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
AMAZON COM INC COM 023135106 BBG001S5PQL7 806,479 4,471 SH   SOLE   0 0 4,471
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 285,051 3,042 SH   SOLE   0 0 3,042
APPLE INC COM 037833100 BBG001S5N8V8 482,368 2,813 SH   SOLE   0 0 2,813
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 276,879 8,666 SH   SOLE   0 0 8,666
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,802,533 2,317 SH   SOLE   0 0 2,317
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 400,796 3,448 SH   SOLE   0 0 3,448
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 BBG00KJR2J47 1,243,104 60,847 SH   SOLE   0 0 60,847
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 1,160,418 60,407 SH   SOLE   0 0 60,407
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 602,110 3,555 SH   SOLE   0 0 3,555
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 337,560 760 SH   SOLE   0 0 760
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 736,397 12,798 SH   SOLE   0 0 12,798
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 334,211 4,925 SH   SOLE   0 0 4,925
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 211,204 1,911 SH   SOLE   0 0 1,911
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 2,550,321 22,119 SH   SOLE   0 0 22,119
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 650,328 1,237 SH   SOLE   0 0 1,237
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 278,237 966 SH   SOLE   0 0 966
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 334,587 1,591 SH   SOLE   0 0 1,591
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 239,391 493 SH   SOLE   0 0 493
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,521,744 3,617 SH   SOLE   0 0 3,617
PEPSICO INC COM 713448108 BBG001S695T1 262,165 1,498 SH   SOLE   0 0 1,498
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 394,818 928 SH   SOLE   0 0 928
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 405,972 5,035 SH   SOLE   0 0 5,035
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200 BBG00CNVKF21 241,535 5,140 SH   SOLE   0 0 5,140
TRANE TECHNOLOGIES PLC SHS G8994E103 BBG001S5SBV6 1,356,003 4,517 SH   SOLE   0 0 4,517
TYLER TECHNOLOGIES INC COM 902252105 BBG001S5WZB0 898,896 2,115 SH   SOLE   0 0 2,115
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 237,061 3,092 SH   SOLE   0 0 3,092
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 19,694,489 271,162 SH   SOLE   0 0 271,162
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 23,245,415 132,626 SH   SOLE   0 0 132,626
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 915,916 2,661 SH   SOLE   0 0 2,661
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 28,545,441 59,383 SH   SOLE   0 0 59,383
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,736,194 10,528 SH   SOLE   0 0 10,528
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 506,983 3,113 SH   SOLE   0 0 3,113
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 288,410 6,905 SH   SOLE   0 0 6,905
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 235,644 4,921 SH   SOLE   0 0 4,921
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 858,125 16,959 SH   SOLE   0 0 16,959
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 332,229 4,297 SH   SOLE   0 0 4,297
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 12,830,165 212,772 SH   SOLE   0 0 212,772
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 10,232,978 203,966 SH   SOLE   0 0 203,966