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
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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 Stock 023135106   1,618,911 8,975 SH   SOLE 0 0 0 8,975
INVESCO QQQ TRUST SERIES I ETF 46090E103   446,286 1,005 SH   SOLE 0 0 0 1,005
STARBUCKS CORP COM Stock 855244109   304,058 3,327 SH   SOLE 0 0 0 3,327
JOHNSON & JOHNSON COM Stock 478160104   1,176,098 7,435 SH   SOLE 0 0 0 7,434
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,226,468 4,719 SH   SOLE 0 0 0 4,719
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   227,934 3,313 SH   SOLE 0 0 0 3,313
COSTCO WHSL CORP NEW COM Stock 22160K105   380,665 520 SH   SOLE 0 0 0 519
YUM BRANDS INC COM Stock 988498101   322,361 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   282,428 1,741 SH   SOLE 0 0 0 1,740
VANGUARD REAL ESTATE ETF ETF 922908553   1,548,248 17,903 SH   SOLE 0 0 0 17,902
INTEL CORP COM Stock 458140100   583,329 13,206 SH   SOLE 0 0 0 13,206
NETFLIX INC COM Stock 64110L106   461,571 760 SH   SOLE 0 0 0 760
MERCK & CO INC COM Stock 58933Y105   371,043 2,812 SH   SOLE 0 0 0 2,812
SPDR S&P 500 ETF TRUST ETF 78462F103   669,357 1,280 SH   SOLE 0 0 0 1,279
ISHARES TIPS BOND ETF ETF 464287176   238,696 2,222 SH   SOLE 0 0 0 2,222
ISHARES COHEN & STEERS REIT ETF ETF 464287564   237,724 4,120 SH   SOLE 0 0 0 4,120
FEDEX CORP COM Stock 31428X106   267,720 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   963,923 2,513 SH   SOLE 0 0 0 2,512
SPDR GOLD SHARES ETF 78463V107   1,093,196 5,314 SH   SOLE 0 0 0 5,314
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   1,107,963 22,501 SH   SOLE 0 0 0 22,501
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,601,708 26,236 SH   SOLE 0 0 0 26,236
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   10,042,215 257,361 SH   SOLE 0 0 0 257,360
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   6,459,242 104,081 SH   SOLE 0 0 0 104,080
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   912,506 11,950 SH   SOLE 0 0 0 11,950
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHORT INCOME FUND ETF 46641Q837   6,731,745 133,434 SH   SOLE 0 0 0 133,434
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   656,896 22,066 SH   SOLE 0 0 0 22,065
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   706,860 6,396 SH   SOLE 0 0 0 6,395
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   3,352,385 7,972 SH   SOLE 0 0 0 7,972
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   407,090 16,122 SH   SOLE 0 0 0 16,122
ADOBE INC COM Stock 00724F101   373,909 741 SH   SOLE 0 0 0 741
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   9,940,915 128,585 SH   SOLE 0 0 0 128,585
ALPHABET INC CAP STK CL A Stock 02079K305   3,206,508 21,245 SH   SOLE 0 0 0 21,245
INTUIT COM Stock 461202103   368,550 567 SH   SOLE 0 0 0 567
MICROSOFT CORP COM Stock 594918104   6,425,367 15,272 SH   SOLE 0 0 0 15,272
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,463,914 33,233 SH   SOLE 0 0 0 33,233
BOEING CO COM Stock 097023105   335,247 1,737 SH   SOLE 0 0 0 1,737
VANGUARD SMALL-CAP ETF ETF 922908751   3,368,294 14,735 SH   SOLE 0 0 0 14,735
VANGUARD MID-CAP ETF ETF 922908629   3,681,568 14,735 SH   SOLE 0 0 0 14,734
VANGUARD LARGE-CAP ETF ETF 922908637   4,742,665 19,781 SH   SOLE 0 0 0 19,780
TESLA INC COM Stock 88160R101   4,557,180 25,924 SH   SOLE 0 0 0 25,924
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   672,609 13,256 SH   SOLE 0 0 0 13,256
VANGUARD HEALTH CARE ETF ETF 92204A504   919,868 3,400 SH   SOLE 0 0 0 3,400
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   218,879 5,197 SH   SOLE 0 0 0 5,196
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,225,937 16,135 SH   SOLE 0 0 0 16,135
SCHWAB US TIPS ETF ETF 808524870   584,557 11,207 SH   SOLE 0 0 0 11,207
VANGUARD S&P 500 ETF ETF 922908363   4,797,025 9,979 SH   SOLE 0 0 0 9,979
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,579,137 61,204 SH   SOLE 0 0 0 61,204
SCHWAB U.S. REIT ETF ETF 808524847   905,923 44,627 SH   SOLE 0 0 0 44,626
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   1,129,206 12,050 SH   SOLE 0 0 0 12,050
SCHWAB U.S. MID-CAP ETF ETF 808524508   8,045,121 98,798 SH   SOLE 0 0 0 98,798
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205   254,922 11,171 SH   SOLE 0 0 0 11,171
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,424,552 21,630 SH   SOLE 0 0 0 21,630
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   4,023,276 66,721 SH   SOLE 0 0 0 66,721
ISHARES RUSSELL 2000 ETF ETF 464287655   1,081,363 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   440,868 6,693 SH   SOLE 0 0 0 6,693
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726   459,886 21,490 SH   SOLE 0 0 0 21,490
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,659,006 8,646 SH   SOLE 0 0 0 8,646
REGENERON PHARMACEUTICALS COM Stock 75886F107   369,596 384 SH   SOLE 0 0 0 384
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   486,300 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   40,748 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,593,031 64,443 SH   SOLE 0 0 0 64,443
SCHWAB US AGGREGATE BOND ETF ETF 808524839   939,631 20,427 SH   SOLE 0 0 0 20,426
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   3,189,060 39,552 SH   SOLE 0 0 0 39,551
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   207,508 9,381 SH   SOLE 0 0 0 9,381
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   750,732 15,151 SH   SOLE 0 0 0 15,151
VISA INC COM CL A Stock 92826C839   670,557 2,403 SH   SOLE 0 0 0 2,402
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   663,049 20,753 SH   SOLE 0 0 0 20,752
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   7,585,391 139,360 SH   SOLE 0 0 0 139,360
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   407,122 7,145 SH   SOLE 0 0 0 7,145
ISHARES IBONDS DEC 2031 TERM CORPORATE ETF ETF 46436E486   672,625 32,827 SH   SOLE 0 0 0 32,827
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,722,169 107,004 SH   SOLE 0 0 0 107,003
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   285,700 4,446 SH   SOLE 0 0 0 4,446
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   419,892 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   1,118,225 6,866 SH   SOLE 0 0 0 6,866
VANGUARD GROWTH ETF ETF 922908736   3,788,904 11,008 SH   SOLE 0 0 0 11,007
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   283,498 11,241 SH   SOLE 0 0 0 11,241
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   4,313,709 91,703 SH   SOLE 0 0 0 91,703
META PLATFORMS INC CL A Stock 30303M102   2,974,319 6,125 SH   SOLE 0 0 0 6,125
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,701,474 165,466 SH   SOLE 0 0 0 165,466
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   1,878,210 62,399 SH   SOLE 0 0 0 62,399
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,985,006 73,005 SH   SOLE 0 0 0 73,005
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   614,234 22,962 SH   SOLE 0 0 0 22,962
JPMORGAN INFLATION MANAGED BOND ETF JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104   239,629 5,114 SH   SOLE 0 0 0 5,113
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   5,331,383 130,352 SH   SOLE 0 0 0 130,351
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   597,499 24,083 SH   SOLE 0 0 0 24,083
WP CAREY INC COM REIT 92936U109   1,856,534 32,894 SH   SOLE 0 0 0 32,893
BROADCOM INC COM Stock 11135F101   1,355,086 1,022 SH   SOLE 0 0 0 1,022
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   6,512,034 135,979 SH   SOLE 0 0 0 135,979
ISHARES CORE MSCI EAFE ETF ETF 46432F842   488,509 6,582 SH   SOLE 0 0 0 6,581
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   1,245,305 41,524 SH   SOLE 0 0 0 41,524
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   448,082 6,336 SH   SOLE 0 0 0 6,336
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   402,414 1,161 SH   SOLE 0 0 0 1,161
NVIDIA CORPORATION COM Stock 67066G104   2,466,723 2,730 SH   SOLE 0 0 0 2,730
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   2,476,608 48,296 SH   SOLE 0 0 0 48,295
ABBVIE INC COM Stock 00287Y109   240,692 1,322 SH   SOLE 0 0 0 1,321
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   308,137 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,350,988 23,035 SH   SOLE 0 0 0 23,034
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   483,522 3,554 SH   SOLE 0 0 0 3,554
BLACKSTONE INC COM Stock 09260D107   589,457 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   381,883 14,400 SH   SOLE 0 0 0 14,399
QUALCOMM INC COM Stock 747525103   1,531,832 9,048 SH   SOLE 0 0 0 9,048
CISCO SYS INC COM Stock 17275R102   932,496 18,684 SH   SOLE 0 0 0 18,683
ADVANCED MICRO DEVICES INC COM Stock 007903107   1,637,947 9,075 SH   SOLE 0 0 0 9,075
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   302,162 3,201 SH   SOLE 0 0 0 3,200
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   237,706 1,760 SH   SOLE 0 0 0 1,760
ISHARES S&P 500 VALUE ETF ETF 464287408   515,330 2,759 SH   SOLE 0 0 0 2,758
LULULEMON ATHLETICA INC COM Stock 550021109   765,283 1,959 SH   SOLE 0 0 0 1,959
ISHARES S&P 500 GROWTH ETF ETF 464287309   432,502 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   27,420,976 52,158 SH   SOLE 0 0 0 52,157
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0   229,151 9,608 SH   SOLE 0 0 0 9,608
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   4,577,800 179,592 SH   SOLE 0 0 0 179,592
WELLS FARGO CO NEW COM Stock 949746101   245,968 4,244 SH   SOLE 0 0 0 4,243
SALESFORCE INC COM Stock 79466L302   359,910 1,195 SH   SOLE 0 0 0 1,195
LOCKHEED MARTIN CORP COM Stock 539830109   882,534 1,940 SH   SOLE 0 0 0 1,940
JPMORGAN CHASE & CO COM Stock 46625H100   5,040,897 25,167 SH   SOLE 0 0 0 25,166
CHEVRON CORP NEW COM Stock 166764100   1,824,852 11,569 SH   SOLE 0 0 0 11,568
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,664,606 92,976 SH   SOLE 0 0 0 92,976
BANK AMERICA CORP COM Stock 060505104   862,261 22,739 SH   SOLE 0 0 0 22,738
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   308,727 4,813 SH   SOLE 0 0 0 4,812
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   347,189 1,818 SH   SOLE 0 0 0 1,818
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   837,364 20,047 SH   SOLE 0 0 0 20,047
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   677,733 5,602 SH   SOLE 0 0 0 5,601
PFIZER INC COM Stock 717081103   620,296 22,353 SH   SOLE 0 0 0 22,353
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   517,478 4,751 SH   SOLE 0 0 0 4,750
CATERPILLAR INC COM Stock 149123101   543,301 1,483 SH   SOLE 0 0 0 1,482
ALPHABET INC CAP STK CL C Stock 02079K107   544,939 3,579 SH   SOLE 0 0 0 3,579
AMGEN INC COM Stock 031162100   1,012,141 3,560 SH   SOLE 0 0 0 3,559
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   1,077,617 5,901 SH   SOLE 0 0 0 5,901
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   503,412 5,140 SH   SOLE 0 0 0 5,140
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,017,260 13,268 SH   SOLE 0 0 0 13,268
LAM RESEARCH CORP COM Stock 512807108   2,400,431 2,471 SH   SOLE 0 0 0 2,470
EXXON MOBIL CORP COM Stock 30231G102   442,408 3,806 SH   SOLE 0 0 0 3,805
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   10,416,323 290,634 SH   SOLE 0 0 0 290,634
BLACKROCK INC COM Stock 09247X101   321,002 385 SH   SOLE 0 0 0 385
ISHARES CORE S&P MID-CAP ETF ETF 464287507   346,986 5,713 SH   SOLE 0 0 0 5,712
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100   198,701 14,326 SH   SOLE 0 0 0 14,325
ISHARES MSCI EAFE ETF ETF 464287465   390,116 4,885 SH   SOLE 0 0 0 4,885
APPLE INC COM Stock 037833100   15,213,912 88,721 SH   SOLE 0 0 0 88,721
DISNEY WALT CO COM Stock 254687106   463,662 3,789 SH   SOLE 0 0 0 3,789