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
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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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 316,560 1,603 SH   SOLE   0 0 1,603
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 215,338 4,130 SH   SOLE   0 0 4,130
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 BBG012R45GX9 220,066 3,920 SH   SOLE   0 0 3,920
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 978,370 14,596 SH   SOLE   0 0 14,596
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 274,553 3,885 SH   SOLE   0 0 3,885
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 BBG012R478M7 1,185,976 25,159 SH   SOLE   0 0 25,159
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 936,234 9,840 SH   SOLE   0 0 9,840
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 557,858 14,059 SH   SOLE   0 0 14,059
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 220,465 479 SH   SOLE   0 0 479
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 1,249,601 39,320 SH   SOLE   0 0 39,320
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 290,236 10,314 SH   SOLE   0 0 10,314
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 1,640,794 26,379 SH   SOLE   0 0 26,379
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 1,250,587 46,301 SH   SOLE   0 0 46,301
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 1,262,491 42,825 SH   SOLE   0 0 42,825
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 BBG006N7S6J1 220,623 3,555 SH   SOLE   0 0 3,555
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 BBG00YDGX9Z1 315,284 6,055 SH   SOLE   0 0 6,055
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,634,690 80,730 SH   SOLE   0 0 80,730
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 214,530 5,578 SH   SOLE   0 0 5,578
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 1,483,200 29,411 SH   SOLE   0 0 29,411
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 432,164 7,437 SH   SOLE   0 0 7,437
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 9,378,918 120,166 SH   SOLE   0 0 120,166
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 790,881 10,889 SH   SOLE   0 0 10,889
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 23,559,518 187,546 SH   SOLE   0 0 187,546
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,338,646 24,491 SH   SOLE   0 0 24,491
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 939,062 1,628 SH   SOLE   0 0 1,628
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 4,635,789 98,383 SH   SOLE   0 0 98,383
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 234,977 2,320 SH   SOLE   0 0 2,320
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 867,431 7,678 SH   SOLE   0 0 7,678
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 711,865 7,607 SH   SOLE   0 0 7,607
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,849,953 35,441 SH   SOLE   0 0 35,441
ISHARES TR RUS TP200 GR ETF 464289438 BBG001T5LBR7 369,684 1,680 SH   SOLE   0 0 1,680
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 5,694,927 53,630 SH   SOLE   0 0 53,630
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 279,485 2,596 SH   SOLE   0 0 2,596
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 227,096 1,077 SH   SOLE   0 0 1,077
MICROSOFT CORP COM 594918104 BBG001S5TD05 221,174 514 SH   SOLE   0 0 514
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 421,441 10,938 SH   SOLE   0 0 10,938
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,270,011 87,061 SH   SOLE   0 0 87,061
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 464,524 11,253 SH   SOLE   0 0 11,253
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 374,280 6,000 SH   SOLE   0 0 6,000
TESLA INC COM 88160R101 BBG001SQKGD7 886,694 3,389 SH   SOLE   0 0 3,389
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,839,583 23,473 SH   SOLE   0 0 23,473
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 567,198 7,208 SH   SOLE   0 0 7,208
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,442,771 19,209 SH   SOLE   0 0 19,209
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 753,280 15,084 SH   SOLE   0 0 15,084
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 1,706,706 6,482 SH   SOLE   0 0 6,482
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 318,663 3,271 SH   SOLE   0 0 3,271
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 722,607 3,599 SH   SOLE   0 0 3,599
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,600,160 10,961 SH   SOLE   0 0 10,961
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 7,890,958 27,867 SH   SOLE   0 0 27,867
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 600,870 3,442 SH   SOLE   0 0 3,442
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 959,410 15,229 SH   SOLE   0 0 15,229
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,318,659 48,457 SH   SOLE   0 0 48,457
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 399,724 5,622 SH   SOLE   0 0 5,622
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,436,803 11,407 SH   SOLE   0 0 11,407
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 835,738 17,816 SH   SOLE   0 0 17,816
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,930,350 37,761 SH   SOLE   0 0 37,761
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,468,058 29,469 SH   SOLE   0 0 29,469
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 307,276 3,869 SH   SOLE   0 0 3,869
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,785,852 90,624 SH   SOLE   0 0 90,624
XPO INC COM 983793100 BBG001SJW3C0 691,289 6,430 SH   SOLE   0 0 6,430