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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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
ABB LTD SPONSORED ADR 000375204   239,105 6,971 SH   SOLE 0 0 0 6,971
ABBVIE INC COM 00287Y109   825,696 5,181 SH   SOLE 0 0 0 5,181
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   330,682 1,157 SH   SOLE 0 0 0 1,157
ADOBE SYSTEMS INCORPORATED COM 00724F101   313,306 813 SH   SOLE 0 0 0 813
ADVANCED MICRO DEVICES INC COM 007903107   204,841 2,090 SH   SOLE 0 0 0 2,090
AEGON N V NY REGISTRY SHS 007924103   43,527 10,123 SH   SOLE 0 0 0 10,123
ALPHABET INC CAP STK CL A 02079K305   1,079,207 10,404 SH   SOLE 0 0 0 10,404
ALPHABET INC CAP STK CL C 02079K107   1,015,664 9,766 SH   SOLE 0 0 0 9,766
AMAZON COM INC COM 023135106   1,152,613 11,159 SH   SOLE 0 0 0 11,159
AMERICAN EXPRESS CO COM 025816109   247,921 1,503 SH   SOLE 0 0 0 1,503
AMGEN INC COM 031162100   318,868 1,319 SH   SOLE 0 0 0 1,319
APPLE INC COM 037833100   4,766,187 28,903 SH   SOLE 0 0 0 28,903
APPLIED MATLS INC COM 038222105   237,922 1,937 SH   SOLE 0 0 0 1,937
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,213,025 1,782 SH   SOLE 0 0 0 1,782
ASTRAZENECA PLC SPONSORED ADR 046353108   477,818 6,884 SH   SOLE 0 0 0 6,884
AUTOMATIC DATA PROCESSING IN COM 053015103   377,580 1,696 SH   SOLE 0 0 0 1,696
BANCO SANTANDER S.A. ADR 05964H105   262,234 71,066 SH   SOLE 0 0 0 71,066
BANK AMERICA CORP COM 060505104   204,776 7,160 SH   SOLE 0 0 0 7,160
BANK MONTREAL QUE COM 063671101   262,969 2,951 SH   SOLE 0 0 0 2,951
BANK NOVA SCOTIA HALIFAX COM 064149107   242,433 4,814 SH   SOLE 0 0 0 4,814
BARCLAYS PLC ADR 06738E204   107,728 14,983 SH   SOLE 0 0 0 14,983
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   688,866 2,231 SH   SOLE 0 0 0 2,231
BLACKROCK INC COM 09247X101   215,457 322 SH   SOLE 0 0 0 322
BOOKING HOLDINGS INC COM 09857L108   259,936 98 SH   SOLE 0 0 0 98
BRISTOL-MYERS SQUIBB CO COM 110122108   446,079 6,436 SH   SOLE 0 0 0 6,436
BROADCOM INC COM 11135F101   595,991 929 SH   SOLE 0 0 0 929
CATERPILLAR INC COM 149123101   265,226 1,159 SH   SOLE 0 0 0 1,159
CISCO SYS INC COM 17275R102   496,560 9,499 SH   SOLE 0 0 0 9,499
COCA COLA CO COM 191216100   522,975 8,431 SH   SOLE 0 0 0 8,431
COMCAST CORP NEW CL A 20030N101   418,488 11,039 SH   SOLE 0 0 0 11,039
COSTCO WHSL CORP NEW COM 22160K105   804,929 1,620 SH   SOLE 0 0 0 1,620
CVS HEALTH CORP COM 126650100   438,132 5,896 SH   SOLE 0 0 0 5,896
D R HORTON INC COM 23331A109   207,982 2,129 SH   SOLE 0 0 0 2,129
DANAHER CORPORATION COM 235851102   272,203 1,080 SH   SOLE 0 0 0 1,080
DEERE & CO COM 244199105   263,417 638 SH   SOLE 0 0 0 638
DIAGEO PLC SPON ADR NEW 25243Q205   207,270 1,144 SH   SOLE 0 0 0 1,144
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   422,319 14,679 SH   SOLE 0 0 0 14,679
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   882,343 32,740 SH   SOLE 0 0 0 32,740
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   526,745 22,882 SH   SOLE 0 0 0 22,882
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,041,958 45,959 SH   SOLE 0 0 0 45,959
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   6,645,643 260,818 SH   SOLE 0 0 0 260,818
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,873,375 54,523 SH   SOLE 0 0 0 54,523
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   539,871 12,132 SH   SOLE 0 0 0 12,132
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   838,335 26,011 SH   SOLE 0 0 0 26,011
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,067,886 46,309 SH   SOLE 0 0 0 46,309
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   9,086,517 212,163 SH   SOLE 0 0 0 212,163
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,668,702 35,763 SH   SOLE 0 0 0 35,763
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   884,128 20,803 SH   SOLE 0 0 0 20,803
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,052,639 21,787 SH   SOLE 0 0 0 21,787
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   413,427 16,445 SH   SOLE 0 0 0 16,445
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   809,657 37,676 SH   SOLE 0 0 0 37,676
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   550,604 22,086 SH   SOLE 0 0 0 22,086
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   264,868 10,954 SH   SOLE 0 0 0 10,954
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   351,124 14,750 SH   SOLE 0 0 0 14,750
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,131,317 88,565 SH   SOLE 0 0 0 88,565
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   708,575 30,821 SH   SOLE 0 0 0 30,821
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,430,545 60,642 SH   SOLE 0 0 0 60,642
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   546,126 16,312 SH   SOLE 0 0 0 16,312
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,053,974 35,074 SH   SOLE 0 0 0 35,074
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   8,349,742 279,349 SH   SOLE 0 0 0 279,349
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   366,877 13,782 SH   SOLE 0 0 0 13,782
DISNEY WALT CO COM 254687106   211,274 2,110 SH   SOLE 0 0 0 2,110
ELEVANCE HEALTH INC COM 036752103   319,108 694 SH   SOLE 0 0 0 694
ENBRIDGE INC COM 29250N105   233,745 6,127 SH   SOLE 0 0 0 6,127
ERICSSON ADR B SEK 10 294821608   158,734 27,134 SH   SOLE 0 0 0 27,134
GILEAD SCIENCES INC COM 375558103   270,814 3,264 SH   SOLE 0 0 0 3,264
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   640,625 6,397 SH   SOLE 0 0 0 6,397
GOLDMAN SACHS GROUP INC COM 38141G104   237,482 726 SH   SOLE 0 0 0 726
HOME DEPOT INC COM 437076102   695,893 2,358 SH   SOLE 0 0 0 2,358
HSBC HLDGS PLC SPON ADR NEW 404280406   271,641 7,959 SH   SOLE 0 0 0 7,959
ING GROEP N.V. SPONSORED ADR 456837103   183,475 15,457 SH   SOLE 0 0 0 15,457
INTERNATIONAL BUSINESS MACHS COM 459200101   249,071 1,900 SH   SOLE 0 0 0 1,900
ISHARES INC CORE MSCI EMKT 46434G103   855,030 17,525 SH   SOLE 0 0 0 17,525
ISHARES TR JPMORGAN USD EMG 464288281   636,619 7,379 SH   SOLE 0 0 0 7,379
ISHARES TR CORE S&P TTL STK 464287150   644,640 7,119 SH   SOLE 0 0 0 7,119
ISHARES TR CORE US AGGBD ET 464287226   488,588 4,904 SH   SOLE 0 0 0 4,904
ISHARES TR RUS MDCP VAL ETF 464287473   1,474,617 13,885 SH   SOLE 0 0 0 13,885
ISHARES TR RUS 2000 VAL ETF 464287630   1,066,640 7,785 SH   SOLE 0 0 0 7,785
ISHARES TR CORE MSCI INTL 46435G326   220,595 3,648 SH   SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,145,606 11,390 SH   SOLE 0 0 0 11,390
JOHNSON & JOHNSON COM 478160104   773,295 4,989 SH   SOLE 0 0 0 4,989
JPMORGAN CHASE & CO COM 46625H100   944,096 7,245 SH   SOLE 0 0 0 7,245
LILLY ELI & CO COM 532457108   401,458 1,169 SH   SOLE 0 0 0 1,169
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   67,526 29,106 SH   SOLE 0 0 0 29,106
LOCKHEED MARTIN CORP COM 539830109   275,129 582 SH   SOLE 0 0 0 582
LOWES COS INC COM 548661107   268,760 1,344 SH   SOLE 0 0 0 1,344
MASTERCARD INCORPORATED CL A 57636Q104   697,747 1,920 SH   SOLE 0 0 0 1,920
MCDONALDS CORP COM 580135101   470,863 1,684 SH   SOLE 0 0 0 1,684
MCKESSON CORP COM 58155Q103   249,591 701 SH   SOLE 0 0 0 701
MERCK & CO INC COM 58933Y105   353,534 3,323 SH   SOLE 0 0 0 3,323
META PLATFORMS INC CL A 30303M102   1,241,545 5,858 SH   SOLE 0 0 0 5,858
MICROSOFT CORP COM 594918104   3,087,405 10,709 SH   SOLE 0 0 0 10,709
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   103,940 16,266 SH   SOLE 0 0 0 16,266
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   59,406 21,066 SH   SOLE 0 0 0 21,066
MORGAN STANLEY COM NEW 617446448   268,229 3,055 SH   SOLE 0 0 0 3,055
NETFLIX INC COM 64110L106   948,343 2,745 SH   SOLE 0 0 0 2,745
NEXTERA ENERGY INC COM 65339F101   245,962 3,191 SH   SOLE 0 0 0 3,191
NIKE INC CL B 654106103   627,426 5,116 SH   SOLE 0 0 0 5,116
NOKIA CORP SPONSORED ADR 654902204   69,521 14,159 SH   SOLE 0 0 0 14,159
NOMURA HLDGS INC SPONSORED ADR 65535H208   52,026 13,691 SH   SOLE 0 0 0 13,691
NOVARTIS AG SPONSORED ADR 66987V109   510,232 5,546 SH   SOLE 0 0 0 5,546
NOVO-NORDISK A S ADR 670100205   2,700,471 16,969 SH   SOLE 0 0 0 16,969
NVIDIA CORPORATION COM 67066G104   866,087 3,118 SH   SOLE 0 0 0 3,118
ORACLE CORP COM 68389X105   346,963 3,734 SH   SOLE 0 0 0 3,734
ORANGE SPONSORED ADR 684060106   241,129 20,212 SH   SOLE 0 0 0 20,212
PEPSICO INC COM 713448108   602,502 3,305 SH   SOLE 0 0 0 3,305
PFIZER INC COM 717081103   408,694 10,017 SH   SOLE 0 0 0 10,017
PROCTER AND GAMBLE CO COM 742718109   617,956 4,156 SH   SOLE 0 0 0 4,156
PROGRESSIVE CORP COM 743315103   207,294 1,449 SH   SOLE 0 0 0 1,449
QUALCOMM INC COM 747525103   345,742 2,710 SH   SOLE 0 0 0 2,710
RAYTHEON TECHNOLOGIES CORP COM 75513E101   239,243 2,443 SH   SOLE 0 0 0 2,443
REGENERON PHARMACEUTICALS COM 75886F107   239,928 292 SH   SOLE 0 0 0 292
RELX PLC SPONSORED ADR 759530108   471,256 14,527 SH   SOLE 0 0 0 14,527
ROYAL BK CDA SUSTAINABL COM 780087102   684,831 7,165 SH   SOLE 0 0 0 7,165
SALESFORCE INC COM 79466L302   237,538 1,189 SH   SOLE 0 0 0 1,189
SCHLUMBERGER LTD COM STK 806857108   286,646 5,838 SH   SOLE 0 0 0 5,838
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,532,939 178,327 SH   SOLE 0 0 0 178,327
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,227,825 121,489 SH   SOLE 0 0 0 121,489
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,481,707 22,594 SH   SOLE 0 0 0 22,594
SHERWIN WILLIAMS CO COM 824348106   206,788 920 SH   SOLE 0 0 0 920
SONY GROUP CORPORATION SPONSORED ADR 835699307   632,737 6,980 SH   SOLE 0 0 0 6,980
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   195,408 24,426 SH   SOLE 0 0 0 24,426
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   337,889 20,503 SH   SOLE 0 0 0 20,503
TARGET CORP COM 87612E106   240,495 1,452 SH   SOLE 0 0 0 1,452
TELEFONICA S A SPONSORED ADR 879382208   80,522 18,814 SH   SOLE 0 0 0 18,814
TESLA INC COM 88160R101   1,094,027 5,273 SH   SOLE 0 0 0 5,273
TEXAS INSTRS INC COM 882508104   241,255 1,297 SH   SOLE 0 0 0 1,297
THE CIGNA GROUP COM 125523100   287,216 1,124 SH   SOLE 0 0 0 1,124
THERMO FISHER SCIENTIFIC INC COM 883556102   370,030 642 SH   SOLE 0 0 0 642
TJX COS INC NEW COM 872540109   214,550 2,738 SH   SOLE 0 0 0 2,738
TORONTO DOMINION BK ONT COM NEW 891160509   407,380 6,801 SH   SOLE 0 0 0 6,801
TOYOTA MOTOR CORP ADS 892331307   754,641 5,326 SH   SOLE 0 0 0 5,326
TRAVELERS COMPANIES INC COM 89417E109   245,973 1,435 SH   SOLE 0 0 0 1,435
UNILEVER PLC SPON ADR NEW 904767704   546,096 10,516 SH   SOLE 0 0 0 10,516
UNION PAC CORP COM 907818108   264,053 1,312 SH   SOLE 0 0 0 1,312
UNITED PARCEL SERVICE INC CL B 911312106   215,717 1,112 SH   SOLE 0 0 0 1,112
UNITEDHEALTH GROUP INC COM 91324P102   952,741 2,016 SH   SOLE 0 0 0 2,016
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   424,886 5,755 SH   SOLE 0 0 0 5,755
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,192,722 24,381 SH   SOLE 0 0 0 24,381
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   608,484 1,618 SH   SOLE 0 0 0 1,618
VANGUARD INDEX FDS SM CP VAL ETF 922908611   671,569 4,230 SH   SOLE 0 0 0 4,230
VANGUARD INDEX FDS VALUE ETF 922908744   958,413 6,939 SH   SOLE 0 0 0 6,939
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   805,078 6,005 SH   SOLE 0 0 0 6,005
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,294,354 16,141 SH   SOLE 0 0 0 16,141
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,074,604 51,352 SH   SOLE 0 0 0 51,352
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   421,615 4,578 SH   SOLE 0 0 0 4,578
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   491,735 10,283 SH   SOLE 0 0 0 10,283
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   21,511,923 367,474 SH   SOLE 0 0 0 367,474
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,075,530 68,088 SH   SOLE 0 0 0 68,088
VANGUARD WORLD FD ESG US STK ETF 921910733   252,061 3,515 SH   SOLE 0 0 0 3,515
VERIZON COMMUNICATIONS INC COM 92343V104   208,217 5,354 SH   SOLE 0 0 0 5,354
VISA INC COM CL A 92826C839   768,368 3,408 SH   SOLE 0 0 0 3,408
WALMART INC COM 931142103   517,844 3,512 SH   SOLE 0 0 0 3,512