INC COM 747525103   247,593 1,456 SH   SOLE   0 0 1,456
REALTY INCOME CORP COM 756109104   247,275 3,899 SH   SOLE   0 0 3,899
SHELL PLC SPON ADS 780259305   235,244 3,567 SH   SOLE   0 0 3,567
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,421,297 2,477 SH   SOLE   0 0 2,477
SPDR GOLD TR GOLD SHS 78463V107   563,170 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   584,101 17,114 SH   SOLE   0 0 17,114
SPDR SER TR S&P 600 SMCP VAL 78464A300   230,768 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   2,595,139 9,481 SH   SOLE   0 0 9,481
SAP SE SPON ADR 803054204   332,882 1,453 SH   SOLE   0 0 1,453
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,451,678 33,132 SH   SOLE   0 0 33,132
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,261,818 65,470 SH   SOLE   0 0 65,470
SCHWAB STRATEGIC TR LONG TERM US 808524680   7,522,667 214,995 SH   SOLE   0 0 214,995
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   274,590 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   541,014 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   388,794 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   425,036 10,336 SH   SOLE   0 0 10,336
SERVICENOW INC COM 81762P102   351,495 393 SH   SOLE   0 0 393
SNOWFLAKE INC CL A 833445109   1,090,481 9,494 SH   SOLE   0 0 9,494
STARBUCKS CORP COM 855244109   655,699 6,726 SH   SOLE   0 0 6,726
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   266,064 21,066 SH   SOLE   0 0 21,066
TJX COS INC NEW COM 872540109   253,064 2,153 SH   SOLE   0 0 2,153
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   279,956 1,612 SH   SOLE   0 0 1,612
TARGET CORP COM 87612E106   1,650,508 10,590 SH   SOLE   0 0 10,590
TESLA INC COM 88160R101   2,134,430 8,158 SH   SOLE   0 0 8,158
TEXAS INSTRS INC COM 882508104   260,898 1,263 SH   SOLE   0 0 1,263
UNITED RENTALS INC COM 911363109   259,923 321 SH   SOLE   0 0 321
UNITEDHEALTH GROUP INC COM 91324P102   667,228 1,141 SH   SOLE   0 0 1,141
VALVOLINE INC COM 92047W101   264,576 6,322 SH   SOLE   0 0 6,322
VANGUARD STAR FDS VG TL INTL STK F 921909768   552,297 8,531 SH   SOLE   0 0 8,531
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,153,293 27,476 SH   SOLE   0 0 27,476
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   227,022 4,299 SH   SOLE   0 0 4,299
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,512,599 51,117 SH   SOLE   0 0 51,117
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   442,482 6,667 SH   SOLE   0 0 6,667
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   1,150,903 4,078 SH   SOLE   0 0 4,078
VANGUARD WORLD FD INF TECH ETF 92204A702   754,851 1,287 SH   SOLE   0 0 1,287
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   219,776 3,489 SH   SOLE   0 0 3,489
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,024,626 63,211 SH   SOLE   0 0 63,211
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   211,107 2,969 SH   SOLE   0 0 2,969
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   231,433 4,527 SH   SOLE   0 0 4,527
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,086,433 9,639 SH   SOLE   0 0 9,639
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,238,087 13,348 SH   SOLE   0 0 13,348
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,147,491 8,820 SH   SOLE   0 0 8,820
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   762,601 7,828 SH   SOLE   0 0 7,828
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,509,762 5,647 SH   SOLE   0 0 5,647
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,450,253 17,184 SH   SOLE   0 0 17,184
VANGUARD INDEX FDS LARGE CAP ETF 922908637   203,523 773 SH   SOLE   0 0 773
VANGUARD INDEX FDS GROWTH ETF 922908736   14,900,123 38,809 SH   SOLE   0 0 38,809
VANGUARD INDEX FDS VALUE ETF 922908744   8,071,889 46,239 SH   SOLE   0 0 46,239
VANGUARD INDEX FDS SMALL CP ETF 922908751   835,928 3,524 SH   SOLE   0 0 3,524
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,493,385 8,806 SH   SOLE   0 0 8,806
VERIZON COMMUNICATIONS INC COM 92343V104   493,696 10,993 SH   SOLE   0 0 10,993
VISA INC COM CL A 92826C839   1,727,035 6,281 SH   SOLE   0 0 6,281
WALMART INC COM 931142103   233,210 2,888 SH   SOLE   0 0 2,888
WIPRO LTD SPON ADR 1 SH 97651M109   71,377 11,015 SH   SOLE   0 0 11,015