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
ISHARES TR S&P 500 VAL ETF 464287408   834,311 4,371 SH   SOLE   0 0 4,371
ISHARES TR RUS 1000 GRW ETF 464287614   2,046,016 5,095 SH   SOLE   0 0 5,095
ISHARES TR MBS ETF 464288588   8,155,649 88,958 SH   SOLE   0 0 88,958
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,172,868 19,903 SH   SOLE   0 0 19,903
EXXON MOBIL CORP COM 30231G102   481,268 4,474 SH   SOLE   0 0 4,474
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   403,190 1,734 SH   SOLE   0 0 1,734
MICROSOFT CORP COM 594918104   1,159,008 2,750 SH   SOLE   0 0 2,750
ALPHABET INC CAP STK CL C 02079K107   1,638,165 8,602 SH   SOLE   0 0 8,602
ISHARES TR CORE S&P US GWT 464287671   209,582 1,504 SH   SOLE   0 0 1,504
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,240,480 17,560 SH   SOLE   0 0 17,560
ISHARES TR CORE S&P500 ETF 464287200   813,122 1,381 SH   SOLE   0 0 1,381
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,287,337 301,711 SH   SOLE   0 0 301,711
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,423,808 98,077 SH   SOLE   0 0 98,077
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,056,920 6,744 SH   SOLE   0 0 6,744
KINDER MORGAN INC DEL COM 49456B101   410,644 14,987 SH   SOLE   0 0 14,987
ISHARES TR MSCI EAFE MIN VL 46429B689   347,159 4,910 SH   SOLE   0 0 4,910
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,549,636 55,923 SH   SOLE   0 0 55,923
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   671,742 13,400 SH   SOLE   0 0 13,400
ONEOK INC NEW COM 682680103   1,132,010 11,275 SH   SOLE   0 0 11,275
ISHARES TR ULTRA SHORT-TERM 46434V878   217,807 4,319 SH   SOLE   0 0 4,319
WALMART INC COM 931142103   287,770 3,185 SH   SOLE   0 0 3,185
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,757,369 65,992 SH   SOLE   0 0 65,992
PHILIP MORRIS INTL INC COM 718172109   239,858 1,993 SH   SOLE   0 0 1,993
ALTRIA GROUP INC COM 02209S103   243,253 4,652 SH   SOLE   0 0 4,652
VERIZON COMMUNICATIONS INC COM 92343V104   223,744 5,595 SH   SOLE   0 0 5,595
STELLANTIS N.V SHS N82405106   134,546 10,310 SH   SOLE   0 0 10,310
ISHARES TR CORE US AGGBD ET 464287226   10,778,087 111,229 SH   SOLE   0 0 111,229
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,770,490 10,272 SH   SOLE   0 0 10,272
AMAZON COM INC COM 023135106   454,137 2,070 SH   SOLE   0 0 2,070
COSTCO WHSL CORP NEW COM 22160K105   293,206 320 SH   SOLE   0 0 320
NVIDIA CORPORATION COM 67066G104   566,704 4,220 SH   SOLE   0 0 4,220
BOEING CO COM 097023105   268,322 1,516 SH   SOLE   0 0 1,516
VANGUARD INDEX FDS GROWTH ETF 922908736   29,798,843 72,602 SH   SOLE   0 0 72,602
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   436,925 2,231 SH   SOLE   0 0 2,231
ISHARES TR EXPND TEC SC ETF 464287549   222,046 2,175 SH   SOLE   0 0 2,175
ABBVIE INC COM 00287Y109   2,766,611 15,569 SH   SOLE   0 0 15,569
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   210,983 5,809 SH   SOLE   0 0 5,809
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   326,954 3,576 SH   SOLE   0 0 3,576
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   222,076 2,573 SH   SOLE   0 0 2,573
ISHARES INC CORE MSCI EMKT 46434G103   1,020,268 19,538 SH   SOLE   0 0 19,538
JOHNSON & JOHNSON COM 478160104   744,407 5,147 SH   SOLE   0 0 5,147
VANGUARD INDEX FDS MID CAP ETF 922908629   30,808,761 116,642 SH   SOLE   0 0 116,642
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   35,089,500 611,209 SH   SOLE   0 0 611,209
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   551,280 24,285 SH   SOLE   0 0 24,285
AMER STATES WTR CO COM 029899101   346,048 4,452 SH   SOLE   0 0 4,452
ISHARES TR RUS 2000 VAL ETF 464287630   275,236 1,677 SH   SOLE   0 0 1,677
ISHARES TR RUSSELL 2000 ETF 464287655   231,345 1,047 SH   SOLE   0 0 1,047
ISHARES TR 0-5YR HI YL CP 46434V407   972,528 22,824 SH   SOLE   0 0 22,824
ABBOTT LABS COM 002824100   1,353,814 11,969 SH   SOLE   0 0 11,969
DBX ETF TR XTRACK MSCI EAFE 233051200   24,608,896 594,418 SH   SOLE   0 0 594,418
ISHARES TR HDG MSCI EAFE 46434V803   29,064,844 836,398 SH   SOLE   0 0 836,398
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   116,336,698 2,873,220 SH   SOLE   0 0 2,873,220
ALPHABET INC CAP STK CL A 02079K305   1,559,832 8,240 SH   SOLE   0 0 8,240
JEFFERIES FINL GROUP INC COM 47233W109   293,294 3,741 SH   SOLE   0 0 3,741
META PLATFORMS INC CL A 30303M102   408,686 698 SH   SOLE   0 0 698
ISHARES TR S&P 500 GRWT ETF 464287309   1,426,014 14,045 SH   SOLE   0 0 14,045
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,953,209 6,745 SH   SOLE   0 0 6,745
ISHARES TR RUS 1000 ETF 464287622   681,446 2,115 SH   SOLE   0 0 2,115
QUALCOMM INC COM 747525103   1,711,682 11,142 SH   SOLE   0 0 11,142
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   177,543 20,912 SH   SOLE   0 0 20,912
ISHARES TR CORE S&P MCP ETF 464287507   1,409,030 22,613 SH   SOLE   0 0 22,613
ISHARES TR US CONSM STAPLES 464287812   467,785 7,132 SH   SOLE   0 0 7,132
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   370,400 1,460 SH   SOLE   0 0 1,460
VANGUARD WORLD FD CONSUM STP ETF 92204A207   17,035,641 80,592 SH   SOLE   0 0 80,592
AT&T INC COM 00206R102   412,592 18,120 SH   SOLE   0 0 18,120
APPLE INC COM 037833100   6,165,830 24,622 SH   SOLE   0 0 24,622
ISHARES TR MSCI EAFE ETF 464287465   7,312,027 96,707 SH   SOLE   0 0 96,707
SUMMIT THERAPEUTICS INC COM 86627T108   228,006 12,777 SH   SOLE   0 0 12,777
CATERPILLAR INC COM 149123101   511,854 1,411 SH   SOLE   0 0 1,411
INTERNATIONAL BUSINESS MACHS COM 459200101   285,559 1,299 SH   SOLE   0 0 1,299
AMERICAN WTR WKS CO INC NEW COM 030420103   256,824 2,063 SH   SOLE   0 0 2,063
BLACKSTONE INC COM 09260D107   287,769 1,669 SH   SOLE   0 0 1,669