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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hours per response: 23.8
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
3M CO COM 88579Y101   2,806,088 18,432 SH   SOLE   16,960 0 1,472
AMERICAN TOWER CORP NEW COM 03027X100   898,889 4,067 SH   SOLE   3,947 0 120
AMGEN INC COM 031162100   1,862,331 6,670 SH   SOLE   6,361 0 309
APPLE INC COM 037833100   416,188 2,029 SH   SOLE   2,019 0 10
AUTOMATIC DATA PROCESSING IN COM 053015103   276,018 895 SH   SOLE   110 0 785
AVALONBAY CMNTYS INC COM 053484101   301,587 1,482 SH   SOLE   1,482 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,757,717 5,677 SH   SOLE   1,670 0 4,007
CHEVRON CORP NEW COM 166764100   7,399,917 51,679 SH   SOLE   48,889 0 2,790
CISCO SYS INC COM 17275R102   706,705 10,186 SH   SOLE   9,406 0 780
COLGATE PALMOLIVE CO COM 194162103   436,320 4,800 SH   SOLE   0 0 4,800
CROWN CASTLE INC COM 22822V101   433,213 4,217 SH   SOLE   4,217 0 0
DIGITAL RLTY TR INC COM 253868103   528,220 3,030 SH   SOLE   3,030 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   7,265,494 244,794 SH   SOLE   185,943 0 58,851
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   331,810 11,064 SH   SOLE   7,567 0 3,497
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,192,075 41,177 SH   SOLE   28,612 0 12,565
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583   1,270,953 23,325 SH   SOLE   17,316 0 6,009
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   6,751,491 251,640 SH   SOLE   189,860 0 61,780
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,541,752 35,997 SH   SOLE   35,456 0 541
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,300,599 66,549 SH   SOLE   56,515 0 10,034
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   10,806,808 347,598 SH   SOLE   222,506 0 125,092
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   3,087,124 65,088 SH   SOLE   45,259 0 19,829
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,792,694 37,340 SH   SOLE   32,991 0 4,349
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,416,604 33,442 SH   SOLE   30,136 0 3,306
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   10,440,553 155,783 SH   SOLE   128,399 0 27,384
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   1,655,603 46,558 SH   SOLE   29,618 0 16,940
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   3,133,330 101,010 SH   SOLE   31,494 0 69,516
DIMENSIONAL ETF TRUST US LARGE CAP VEC 25434V641   876,105 12,712 SH   SOLE   1,544 0 11,168
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   21,031,116 497,425 SH   SOLE   407,619 0 89,806
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   571,251 24,350 SH   SOLE   18,750 0 5,600
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   10,952,603 171,913 SH   SOLE   141,916 0 29,997
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   4,012,273 136,333 SH   SOLE   97,151 0 39,182
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   7,930,325 146,967 SH   SOLE   123,425 0 23,542
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   6,890,583 102,722 SH   SOLE   94,340 0 8,382
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   7,109,043 242,051 SH   SOLE   178,559 0 63,492
DOW INC COM 260557103   2,293,621 86,617 SH   SOLE   82,021 0 4,596
ELI LILLY & CO COM 532457108   1,087,445 1,395 SH   SOLE   1,385 0 10
EQUINIX INC COM 29444U700   647,513 814 SH   SOLE   814 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107   247,351 3,665 SH   SOLE   3,665 0 0
EXTRA SPACE STORAGE INC COM 30225T102   331,593 2,249 SH   SOLE   2,249 0 0
EXXON MOBIL CORP COM 30231G102   1,817,077 16,856 SH   SOLE   15,476 0 1,380
GE AEROSPACE COM NEW 369604301   539,747 2,097 SH   SOLE   1,695 0 402
GLOBAL X FDS US PFD ETF 37954Y657   213,307 11,328 SH   SOLE   11,328 0 0
HARTFORD INSURANCE GROUP INC COM 416515104   307,407 2,423 SH   SOLE   2,423 0 0
HOME DEPOT INC COM 437076102   784,610 2,140 SH   SOLE   2,140 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   4,199,731 14,247 SH   SOLE   13,162 0 1,085
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,730,529 9,522 SH   SOLE   9,522 0 0
INVITATION HOMES INC COM 46187W107   207,395 6,323 SH   SOLE   6,323 0 0
IRON MTN INC DEL COM 46284V101   318,275 3,103 SH   SOLE   3,103 0 0
ISHARES GOLD TR ISHARES NEW 464285204   8,258,585 132,434 SH   SOLE   105,795 0 26,639
ISHARES INC MSCI EMRG CHN 46434G764   359,267 5,690 SH   SOLE   3,028 0 2,662
ISHARES TR 1 3 YR TREAS BD 464287457   3,046,943 36,772 SH   SOLE   29,031 0 7,741
ISHARES TR CORE S&P SCP ETF 464287804   615,959 5,636 SH   SOLE   5,440 0 196
ISHARES TR CORE S&P500 ETF 464287200   648,670 1,045 SH   SOLE   507 0 538
ISHARES TR CORE US AGGBD ET 464287226   1,476,692 14,886 SH   SOLE   8,146 0 6,740
ISHARES TR MSCI EAFE ETF 464287465   367,393 4,110 SH   SOLE   2,605 0 1,505
ISHARES TR MSCI EMG MKT ETF 464287234   576,372 11,948 SH   SOLE   9,537 0 2,411
ISHARES TR NEW YORK MUN ETF 464288323   256,790 4,925 SH   SOLE   4,925 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,559,483 3,673 SH   SOLE   3,305 0 368
ISHARES TR RUS 1000 VAL ETF 464287598   791,682 4,076 SH   SOLE   2,530 0 1,546
ISHARES TR RUSSELL 2000 ETF 464287655   534,512 2,477 SH   SOLE   2,477 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   2,099,387 19,068 SH   SOLE   12,954 0 6,114
ISHARES TR S&P 500 VAL ETF 464287408   366,804 1,877 SH   SOLE   1,306 0 571
ISHARES TR SELECT US REIT 464287564   390,446 6,384 SH   SOLE   6,384 0 0
ISHARES TR SHORT TREAS BD 464288679   5,817,809 52,688 SH   SOLE   32,553 0 20,135
ISHARES TR SP SMCP600VL ETF 464287879   1,288,396 12,950 SH   SOLE   8,995 0 3,955
ISHARES TR TIPS BD ETF 464287176   1,653,079 15,023 SH   SOLE   8,906 0 6,117
JOHNSON & JOHNSON COM 478160104   3,138,249 20,545 SH   SOLE   19,377 0 1,168
JOHNSON CTLS INTL PLC SHS G51502105   330,591 3,130 SH   SOLE   3,130 0 0
JPMORGAN CHASE & CO. COM 46625H100   822,475 2,837 SH   SOLE   2,302 0 535
MEDTRONIC PLC SHS G5960L103   250,004 2,868 SH   SOLE   2,868 0 0
MERCK & CO INC COM 58933Y105   2,349,865 29,685 SH   SOLE   28,515 0 1,170
MICROSOFT CORP COM 594918104   422,799 850 SH   SOLE   840 0 10
NEXTERA ENERGY INC COM 65339F101   526,621 7,586 SH   SOLE   7,586 0 0
PEPSICO INC COM 713448108   521,691 3,951 SH   SOLE   3,900 0 51
PFIZER INC COM 717081103   207,359 8,554 SH   SOLE   5,404 0 3,150
PROCTER AND GAMBLE CO COM 742718109   716,463 4,497 SH   SOLE   3,419 0 1,078
PROLOGIS INC. COM 74340W103   680,022 6,469 SH   SOLE   6,469 0 0
PUBLIC STORAGE OPER CO COM 74460D109   414,016 1,411 SH   SOLE   1,411 0 0
REALTY INCOME CORP COM 756109104   456,848 7,930 SH   SOLE   7,930 0 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104   269,127 1,146 SH   SOLE   1,146 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   888,612 29,483 SH   SOLE   29,403 0 80
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,176,245 53,224 SH   SOLE   53,182 0 42
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,240,931 132,934 SH   SOLE   132,934 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   478,636 17,298 SH   SOLE   17,298 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,102,109 86,011 SH   SOLE   85,831 0 180
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,004,574 79,232 SH   SOLE   68,504 0 10,728
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   260,827 1,030 SH   SOLE   1,030 0 0
SIMON PPTY GROUP INC NEW COM 828806109   473,117 2,943 SH   SOLE   2,943 0 0
SOLVENTUM CORP COM SHS 83444M101   242,916 3,203 SH   SOLE   3,067 0 136
SPDR GOLD TR GOLD SHS 78463V107   246,303 808 SH   SOLE   608 0 200
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,299,798 81,497 SH   SOLE   74,347 0 7,150
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   827,944 19,372 SH   SOLE   14,900 0 4,472
SPDR S&P 500 ETF TR TR UNIT 78462F103   555,073 898 SH   SOLE   384 0 514
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   2,721,369 37,438 SH   SOLE   31,693 0 5,745
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   819,795 19,244 SH   SOLE   16,330 0 2,914
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   3,182,692 60,808 SH   SOLE   57,294 0 3,514
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   1,084,976 13,603 SH   SOLE   13,603 0 0
TE CONNECTIVITY PLC ORD SHS G87052109   234,620 1,391 SH   SOLE   1,391 0 0
THE CIGNA GROUP COM 125523100   672,070 2,033 SH   SOLE   2,033 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,157,797 27,418 SH   SOLE   19,203 0 8,215
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   894,973 12,155 SH   SOLE   10,890 0 1,265
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   337,701 6,821 SH   SOLE   4,744 0 2,077
VANGUARD INDEX FDS GROWTH ETF 922908736   35,657,123 81,335 SH   SOLE   66,114 0 15,221
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,727,777 6,056 SH   SOLE   2,968 0 3,088
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,198,327 69,597 SH   SOLE   56,854 0 12,743
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,325,061 9,375 SH   SOLE   8,719 0 656
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,361,309 32,620 SH   SOLE   24,694 0 7,926
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,034,745 25,465 SH   SOLE   17,060 0 8,405
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,176,181 7,160 SH   SOLE   5,716 0 1,444
VANGUARD INDEX FDS VALUE ETF 922908744   10,466,703 59,221 SH   SOLE   51,765 0 7,456
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,580,481 72,391 SH   SOLE   60,006 0 12,385
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   259,923 2,022 SH   SOLE   1,233 0 789
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   450,205 8,956 SH   SOLE   3,722 0 5,234
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,371,990 68,774 SH   SOLE   52,634 0 16,140
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,550,015 30,753 SH   SOLE   21,275 0 9,478
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   247,883 4,417 SH   SOLE   2,628 0 1,789
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,183,819 54,165 SH   SOLE   28,346 0 25,819
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   308,796 4,454 SH   SOLE   2,482 0 1,972
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   1,285,216 4,576 SH   SOLE   3,212 0 1,364
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   277,328 1,355 SH   SOLE   1,355 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   245,408 3,552 SH   SOLE   2,395 0 1,157
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,623,965 151,271 SH   SOLE   126,803 0 24,468
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   201,032 1,508 SH   SOLE   228 0 1,280
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   19,375,245 241,858 SH   SOLE   241,858 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691   355,674 5,610 SH   SOLE   5,610 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   477,562 720 SH   SOLE   472 0 248
VANGUARD WORLD FD UTILITIES ETF 92204A876   9,454,493 53,563 SH   SOLE   52,452 0 1,111
VERIZON COMMUNICATIONS INC COM 92343V104   9,028,184 208,648 SH   SOLE   194,030 0 14,618
VICI PPTYS INC COM 925652109   361,600 11,092 SH   SOLE   11,092 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   449,844 39,185 SH   SOLE   37,866 0 1,319
WALMART INC COM 931142103   225,872 2,310 SH   SOLE   510 0 1,800
WORLD GOLD TR SPDR GLD MINIS 98149E303   37,743,821 576,066 SH   SOLE   505,710 0 70,356