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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
AMCOR PLC ORD G0250X107   149,963 15,769 SH   SOLE 0 0 0 15,769
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   5,922,147 92,911 SH   SOLE 0 0 0 92,911
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   12,766,023 301,940 SH   SOLE 0 0 0 301,940
APPLE INC COM 037833100   748,682 4,366 SH   SOLE 0 0 0 4,366
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   2,687,378 98,837 SH   SOLE 0 0 0 98,837
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,704,274 236,851 SH   SOLE 0 0 0 236,851
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   10,371,147 190,541 SH   SOLE 0 0 0 190,541
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   11,960,387 292,430 SH   SOLE 0 0 0 292,430
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,868,850 73,317 SH   SOLE 0 0 0 73,317
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   35,200,412 1,383,664 SH   SOLE 0 0 0 1,383,664
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   70,509,976 2,206,885 SH   SOLE 0 0 0 2,206,885
EXXON MOBIL CORP COM 30231G102   341,978 2,942 SH   SOLE 0 0 0 2,942
ISHARES TR CALIF MUN BD ETF 464288356   422,056 7,335 SH   SOLE 0 0 0 7,335
MERCK & CO INC COM 58933Y105   278,019 2,107 SH   SOLE 0 0 0 2,107
MICROSOFT CORP COM 594918104   472,048 1,122 SH   SOLE 0 0 0 1,122
ORACLE CORP COM 68389X105   15,419,381 122,756 SH   SOLE 0 0 0 122,756
PEPSICO INC COM 713448108   1,457,658 8,329 SH   SOLE 0 0 0 8,329
PROCTER AND GAMBLE CO COM 742718109   222,120 1,369 SH   SOLE 0 0 0 1,369
PROGRESSIVE CORP COM 743315103   2,895,480 14,000 SH   SOLE 0 0 0 14,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   274,454 690 SH   SOLE 0 0 0 690
SPDR S&P 500 ETF TR TR UNIT 78462F103   337,903 646 SH   SOLE 0 0 0 646
STARBUCKS CORP COM 855244109   263,112 2,879 SH   SOLE 0 0 0 2,879
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,417,532 272,770 SH   SOLE 0 0 0 272,770
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   20,618,538 266,700 SH   SOLE 0 0 0 266,700