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
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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
AMAZON COM INC COM Stock 023135106   1,733,453 8,970 SH   SOLE 0 0 0 8,970
INVESCO QQQ TRUST SERIES I ETF 46090E103   481,602 1,005 SH   SOLE 0 0 0 1,005
STARBUCKS CORP COM Stock 855244109   261,517 3,359 SH   SOLE 0 0 0 3,359
JOHNSON & JOHNSON COM Stock 478160104   927,972 6,349 SH   SOLE 0 0 0 6,349
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,243,922 4,650 SH   SOLE 0 0 0 4,650
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   233,687 3,410 SH   SOLE 0 0 0 3,410
COSTCO WHSL CORP NEW COM Stock 22160K105   441,671 520 SH   SOLE 0 0 0 519
YUM BRANDS INC COM Stock 988498101   307,970 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   287,101 1,741 SH   SOLE 0 0 0 1,740
VANGUARD REAL ESTATE ETF ETF 922908553   1,446,616 17,271 SH   SOLE 0 0 0 17,270
INTEL CORP COM Stock 458140100   403,111 13,016 SH   SOLE 0 0 0 13,016
NETFLIX INC COM Stock 64110L106   492,662 730 SH   SOLE 0 0 0 730
MERCK & CO INC COM Stock 58933Y105   348,126 2,812 SH   SOLE 0 0 0 2,812
SPDR S&P 500 ETF TRUST ETF 78462F103   640,984 1,178 SH   SOLE 0 0 0 1,177
ISHARES TIPS BOND ETF ETF 464287176   226,264 2,119 SH   SOLE 0 0 0 2,118
ISHARES COHEN & STEERS REIT ETF ETF 464287564   236,035 4,120 SH   SOLE 0 0 0 4,120
FEDEX CORP COM Stock 31428X106   277,052 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   868,122 2,522 SH   SOLE 0 0 0 2,521
SPDR GOLD SHARES ETF 78463V107   1,224,912 5,697 SH   SOLE 0 0 0 5,697
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   1,062,124 22,384 SH   SOLE 0 0 0 22,384
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,630,471 25,934 SH   SOLE 0 0 0 25,934
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   9,433,174 245,528 SH   SOLE 0 0 0 245,527
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   6,521,927 101,509 SH   SOLE 0 0 0 101,508
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   859,804 11,228 SH   SOLE 0 0 0 11,227
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   6,657,498 131,910 SH   SOLE 0 0 0 131,910
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   573,028 19,294 SH   SOLE 0 0 0 19,293
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   682,322 6,397 SH   SOLE 0 0 0 6,397
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9   226,527 9,546 SH   SOLE 0 0 0 9,546
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,295,894 8,102 SH   SOLE 0 0 0 8,102
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   405,635 15,272 SH   SOLE 0 0 0 15,272
ADOBE INC COM Stock 00724F101   400,544 721 SH   SOLE 0 0 0 721
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   10,967,146 141,924 SH   SOLE 0 0 0 141,923
ALPHABET INC CAP STK CL A Stock 02079K305   4,145,507 22,759 SH   SOLE 0 0 0 22,758
INTUIT COM Stock 461202103   366,723 558 SH   SOLE 0 0 0 558
MICROSOFT CORP COM Stock 594918104   6,758,872 15,122 SH   SOLE 0 0 0 15,122
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,519,495 32,968 SH   SOLE 0 0 0 32,968
BOEING CO COM Stock 097023105   288,518 1,585 SH   SOLE 0 0 0 1,585
VANGUARD SMALL-CAP ETF ETF 922908751   2,960,131 13,576 SH   SOLE 0 0 0 13,576
VANGUARD MID-CAP ETF ETF 922908629   3,589,017 14,825 SH   SOLE 0 0 0 14,824
VANGUARD LARGE-CAP ETF ETF 922908637   4,858,575 19,464 SH   SOLE 0 0 0 19,463
TESLA INC COM Stock 88160R101   4,929,982 24,914 SH   SOLE 0 0 0 24,914
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   672,676 13,256 SH   SOLE 0 0 0 13,256
VANGUARD HEALTH CARE ETF ETF 92204A504   855,937 3,218 SH   SOLE 0 0 0 3,217
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   213,665 5,197 SH   SOLE 0 0 0 5,197
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,153,944 15,577 SH   SOLE 0 0 0 15,577
SCHWAB US TIPS ETF ETF 808524870   583,656 11,222 SH   SOLE 0 0 0 11,222
VANGUARD S&P 500 ETF ETF 922908363   4,326,749 8,651 SH   SOLE 0 0 0 8,651
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,543,171 62,686 SH   SOLE 0 0 0 62,686
SCHWAB U.S. REIT ETF ETF 808524847   900,003 45,068 SH   SOLE 0 0 0 45,067
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   1,030,793 11,489 SH   SOLE 0 0 0 11,489
SCHWAB U.S. MID-CAP ETF ETF 808524508   7,811,953 100,372 SH   SOLE 0 0 0 100,372
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   292,692 12,911 SH   SOLE 0 0 0 12,911
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,375,576 21,179 SH   SOLE 0 0 0 21,179
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,906,415 64,783 SH   SOLE 0 0 0 64,783
ISHARES RUSSELL 2000 ETF ETF 464287655   1,078,563 5,316 SH   SOLE 0 0 0 5,316
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   398,663 6,138 SH   SOLE 0 0 0 6,138
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   517,447 24,339 SH   SOLE 0 0 0 24,339
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,524,600 8,353 SH   SOLE 0 0 0 8,353
SPDR BLOOMBERG 3-12 MONTH T-BILL ETF ETF 78468R523   207,087 2,084 SH   SOLE 0 0 0 2,084
REGENERON PHARMACEUTICALS COM Stock 75886F107   403,596 384 SH   SOLE 0 0 0 384
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   477,450 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   27,076 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,686,388 65,187 SH   SOLE 0 0 0 65,187
SCHWAB US AGGREGATE BOND ETF ETF 808524839   911,245 19,992 SH   SOLE 0 0 0 19,992
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   3,247,473 41,763 SH   SOLE 0 0 0 41,762
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   204,240 9,381 SH   SOLE 0 0 0 9,381
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   786,724 15,887 SH   SOLE 0 0 0 15,887
VISA INC COM CL A Stock 92826C839   630,664 2,403 SH   SOLE 0 0 0 2,402
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   665,256 20,634 SH   SOLE 0 0 0 20,634
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   7,095,881 136,801 SH   SOLE 0 0 0 136,801
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   325,264 5,527 SH   SOLE 0 0 0 5,527
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486   702,886 34,642 SH   SOLE 0 0 0 34,642
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,812,388 110,637 SH   SOLE 0 0 0 110,636
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   283,785 4,516 SH   SOLE 0 0 0 4,516
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   412,996 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   1,510,770 9,418 SH   SOLE 0 0 0 9,418
VANGUARD GROWTH ETF ETF 922908736   4,090,867 10,938 SH   SOLE 0 0 0 10,937
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   280,688 11,241 SH   SOLE 0 0 0 11,241
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   5,603,105 119,215 SH   SOLE 0 0 0 119,215
META PLATFORMS INC CL A Stock 30303M102   3,189,485 6,326 SH   SOLE 0 0 0 6,325
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,781,376 171,103 SH   SOLE 0 0 0 171,103
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   2,042,027 70,953 SH   SOLE 0 0 0 70,953
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   2,010,369 74,721 SH   SOLE 0 0 0 74,721
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   603,671 22,962 SH   SOLE 0 0 0 22,962
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   5,088,036 129,565 SH   SOLE 0 0 0 129,565
PALO ALTO NETWORKS INC COM Stock 697435105   240,697 710 SH   SOLE 0 0 0 710
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   639,531 26,040 SH   SOLE 0 0 0 26,039
WP CAREY INC COM REIT 92936U109   1,797,724 32,656 SH   SOLE 0 0 0 32,656
BROADCOM INC COM Stock 11135F101   1,726,289 1,075 SH   SOLE 0 0 0 1,075
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   6,785,941 139,801 SH   SOLE 0 0 0 139,801
ISHARES CORE MSCI EAFE ETF ETF 46432F842   462,564 6,368 SH   SOLE 0 0 0 6,367
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   1,290,542 44,640 SH   SOLE 0 0 0 44,640
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   349,480 4,934 SH   SOLE 0 0 0 4,934
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   352,259 1,161 SH   SOLE 0 0 0 1,161
NVIDIA CORPORATION COM Stock 67066G104   3,614,927 29,261 SH   SOLE 0 0 0 29,261
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   3,027,816 59,091 SH   SOLE 0 0 0 59,090
ABBVIE INC COM Stock 00287Y109   226,986 1,323 SH   SOLE 0 0 0 1,323
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   306,076 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,193,416 20,352 SH   SOLE 0 0 0 20,351
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   621,371 3,575 SH   SOLE 0 0 0 3,575
BLACKSTONE INC COM Stock 09260D107   555,491 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   380,338 14,640 SH   SOLE 0 0 0 14,640
QUALCOMM INC COM Stock 747525103   1,818,410 9,129 SH   SOLE 0 0 0 9,129
CISCO SYS INC COM Stock 17275R102   828,073 17,429 SH   SOLE 0 0 0 17,429
ADVANCED MICRO DEVICES INC COM Stock 007903107   1,568,084 9,667 SH   SOLE 0 0 0 9,667
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   312,706 3,431 SH   SOLE 0 0 0 3,430
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   264,880 1,760 SH   SOLE 0 0 0 1,760
ISHARES S&P 500 VALUE ETF ETF 464287408   502,145 2,759 SH   SOLE 0 0 0 2,758
LULULEMON ATHLETICA INC COM Stock 550021109   436,102 1,460 SH   SOLE 0 0 0 1,460
ISHARES S&P 500 GROWTH ETF ETF 464287309   507,674 5,486 SH   SOLE 0 0 0 5,486
ISHARES CORE S&P 500 ETF ETF 464287200   27,465,603 50,190 SH   SOLE 0 0 0 50,190
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   281,886 11,834 SH   SOLE 0 0 0 11,834
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   4,987,828 186,600 SH   SOLE 0 0 0 186,600
WELLS FARGO CO NEW COM Stock 949746101   252,979 4,260 SH   SOLE 0 0 0 4,259
SALESFORCE INC COM Stock 79466L302   308,796 1,201 SH   SOLE 0 0 0 1,201
LOCKHEED MARTIN CORP COM Stock 539830109   936,997 2,006 SH   SOLE 0 0 0 2,005
JPMORGAN CHASE & CO. COM Stock 46625H100   5,152,665 25,475 SH   SOLE 0 0 0 25,475
CHEVRON CORP NEW COM Stock 166764100   1,805,405 11,542 SH   SOLE 0 0 0 11,542
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,665,718 94,410 SH   SOLE 0 0 0 94,409
BANK AMERICA CORP COM Stock 060505104   896,119 22,533 SH   SOLE 0 0 0 22,532
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   315,289 4,752 SH   SOLE 0 0 0 4,751
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   315,267 1,823 SH   SOLE 0 0 0 1,822
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   859,672 19,645 SH   SOLE 0 0 0 19,645
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   663,963 5,598 SH   SOLE 0 0 0 5,598
PFIZER INC COM Stock 717081103   628,536 22,464 SH   SOLE 0 0 0 22,463
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   542,247 5,062 SH   SOLE 0 0 0 5,062
CATERPILLAR INC COM Stock 149123101   457,978 1,375 SH   SOLE 0 0 0 1,374
ALPHABET INC CAP STK CL C Stock 02079K107   653,108 3,561 SH   SOLE 0 0 0 3,560
AMGEN INC COM Stock 031162100   1,114,988 3,569 SH   SOLE 0 0 0 3,568
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,046,595 5,733 SH   SOLE 0 0 0 5,733
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   498,940 5,140 SH   SOLE 0 0 0 5,140
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,012,725 13,204 SH   SOLE 0 0 0 13,203
LAM RESEARCH CORP COM Stock 512807108   2,588,178 2,431 SH   SOLE 0 0 0 2,430
EXXON MOBIL CORP COM Stock 30231G102   445,607 3,871 SH   SOLE 0 0 0 3,870
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   10,236,905 291,816 SH   SOLE 0 0 0 291,816
BLACKROCK INC COM Stock 09247X101   303,296 385 SH   SOLE 0 0 0 385
ISHARES CORE S&P MID-CAP ETF ETF 464287507   334,304 5,713 SH   SOLE 0 0 0 5,712
ISHARES MSCI EAFE ETF ETF 464287465   382,642 4,885 SH   SOLE 0 0 0 4,885
APPLE INC COM Stock 037833100   17,980,969 85,372 SH   SOLE 0 0 0 85,371
DISNEY WALT CO COM Stock 254687106   376,838 3,795 SH   SOLE 0 0 0 3,795