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
ABRDN ETFS BBRG ALL COMMDY 003261203   2,147,564 68,547 SH   SOLE   68,547 0 0
ADOBE INC COM 00724F101   230,789 519 SH   SOLE   519 0 0
ALPHABET INC CAP STK CL A 02079K305   268,238 1,417 SH   SOLE   1,417 0 0
AMAZON COM INC COM 023135106   589,282 2,686 SH   SOLE   2,686 0 0
APPLE INC COM 037833100   748,512 2,990 SH   SOLE   2,990 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   213,948 472 SH   SOLE   472 0 0
BROADCOM INC COM 11135F101   509,816 2,199 SH   SOLE   2,199 0 0
CHEVRON CORP NEW COM 166764100   251,153 1,734 SH   SOLE   1,734 0 0
CISCO SYS INC COM 17275R102   225,611 3,811 SH   SOLE   3,811 0 0
COSTCO WHSL CORP NEW COM 22160K105   201,579 220 SH   SOLE   220 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   750,401 18,533 SH   SOLE   18,533 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   396,164 15,616 SH   SOLE   15,616 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL US 25434V559   554,142 10,486 SH   SOLE   10,486 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   785,262 22,702 SH   SOLE   22,702 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   216,487 8,266 SH   SOLE   8,266 0 0
EXXON MOBIL CORP COM 30231G102   270,431 2,514 SH   SOLE   2,514 0 0
META PLATFORMS INC CL A 30303M102   587,852 1,004 SH   SOLE   1,004 0 0
HOME DEPOT INC COM 437076102   280,462 721 SH   SOLE   721 0 0
HONEYWELL INTL INC COM 438516106   206,012 912 SH   SOLE   912 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,276,413 12,688 SH   SOLE   12,688 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,127,534 21,592 SH   SOLE   21,592 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,629,948 25,283 SH   SOLE   25,283 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   204,578 3,857 SH   SOLE   3,857 0 0
ISHARES ETHEREUM TR SHS 46438R105   337,688 13,353 SH   SOLE   13,353 0 0
JPMORGAN CHASE & CO. COM 46625H100   266,318 1,111 SH   SOLE   1,111 0 0
ELI LILLY & CO COM 532457108   294,132 381 SH   SOLE   381 0 0
MASTERCARD INCORPORATED CL A 57636Q104   295,406 561 SH   SOLE   561 0 0
MCDONALDS CORP COM 580135101   241,478 833 SH   SOLE   833 0 0
MICROSOFT CORP COM 594918104   755,750 1,793 SH   SOLE   1,793 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   225,505 19,241 SH   SOLE   19,241 0 0
NVIDIA CORPORATION COM 67066G104   718,720 5,352 SH   SOLE   5,352 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,146,512 13,900 SH   SOLE   13,900 0 0
SPDR GOLD TR GOLD SHS 78463V107   257,830 1,065 SH   SOLE   1,065 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   716,087 27,994 SH   SOLE   27,994 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   1,104,198 47,048 SH   SOLE   47,048 0 0
SALESFORCE INC COM 79466L302   390,832 1,169 SH   SOLE   1,169 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,004,672 215,905 SH   SOLE   215,905 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   2,059,074 80,182 SH   SOLE   80,182 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,654,944 161,011 SH   SOLE   161,011 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   573,663 23,843 SH   SOLE   23,843 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   374,096 14,483 SH   SOLE   14,483 0 0
STRYKER CORPORATION COM 863667101   705,313 1,959 SH   SOLE   1,959 0 0
TESLA INC COM 88160R101   409,898 1,015 SH   SOLE   1,015 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   202,890 390 SH   SOLE   390 0 0
TOYOTA MOTOR CORP ADS 892331307   296,975 1,526 SH   SOLE   1,526 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   370,565 5,473 SH   SOLE   5,473 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,654,381 33,729 SH   SOLE   33,729 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,276,108 18,714 SH   SOLE   18,714 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   452,824 9,033 SH   SOLE   9,033 0 0
VISA INC COM CL A 92826C839   397,578 1,258 SH   SOLE   1,258 0 0
WALMART INC COM 931142103   430,698 4,767 SH   SOLE   4,767 0 0
CRH PLC ORD G25508105   209,928 2,269 SH   SOLE   2,269 0 0
LINDE PLC SHS G54950103   235,293 562 SH   SOLE   562 0 0