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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 1,296,339 21,220 SH   SOLE   0 0 21,220
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 254,216 3,914 SH   SOLE   0 0 3,914
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 BBG012R478M7 7,652,037 185,640 SH   SOLE   0 0 185,640
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 760,646 8,478 SH   SOLE   0 0 8,478
APPLE INC COM 037833100 BBG001S5N8V8 1,122,660 5,330 SH   SOLE   0 0 5,330
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 438,277 1,836 SH   SOLE   0 0 1,836
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 208,282 512 SH   SOLE   0 0 512
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 BBG001SR7MB9 225,611 1,145 SH   SOLE   0 0 1,145
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 341,096 3,515 SH   SOLE   0 0 3,515
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 372,328 438 SH   SOLE   0 0 438
CVB FINL CORP COM 126600105 BBG001SJ1SH4 1,394,578 80,892 SH   SOLE   0 0 80,892
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 20,686,926 773,922 SH   SOLE   0 0 773,922
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 519,990 20,807 SH   SOLE   0 0 20,807
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 306,204 8,520 SH   SOLE   0 0 8,520
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 8,512,160 316,377 SH   SOLE   0 0 316,377
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 244,915 5,127 SH   SOLE   0 0 5,127
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 263,209 5,599 SH   SOLE   0 0 5,599
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 2,121,013 65,789 SH   SOLE   0 0 65,789
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 681,895 11,587 SH   SOLE   0 0 11,587
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 888,866 22,634 SH   SOLE   0 0 22,634
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 19,895,426 691,293 SH   SOLE   0 0 691,293
ELI LILLY & CO COM 532457108 BBG001S5STL8 588,497 650 SH   SOLE   0 0 650
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 580,218 5,040 SH   SOLE   0 0 5,040
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 210,672 987 SH   SOLE   0 0 987
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 785,520 1,435 SH   SOLE   0 0 1,435
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 239,573 4,473 SH   SOLE   0 0 4,473
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 251,632 4,926 SH   SOLE   0 0 4,926
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 427,757 18,398 SH   SOLE   0 0 18,398
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 279,059 5,444 SH   SOLE   0 0 5,444
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,834,772 64,146 SH   SOLE   0 0 64,146
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,169,008 11,181 SH   SOLE   0 0 11,181
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 BBG00KHT04L1 253,096 5,125 SH   SOLE   0 0 5,125
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 220,213 377 SH   SOLE   0 0 377
MICROSOFT CORP COM 594918104 BBG001S5TD05 438,531 981 SH   SOLE   0 0 981
PARSONS CORP DEL COM 70202L102 BBG001SDWJQ3 386,061 4,719 SH   SOLE   0 0 4,719
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 253,584 4,871 SH   SOLE   0 0 4,871
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,277,767 59,286 SH   SOLE   0 0 59,286
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 346,123 9,728 SH   SOLE   0 0 9,728
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,363,103 53,493 SH   SOLE   0 0 53,493
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 339,497 5,284 SH   SOLE   0 0 5,284
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 944,754 26,931 SH   SOLE   0 0 26,931
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 389,890 12,284 SH   SOLE   0 0 12,284
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 834,982 1,534 SH   SOLE   0 0 1,534
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 244,698 8,733 SH   SOLE   0 0 8,733
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,552,923 23,405 SH   SOLE   0 0 23,405
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 844,140 20,326 SH   SOLE   0 0 20,326
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,205,193 45,244 SH   SOLE   0 0 45,244
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 482,235 6,158 SH   SOLE   0 0 6,158
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 260,567 521 SH   SOLE   0 0 521
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 83,151,739 310,836 SH   SOLE   0 0 310,836
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,048,873 23,969 SH   SOLE   0 0 23,969
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 452,293 9,026 SH   SOLE   0 0 9,026
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 8,800,509 151,133 SH   SOLE   0 0 151,133
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 9,595,432 120,048 SH   SOLE   0 0 120,048
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,551,887 84,786 SH   SOLE   0 0 84,786
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 672,675 3,685 SH   SOLE   0 0 3,685
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 35,391,801 716,143 SH   SOLE   0 0 716,143
WALMART INC COM 931142103 BBG001S5XH92 390,212 5,763 SH   SOLE   0 0 5,763