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
AMAZON COM INC COM Stock 023135106   1,755,229 9,420 SH   SOLE 0 0 0 9,420
INVESCO QQQ TRUST SERIES I ETF 46090E103   490,653 1,005 SH   SOLE 0 0 0 1,005
STARBUCKS CORP COM Stock 855244109   340,069 3,488 SH   SOLE 0 0 0 3,488
JOHNSON & JOHNSON COM Stock 478160104   1,035,703 6,391 SH   SOLE 0 0 0 6,390
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,242,506 4,388 SH   SOLE 0 0 0 4,388
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   247,279 3,368 SH   SOLE 0 0 0 3,368
COSTCO WHSL CORP NEW COM Stock 22160K105   498,799 563 SH   SOLE 0 0 0 562
YUM BRANDS INC COM Stock 988498101   324,826 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   303,967 1,755 SH   SOLE 0 0 0 1,755
VANGUARD REAL ESTATE ETF ETF 922908553   1,682,603 17,272 SH   SOLE 0 0 0 17,271
INTEL CORP COM Stock 458140100   297,888 12,698 SH   SOLE 0 0 0 12,697
NETFLIX INC COM Stock 64110L106   512,802 723 SH   SOLE 0 0 0 723
MERCK & CO INC COM Stock 58933Y105   332,320 2,926 SH   SOLE 0 0 0 2,926
SPDR S&P 500 ETF TRUST ETF 78462F103   663,233 1,156 SH   SOLE 0 0 0 1,155
ISHARES TIPS BOND ETF ETF 464287176   234,115 2,119 SH   SOLE 0 0 0 2,119
ISHARES COHEN & STEERS REIT ETF ETF 464287564   271,549 4,120 SH   SOLE 0 0 0 4,120
FEDEX CORP COM Stock 31428X106   252,880 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   1,001,140 2,471 SH   SOLE 0 0 0 2,470
SPDR GOLD SHARES ETF 78463V107   1,385,685 5,701 SH   SOLE 0 0 0 5,701
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   1,107,928 21,513 SH   SOLE 0 0 0 21,513
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,735,241 26,086 SH   SOLE 0 0 0 26,086
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   10,038,080 244,117 SH   SOLE 0 0 0 244,116
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   6,565,361 96,763 SH   SOLE 0 0 0 96,762
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   932,030 11,229 SH   SOLE 0 0 0 11,229
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   6,695,346 131,954 SH   SOLE 0 0 0 131,954
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   584,607 19,307 SH   SOLE 0 0 0 19,306
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   748,409 6,399 SH   SOLE 0 0 0 6,398
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   274,869 11,279 SH   SOLE 0 0 0 11,279
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,797,145 8,250 SH   SOLE 0 0 0 8,250
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   434,141 14,878 SH   SOLE 0 0 0 14,878
ADOBE INC COM Stock 00724F101   396,102 765 SH   SOLE 0 0 0 765
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   11,488,785 144,659 SH   SOLE 0 0 0 144,658
ALPHABET INC CAP STK CL A Stock 02079K305   3,759,488 22,668 SH   SOLE 0 0 0 22,668
INTUIT COM Stock 461202103   362,664 584 SH   SOLE 0 0 0 584
MICROSOFT CORP COM Stock 594918104   6,338,902 14,731 SH   SOLE 0 0 0 14,731
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,718,153 32,959 SH   SOLE 0 0 0 32,959
BOEING CO COM Stock 097023105   211,818 1,393 SH   SOLE 0 0 0 1,393
VANGUARD SMALL-CAP ETF ETF 922908751   3,267,123 13,773 SH   SOLE 0 0 0 13,773
VANGUARD MID-CAP ETF ETF 922908629   3,908,075 14,813 SH   SOLE 0 0 0 14,812
VANGUARD LARGE-CAP ETF ETF 922908637   5,124,646 19,464 SH   SOLE 0 0 0 19,463
TESLA INC COM Stock 88160R101   6,195,660 23,681 SH   SOLE 0 0 0 23,681
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   397,026 7,794 SH   SOLE 0 0 0 7,794
VANGUARD HEALTH CARE ETF ETF 92204A504   909,931 3,224 SH   SOLE 0 0 0 3,224
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   235,582 5,198 SH   SOLE 0 0 0 5,198
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   238,190 4,863 SH   SOLE 0 0 0 4,863
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,236,251 15,382 SH   SOLE 0 0 0 15,382
SCHWAB US TIPS ETF ETF 808524870   601,836 11,222 SH   SOLE 0 0 0 11,222
VANGUARD S&P 500 ETF ETF 922908363   4,259,005 8,071 SH   SOLE 0 0 0 8,071
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   3,043,427 64,878 SH   SOLE 0 0 0 64,878
SCHWAB U.S. REIT ETF ETF 808524847   1,011,069 43,637 SH   SOLE 0 0 0 43,636
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   1,076,559 11,220 SH   SOLE 0 0 0 11,220
SCHWAB U.S. MID-CAP ETF ETF 808524508   8,464,295 101,869 SH   SOLE 0 0 0 101,869
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   345,809 14,709 SH   SOLE 0 0 0 14,709
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,466,756 20,755 SH   SOLE 0 0 0 20,755
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   4,149,640 64,097 SH   SOLE 0 0 0 64,097
ISHARES RUSSELL 2000 ETF ETF 464287655   1,667,720 7,550 SH   SOLE 0 0 0 7,550
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   440,279 6,138 SH   SOLE 0 0 0 6,138
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   557,132 25,130 SH   SOLE 0 0 0 25,130
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,205,113 10,983 SH   SOLE 0 0 0 10,982
SPDR BLOOMBERG 3-12 MONTH T-BILL ETF ETF 78468R523   311,984 3,133 SH   SOLE 0 0 0 3,133
REGENERON PHARMACEUTICALS COM Stock 75886F107   403,676 384 SH   SOLE 0 0 0 384
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   511,404 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   17,130 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,789,846 65,299 SH   SOLE 0 0 0 65,299
SCHWAB US AGGREGATE BOND ETF ETF 808524839   879,389 18,506 SH   SOLE 0 0 0 18,505
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   3,660,114 43,300 SH   SOLE 0 0 0 43,299
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   207,789 9,381 SH   SOLE 0 0 0 9,381
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   797,891 15,977 SH   SOLE 0 0 0 15,977
VISA INC COM CL A Stock 92826C839   699,162 2,543 SH   SOLE 0 0 0 2,542
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   770,243 22,463 SH   SOLE 0 0 0 22,462
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   7,567,601 136,035 SH   SOLE 0 0 0 136,034
DIMENSIONAL U.S. EQUITY MARKET ETF ETF 25434V401   332,521 5,346 SH   SOLE 0 0 0 5,346
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486   735,103 34,642 SH   SOLE 0 0 0 34,642
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   3,103,586 114,905 SH   SOLE 0 0 0 114,905
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   261,806 3,977 SH   SOLE 0 0 0 3,977
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   419,794 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   1,810,664 10,372 SH   SOLE 0 0 0 10,372
VANGUARD GROWTH ETF ETF 922908736   3,993,424 10,401 SH   SOLE 0 0 0 10,401
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   289,456 11,241 SH   SOLE 0 0 0 11,241
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   7,483,150 156,748 SH   SOLE 0 0 0 156,748
CONSTELLATION ENERGY CORP COM Stock 21037T109   264,727 1,018 SH   SOLE 0 0 0 1,018
META PLATFORMS INC CL A Stock 30303M102   3,522,109 6,153 SH   SOLE 0 0 0 6,152
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   4,583,714 178,772 SH   SOLE 0 0 0 178,772
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   2,873,178 93,285 SH   SOLE 0 0 0 93,285
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   2,423,836 83,408 SH   SOLE 0 0 0 83,408
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   646,151 22,962 SH   SOLE 0 0 0 22,962
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   5,368,807 128,779 SH   SOLE 0 0 0 128,779
PALO ALTO NETWORKS INC COM Stock 697435105   273,782 801 SH   SOLE 0 0 0 801
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   775,265 30,154 SH   SOLE 0 0 0 30,154
WP CAREY INC COM REIT 92936U109   1,958,812 31,442 SH   SOLE 0 0 0 31,441
BROADCOM INC COM Stock 11135F101   1,691,354 9,805 SH   SOLE 0 0 0 9,804
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   6,996,744 141,893 SH   SOLE 0 0 0 141,893
ISHARES CORE MSCI EAFE ETF ETF 46432F842   504,507 6,464 SH   SOLE 0 0 0 6,463
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   2,021,721 65,619 SH   SOLE 0 0 0 65,619
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   378,332 4,934 SH   SOLE 0 0 0 4,934
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   431,953 1,222 SH   SOLE 0 0 0 1,222
NVIDIA CORPORATION COM Stock 67066G104   3,514,375 28,939 SH   SOLE 0 0 0 28,939
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   3,388,875 64,354 SH   SOLE 0 0 0 64,353
ABBVIE INC COM Stock 00287Y109   261,616 1,325 SH   SOLE 0 0 0 1,324
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   329,264 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,226,295 19,465 SH   SOLE 0 0 0 19,464
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   645,531 3,717 SH   SOLE 0 0 0 3,717
BLACKSTONE INC COM Stock 09260D107   687,094 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   354,089 14,272 SH   SOLE 0 0 0 14,272
ISHARES IBONDS DEC 2033 TERM CORPORATE ETF ETF 46436E130   221,311 8,383 SH   SOLE 0 0 0 8,383
QUALCOMM INC COM Stock 747525103   1,488,552 8,754 SH   SOLE 0 0 0 8,753
CISCO SYS INC COM Stock 17275R102   915,667 17,205 SH   SOLE 0 0 0 17,205
ADVANCED MICRO DEVICES INC COM Stock 007903107   1,618,485 9,864 SH   SOLE 0 0 0 9,864
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   294,570 3,355 SH   SOLE 0 0 0 3,355
ISHARES BIOTECHNOLOGY ETF ETF 464287556   208,739 1,434 SH   SOLE 0 0 0 1,433
ISHARES IBONDS DEC 2034 TERM CORPORATE ETF ETF 46438G653   203,931 7,635 SH   SOLE 0 0 0 7,635
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   266,851 1,760 SH   SOLE 0 0 0 1,760
ISHARES S&P 500 VALUE ETF ETF 464287408   544,045 2,759 SH   SOLE 0 0 0 2,759
LULULEMON ATHLETICA INC COM Stock 550021109   365,237 1,346 SH   SOLE 0 0 0 1,346
ISHARES S&P 500 GROWTH ETF ETF 464287309   525,285 5,486 SH   SOLE 0 0 0 5,486
ISHARES CORE S&P 500 ETF ETF 464287200   28,941,913 50,175 SH   SOLE 0 0 0 50,174
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   287,566 11,834 SH   SOLE 0 0 0 11,834
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   5,660,254 201,075 SH   SOLE 0 0 0 201,074
WELLS FARGO CO NEW COM Stock 949746101   241,683 4,278 SH   SOLE 0 0 0 4,278
SALESFORCE INC COM Stock 79466L302   341,910 1,249 SH   SOLE 0 0 0 1,249
LOCKHEED MARTIN CORP COM Stock 539830109   1,195,863 2,046 SH   SOLE 0 0 0 2,045
JPMORGAN CHASE & CO. COM Stock 46625H100   5,302,910 25,149 SH   SOLE 0 0 0 25,148
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   242,707 4,518 SH   SOLE 0 0 0 4,518
CHEVRON CORP NEW COM Stock 166764100   1,598,582 10,855 SH   SOLE 0 0 0 10,854
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,964,186 94,001 SH   SOLE 0 0 0 94,000
BANK AMERICA CORP COM Stock 060505104   909,096 22,911 SH   SOLE 0 0 0 22,910
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   332,940 4,752 SH   SOLE 0 0 0 4,752
WALMART INC COM Stock 931142103   224,094 2,775 SH   SOLE 0 0 0 2,775
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   403,886 1,827 SH   SOLE 0 0 0 1,826
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   935,323 19,547 SH   SOLE 0 0 0 19,546
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   702,842 5,482 SH   SOLE 0 0 0 5,482
PFIZER INC COM Stock 717081103   650,772 22,487 SH   SOLE 0 0 0 22,486
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   578,166 5,117 SH   SOLE 0 0 0 5,117
CATERPILLAR INC COM Stock 149123101   517,565 1,323 SH   SOLE 0 0 0 1,323
ALPHABET INC CAP STK CL C Stock 02079K107   565,487 3,382 SH   SOLE 0 0 0 3,382
AMGEN INC COM Stock 031162100   1,152,482 3,577 SH   SOLE 0 0 0 3,576
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,135,159 5,731 SH   SOLE 0 0 0 5,731
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   530,554 5,239 SH   SOLE 0 0 0 5,239
VANGUARD SHORT-TERM BOND ETF ETF 921937827   979,411 12,446 SH   SOLE 0 0 0 12,446
LAM RESEARCH CORP COM NEW Stock 512807306   1,869,500 2,291 SH   SOLE 0 0 0 2,290
EXXON MOBIL CORP COM Stock 30231G102   468,727 3,999 SH   SOLE 0 0 0 3,998
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   246,217 3,048 SH   SOLE 0 0 0 3,048
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   11,870,575 316,043 SH   SOLE 0 0 0 316,043
BLACKROCK INC COM Stock 09290D101   380,174 400 SH   SOLE 0 0 0 400
ISHARES CORE S&P MID-CAP ETF ETF 464287507   356,012 5,713 SH   SOLE 0 0 0 5,712
ISHARES MSCI EAFE ETF ETF 464287465   408,533 4,885 SH   SOLE 0 0 0 4,885
APPLE INC COM Stock 037833100   18,977,070 81,447 SH   SOLE 0 0 0 81,446
DISNEY WALT CO COM Stock 254687106   325,975 3,389 SH   SOLE 0 0 0 3,388