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 1,424,345 24,227 SH   SOLE   24,227 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 410,201 6,303 SH   SOLE   6,303 0 0
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 BBG012R478M7 8,782,598 209,508 SH   SOLE   209,508 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 894,736 9,269 SH   SOLE   9,269 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,362,972 5,442 SH   SOLE   5,442 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 542,093 1,852 SH   SOLE   1,852 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 236,612 522 SH   SOLE   522 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 BBG001SR7MB9 261,036 1,155 SH   SOLE   1,155 0 0
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 319,549 3,515 SH   SOLE   3,515 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 401,366 438 SH   SOLE   438 0 0
CVB FINL CORP COM 126600105 BBG001SJ1SH4 1,731,897 80,892 SH   SOLE   80,892 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 22,619,428 863,666 SH   SOLE   863,666 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 591,967 23,178 SH   SOLE   23,178 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 306,960 8,651 SH   SOLE   8,651 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 9,239,426 347,739 SH   SOLE   347,739 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 248,863 5,209 SH   SOLE   5,209 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 282,274 6,022 SH   SOLE   6,022 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 2,297,141 66,410 SH   SOLE   66,410 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 738,671 11,587 SH   SOLE   11,587 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 928,803 22,699 SH   SOLE   22,699 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 23,579,535 766,066 SH   SOLE   766,066 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 501,800 650 SH   SOLE   650 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 544,775 5,064 SH   SOLE   5,064 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 225,173 997 SH   SOLE   997 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 852,821 1,449 SH   SOLE   1,449 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 254,915 4,448 SH   SOLE   4,448 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 259,068 5,092 SH   SOLE   5,092 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 442,405 18,456 SH   SOLE   18,456 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 280,420 5,444 SH   SOLE   5,444 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 6,932,604 65,064 SH   SOLE   65,064 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,454,565 13,790 SH   SOLE   13,790 0 0
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 BBG00KHT04L1 254,346 5,346 SH   SOLE   5,346 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 215,422 378 SH   SOLE   378 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 487,601 1,157 SH   SOLE   1,157 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 220,504 1,642 SH   SOLE   1,642 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 BBG001SF6Y39 261,909 5,063 SH   SOLE   5,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,790,597 150,843 SH   SOLE   150,843 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 292,733 8,527 SH   SOLE   8,527 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,347,454 147,465 SH   SOLE   147,465 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 367,449 15,852 SH   SOLE   15,852 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 928,820 27,214 SH   SOLE   27,214 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 385,449 12,440 SH   SOLE   12,440 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 968,880 1,653 SH   SOLE   1,653 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 242,249 8,689 SH   SOLE   8,689 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,658,820 23,223 SH   SOLE   23,223 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 894,699 19,918 SH   SOLE   19,918 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 2,175,650 42,543 SH   SOLE   42,543 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 523,071 5,995 SH   SOLE   5,995 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 212,623 2,752 SH   SOLE   2,752 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 285,030 529 SH   SOLE   529 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 97,001,826 334,709 SH   SOLE   334,709 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,047,129 23,777 SH   SOLE   23,777 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 378,632 7,553 SH   SOLE   7,553 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 10,062,486 173,491 SH   SOLE   173,491 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,489,271 130,675 SH   SOLE   130,675 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 8,824,473 113,120 SH   SOLE   113,120 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 731,448 3,735 SH   SOLE   3,735 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 38,461,020 804,288 SH   SOLE   804,288 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 262,399 422 SH   SOLE   422 0 0
WALMART INC COM 931142103 BBG001S5XH92 520,687 5,763 SH   SOLE   5,763 0 0