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
Estimated average burden
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
AMAZON COM INC COM Stock 023135106   1,427,476 9,395 SH   SOLE 0 0 0 9,395
INVESCO QQQ TRUST SERIES I ETF 46090E103   399,090 975 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109   328,934 3,426 SH   SOLE 0 0 0 3,426
JOHNSON & JOHNSON COM Stock 478160104   1,249,393 7,971 SH   SOLE 0 0 0 7,971
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,098,803 4,632 SH   SOLE 0 0 0 4,632
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   217,954 3,278 SH   SOLE 0 0 0 3,278
COSTCO WHSL CORP NEW COM Stock 22160K105   351,530 533 SH   SOLE 0 0 0 532
YUM BRANDS INC COM Stock 988498101   303,785 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   271,472 1,853 SH   SOLE 0 0 0 1,852
VANGUARD REAL ESTATE ETF ETF 922908553   1,608,109 18,200 SH   SOLE 0 0 0 18,199
INTEL CORP COM Stock 458140100   769,432 15,312 SH   SOLE 0 0 0 15,312
NETFLIX INC COM Stock 64110L106   387,070 795 SH   SOLE 0 0 0 795
MERCK & CO INC COM Stock 58933Y105   322,283 2,956 SH   SOLE 0 0 0 2,956
SPDR S&P 500 ETF TRUST ETF 78462F103   596,989 1,256 SH   SOLE 0 0 0 1,256
ISHARES TIPS BOND ETF ETF 464287176   238,874 2,222 SH   SOLE 0 0 0 2,222
ISHARES COHEN & STEERS REIT ETF ETF 464287564   241,968 4,120 SH   SOLE 0 0 0 4,120
FEDEX CORP COM Stock 31428X106   233,744 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   868,137 2,505 SH   SOLE 0 0 0 2,505
SPDR GOLD SHARES ETF 78463V107   1,014,539 5,307 SH   SOLE 0 0 0 5,307
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   1,081,809 22,900 SH   SOLE 0 0 0 22,900
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,443,634 25,932 SH   SOLE 0 0 0 25,932
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   9,851,647 266,549 SH   SOLE 0 0 0 266,548
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   6,252,515 110,860 SH   SOLE 0 0 0 110,860
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   872,540 12,114 SH   SOLE 0 0 0 12,113
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   6,843,335 136,240 SH   SOLE 0 0 0 136,240
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   609,985 20,483 SH   SOLE 0 0 0 20,483
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   682,415 6,304 SH   SOLE 0 0 0 6,304
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,622,521 7,353 SH   SOLE 0 0 0 7,353
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   399,674 16,122 SH   SOLE 0 0 0 16,122
ADOBE INC COM Stock 00724F101   442,081 741 SH   SOLE 0 0 0 741
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   7,343,258 94,911 SH   SOLE 0 0 0 94,910
ALPHABET INC CAP STK CL A Stock 02079K305   2,927,204 20,955 SH   SOLE 0 0 0 20,955
INTUIT COM Stock 461202103   354,392 567 SH   SOLE 0 0 0 567
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   228,424 6,547 SH   SOLE 0 0 0 6,546
MICROSOFT CORP COM Stock 594918104   5,587,445 14,859 SH   SOLE 0 0 0 14,858
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,322,743 32,333 SH   SOLE 0 0 0 32,333
BOEING CO COM Stock 097023105   493,461 1,893 SH   SOLE 0 0 0 1,893
VANGUARD SMALL-CAP ETF ETF 922908751   3,139,170 14,715 SH   SOLE 0 0 0 14,715
VANGUARD MID-CAP ETF ETF 922908629   3,512,727 15,099 SH   SOLE 0 0 0 15,099
VANGUARD LARGE-CAP ETF ETF 922908637   4,387,844 20,114 SH   SOLE 0 0 0 20,113
TESLA INC COM Stock 88160R101   7,269,034 29,254 SH   SOLE 0 0 0 29,254
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   792,407 15,617 SH   SOLE 0 0 0 15,617
VANGUARD HEALTH CARE ETF ETF 92204A504   874,252 3,487 SH   SOLE 0 0 0 3,487
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   271,756 5,609 SH   SOLE 0 0 0 5,609
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,173,684 16,743 SH   SOLE 0 0 0 16,743
SCHWAB US TIPS ETF ETF 808524870   595,132 11,401 SH   SOLE 0 0 0 11,401
VANGUARD S&P 500 ETF ETF 922908363   5,172,214 11,841 SH   SOLE 0 0 0 11,841
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,745,564 64,465 SH   SOLE 0 0 0 64,465
SCHWAB U.S. REIT ETF ETF 808524847   962,414 46,471 SH   SOLE 0 0 0 46,471
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   1,142,525 12,723 SH   SOLE 0 0 0 12,723
SCHWAB U.S. MID-CAP ETF ETF 808524508   7,565,969 100,451 SH   SOLE 0 0 0 100,451
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,356,658 21,710 SH   SOLE 0 0 0 21,710
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,918,676 67,610 SH   SOLE 0 0 0 67,610
ISHARES RUSSELL 2000 ETF ETF 464287655   1,032,051 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   420,073 6,704 SH   SOLE 0 0 0 6,704
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   338,060 15,622 SH   SOLE 0 0 0 15,622
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,706,799 9,484 SH   SOLE 0 0 0 9,483
REGENERON PHARMACEUTICALS COM Stock 75886F107   337,263 384 SH   SOLE 0 0 0 384
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104   239,367 7,199 SH   SOLE 0 0 0 7,199
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   460,875 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   45,842 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,571,393 65,176 SH   SOLE 0 0 0 65,176
SCHWAB US AGGREGATE BOND ETF ETF 808524839   947,759 20,329 SH   SOLE 0 0 0 20,329
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   2,719,127 35,717 SH   SOLE 0 0 0 35,716
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   210,322 9,381 SH   SOLE 0 0 0 9,381
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   874,246 17,683 SH   SOLE 0 0 0 17,683
VISA INC COM CL A Stock 92826C839   619,289 2,379 SH   SOLE 0 0 0 2,378
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   571,464 19,551 SH   SOLE 0 0 0 19,550
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   7,473,205 142,809 SH   SOLE 0 0 0 142,809
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   356,798 6,884 SH   SOLE 0 0 0 6,884
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486   543,925 26,188 SH   SOLE 0 0 0 26,188
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,318,678 94,950 SH   SOLE 0 0 0 94,949
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   311,615 5,395 SH   SOLE 0 0 0 5,395
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   426,395 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   1,030,530 6,893 SH   SOLE 0 0 0 6,893
VANGUARD GROWTH ETF ETF 922908736   3,487,229 11,217 SH   SOLE 0 0 0 11,217
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   926,535 36,855 SH   SOLE 0 0 0 36,855
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   3,565,897 75,854 SH   SOLE 0 0 0 75,854
META PLATFORMS INC CL A Stock 30303M102   2,147,475 6,067 SH   SOLE 0 0 0 6,067
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,619,753 159,180 SH   SOLE 0 0 0 159,180
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   1,601,484 54,996 SH   SOLE 0 0 0 54,996
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,835,299 71,177 SH   SOLE 0 0 0 71,177
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   586,220 22,962 SH   SOLE 0 0 0 22,962
JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104   237,241 5,100 SH   SOLE 0 0 0 5,100
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   4,837,607 129,973 SH   SOLE 0 0 0 129,973
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   592,224 23,473 SH   SOLE 0 0 0 23,473
WP CAREY INC COM REIT 92936U109   2,215,191 34,180 SH   SOLE 0 0 0 34,179
BROADCOM INC COM Stock 11135F101   1,161,553 1,041 SH   SOLE 0 0 0 1,040
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   6,136,563 129,218 SH   SOLE 0 0 0 129,218
ISHARES CORE MSCI EAFE ETF ETF 46432F842   471,127 6,697 SH   SOLE 0 0 0 6,696
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   974,584 36,029 SH   SOLE 0 0 0 36,029
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   414,248 6,336 SH   SOLE 0 0 0 6,336
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   407,407 1,161 SH   SOLE 0 0 0 1,161
NVIDIA CORPORATION COM Stock 67066G104   1,431,681 2,891 SH   SOLE 0 0 0 2,891
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   2,259,459 44,066 SH   SOLE 0 0 0 44,065
ABBVIE INC COM Stock 00287Y109   200,419 1,293 SH   SOLE 0 0 0 1,293
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   292,679 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,406,776 25,058 SH   SOLE 0 0 0 25,058
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   359,320 3,455 SH   SOLE 0 0 0 3,455
BLACKSTONE INC COM Stock 09260D107   587,438 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   347,050 14,400 SH   SOLE 0 0 0 14,399
QUALCOMM INC COM Stock 747525103   1,315,974 9,099 SH   SOLE 0 0 0 9,098
CISCO SYS INC COM Stock 17275R102   942,068 18,647 SH   SOLE 0 0 0 18,647
ADVANCED MICRO DEVICES INC COM Stock 007903107   1,269,790 8,614 SH   SOLE 0 0 0 8,614
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   268,180 3,199 SH   SOLE 0 0 0 3,198
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   216,040 1,760 SH   SOLE 0 0 0 1,760
ISHARES S&P 500 VALUE ETF ETF 464287408   468,286 2,693 SH   SOLE 0 0 0 2,693
LULULEMON ATHLETICA INC COM Stock 550021109   1,023,603 2,002 SH   SOLE 0 0 0 2,002
ISHARES S&P 500 GROWTH ETF ETF 464287309   384,662 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   26,346,304 55,160 SH   SOLE 0 0 0 55,160
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   204,536 8,558 SH   SOLE 0 0 0 8,558
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   4,259,674 170,660 SH   SOLE 0 0 0 170,660
WELLS FARGO CO NEW COM Stock 949746101   208,051 4,227 SH   SOLE 0 0 0 4,226
SALESFORCE INC COM Stock 79466L302   312,610 1,188 SH   SOLE 0 0 0 1,188
LOCKHEED MARTIN CORP COM Stock 539830109   882,606 1,947 SH   SOLE 0 0 0 1,947
JPMORGAN CHASE & CO COM Stock 46625H100   4,297,133 25,262 SH   SOLE 0 0 0 25,262
CHEVRON CORP NEW COM Stock 166764100   1,738,917 11,658 SH   SOLE 0 0 0 11,658
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,523,532 94,437 SH   SOLE 0 0 0 94,437
BANK AMERICA CORP COM Stock 060505104   826,665 24,552 SH   SOLE 0 0 0 24,551
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   281,278 4,812 SH   SOLE 0 0 0 4,812
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   298,309 1,824 SH   SOLE 0 0 0 1,823
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   901,303 21,930 SH   SOLE 0 0 0 21,929
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   619,503 5,550 SH   SOLE 0 0 0 5,549
PFIZER INC COM Stock 717081103   494,664 17,182 SH   SOLE 0 0 0 17,181
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   552,163 4,990 SH   SOLE 0 0 0 4,989
CATERPILLAR INC COM Stock 149123101   481,779 1,629 SH   SOLE 0 0 0 1,629
ALPHABET INC CAP STK CL C Stock 02079K107   510,026 3,619 SH   SOLE 0 0 0 3,619
AMGEN INC COM Stock 031162100   1,028,307 3,570 SH   SOLE 0 0 0 3,570
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,002,835 5,885 SH   SOLE 0 0 0 5,885
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   510,145 5,140 SH   SOLE 0 0 0 5,140
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   399,012 8,661 SH   SOLE 0 0 0 8,661
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,043,591 13,550 SH   SOLE 0 0 0 13,549
LAM RESEARCH CORP COM Stock 512807108   2,066,055 2,638 SH   SOLE 0 0 0 2,637
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   232,640 4,534 SH   SOLE 0 0 0 4,534
EXXON MOBIL CORP COM Stock 30231G102   394,506 3,946 SH   SOLE 0 0 0 3,945
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   9,793,554 287,961 SH   SOLE 0 0 0 287,961
BLACKROCK INC COM Stock 09247X101   312,421 385 SH   SOLE 0 0 0 384
ISHARES CORE S&P MID-CAP ETF ETF 464287507   316,683 1,143 SH   SOLE 0 0 0 1,142
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100   142,163 10,689 SH   SOLE 0 0 0 10,688
ISHARES MSCI EAFE ETF ETF 464287465   368,085 4,885 SH   SOLE 0 0 0 4,885
APPLE INC COM Stock 037833100   18,207,590 94,570 SH   SOLE 0 0 0 94,570
DISNEY WALT CO COM Stock 254687106   358,904 3,975 SH   SOLE 0 0 0 3,975