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
UBS GROUP AG SHS H42097107   284,553 9,385 SH   SOLE   0 0 9,385
ASML HOLDING N V N Y REGISTRY SHS N07059210   494,859 714 SH   SOLE   0 0 714
AT&T INC COM 00206R102   522,861 22,963 SH   SOLE   0 0 22,963
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   105,332 10,460 SH   SOLE   0 0 10,460
ABBVIE INC COM 00287Y109   345,271 1,943 SH   SOLE   0 0 1,943
ABRDN ETFS BBRG ALL COMD K1 003261104   611,976 30,986 SH   SOLE   0 0 30,986
ADOBE INC COM 00724F101   542,065 1,219 SH   SOLE   0 0 1,219
AGILENT TECHNOLOGIES INC COM 00846U101   405,572 3,019 SH   SOLE   0 0 3,019
ALPHABET INC CAP STK CL C 02079K107   2,721,126 14,289 SH   SOLE   0 0 14,289
ALPHABET INC CAP STK CL A 02079K305   2,660,460 14,054 SH   SOLE   0 0 14,054
AMAZON COM INC COM 023135106   3,932,192 17,923 SH   SOLE   0 0 17,923
AMBEV SA SPONSORED ADR 02319V103   21,323 11,526 SH   SOLE   0 0 11,526
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   206,231 3,547 SH   SOLE   0 0 3,547
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190   556,179 10,731 SH   SOLE   0 0 10,731
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   1,782,623 24,632 SH   SOLE   0 0 24,632
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   208,283 3,150 SH   SOLE   0 0 3,150
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   1,055,563 19,418 SH   SOLE   0 0 19,418
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   2,621,263 39,258 SH   SOLE   0 0 39,258
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   784,661 18,718 SH   SOLE   0 0 18,718
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   2,194,999 42,293 SH   SOLE   0 0 42,293
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   463,182 10,026 SH   SOLE   0 0 10,026
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,526,399 162,041 SH   SOLE   0 0 162,041
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   4,290,922 92,998 SH   SOLE   0 0 92,998
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   46,086,648 750,964 SH   SOLE   0 0 750,964
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   18,603,261 285,852 SH   SOLE   0 0 285,852
AMERICAN CENTY ETF TR US SML CP VALU 025072877   44,683,205 462,894 SH   SOLE   0 0 462,894
AMERICAN CENTY ETF TR US EQT ETF 025072885   59,489,147 613,733 SH   SOLE   0 0 613,733
ANALOG DEVICES INC COM 032654105   297,019 1,398 SH   SOLE   0 0 1,398
APPLE INC COM 037833100   23,350,243 93,244 SH   SOLE   0 0 93,244
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   173,288 17,828 SH   SOLE   0 0 17,828
BANK AMERICA CORP COM 060505104   517,634 11,778 SH   SOLE   0 0 11,778
BANK NEW YORK MELLON CORP COM 064058100   229,107 2,982 SH   SOLE   0 0 2,982
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,326,509 2,926 SH   SOLE   0 0 2,926
BLACKBERRY LTD COM 09228F103   69,930 18,500 SH   SOLE   0 0 18,500
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   81,441 14,543 SH   SOLE   0 0 14,543
BROADCOM INC COM 11135F101   373,551 1,611 SH   SOLE   0 0 1,611
CADENCE DESIGN SYSTEM INC COM 127387108   1,166,085 3,881 SH   SOLE   0 0 3,881
CATERPILLAR INC COM 149123101   244,022 673 SH   SOLE   0 0 673
CHEVRON CORP NEW COM 166764100   621,407 4,290 SH   SOLE   0 0 4,290
CISCO SYS INC COM 17275R102   580,312 9,803 SH   SOLE   0 0 9,803
CITIGROUP INC COM NEW 172967424   232,482 3,303 SH   SOLE   0 0 3,303
COCA COLA CO COM 191216100   320,785 5,152 SH   SOLE   0 0 5,152
COMCAST CORP NEW CL A 20030N101   253,937 6,766 SH   SOLE   0 0 6,766
CONOCOPHILLIPS COM 20825C104   391,622 3,949 SH   SOLE   0 0 3,949
COSTCO WHSL CORP NEW COM 22160K105   976,108 1,065 SH   SOLE   0 0 1,065
DANAHER CORPORATION COM 235851102   290,840 1,267 SH   SOLE   0 0 1,267
DEERE & CO COM 244199105   276,005 651 SH   SOLE   0 0 651
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   202,774 5,008 SH   SOLE   0 0 5,008
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,668,744 125,642 SH   SOLE   0 0 125,642
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,112,357 43,845 SH   SOLE   0 0 43,845
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   2,882,953 45,223 SH   SOLE   0 0 45,223
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   828,978 12,738 SH   SOLE   0 0 12,738
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,801,889 50,339 SH   SOLE   0 0 50,339
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   734,092 24,445 SH   SOLE   0 0 24,445
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,366,036 97,312 SH   SOLE   0 0 97,312
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,430,365 206,021 SH   SOLE   0 0 206,021
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   471,838 19,216 SH   SOLE   0 0 19,216
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   995,150 37,454 SH   SOLE   0 0 37,454
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   613,347 23,732 SH   SOLE   0 0 23,732
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,562,463 213,147 SH   SOLE   0 0 213,147
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   692,577 22,501 SH   SOLE   0 0 22,501
DOORDASH INC CL A 25809K105   245,251 1,462 SH   SOLE   0 0 1,462
EDISON INTL COM 281020107   229,141 2,870 SH   SOLE   0 0 2,870
ELECTRONIC ARTS INC COM 285512109   202,626 1,385 SH   SOLE   0 0 1,385
ENEL CHILE S.A. SPONSORED ADR 29278D105   50,780 17,632 SH   SOLE   0 0 17,632
EXXON MOBIL CORP COM 30231G102   1,520,501 14,135 SH   SOLE   0 0 14,135
META PLATFORMS INC CL A 30303M102   3,130,494 5,347 SH   SOLE   0 0 5,347
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   679,888 8,334 SH   SOLE   0 0 8,334
FIDELITY ETHEREUM FD SHS 31613E103   300,456 8,993 SH   SOLE   0 0 8,993
FORD MTR CO COM 345370860   192,466 19,441 SH   SOLE   0 0 19,441
GILEAD SCIENCES INC COM 375558103   731,179 7,916 SH   SOLE   0 0 7,916
GLOBAL X FDS US INFR DEV ETF 37954Y673   371,166 9,185 SH   SOLE   0 0 9,185
GLOBAL X FDS MSCI VIETNAM ETF 37960A883   214,809 14,189 SH   SOLE   0 0 14,189
GOLDMAN SACHS GROUP INC COM 38141G104   261,711 457 SH   SOLE   0 0 457
GRAINGER W W INC COM 384802104   216,080 205 SH   SOLE   0 0 205
HSBC HLDGS PLC SPON ADR NEW 404280406   313,230 6,333 SH   SOLE   0 0 6,333
HP INC COM 40434L105   401,490 12,304 SH   SOLE   0 0 12,304
HEWLETT PACKARD ENTERPRISE C COM 42824C109   506,358 23,717 SH   SOLE   0 0 23,717
HOME DEPOT INC COM 437076102   550,461 1,415 SH   SOLE   0 0 1,415
INTEL CORP COM 458140100   352,467 17,579 SH   SOLE   0 0 17,579
INTERNATIONAL BUSINESS MACHS COM 459200101   850,128 3,867 SH   SOLE   0 0 3,867
INVESCO QQQ TR UNIT SER 1 46090E103   1,201,657 2,351 SH   SOLE   0 0 2,351
INTUITIVE SURGICAL INC COM NEW 46120E602   256,804 492 SH   SOLE   0 0 492
INTUIT COM 461202103   216,204 344 SH   SOLE   0 0 344
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   230,670 9,770 SH   SOLE   0 0 9,770
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   1,430,922 61,479 SH   SOLE   0 0 61,479
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,890,091 168,621 SH   SOLE   0 0 168,621
ISHARES GOLD TR ISHARES NEW 464285204   556,195 11,234 SH   SOLE   0 0 11,234
ISHARES TR CORE S&P500 ETF 464287200   2,043,728 3,472 SH   SOLE   0 0 3,472
ISHARES TR CORE US AGGBD ET 464287226   1,187,955 12,260 SH   SOLE   0 0 12,260
ISHARES TR 7-10 YR TRSY BD 464287440   1,204,729 13,031 SH   SOLE   0 0 13,031
ISHARES TR ISHARES SEMICDTR 464287523   982,850 4,561 SH   SOLE   0 0 4,561
ISHARES TR ISHARES BIOTECH 464287556   385,900 2,919 SH   SOLE   0 0 2,919
ISHARES TR RUS 1000 VAL ETF 464287598   225,488 1,218 SH   SOLE   0 0 1,218
ISHARES TR RUS 1000 GRW ETF 464287614   241,751 602 SH   SOLE   0 0 602
ISHARES TR RUS 1000 ETF 464287622   283,179 879 SH   SOLE   0 0 879
ISHARES TR CORE S&P SCP ETF 464287804   288,423 2,503 SH   SOLE   0 0 2,503
ISHARES TR EAFE SML CP ETF 464288273   213,272 3,511 SH   SOLE   0 0 3,511
ISHARES TR CALIF MUN BD ETF 464288356   987,423 22,638 SH   SOLE   0 0 22,638
ISHARES TR ISHS 1-5YR INVS 464288646   1,562,198 30,217 SH   SOLE   0 0 30,217
ISHARES TR US HOME CONS ETF 464288752   507,184 4,906 SH   SOLE   0 0 4,906
ISHARES TR RUS TP200 GR ETF 464289438   1,181,996 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   432,190 8,210 SH   SOLE   0 0 8,210
ISHARES U S ETF TR SHORT DURATION B 46431W507   679,689 13,459 SH   SOLE   0 0 13,459
ISHARES INC MSCI EMRG CHN 46434G764   2,999,145 54,087 SH   SOLE   0 0 54,087
ISHARES TR ESG AW MSCI EAFE 46435G516   1,025,095 13,463 SH   SOLE   0 0 13,463
ISHARES TR IBONDS 25 TRM HG 46435U168   916,075 39,486 SH   SOLE   0 0 39,486
ISHARES TR ESG AWARE MSCI 46435U663   201,149 4,784 SH   SOLE   0 0 4,784
ISHARES TR US INFRASTRUC 46435U713   632,514 13,664 SH   SOLE   0 0 13,664
ISHARES TR IBONDS 2026 TERM 46436E528   1,079,670 46,638 SH   SOLE   0 0 46,638
JPMORGAN CHASE & CO. COM 46625H100   1,107,664 4,621 SH   SOLE   0 0 4,621
JOHNSON & JOHNSON COM 478160104   300,810 2,080 SH   SOLE   0 0 2,080
KEYSIGHT TECHNOLOGIES INC COM 49338L103   316,441 1,970 SH   SOLE   0 0 1,970
ELI LILLY & CO COM 532457108   358,221 464 SH   SOLE   0 0 464
LOWES COS INC COM 548661107   231,992 940 SH   SOLE   0 0 940
MARATHON PETE CORP COM 56585A102   208,832 1,497 SH   SOLE   0 0 1,497
MARQETA INC CLASS A COM 57142B104   1,868,917 493,118 SH   SOLE   0 0 493,118
MARRIOTT INTL INC NEW CL A 571903202   293,445 1,052 SH   SOLE   0 0 1,052
MASTERCARD INCORPORATED CL A 57636Q104   956,353 1,816 SH   SOLE   0 0 1,816
MERCK & CO INC COM 58933Y105   302,320 3,039 SH   SOLE   0 0 3,039
MICROSOFT CORP COM 594918104   3,845,957 9,124 SH   SOLE   0 0 9,124
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   221,131 45,221 SH   SOLE   0 0 45,221
MORGAN STANLEY COM NEW 617446448   219,440 1,745 SH   SOLE   0 0 1,745
NETFLIX INC COM 64110L106   640,869 719 SH   SOLE   0 0 719
NOMURA HLDGS INC SPONSORED ADR 65535H208   136,459 23,568 SH   SOLE   0 0 23,568
NOVO-NORDISK A S ADR 670100205   393,111 4,570 SH   SOLE   0 0 4,570
NVIDIA CORPORATION COM 67066G104   4,957,612 36,917 SH   SOLE   0 0 36,917
ORACLE CORP COM 68389X105   575,741 3,455 SH   SOLE   0 0 3,455
PALANTIR TECHNOLOGIES INC CL A 69608A108   403,410 5,334 SH   SOLE   0 0 5,334
PEPSICO INC COM 713448108   288,135 1,895 SH   SOLE   0 0 1,895
PHILLIPS 66 COM 718546104   213,391 1,873 SH   SOLE   0 0 1,873
PORCH GROUP INC COM 733245104   537,687 109,286 SH   SOLE   0 0 109,286
PROFIRE ENERGY INC COM 74316X101   25,400 10,000 SH   SOLE   0 0 10,000
PROGRESSIVE CORP COM 743315103   242,246 1,011 SH   SOLE   0 0 1,011
PROSHARES TR ULTRAPRO SRT DOW 74347G135   344,488 6,800 SH   SOLE   0 0 6,800
PROSHARES TR LARGE CAP CRE 74347R248   229,097 3,464 SH   SOLE   0 0 3,464
PUBLIC STORAGE OPER CO COM 74460D109   681,226 2,275 SH   SOLE   0 0 2,275
QUALCOMM INC COM 747525103   200,628 1,306 SH   SOLE   0 0 1,306
REALTY INCOME CORP COM 756109104   205,842 3,854 SH   SOLE   0 0 3,854
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,605,653 2,740 SH   SOLE   0 0 2,740
SPDR GOLD TR GOLD SHS 78463V107   750,603 3,100 SH   SOLE   0 0 3,100
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   530,690 17,127 SH   SOLE   0 0 17,127
SPDR SER TR S&P 600 SMCP VAL 78464A300   231,911 2,658 SH   SOLE   0 0 2,658
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   678,685 7,423 SH   SOLE   0 0 7,423
SALESFORCE INC COM 79466L302   2,527,282 7,559 SH   SOLE   0 0 7,559
SAP SE SPON ADR 803054204   328,937 1,336 SH   SOLE   0 0 1,336
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,495,010 125,404 SH   SOLE   0 0 125,404
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,152,856 197,655 SH   SOLE   0 0 197,655
SCHWAB STRATEGIC TR LONG TERM US 808524680   9,582,067 304,870 SH   SOLE   0 0 304,870
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   244,023 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   539,441 18,163 SH   SOLE   0 0 18,163
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   385,511 16,574 SH   SOLE   0 0 16,574
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   378,482 20,458 SH   SOLE   0 0 20,458
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   223,684 962 SH   SOLE   0 0 962
SEMPRA COM 816851109   200,791 2,289 SH   SOLE   0 0 2,289
SERVICENOW INC COM 81762P102   420,868 397 SH   SOLE   0 0 397
SILVACO GROUP INC COM 82728C102   808,000 100,000 SH   SOLE   0 0 100,000
SNOWFLAKE INC CL A 833445109   1,171,509 7,587 SH   SOLE   0 0 7,587
STARBUCKS CORP COM 855244109   604,509 6,625 SH   SOLE   0 0 6,625
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   283,222 19,546 SH   SOLE   0 0 19,546
SYSCO CORP COM 871829107   225,404 2,948 SH   SOLE   0 0 2,948
TJX COS INC NEW COM 872540109   281,004 2,326 SH   SOLE   0 0 2,326
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   293,865 1,488 SH   SOLE   0 0 1,488
TARGET CORP COM 87612E106   1,406,370 10,404 SH   SOLE   0 0 10,404
TESLA INC COM 88160R101   2,282,679 5,652 SH   SOLE   0 0 5,652
TEXAS INSTRS INC COM 882508104   244,888 1,306 SH   SOLE   0 0 1,306
UNITEDHEALTH GROUP INC COM 91324P102   522,297 1,032 SH   SOLE   0 0 1,032
VALVOLINE INC COM 92047W101   228,441 6,314 SH   SOLE   0 0 6,314
VANGUARD STAR FDS VG TL INTL STK F 921909768   502,732 8,531 SH   SOLE   0 0 8,531
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,312,475 30,944 SH   SOLE   0 0 30,944
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,024,869 14,252 SH   SOLE   0 0 14,252
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   220,778 4,617 SH   SOLE   0 0 4,617
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,943,702 49,302 SH   SOLE   0 0 49,302
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   392,644 6,218 SH   SOLE   0 0 6,218
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   1,007,836 3,973 SH   SOLE   0 0 3,973
VANGUARD WORLD FD INF TECH ETF 92204A702   778,499 1,252 SH   SOLE   0 0 1,252
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   201,098 3,503 SH   SOLE   0 0 3,503
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,708,513 61,501 SH   SOLE   0 0 61,501
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   447,586 5,576 SH   SOLE   0 0 5,576
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   227,541 4,539 SH   SOLE   0 0 4,539
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,398,061 10,018 SH   SOLE   0 0 10,018
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,119,363 13,101 SH   SOLE   0 0 13,101
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,186,427 8,616 SH   SOLE   0 0 8,616
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   683,818 7,676 SH   SOLE   0 0 7,676
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,544,650 5,515 SH   SOLE   0 0 5,515
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,390,031 17,106 SH   SOLE   0 0 17,106
VANGUARD INDEX FDS LARGE CAP ETF 922908637   208,478 773 SH   SOLE   0 0 773
VANGUARD INDEX FDS GROWTH ETF 922908736   15,302,304 37,283 SH   SOLE   0 0 37,283
VANGUARD INDEX FDS VALUE ETF 922908744   7,734,732 45,687 SH   SOLE   0 0 45,687
VANGUARD INDEX FDS SMALL CP ETF 922908751   847,136 3,526 SH   SOLE   0 0 3,526
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,422,040 8,357 SH   SOLE   0 0 8,357
VERIZON COMMUNICATIONS INC COM 92343V104   440,210 11,008 SH   SOLE   0 0 11,008
VISA INC COM CL A 92826C839   1,874,576 5,931 SH   SOLE   0 0 5,931
WALMART INC COM 931142103   273,399 3,026 SH   SOLE   0 0 3,026
WIPRO LTD SPON ADR 1 SH 97651M109   78,914 22,292 SH   SOLE   0 0 22,292