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
ABRDN ETFS BBRG ALL COMMDY 003261203   1,709,861 54,195 SH   SOLE   54,195 0 0
ADOBE INC COM 00724F101   339,596 673 SH   SOLE   673 0 0
ALPHABET INC CAP STK CL A 02079K305   258,241 1,711 SH   SOLE   1,711 0 0
AMAZON COM INC COM 023135106   425,516 2,359 SH   SOLE   2,359 0 0
APPLE INC COM 037833100   530,563 3,094 SH   SOLE   3,094 0 0
BANCO SANTANDER S.A. ADR 05964H105   74,604 15,414 SH   SOLE   15,414 0 0
BROADCOM INC COM 11135F101   245,201 185 SH   SOLE   185 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   2,279,921 62,395 SH   SOLE   62,395 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   557,602 18,451 SH   SOLE   18,451 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   536,069 21,686 SH   SOLE   21,686 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,788,056 118,562 SH   SOLE   118,562 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   248,528 9,750 SH   SOLE   9,750 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   660,618 24,696 SH   SOLE   24,696 0 0
META PLATFORMS INC CL A 30303M102   484,609 998 SH   SOLE   998 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   530,378 12,914 SH   SOLE   12,914 0 0
INTEL CORP COM 458140100   321,778 7,285 SH   SOLE   7,285 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   293,915 2,956 SH   SOLE   2,956 0 0
ISHARES INC CORE MSCI EMKT 46434G103   891,906 17,285 SH   SOLE   17,285 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,605,951 23,923 SH   SOLE   23,923 0 0
MICROSOFT CORP COM 594918104   672,311 1,598 SH   SOLE   1,598 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   196,529 19,211 SH   SOLE   19,211 0 0
NVIDIA CORPORATION COM 67066G104   420,155 465 SH   SOLE   465 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   659,925 25,688 SH   SOLE   25,688 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606   320,238 13,650 SH   SOLE   13,650 0 0
SALESFORCE INC COM 79466L302   437,313 1,452 SH   SOLE   1,452 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,890,010 46,568 SH   SOLE   46,568 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   2,193,751 42,147 SH   SOLE   42,147 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,360,312 51,311 SH   SOLE   51,311 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   220,416 4,572 SH   SOLE   4,572 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   766,276 5,187 SH   SOLE   5,187 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   345,713 1,880 SH   SOLE   1,880 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   248,865 2,636 SH   SOLE   2,636 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   788,823 18,728 SH   SOLE   18,728 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   370,700 2,943 SH   SOLE   2,943 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   363,639 1,746 SH   SOLE   1,746 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   232,649 2,849 SH   SOLE   2,849 0 0
STRYKER CORPORATION COM 863667101   696,216 1,945 SH   SOLE   1,945 0 0
TOYOTA MOTOR CORP ADS 892331307   208,643 829 SH   SOLE   829 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709   625,990 8,172 SH   SOLE   8,172 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   868,412 17,654 SH   SOLE   17,654 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,258,445 18,342 SH   SOLE   18,342 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,291,008 25,514 SH   SOLE   25,514 0 0
VISA INC COM CL A 92826C839   241,962 867 SH   SOLE   867 0 0
CRH PLC ORD G25508105   202,280 2,345 SH   SOLE   2,345 0 0
LINDE PLC SHS G54950103   213,123 459 SH   SOLE   459 0 0