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
SPDR S&P 500 ETF TRUST ETF 78462F103   13,639,796 30,770 SH   SOLE   0 0 30,770
APPLE INC COM Stock 037833100   5,431,060 27,999 SH   SOLE   0 0 27,999
NVIDIA CORPORATION COM Stock 67066G104   4,504,317 10,648 SH   SOLE   0 0 10,648
MICROSOFT CORP COM Stock 594918104   3,976,486 11,677 SH   SOLE   0 0 11,677
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   3,193,440 136,123 SH   SOLE   0 0 136,122
AMAZON COM INC COM Stock 023135106   2,933,491 22,503 SH   SOLE   0 0 22,503
VANGUARD S&P 500 ETF ETF 922908363   2,706,376 6,645 SH   SOLE   0 0 6,645
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   2,171,234 37,610 SH   SOLE   0 0 37,610
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   2,070,322 26,197 SH   SOLE   0 0 26,196
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   1,259,641 7,981 SH   SOLE   0 0 7,981
ALPHABET INC CAP STK CL C Stock 02079K107   1,235,950 10,217 SH   SOLE   0 0 10,217
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508   1,207,872 27,960 SH   SOLE   0 0 27,960
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   1,062,806 6,113 SH   SOLE   0 0 6,113
META PLATFORMS INC CL A Stock 30303M102   1,045,468 3,643 SH   SOLE   0 0 3,643
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   1,045,108 14,378 SH   SOLE   0 0 14,377
ISHARES DOW JONES U.S. ETF ETF 464287846   1,008,119 9,306 SH   SOLE   0 0 9,306
ALPHABET INC CAP STK CL A Stock 02079K305   1,001,769 8,369 SH   SOLE   0 0 8,369
SNAP INC CL A Stock 83304A106   959,904 81,073 SH   SOLE   0 0 81,073
JPMORGAN CHASE & CO COM Stock 46625H100   944,835 6,496 SH   SOLE   0 0 6,496
NETFLIX INC COM Stock 64110L106   931,636 2,115 SH   SOLE   0 0 2,115
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   838,906 18,166 SH   SOLE   0 0 18,166
VISA INC COM CL A Stock 92826C839   832,842 3,507 SH   SOLE   0 0 3,507
MASTERCARD INCORPORATED CL A Stock 57636Q104   766,542 1,949 SH   SOLE   0 0 1,949
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   749,866 2,725 SH   SOLE   0 0 2,725
SPOTIFY TECHNOLOGY S A SHS Stock L8681T102   736,282 4,586 SH   SOLE   0 0 4,586
FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND ETF 33939L407   693,692 17,312 SH   SOLE   0 0 17,312
TESLA INC COM Stock 88160R101   688,979 2,632 SH   SOLE   0 0 2,632
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   657,448 1,928 SH   SOLE   0 0 1,928
DIMENSIONAL EMERGING MARKETS SUSTAINABILITY CORE 1 ETF ETF 25434V682   621,037 20,402 SH   SOLE   0 0 20,402
ISHARES RUSSELL 2000 ETF ETF 464287655   617,991 3,300 SH   SOLE   0 0 3,300
UNITEDHEALTH GROUP INC COM Stock 91324P102   615,700 1,281 SH   SOLE   0 0 1,281
WALMART INC COM Stock 931142103   611,745 3,892 SH   SOLE   0 0 3,892
COMCAST CORP NEW CL A Stock 20030N101   604,636 14,552 SH   SOLE   0 0 14,552
COSTCO WHSL CORP NEW COM Stock 22160K105   601,448 1,117 SH   SOLE   0 0 1,117
MCDONALDS CORP COM Stock 580135101   594,731 1,993 SH   SOLE   0 0 1,993
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   585,963 14,404 SH   SOLE   0 0 14,404
ORACLE CORP COM Stock 68389X105   570,679 4,792 SH   SOLE   0 0 4,792
PROCTER AND GAMBLE CO COM Stock 742718109   535,642 3,530 SH   SOLE   0 0 3,530
MERCK & CO INC COM Stock 58933Y105   529,308 4,587 SH   SOLE   0 0 4,587
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   517,810 1 SH   SOLE   0 0 1
DFA U.S. Small Cap ETF ETF 25434V500   515,778 9,412 SH   SOLE   0 0 9,412
JOHNSON & JOHNSON COM Stock 478160104   495,070 2,991 SH   SOLE   0 0 2,991
NOVO-NORDISK A S ADR ADR 670100205   481,444 2,975 SH   SOLE   0 0 2,975
LILLY ELI & CO COM Stock 532457108   454,442 969 SH   SOLE   0 0 969
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   451,841 9,167 SH   SOLE   0 0 9,167
BROADCOM INC COM Stock 11135F101   450,196 519 SH   SOLE   0 0 519
INVESCO QQQ TRUST SERIES I ETF 46090E103   446,998 1,210 SH   SOLE   0 0 1,210
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   445,281 1,443 SH   SOLE   0 0 1,443
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   443,514 907 SH   SOLE   0 0 907
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210   440,648 608 SH   SOLE   0 0 608
ISHARES CORE S&P MID-CAP ETF ETF 464287507   418,629 1,601 SH   SOLE   0 0 1,601
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   394,200 9,000 SH   SOLE   0 0 9,000
ISHARES MSCI EAFE ETF ETF 464287465   390,759 5,390 SH   SOLE   0 0 5,389
LAUDER ESTEE COS INC CL A Stock 518439104   387,458 1,973 SH   SOLE   0 0 1,973
APPLIED MATLS INC COM Stock 038222105   372,480 2,577 SH   SOLE   0 0 2,577
INTUIT COM Stock 461202103   369,759 807 SH   SOLE   0 0 807
PEPSICO INC COM Stock 713448108   360,623 1,947 SH   SOLE   0 0 1,947
NIKE INC CL B Stock 654106103   357,820 3,242 SH   SOLE   0 0 3,242
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   353,627 8,939 SH   SOLE   0 0 8,939
TEXAS INSTRS INC COM Stock 882508104   353,019 1,961 SH   SOLE   0 0 1,961
NOVARTIS AG SPONSORED ADR ADR 66987V109   351,066 3,479 SH   SOLE   0 0 3,479
CHEVRON CORP NEW COM Stock 166764100   350,680 2,229 SH   SOLE   0 0 2,228
EXXON MOBIL CORP COM Stock 30231G102   348,348 3,248 SH   SOLE   0 0 3,248
INTEL CORP COM Stock 458140100   346,378 10,358 SH   SOLE   0 0 10,358
CITIGROUP INC COM NEW Stock 172967424   333,744 7,249 SH   SOLE   0 0 7,249
PFIZER INC COM Stock 717081103   330,733 9,017 SH   SOLE   0 0 9,016
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   330,495 13,742 SH   SOLE   0 0 13,742
AMERICAN EXPRESS CO COM Stock 025816109   325,561 1,869 SH   SOLE   0 0 1,868
HOME DEPOT INC COM Stock 437076102   319,027 1,027 SH   SOLE   0 0 1,027
DANAHER CORPORATION COM Stock 235851102   301,680 1,257 SH   SOLE   0 0 1,257
CISCO SYS INC COM Stock 17275R102   300,972 5,817 SH   SOLE   0 0 5,817
ABRDN PHYSICAL PRECIOUS METALS BASKET SHARES ETF ETF 003263100   286,308 3,300 SH   SOLE   0 0 3,300
BHP GROUP LTD SPONSORED ADS ADR 088606108   281,762 4,722 SH   SOLE   0 0 4,722
SAP SE SPON ADR ADR 803054204   277,314 2,027 SH   SOLE   0 0 2,027
ADVANCED MICRO DEVICES INC COM Stock 007903107   274,295 2,408 SH   SOLE   0 0 2,408
SHELL PLC SPON ADS ADR 780259305   270,985 4,488 SH   SOLE   0 0 4,488
SALESFORCE INC COM Stock 79466L302   267,033 1,264 SH   SOLE   0 0 1,264
ABBOTT LABS COM Stock 002824100   264,374 2,425 SH   SOLE   0 0 2,425
SHOPIFY INC CL A Stock 82509L107   264,343 4,092 SH   SOLE   0 0 4,092
WELLS FARGO CO NEW COM Stock 949746101   262,866 6,159 SH   SOLE   0 0 6,159
BANK AMERICA CORP COM Stock 060505104   258,874 9,023 SH   SOLE   0 0 9,023
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE CO. INDEX ETF ETF 808524755   258,320 8,000 SH   SOLE   0 0 8,000
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF ETF 316092808   251,476 1,925 SH   SOLE   0 0 1,924
ASTRAZENECA PLC SPONSORED ADR ADR 046353108   246,773 3,448 SH   SOLE   0 0 3,448
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   246,517 1,842 SH   SOLE   0 0 1,842
ARES CAPITAL CORP COM CEF 04010L103   244,270 13,000 SH   SOLE   0 0 13,000
FLEXSHARES STOXX GLOBAL BROAD INFRASTRUCTURE INDEX FUND ETF 33939L795   239,779 4,579 SH   SOLE   0 0 4,579
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   236,679 3,701 SH   SOLE   0 0 3,701
TOTALENERGIES SE SPONSORED ADS ADR 89151E109   236,382 4,101 SH   SOLE   0 0 4,101
LINDE PLC SHS Stock G54950103   233,983 614 SH   SOLE   0 0 614
ABBVIE INC COM Stock 00287Y109   232,005 1,722 SH   SOLE   0 0 1,722
UNILEVER PLC SPON ADR NEW ADR 904767704   224,003 4,297 SH   SOLE   0 0 4,297
THE CIGNA GROUP COM Stock 125523100   220,832 787 SH   SOLE   0 0 787
ENTERPRISE PRODS PARTNERS L P COM Stock 293792107   215,622 8,183 SH   SOLE   0 0 8,183
DEERE & CO COM Stock 244199105   214,751 530 SH   SOLE   0 0 530
FLEXSHARES GLOBAL QUALITY REAL ESTATE INDEX FUND ETF 33939L787   214,443 4,043 SH   SOLE   0 0 4,043
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   210,442 598 SH   SOLE   0 0 598
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF ETF 46137V332   208,616 700 SH   SOLE   0 0 700
ISHARES NEW YORK MUNI BOND ETF ETF 464288323   207,075 3,888 SH   SOLE   0 0 3,888
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF ETF 46137V282   205,863 700 SH   SOLE   0 0 700
VERIZON COMMUNICATIONS INC COM Stock 92343V104   202,909 5,456 SH   SOLE   0 0 5,456
COCA COLA CO COM Stock 191216100   201,195 3,341 SH   SOLE   0 0 3,341
GOLDMAN SACHS GROUP INC COM Stock 38141G104   200,297 621 SH   SOLE   0 0 621
BANCO BILBAO VIZCAYA ARGENTARI SPONSORED ADR ADR 05946K101   141,719 18,453 SH   SOLE   0 0 18,453
VODAFONE GROUP PLC NEW SPONSORED ADR ADR 92857W308   133,396 14,116 SH   SOLE   0 0 14,116
BANCO SANTANDER S.A. ADR ADR 05964H105   112,877 30,425 SH   SOLE   0 0 30,425
HALEON PLC SPON ADS ADR 405552100   101,080 12,062 SH   SOLE   0 0 12,062
MITSUBISHI UFJ FINL GROUP INC SPONSORED ADS ADR 606822104   97,542 13,235 SH   SOLE   0 0 13,235
SUMITOMO MITSUI FINL GROUP INC SPONSORED ADR ADR 86562M209   86,146 10,017 SH   SOLE   0 0 10,017
MIZUHO FINANCIAL GROUP INC SPONSORED ADR ADR 60687Y109   63,267 20,608 SH   SOLE   0 0 20,608
LLOYDS BANKING GROUP PLC SPONSORED ADR ADR 539439109   43,091 19,587 SH   SOLE   0 0 19,587
AMBEV SA SPONSORED ADR ADR 02319V103   34,039 10,704 SH   SOLE   0 0 10,704