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
ABBOTT LABORATORIES COM 002824100   214,146 2,360 SH   SOLE 0 2,280 0 80
ABBVIE INC COM 00287Y109   211,994 842 SH   SOLE 0 743 0 99
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   6,237,057 50,121 SH   SOLE 0 49,815 0 306
ADOBE INC COM 00724F101   10,637,668 51,886 SH   SOLE 0 51,525 0 361
ADVANCED MICRO DEVICES INC COM 007903107   433,359 746 SH   SOLE 0 678 0 68
AEMETIS INC COM NEW 00770K202   28,864 17,600 SH   SOLE 0 17,600 0 0
ALPHABET INC CAP STK CL A 02079K305   31,730,882 88,790 SH   SOLE 0 87,694 0 1,096
ALPHABET INC CAP STK CL C 02079K107   1,355,374 3,836 SH   SOLE 0 3,454 0 382
AMAZON COM INC COM 023135106   17,611,915 73,894 SH   SOLE 0 72,651 0 1,243
AMGEN INC COM 031162100   496,409 1,371 SH   SOLE 0 1,313 0 58
APPLE INC COM 037833100   34,903,010 120,621 SH   SOLE 0 118,699 0 1,922
BANK OF AMER CORP COM 060505104   16,293,734 285,955 SH   SOLE 0 283,725 0 2,230
BANK OF NY MELLON CORP COM 064058100   275,048 1,902 SH   SOLE 0 1,783 0 119
BERKLEY W R CORP COM 084423102   16,354,426 231,879 SH   SOLE 0 230,223 0 1,656
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   35,832,428 71,609 SH   SOLE 0 71,063 0 546
BLACKSTONE INC COM 09260D107   247,931 2,107 SH   SOLE 0 2,095 0 12
BOEING CO COM 097023105   1,677,859 7,751 SH   SOLE 0 7,660 0 91
BRISTOL-MYERS SQUIBB CO COM 110122108   325,409 5,647 SH   SOLE 0 5,395 0 252
BROADCOM INC COM 11135F101   16,410,216 43,442 SH   SOLE 0 42,878 0 564
BURKE HERBERT FINL SVCS CORP COM 12135Y108   18,617,489 259,080 SH   SOLE 0 259,080 0 0
CALIFORNIA WTR SVC GROUP COM 130788102   330,285 6,789 SH   SOLE 0 6,777 0 12
CAPITAL ONE FINL CORP COM 14040H105   8,855,969 44,143 SH   SOLE 0 43,780 0 363
CATERPILLAR INC COM 149123101   963,735 905 SH   SOLE 0 850 0 55
CHEVRON CORPORATION COM 166764100   3,073,356 18,541 SH   SOLE 0 18,483 0 58
COCA COLA CO COM 191216100   763,694 9,397 SH   SOLE 0 9,375 0 22
CORNING INC COM 219350105   2,648,554 10,369 SH   SOLE 0 10,232 0 137
COSTCO WHOLESALE CORPORATION COM 22160K105   1,213,305 1,297 SH   SOLE 0 1,254 0 43
DIMENSIONAL ETF TRUST US COR EQU 1 ETF 25434V625   5,400,187 65,872 SH   SOLE 0 62,260 0 3,612
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   377,605 4,561 SH   SOLE 0 4,196 0 365
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708   7,311,282 164,817 SH   SOLE 0 164,027 0 790
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,819,976 40,343 SH   SOLE 0 38,529 0 1,814
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   4,123,722 111,936 SH   SOLE 0 110,440 0 1,496
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831   18,843,098 451,548 SH   SOLE 0 447,224 0 4,324
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823   365,351 13,966 SH   SOLE 0 13,966 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   3,638,476 106,622 SH   SOLE 0 102,112 0 4,510
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   2,069,504 45,887 SH   SOLE 0 45,887 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   679,399 14,570 SH   SOLE 0 14,570 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   882,745 30,471 SH   SOLE 0 28,509 0 1,962
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   15,606,658 301,928 SH   SOLE 0 291,814 0 10,114
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,634,356 282,045 SH   SOLE 0 268,863 0 13,182
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,133,628 102,801 SH   SOLE 0 98,752 0 4,049
DISNEY WALT CO COM 254687106   311,594 3,237 SH   SOLE 0 3,154 0 83
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303   6,993,986 135,006 SH   SOLE 0 130,420 0 4,586
ELI LILLY & CO COM 532457108   636,897 531 SH   SOLE 0 479 0 52
EXXON MOBIL CORP COM 30231G102   19,116,235 139,820 SH   SOLE 0 138,290 0 1,530
GE AEROSPACE COM NEW 369604301   413,719 1,107 SH   SOLE 0 1,085 0 22
GE VERNOVA INC COM 36828A101   270,218 230 SH   SOLE 0 211 0 19
HOME DEPOT INC COM 437076102   488,214 1,384 SH   SOLE 0 1,297 0 87
HONEYWELL AEROSPACE INC COM 43849R105   5,288,897 23,923 SH   SOLE 0 23,732 0 191
HONEYWELL INTL INC COM 438516205   5,356,472 23,924 SH   SOLE 0 23,732 0 192
HUBBELL INC COM 443510607   16,086,307 30,746 SH   SOLE 0 30,513 0 233
INTERNATIONAL BUSINESS MACHS COM 459200101   1,122,872 3,993 SH   SOLE 0 3,900 0 93
ISHARES GOLD TR ISHARES NEW 464285204   1,746,697 23,132 SH   SOLE 0 23,132 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,333,249 7,465 SH   SOLE 0 7,465 0 0
ISHARES TR RUS 1000 ETF 464287622   330,057 806 SH   SOLE 0 806 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   1,254,408 27,187 SH   SOLE 0 27,187 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   427,595 8,376 SH   SOLE 0 8,376 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   353,738 4,894 SH   SOLE 0 3,631 0 1,263
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   326,298 6,398 SH   SOLE 0 6,398 0 0
JACOBS SOLUTIONS INC COM 46982L108   17,880,995 141,913 SH   SOLE 0 140,845 0 1,068
JOHNSON & JOHNSON COM 478160104   1,762,285 6,939 SH   SOLE 0 6,764 0 175
JPMORGAN CHASE & CO COM 46625H100   1,515,428 4,630 SH   SOLE 0 3,929 0 701
KLA CORP COM NEW 482480100   271,539 900 SH   SOLE 0 700 0 200
LISTED FDS TR HORI KI INFL ETF 53656F623   249,400 5,000 SH   SOLE 0 5,000 0 0
MARKEL GROUP INC COM 570535104   10,710,307 5,484 SH   SOLE 0 5,444 0 40
MARSH & MCLENNAN COS INC COM 571748102   335,173 2,011 SH   SOLE 0 1,967 0 44
MASTERCARD INCORPORATED CL A 57636Q104   12,032,621 23,428 SH   SOLE 0 23,156 0 272
MCDONALDS CORP COM 580135101   403,850 1,494 SH   SOLE 0 1,451 0 43
MERCK & CO INC COM 58933Y105   297,863 2,318 SH   SOLE 0 1,965 0 353
META PLATFORMS INC CL A 30303M102   326,718 580 SH   SOLE 0 407 0 173
MICRON TECHNOLOGY INC COM 595112103   593,305 514 SH   SOLE 0 422 0 92
MICROSOFT CORP COM 594918104   26,265,026 70,412 SH   SOLE 0 69,236 0 1,176
NOVO-NORDISK A S ADR 670100205   9,012,001 187,985 SH   SOLE 0 186,561 0 1,424
NVIDIA CORPORATION COM 67066G104   1,177,330 5,884 SH   SOLE 0 4,023 0 1,861
OREILLY AUTOMOTIVE INC COM 67103H107   274,704 2,983 SH   SOLE 0 2,910 0 73
PEPSICO INC COM 713448108   460,902 3,404 SH   SOLE 0 3,399 0 5
PERFORMANCE FOOD GROUP CO COM 71377A103   441,459 3,949 SH   SOLE 0 3,949 0 0
PFIZER INC COM 717081103   455,746 18,926 SH   SOLE 0 18,395 0 531
PHILIP MORRIS INTL INC COM 718172109   235,364 1,301 SH   SOLE 0 1,261 0 40
PHILLIPS 66 COM 718546104   239,544 1,417 SH   SOLE 0 1,360 0 57
PROCTER & GAMBLE CO COM 742718109   811,212 5,532 SH   SOLE 0 5,387 0 145
PROGRESSIVE CORP COM 743315103   22,045,342 100,917 SH   SOLE 0 100,083 0 834
REPUBLIC SVCS INC COM 760759100   236,519 1,110 SH   SOLE 0 1,057 0 53
ROCKWELL AUTOMATION INC COM 773903109   664,397 1,342 SH   SOLE 0 1,325 0 17
RTX CORPORATION COM 75513E101   204,719 1,079 SH   SOLE 0 1,024 0 55
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   289,496 10,451 SH   SOLE 0 10,451 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   6,130,450 253,954 SH   SOLE 0 252,133 0 1,821
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,015,215 162,823 SH   SOLE 0 150,712 0 12,111
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,957,290 73,860 SH   SOLE 0 73,860 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   216,629 6,832 SH   SOLE 0 4,533 0 2,299
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   247,972 4,700 SH   SOLE 0 0 0 4,700
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506   506,697 9,541 SH   SOLE 0 9,541 0 0
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525   19,723,294 401,942 SH   SOLE 0 389,181 0 12,761
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   1,498,767 2,007 SH   SOLE 0 2,007 0 0
TESLA INC COM 88160R101   204,832 487 SH   SOLE 0 427 0 60
VALERO ENERGY CORP COM 91913Y100   14,216,667 54,587 SH   SOLE 0 54,149 0 438
VANECK ETF TRUST GOLD MINERS ETF 92189F106   408,637 5,416 SH   SOLE 0 5,416 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   587,223 855 SH   SOLE 0 337 0 518
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   6,814,600 135,668 SH   SOLE 0 129,868 0 5,800
VEEVA SYS INC CL A COM 922475108   587,248 3,309 SH   SOLE 0 3,303 0 6
VERISIGN INC COM 92343E102   13,975,919 55,557 SH   SOLE 0 55,130 0 427
VISA INC COM CL A 92826C839   1,040,519 3,033 SH   SOLE 0 2,856 0 177
WATERS CORP COM 941848103   17,394,730 46,381 SH   SOLE 0 46,038 0 343
WELLS FARGO & CO COM 949746101   7,635,192 92,391 SH   SOLE 0 92,258 0 133
WESTERN DIGITAL CORP COM 958102105   200,558 314 SH   SOLE 0 233 0 81
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,615,641 20,343 SH   SOLE 0 20,343 0 0
YUM BRANDS INC COM 988498101   224,603 1,405 SH   SOLE 0 1,350 0 55
ZOETIS INC CL A 98978V103   7,785,600 108,344 SH   SOLE 0 107,537 0 807