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 1,319,526 20,426 SH   SOLE   0 0 20,426
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 276,603 3,914 SH   SOLE   0 0 3,914
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 BBG012R478M7 9,095,972 192,956 SH   SOLE   0 0 192,956
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 799,937 8,337 SH   SOLE   0 0 8,337
APPLE INC COM 037833100 BBG001S5N8V8 1,242,112 5,331 SH   SOLE   0 0 5,331
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 510,460 1,845 SH   SOLE   0 0 1,845
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 235,653 512 SH   SOLE   0 0 512
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 BBG001SR7MB9 247,248 1,150 SH   SOLE   0 0 1,150
CISCO SYS INC COM 17275R102 BBG001S6HC62 214,711 4,034 SH   SOLE   0 0 4,034
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 364,892 3,515 SH   SOLE   0 0 3,515
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 388,332 438 SH   SOLE   0 0 438
CVB FINL CORP COM 126600105 BBG001SJ1SH4 1,441,496 80,892 SH   SOLE   0 0 80,892
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 22,787,240 809,493 SH   SOLE   0 0 809,493
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 601,211 20,832 SH   SOLE   0 0 20,832
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 326,355 8,570 SH   SOLE   0 0 8,570
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 9,548,176 328,567 SH   SOLE   0 0 328,567
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 250,527 5,161 SH   SOLE   0 0 5,161
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 281,966 5,907 SH   SOLE   0 0 5,907
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 2,280,474 66,504 SH   SOLE   0 0 66,504
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 720,711 11,587 SH   SOLE   0 0 11,587
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 944,672 22,660 SH   SOLE   0 0 22,660
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 22,200,465 720,794 SH   SOLE   0 0 720,794
ELI LILLY & CO COM 532457108 BBG001S5STL8 575,861 650 SH   SOLE   0 0 650
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 592,198 5,052 SH   SOLE   0 0 5,052
HOME DEPOT INC COM 437076102 BBG001S5RTW7 208,273 514 SH   SOLE   0 0 514
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 205,034 992 SH   SOLE   0 0 992
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 810,487 1,405 SH   SOLE   0 0 1,405
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 275,403 4,473 SH   SOLE   0 0 4,473
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 255,180 5,000 SH   SOLE   0 0 5,000
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 490,162 18,365 SH   SOLE   0 0 18,365
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 292,451 5,444 SH   SOLE   0 0 5,444
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,787,879 62,486 SH   SOLE   0 0 62,486
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,280,836 12,061 SH   SOLE   0 0 12,061
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 BBG00KHT04L1 255,517 5,125 SH   SOLE   0 0 5,125
MICROSOFT CORP COM 594918104 BBG001S5TD05 422,216 981 SH   SOLE   0 0 981
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 268,237 5,063 SH   SOLE   0 0 5,063
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,347,296 57,084 SH   SOLE   0 0 57,084
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 342,804 8,897 SH   SOLE   0 0 8,897
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,293,938 49,518 SH   SOLE   0 0 49,518
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 358,519 5,284 SH   SOLE   0 0 5,284
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,011,545 26,931 SH   SOLE   0 0 26,931
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 419,249 12,284 SH   SOLE   0 0 12,284
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 882,911 1,539 SH   SOLE   0 0 1,539
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 253,780 8,733 SH   SOLE   0 0 8,733
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,639,753 23,405 SH   SOLE   0 0 23,405
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 913,097 20,064 SH   SOLE   0 0 20,064
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,376,637 44,961 SH   SOLE   0 0 44,961
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 526,652 6,066 SH   SOLE   0 0 6,066
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 214,172 2,722 SH   SOLE   0 0 2,722
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 274,915 521 SH   SOLE   0 0 521
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 90,945,678 321,181 SH   SOLE   0 0 321,181
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,140,073 23,826 SH   SOLE   0 0 23,826
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 461,409 9,026 SH   SOLE   0 0 9,026
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 9,713,432 160,765 SH   SOLE   0 0 160,765
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,429,516 124,531 SH   SOLE   0 0 124,531
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 7,401,637 93,196 SH   SOLE   0 0 93,196
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 733,424 3,703 SH   SOLE   0 0 3,703
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 39,619,954 750,236 SH   SOLE   0 0 750,236
WALMART INC COM 931142103 BBG001S5XH92 465,362 5,763 SH   SOLE   0 0 5,763