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
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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
ABBOTT LABS COM 002824100   268,380 2,354 SH   SOLE   0 0 2,354
ABBVIE INC COM 00287Y109   588,490 2,980 SH   SOLE   0 0 2,980
ABERCROMBIE & FITCH CO CL A 002896207   246,364 1,761 SH   SOLE   0 0 1,761
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   511,238 1,446 SH   SOLE   0 0 1,446
ADOBE INC COM 00724F101   501,729 969 SH   SOLE   0 0 969
ADVANCED MICRO DEVICES INC COM 007903107   485,841 2,961 SH   SOLE   0 0 2,961
ALPHABET INC CAP STK CL A 02079K305   1,294,032 7,802 SH   SOLE   0 0 7,802
ALPHABET INC CAP STK CL C 02079K107   713,901 4,270 SH   SOLE   0 0 4,270
AMAZON COM INC COM 023135106   2,585,515 13,876 SH   SOLE   0 0 13,876
AMGEN INC COM 031162100   207,825 645 SH   SOLE   0 0 645
APPLE INC COM 037833100   5,713,502 24,521 SH   SOLE   0 0 24,521
APPLIED MATLS INC COM 038222105   257,412 1,274 SH   SOLE   0 0 1,274
AT&T INC COM 00206R102   283,644 12,893 SH   SOLE   0 0 12,893
BANK AMERICA CORP COM 060505104   396,443 9,991 SH   SOLE   0 0 9,991
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,582,374 3,438 SH   SOLE   0 0 3,438
BROADCOM INC COM 11135F101   810,923 4,701 SH   SOLE   0 0 4,701
CALIDI BIOTHERAPEUTICS INC COM NEW 320703309   52,966 46,461 SH   SOLE   0 0 46,461
CATERPILLAR INC COM 149123101   242,365 620 SH   SOLE   0 0 620
CHURCH & DWIGHT CO INC COM 171340102   732,419 6,994 SH   SOLE   0 0 6,994
CISCO SYS INC COM 17275R102   685,843 12,887 SH   SOLE   0 0 12,887
COCA COLA CO COM 191216100   414,900 5,774 SH   SOLE   0 0 5,774
COMCAST CORP NEW CL A 20030N101   282,658 6,767 SH   SOLE   0 0 6,767
COSTCO WHSL CORP NEW COM 22160K105   1,705,664 1,924 SH   SOLE   0 0 1,924
CSX CORP COM 126408103   226,241 6,552 SH   SOLE   0 0 6,552
DANAHER CORPORATION COM 235851102   291,643 1,049 SH   SOLE   0 0 1,049
DICKS SPORTING GOODS INC COM 253393102   418,026 2,003 SH   SOLE   0 0 2,003
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,393,163 273,933 SH   SOLE   0 0 273,933
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,068,894 39,574 SH   SOLE   0 0 39,574
DUKE ENERGY CORP NEW COM NEW 26441C204   286,636 2,486 SH   SOLE   0 0 2,486
ELI LILLY & CO COM 532457108   528,906 597 SH   SOLE   0 0 597
EXXON MOBIL CORP COM 30231G102   1,169,035 9,973 SH   SOLE   0 0 9,973
GROUP 1 AUTOMOTIVE INC COM 398905109   208,757 545 SH   SOLE   0 0 545
HOME DEPOT INC COM 437076102   2,491,170 6,148 SH   SOLE   0 0 6,148
HONEYWELL INTL INC COM 438516106   399,570 1,933 SH   SOLE   0 0 1,933
ILLINOIS TOOL WKS INC COM 452308109   208,084 794 SH   SOLE   0 0 794
INTUIT COM 461202103   242,190 390 SH   SOLE   0 0 390
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   1,011,726 47,057 SH   SOLE   0 0 47,057
INVESCO QQQ TR UNIT SER 1 46090E103   18,890,949 38,705 SH   SOLE   0 0 38,705
ISHARES TR CORE S&P500 ETF 464287200   9,283,341 16,094 SH   SOLE   0 0 16,094
ISHARES TR MSCI INTL VLU FT 46435G409   1,866,030 63,191 SH   SOLE   0 0 63,191
ISHARES TR TIPS BD ETF 464287176   899,889 8,146 SH   SOLE   0 0 8,146
ISHARES TR IBOXX INV CP ETF 464287242   5,732,718 50,741 SH   SOLE   0 0 50,741
ISHARES TR CORE US AGGBD ET 464287226   203,350 2,008 SH   SOLE   0 0 2,008
ISHARES TR BLACKROCK ULTRA 46434V878   701,836 13,832 SH   SOLE   0 0 13,832
ISHARES TR CORE MSCI INTL 46435G326   5,592,737 78,960 SH   SOLE   0 0 78,960
ISHARES TR IBOXX HI YD ETF 464288513   349,707 4,355 SH   SOLE   0 0 4,355
ISHARES U S ETF TR INT RT HDG C B 46431W705   2,408,491 25,883 SH   SOLE   0 0 25,883
JOHNSON & JOHNSON COM 478160104   612,911 3,782 SH   SOLE   0 0 3,782
JPMORGAN CHASE & CO. COM 46625H100   1,005,706 4,770 SH   SOLE   0 0 4,770
LEIDOS HOLDINGS INC COM 525327102   326,163 2,001 SH   SOLE   0 0 2,001
LOCKHEED MARTIN CORP COM 539830109   413,794 708 SH   SOLE   0 0 708
LOWES COS INC COM 548661107   263,266 972 SH   SOLE   0 0 972
MASTERCARD INCORPORATED CL A 57636Q104   1,368,599 2,772 SH   SOLE   0 0 2,772
MCDONALDS CORP COM 580135101   265,229 871 SH   SOLE   0 0 871
MERCK & CO INC COM 58933Y105   867,939 7,643 SH   SOLE   0 0 7,643
META PLATFORMS INC CL A 30303M102   942,809 1,647 SH   SOLE   0 0 1,647
MICRON TECHNOLOGY INC COM 595112103   274,209 2,644 SH   SOLE   0 0 2,644
MICROSOFT CORP COM 594918104   3,967,712 9,221 SH   SOLE   0 0 9,221
NETFLIX INC COM 64110L106   349,670 493 SH   SOLE   0 0 493
NIKE INC CL B 654106103   215,431 2,437 SH   SOLE   0 0 2,437
NOVO-NORDISK A S ADR 670100205   705,728 5,927 SH   SOLE   0 0 5,927
NVIDIA CORPORATION COM 67066G104   4,549,507 37,463 SH   SOLE   0 0 37,463
OKTA INC CL A 679295105   252,087 3,391 SH   SOLE   0 0 3,391
PEPSICO INC COM 713448108   249,633 1,468 SH   SOLE   0 0 1,468
PNC FINL SVCS GROUP INC COM 693475105   352,509 1,907 SH   SOLE   0 0 1,907
POPULAR INC COM NEW 733174700   240,849 2,402 SH   SOLE   0 0 2,402
PROCTER AND GAMBLE CO COM 742718109   444,311 2,565 SH   SOLE   0 0 2,565
PROSHARES TR INVT INT RT HG 74347B607   390,877 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105   32,641 37,000 SH   SOLE   0 0 37,000
SALESFORCE INC COM 79466L302   288,217 1,053 SH   SOLE   0 0 1,053
SCHWAB STRATEGIC TR US TIPS ETF 808524870   239,887 4,473 SH   SOLE   0 0 4,473
SERVICENOW INC COM 81762P102   237,013 265 SH   SOLE   0 0 265
SNOWFLAKE INC CL A 833445109   434,171 3,780 SH   SOLE   0 0 3,780
SOUTHERN CO COM 842587107   538,220 5,968 SH   SOLE   0 0 5,968
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,592,903 135,487 SH   SOLE   0 0 135,487
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,791,677 154,198 SH   SOLE   0 0 154,198
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,147,584 3,743 SH   SOLE   0 0 3,743
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,640,917 27,006 SH   SOLE   0 0 27,006
STARBUCKS CORP COM 855244109   343,098 3,519 SH   SOLE   0 0 3,519
TAYLOR MORRISON HOME CORP COM 87724P106   205,721 2,928 SH   SOLE   0 0 2,928
TESLA INC COM 88160R101   846,896 3,237 SH   SOLE   0 0 3,237
TEXAS INSTRS INC COM 882508104   215,246 1,042 SH   SOLE   0 0 1,042
THERMO FISHER SCIENTIFIC INC COM 883556102   220,980 357 SH   SOLE   0 0 357
TJX COS INC NEW COM 872540109   203,932 1,735 SH   SOLE   0 0 1,735
TRAVELERS COMPANIES INC COM 89417E109   234,120 1,000 SH   SOLE   0 0 1,000
UNION PAC CORP COM 907818108   205,811 835 SH   SOLE   0 0 835
UNITED PARCEL SERVICE INC CL B 911312106   250,729 1,839 SH   SOLE   0 0 1,839
UNITEDHEALTH GROUP INC COM 91324P102   544,337 931 SH   SOLE   0 0 931
US BANCORP DEL COM NEW 902973304   246,210 5,384 SH   SOLE   0 0 5,384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,098,748 13,963 SH   SOLE   0 0 13,963
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,158,436 28,737 SH   SOLE   0 0 28,737
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   28,127,007 563,216 SH   SOLE   0 0 563,216
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,202,905 53,629 SH   SOLE   0 0 53,629
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,686,127 73,312 SH   SOLE   0 0 73,312
VANGUARD INDEX FDS SM CP VAL ETF 922908611   531,465 2,647 SH   SOLE   0 0 2,647
VANGUARD INDEX FDS TOTAL STK MKT 922908769   43,032,155 151,971 SH   SOLE   0 0 151,971
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,172,828 47,101 SH   SOLE   0 0 47,101
VANGUARD INDEX FDS MID CAP ETF 922908629   11,267,652 42,708 SH   SOLE   0 0 42,708
VANGUARD INDEX FDS VALUE ETF 922908744   11,491,070 65,825 SH   SOLE   0 0 65,825
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,688,273 68,654 SH   SOLE   0 0 68,654
VANGUARD INDEX FDS GROWTH ETF 922908736   3,055,699 7,959 SH   SOLE   0 0 7,959
VANGUARD INDEX FDS LARGE CAP ETF 922908637   6,195,740 23,532 SH   SOLE   0 0 23,532
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   16,421,763 137,191 SH   SOLE   0 0 137,191
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,859,444 59,759 SH   SOLE   0 0 59,759
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,361,876 18,751 SH   SOLE   0 0 18,751
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   295,712 5,997 SH   SOLE   0 0 5,997
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,610,627 86,664 SH   SOLE   0 0 86,664
VISA INC COM CL A 92826C839   774,534 2,817 SH   SOLE   0 0 2,817
WALMART INC COM 931142103   1,386,881 17,175 SH   SOLE   0 0 17,175
WASTE MGMT INC DEL COM 94106L109   396,257 1,909 SH   SOLE   0 0 1,909