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
ALPHABET INC CAP STK CL A 02079K305   1,153,973 6,096 SH   SOLE 0 0 0 1,153,973
ALPHABET INC CAP STK CL C 02079K107   1,029,721 5,407 SH   SOLE 0 0 0 1,029,721
AMAZON COM INC COM 023135106   4,292,365 19,565 SH   SOLE 0 0 0 4,292,365
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   216,781 3,331 SH   SOLE 0 0 0 216,781
AMERICAN CENTY ETF TR US SML CP VALU 025072877   587,824 6,090 SH   SOLE 0 0 0 587,824
ANALOG DEVICES INC COM 032654105   408,773 1,924 SH   SOLE 0 0 0 408,773
APOLLO GLOBAL MGMT INC COM 03769M106   237,005 1,435 SH   SOLE 0 0 0 237,005
APPLE INC COM 037833100   15,680,779 62,618 SH   SOLE 0 0 0 15,680,779
BANK AMERICA CORP COM 060505104   262,645 5,976 SH   SOLE 0 0 0 262,645
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   623,713 1,376 SH   SOLE 0 0 0 623,713
BROADCOM INC COM 11135F101   369,791 1,595 SH   SOLE 0 0 0 369,791
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   385,257 1,704 SH   SOLE 0 0 0 385,257
BUCKLE INC COM 118440106   263,145 5,179 SH   SOLE 0 0 0 263,145
CADENCE DESIGN SYSTEM INC COM 127387108   2,361,916 7,861 SH   SOLE 0 0 0 2,361,916
CISCO SYS INC COM 17275R102   214,126 3,617 SH   SOLE 0 0 0 214,126
COSTCO WHSL CORP NEW COM 22160K105   355,682 388 SH   SOLE 0 0 0 355,682
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   424,998 16,752 SH   SOLE 0 0 0 424,998
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   726,559 20,478 SH   SOLE 0 0 0 726,559
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   341,590 13,217 SH   SOLE 0 0 0 341,590
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,404,673 40,609 SH   SOLE 0 0 0 1,404,673
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   1,203,300 18,875 SH   SOLE 0 0 0 1,203,300
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   331,630 9,814 SH   SOLE 0 0 0 331,630
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   463,783 15,444 SH   SOLE 0 0 0 463,783
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   746,135 18,234 SH   SOLE 0 0 0 746,135
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   830,322 12,758 SH   SOLE 0 0 0 830,322
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   742,724 13,344 SH   SOLE 0 0 0 742,724
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   783,961 31,535 SH   SOLE 0 0 0 783,961
DNP SELECT INCOME FD INC COM 23325P104   104,984 11,903 SH   SOLE 0 0 0 104,984
ELI LILLY & CO COM 532457108   352,032 456 SH   SOLE 0 0 0 352,032
FISERV INC COM 337738108   221,854 1,080 SH   SOLE 0 0 0 221,854
GAP INC COM 364760108   267,633 11,326 SH   SOLE 0 0 0 267,633
HOME DEPOT INC COM 437076102   628,997 1,617 SH   SOLE 0 0 0 628,997
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   419,650 6,422 SH   SOLE 0 0 0 419,650
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   784,010 11,200 SH   SOLE 0 0 0 784,010
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   9,015,375 491,569 SH   SOLE 0 0 0 9,015,375
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   5,118,893 318,934 SH   SOLE 0 0 0 5,118,893
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 203 46139W783   1,262,192 62,438 SH   SOLE 0 0 0 1,262,192
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858   3,728,484 185,404 SH   SOLE 0 0 0 3,728,484
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411   927,983 44,337 SH   SOLE 0 0 0 927,983
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833   621,155 24,757 SH   SOLE 0 0 0 621,155
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   10,723,923 519,318 SH   SOLE 0 0 0 10,723,923
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   10,990,002 565,620 SH   SOLE 0 0 0 10,990,002
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   502,008 21,299 SH   SOLE 0 0 0 502,008
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   10,702,090 549,389 SH   SOLE 0 0 0 10,702,090
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   530,010 22,458 SH   SOLE 0 0 0 530,010
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   749,986 32,147 SH   SOLE 0 0 0 749,986
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   804,016 35,049 SH   SOLE 0 0 0 804,016
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825   3,050,516 147,940 SH   SOLE 0 0 0 3,050,516
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445   905,904 41,708 SH   SOLE 0 0 0 905,904
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   7,009,764 428,208 SH   SOLE 0 0 0 7,009,764
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   11,071,964 550,023 SH   SOLE 0 0 0 11,071,964
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   241,715 2,679 SH   SOLE 0 0 0 241,715
INVESCO QQQ TR UNIT SER 1 46090E103   2,980,815 5,831 SH   SOLE 0 0 0 2,980,815
ISHARES INC CORE MSCI EMKT 46434G103   451,557 8,647 SH   SOLE 0 0 0 451,557
ISHARES TR CALIF MUN BD ETF 464288356   1,410,674 24,628 SH   SOLE 0 0 0 1,410,674
ISHARES TR CONV BD ETF 46435G102   277,342 3,264 SH   SOLE 0 0 0 277,342
ISHARES TR CORE INTL AGGR 46435G672   839,305 16,813 SH   SOLE 0 0 0 839,305
ISHARES TR CORE MSCI EAFE 46432F842   1,156,598 16,457 SH   SOLE 0 0 0 1,156,598
ISHARES TR CORE MSCI TOTAL 46432F834   1,269,113 19,188 SH   SOLE 0 0 0 1,269,113
ISHARES TR CORE S&P SCP ETF 464287804   279,278 2,424 SH   SOLE 0 0 0 279,278
ISHARES TR CORE S&P TTL STK 464287150   2,915,766 22,670 SH   SOLE 0 0 0 2,915,766
ISHARES TR CORE S&P500 ETF 464287200   2,051,948 3,486 SH   SOLE 0 0 0 2,051,948
ISHARES TR CORE US AGGBD ET 464287226   1,042,430 10,758 SH   SOLE 0 0 0 1,042,430
ISHARES TR EXPANDED TECH 464287515   279,835 2,795 SH   SOLE 0 0 0 279,835
ISHARES TR MBS ETF 464288588   330,048 3,600 SH   SOLE 0 0 0 330,048
ISHARES TR MSCI EMG MKT ETF 464287234   263,394 6,298 SH   SOLE 0 0 0 263,394
ISHARES TR MSCI USA MMENTM 46432F396   231,395 1,118 SH   SOLE 0 0 0 231,395
ISHARES TR MSCI USA QLT FCT 46432F339   333,544 1,873 SH   SOLE 0 0 0 333,544
ISHARES TR NATIONAL MUN ETF 464288414   597,073 5,604 SH   SOLE 0 0 0 597,073
ISHARES TR RUS 1000 ETF 464287622   233,244 724 SH   SOLE 0 0 0 233,244
ISHARES TR RUS 2000 VAL ETF 464287630   225,125 1,371 SH   SOLE 0 0 0 225,125
ISHARES TR RUSSELL 2000 ETF 464287655   293,214 1,327 SH   SOLE 0 0 0 293,214
ISHARES TR S&P 500 VAL ETF 464287408   262,842 1,377 SH   SOLE 0 0 0 262,842
ISHARES TR SHORT TREAS BD 464288679   276,864 2,514 SH   SOLE 0 0 0 276,864
ISHARES TR U.S. REAL ES ETF 464287739   327,106 3,515 SH   SOLE 0 0 0 327,106
JOHNSON & JOHNSON COM 478160104   802,479 5,549 SH   SOLE 0 0 0 802,479
JPMORGAN CHASE & CO. COM 46625H100   422,609 1,763 SH   SOLE 0 0 0 422,609
MASTERCARD INCORPORATED CL A 57636Q104   2,573,348 4,887 SH   SOLE 0 0 0 2,573,348
META PLATFORMS INC CL A 30303M102   1,094,318 1,869 SH   SOLE 0 0 0 1,094,318
MICROSOFT CORP COM 594918104   4,065,259 9,645 SH   SOLE 0 0 0 4,065,259
NETFLIX INC COM 64110L106   777,231 872 SH   SOLE 0 0 0 777,231
NUVEEN QUALITY MUNCP INCOME COM 67066V101   180,730 15,500 SH   SOLE 0 0 0 180,730
NVIDIA CORPORATION COM 67066G104   1,542,218 11,484 SH   SOLE 0 0 0 1,542,218
ON SEMICONDUCTOR CORP COM 682189105   756,663 12,001 SH   SOLE 0 0 0 756,663
ORACLE CORP COM 68389X105   236,462 1,419 SH   SOLE 0 0 0 236,462
PROCTER AND GAMBLE CO COM 742718109   282,466 1,685 SH   SOLE 0 0 0 282,466
SALESFORCE INC COM 79466L302   276,805 828 SH   SOLE 0 0 0 276,805
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,284,678 69,442 SH   SOLE 0 0 0 1,284,678
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,463,075 64,453 SH   SOLE 0 0 0 1,463,075
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   407,870 14,635 SH   SOLE 0 0 0 407,870
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   205,036 7,865 SH   SOLE 0 0 0 205,036
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   245,774 1,057 SH   SOLE 0 0 0 245,774
SPDR GOLD TR GOLD SHS 78463V107   384,502 1,588 SH   SOLE 0 0 0 384,502
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   309,081 9,056 SH   SOLE 0 0 0 309,081
SPDR S&P 500 ETF TR TR UNIT 78462F103   362,093 618 SH   SOLE 0 0 0 362,093
SPDR SER TR PORTFLI INTRMDIT 78464A672   321,150 11,519 SH   SOLE 0 0 0 321,150
SPDR SER TR PORTFOLIO LN TSR 78464A664   319,308 12,192 SH   SOLE 0 0 0 319,308
SPDR SER TR PORTFOLIO SH TSR 78468R101   689,481 23,767 SH   SOLE 0 0 0 689,481
SPDR SER TR PRTFLO S&P500 GW 78464A409   233,199 2,653 SH   SOLE 0 0 0 233,199
SYNOPSYS INC COM 871607107   244,621 504 SH   SOLE 0 0 0 244,621
TESLA INC COM 88160R101   1,375,075 3,405 SH   SOLE 0 0 0 1,375,075
UNITEDHEALTH GROUP INC COM 91324P102   291,689 577 SH   SOLE 0 0 0 291,689
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,159,000 162,706 SH   SOLE 0 0 0 12,159,000
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   10,303,677 150,573 SH   SOLE 0 0 0 10,303,677
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   24,232,008 313,602 SH   SOLE 0 0 0 24,232,008
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,800,666 25,041 SH   SOLE 0 0 0 1,800,666
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   25,007,711 509,841 SH   SOLE 0 0 0 25,007,711
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   564,811 2,973 SH   SOLE 0 0 0 564,811
VANGUARD INDEX FDS GROWTH ETF 922908736   64,630,231 157,466 SH   SOLE 0 0 0 64,630,231
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   251,089 1,552 SH   SOLE 0 0 0 251,089
VANGUARD INDEX FDS MID CAP ETF 922908629   533,905 2,021 SH   SOLE 0 0 0 533,905
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   390,282 4,381 SH   SOLE 0 0 0 390,282
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,710,881 5,031 SH   SOLE 0 0 0 2,710,881
VANGUARD INDEX FDS SM CP VAL ETF 922908611   210,351 1,061 SH   SOLE 0 0 0 210,351
VANGUARD INDEX FDS SMALL CP ETF 922908751   23,194,738 96,532 SH   SOLE 0 0 0 23,194,738
VANGUARD INDEX FDS SML CP GRW ETF 922908595   203,913 728 SH   SOLE 0 0 0 203,913
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,110,998 55,592 SH   SOLE 0 0 0 16,110,998
VANGUARD INDEX FDS VALUE ETF 922908744   54,978,316 324,739 SH   SOLE 0 0 0 54,978,316
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,356,983 58,474 SH   SOLE 0 0 0 3,356,983
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   29,092,644 660,596 SH   SOLE 0 0 0 29,092,644
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   346,918 2,953 SH   SOLE 0 0 0 346,918
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,176,479 222,950 SH   SOLE 0 0 0 11,176,479
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   538,822 6,713 SH   SOLE 0 0 0 538,822
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   10,416,789 229,748 SH   SOLE 0 0 0 10,416,789
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   232,778 4,001 SH   SOLE 0 0 0 232,778
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   687,103 3,509 SH   SOLE 0 0 0 687,103
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,814,429 30,790 SH   SOLE 0 0 0 1,814,429
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   76,986,352 1,609,920 SH   SOLE 0 0 0 76,986,352
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   803,092 6,150 SH   SOLE 0 0 0 803,092
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   294,751 2,310 SH   SOLE 0 0 0 294,751
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   219,234 2,741 SH   SOLE 0 0 0 219,234
VANGUARD WORLD FD CONSUM STP ETF 92204A207   283,883 1,343 SH   SOLE 0 0 0 283,883
VANGUARD WORLD FD ESG INTL STK ETF 921910725   282,082 4,975 SH   SOLE 0 0 0 282,082
VANGUARD WORLD FD ESG US STK ETF 921910733   324,081 3,090 SH   SOLE 0 0 0 324,081
VANGUARD WORLD FD INF TECH ETF 92204A702   207,681 334 SH   SOLE 0 0 0 207,681
VISA INC COM CL A 92826C839   3,761,635 11,902 SH   SOLE 0 0 0 3,761,635
WALMART INC COM 931142103   281,692 3,118 SH   SOLE 0 0 0 281,692
WILLIAMS SONOMA INC COM 969904101   260,363 1,406 SH   SOLE 0 0 0 260,363