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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
CHUBB LIMITED COM H1467J104   279,854 1,237 SH   SOLE   0 0 1,237
UBS GROUP AG SHS H42097107   319,815 10,350 SH   SOLE   0 0 10,350
ASML HOLDING N V N Y REGISTRY SHS N07059210   261,894 346 SH   SOLE   0 0 346
ABBVIE INC COM 00287Y109   358,136 2,311 SH   SOLE   0 0 2,311
ADOBE INC COM 00724F101   637,169 1,068 SH   SOLE   0 0 1,068
ALPHABET INC CAP STK CL C 02079K107   428,152 3,038 SH   SOLE   0 0 3,038
ALPHABET INC CAP STK CL A 02079K305   1,018,340 7,290 SH   SOLE   0 0 7,290
AMAZON COM INC COM 023135106   2,342,437 15,416 SH   SOLE   0 0 15,416
AMBEV SA SPONSORED ADR 02319V103   53,410 19,075 SH   SOLE   0 0 19,075
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   220,848 4,084 SH   SOLE   0 0 4,084
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   755,031 11,659 SH   SOLE   0 0 11,659
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   998,454 17,286 SH   SOLE   0 0 17,286
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   372,836 8,609 SH   SOLE   0 0 8,609
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   403,719 7,842 SH   SOLE   0 0 7,842
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   283,817 6,785 SH   SOLE   0 0 6,785
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,035,239 160,228 SH   SOLE   0 0 160,228
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   44,128,510 730,242 SH   SOLE   0 0 730,242
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   17,256,156 276,143 SH   SOLE   0 0 276,143
AMERICAN CENTY ETF TR US SML CP VALU 025072877   41,116,079 457,863 SH   SOLE   0 0 457,863
AMERICAN CENTY ETF TR US EQT ETF 025072885   47,238,821 579,262 SH   SOLE   0 0 579,262
ANALOG DEVICES INC COM 032654105   207,694 1,046 SH   SOLE   0 0 1,046
APPLE INC COM 037833100   17,989,846 93,440 SH   SOLE   0 0 93,440
AQUA METALS INC COM 03837J101   15,200 20,000 SH   SOLE   0 0 20,000
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   183,138 20,103 SH   SOLE   0 0 20,103
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   359,513 1,008 SH   SOLE   0 0 1,008
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   95,105 17,612 SH   SOLE   0 0 17,612
BRIGHTCOVE INC COM 10921T101   27,301 10,541 SH   SOLE   0 0 10,541
BROADCOM INC COM 11135F101   388,455 348 SH   SOLE   0 0 348
CHEVRON CORP NEW COM 166764100   322,931 2,165 SH   SOLE   0 0 2,165
CISCO SYS INC COM 17275R102   361,877 7,163 SH   SOLE   0 0 7,163
COMCAST CORP NEW CL A 20030N101   328,831 7,499 SH   SOLE   0 0 7,499
CONOCOPHILLIPS COM 20825C104   341,478 2,942 SH   SOLE   0 0 2,942
COSTCO WHSL CORP NEW COM 22160K105   435,706 645 SH   SOLE   0 0 645
DANAHER CORPORATION COM 235851102   255,896 1,105 SH   SOLE   0 0 1,105
DEERE & CO COM 244199105   218,545 545 SH   SOLE   0 0 545
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,379,253 117,991 SH   SOLE   0 0 117,991
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,055,064 43,760 SH   SOLE   0 0 43,760
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,076,160 40,057 SH   SOLE   0 0 40,057
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   732,821 12,292 SH   SOLE   0 0 12,292
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,151,146 41,107 SH   SOLE   0 0 41,107
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,849,624 97,490 SH   SOLE   0 0 97,490
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   13,929,546 374,249 SH   SOLE   0 0 374,249
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   345,123 14,279 SH   SOLE   0 0 14,279
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   964,268 37,396 SH   SOLE   0 0 37,396
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   443,262 17,362 SH   SOLE   0 0 17,362
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,860,518 141,459 SH   SOLE   0 0 141,459
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   523,835 17,989 SH   SOLE   0 0 17,989
ELANCO ANIMAL HEALTH INC COM 28414H103   159,475 10,703 SH   SOLE   0 0 10,703
ENEL CHILE S.A. SPONSORED ADR 29278D105   87,402 26,976 SH   SOLE   0 0 26,976
EXXON MOBIL CORP COM 30231G102   953,039 9,532 SH   SOLE   0 0 9,532
META PLATFORMS INC CL A 30303M102   1,603,346 4,530 SH   SOLE   0 0 4,530
FTC SOLAR INC COM 30320C103   41,568 60,000 SH   SOLE   0 0 60,000
GILEAD SCIENCES INC COM 375558103   1,090,638 13,463 SH   SOLE   0 0 13,463
GLOBAL X FDS US INFR DEV ETF 37954Y673   311,578 9,001 SH   SOLE   0 0 9,001
HSBC HLDGS PLC SPON ADR NEW 404280406   226,335 5,583 SH   SOLE   0 0 5,583
HEWLETT PACKARD ENTERPRISE C COM 42824C109   261,013 15,344 SH   SOLE   0 0 15,344
HOME DEPOT INC COM 437076102   306,004 883 SH   SOLE   0 0 883
INTEL CORP COM 458140100   781,740 15,557 SH   SOLE   0 0 15,557
INVESCO QQQ TR UNIT SER 1 46090E103   475,294 1,160 SH   SOLE   0 0 1,160
INTUIT COM 461202103   214,386 343 SH   SOLE   0 0 343
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   284,846 12,315 SH   SOLE   0 0 12,315
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   2,886,824 127,005 SH   SOLE   0 0 127,005
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   4,443,825 195,634 SH   SOLE   0 0 195,634
ISHARES GOLD TR ISHARES NEW 464285204   439,088 11,250 SH   SOLE   0 0 11,250
ISHARES TR CORE S&P500 ETF 464287200   1,785,329 3,738 SH   SOLE   0 0 3,738
ISHARES TR ISHARES SEMICDTR 464287523   1,187,918 2,062 SH   SOLE   0 0 2,062
ISHARES TR ISHARES BIOTECH 464287556   266,945 1,965 SH   SOLE   0 0 1,965
ISHARES TR RUS 1000 ETF 464287622   240,230 916 SH   SOLE   0 0 916
ISHARES TR CORE S&P SCP ETF 464287804   281,540 2,601 SH   SOLE   0 0 2,601
ISHARES TR EAFE SML CP ETF 464288273   214,422 3,464 SH   SOLE   0 0 3,464
ISHARES TR RUS TP200 GR ETF 464289438   880,305 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   273,385 5,601 SH   SOLE   0 0 5,601
ISHARES INC MSCI EMRG CHN 46434G764   1,926,532 34,769 SH   SOLE   0 0 34,769
ISHARES TR IBONDS 25 TRM HG 46435U168   792,284 34,298 SH   SOLE   0 0 34,298
ISHARES TR IBONDS 24 TRM HG 46435U184   2,611,123 112,500 SH   SOLE   0 0 112,500
ISHARES TR US INFRASTRUC 46435U713   622,884 15,468 SH   SOLE   0 0 15,468
JPMORGAN CHASE & CO COM 46625H100   979,096 5,756 SH   SOLE   0 0 5,756
JOHNSON & JOHNSON COM 478160104   629,781 4,018 SH   SOLE   0 0 4,018
MARATHON PETE CORP COM 56585A102   229,958 1,550 SH   SOLE   0 0 1,550
MARQETA INC CLASS A COM 57142B104   3,448,539 494,060 SH   SOLE   0 0 494,060
MARRIOTT INTL INC NEW CL A 571903202   230,922 1,024 SH   SOLE   0 0 1,024
MASTERCARD INCORPORATED CL A 57636Q104   367,979 863 SH   SOLE   0 0 863
MERCK & CO INC COM 58933Y105   205,089 1,868 SH   SOLE   0 0 1,868
MICROSOFT CORP COM 594918104   3,522,429 9,367 SH   SOLE   0 0 9,367
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   161,270 46,881 SH   SOLE   0 0 46,881
NOMURA HLDGS INC SPONSORED ADR 65535H208   135,701 30,089 SH   SOLE   0 0 30,089
NOVO-NORDISK A S ADR 670100205   439,042 4,244 SH   SOLE   0 0 4,244
NVIDIA CORPORATION COM 67066G104   540,296 1,091 SH   SOLE   0 0 1,091
ORACLE CORP COM 68389X105   276,754 2,625 SH   SOLE   0 0 2,625
PEPSICO INC COM 713448108   236,296 1,381 SH   SOLE   0 0 1,381
PHILLIPS 66 COM 718546104   238,454 1,791 SH   SOLE   0 0 1,791
PORCH GROUP INC COM 733245104   448,602 145,650 SH   SOLE   0 0 145,650
PUBLIC STORAGE COM 74460D109   674,965 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   882,367 1,849 SH   SOLE   0 0 1,849
SPDR GOLD TR GOLD SHS 78463V107   442,941 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   543,541 17,114 SH   SOLE   0 0 17,114
SPDR SER TR S&P 600 SMCP VAL 78464A300   221,438 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   1,545,158 5,872 SH   SOLE   0 0 5,872
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,599,001 43,372 SH   SOLE   0 0 43,372
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,632,511 66,084 SH   SOLE   0 0 66,084
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   247,843 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   502,688 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   337,577 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   228,856 6,192 SH   SOLE   0 0 6,192
SNOWFLAKE INC CL A 833445109   3,817,019 19,181 SH   SOLE   0 0 19,181
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   197,356 20,388 SH   SOLE   0 0 20,388
TESLA INC COM 88160R101   1,089,088 4,383 SH   SOLE   0 0 4,383
UNITEDHEALTH GROUP INC COM 91324P102   355,460 675 SH   SOLE   0 0 675
VALVOLINE INC COM 92047W101   237,280 6,314 SH   SOLE   0 0 6,314
VANGUARD STAR FDS VG TL INTL STK F 921909768   447,799 7,726 SH   SOLE   0 0 7,726
VANGUARD BD INDEX FDS INTERMED TERM 921937819   332,940 4,359 SH   SOLE   0 0 4,359
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   588,422 2,347 SH   SOLE   0 0 2,347
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   647,262 11,529 SH   SOLE   0 0 11,529
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   306,206 7,450 SH   SOLE   0 0 7,450
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,837,058 8,785 SH   SOLE   0 0 8,785
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   502,415 5,686 SH   SOLE   0 0 5,686
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,915,462 16,200 SH   SOLE   0 0 16,200
VANGUARD INDEX FDS GROWTH ETF 922908736   251,191 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS SMALL CP ETF 922908751   967,878 4,537 SH   SOLE   0 0 4,537
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,914,558 12,286 SH   SOLE   0 0 12,286
VISA INC COM CL A 92826C839   1,243,884 4,778 SH   SOLE   0 0 4,778