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
ISHARES TR CORE S&P500 ETF 464287200   57,268,990 119,902 SH   SOLE   0 0 119,902
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   49,136,864 1,025,822 SH   SOLE   0 0 1,025,822
APPLE INC COM 037833100   44,281,736 229,999 SH   SOLE   0 0 229,999
MICROSOFT CORP COM 594918104   26,087,403 69,374 SH   SOLE   0 0 69,374
ISHARES TR CORE S&P SCP ETF 464287804   24,350,570 224,948 SH   SOLE   0 0 224,948
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,311,094 469,856 SH   SOLE   0 0 469,856
VANGUARD INDEX FDS SML CP GRW ETF 922908595   17,759,458 73,456 SH   SOLE   0 0 73,456
ALPHABET INC CAP STK CL A 02079K305   17,714,229 126,811 SH   SOLE   0 0 126,811
ISHARES TR CORE MSCI INTL 46435G326   16,905,677 265,562 SH   SOLE   0 0 265,562
AMAZON COM INC COM 023135106   15,728,070 103,515 SH   SOLE   0 0 103,515
ISHARES GOLD TR ISHARES NEW 464285204   14,300,592 366,400 SH   SOLE   0 0 366,400
ISHARES TR IBOXX INV CP ETF 464287242   13,781,883 124,543 SH   SOLE   0 0 124,543
U HAUL HOLDING COMPANY COM SER N 023586506   13,142,977 186,584 SH   SOLE   0 0 186,584
SHERWIN WILLIAMS CO COM 824348106   12,997,830 41,673 SH   SOLE   0 0 41,673
ISHARES TR CORE S&P MCP ETF 464287507   10,876,892 39,246 SH   SOLE   0 0 39,246
AMGEN INC COM 031162100   10,520,083 36,526 SH   SOLE   0 0 36,526
VISA INC COM CL A 92826C839   10,377,575 39,860 SH   SOLE   0 0 39,860
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   10,155,820 49,360 SH   SOLE   0 0 49,360
STARBUCKS CORP COM 855244109   9,271,956 96,573 SH   SOLE   0 0 96,573
NIKE INC CL B 654106103   9,018,841 83,069 SH   SOLE   0 0 83,069
DISCOVER FINL SVCS COM 254709108   8,968,100 79,787 SH   SOLE   0 0 79,787
HONEYWELL INTL INC COM 438516106   8,672,789 41,356 SH   SOLE   0 0 41,356
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,638,751 233,732 SH   SOLE   0 0 233,732
WATSCO INC COM 942622200   8,414,723 19,639 SH   SOLE   0 0 19,639
COSTCO WHSL CORP NEW COM 22160K105   8,247,112 12,494 SH   SOLE   0 0 12,494
JOHNSON & JOHNSON COM 478160104   7,988,234 50,965 SH   SOLE   0 0 50,965
ADOBE INC COM 00724F101   7,869,154 13,190 SH   SOLE   0 0 13,190
CVS HEALTH CORP COM 126650100   7,350,308 93,089 SH   SOLE   0 0 93,089
ZOETIS INC CL A 98978V103   7,261,045 36,789 SH   SOLE   0 0 36,789
IQVIA HLDGS INC COM 46266C105   7,196,844 31,104 SH   SOLE   0 0 31,104
SCHLUMBERGER LTD COM STK 806857108   6,365,846 122,326 SH   SOLE   0 0 122,326
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,328,359 14,488 SH   SOLE   0 0 14,488
SALESFORCE INC COM 79466L302   5,979,857 22,725 SH   SOLE   0 0 22,725
NVIDIA CORPORATION COM 67066G104   5,765,852 11,643 SH   SOLE   0 0 11,643
NEXTERA ENERGY INC COM 65339F101   5,354,795 88,159 SH   SOLE   0 0 88,159
DISNEY WALT CO COM 254687106   5,268,873 58,355 SH   SOLE   0 0 58,355
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,099,536 144,014 SH   SOLE   0 0 144,014
UNITED PARCEL SERVICE INC CL B 911312106   4,732,802 30,101 SH   SOLE   0 0 30,101
LOWES COS INC COM 548661107   4,724,737 21,230 SH   SOLE   0 0 21,230
ELI LILLY & CO COM 532457108   3,852,616 6,609 SH   SOLE   0 0 6,609
QUALCOMM INC COM 747525103   3,829,080 26,475 SH   SOLE   0 0 26,475
HF SINCLAIR CORP COM 403949100   3,692,238 66,443 SH   SOLE   0 0 66,443
CARMAX INC COM 143130102   3,332,128 43,421 SH   SOLE   0 0 43,421
ISHARES TR RUS MD CP GR ETF 464287481   3,226,039 30,883 SH   SOLE   0 0 30,883
PINTEREST INC CL A 72352L106   3,225,592 87,084 SH   SOLE   0 0 87,084
NVR INC COM 62944T105   3,199,206 457 SH   SOLE   0 0 457
LAUDER ESTEE COS INC CL A 518439104   3,198,195 21,868 SH   SOLE   0 0 21,868
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   2,916,377 38,612 SH   SOLE   0 0 38,612
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,789,804 59,056 SH   SOLE   0 0 59,056
US BANCORP DEL COM NEW 902973304   2,750,055 63,541 SH   SOLE   0 0 63,541
ISHARES TR RUSSELL 2000 ETF 464287655   2,737,246 13,638 SH   SOLE   0 0 13,638
ILLUMINA INC COM 452327109   2,599,054 18,666 SH   SOLE   0 0 18,666
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,466,547 7,029 SH   SOLE   0 0 7,029
F5 INC COM 315616102   2,399,764 13,408 SH   SOLE   0 0 13,408
SNAP ON INC COM 833034101   2,376,576 8,228 SH   SOLE   0 0 8,228
ISHARES TR ESG AW MSCI EAFE 46435G516   2,374,525 31,434 SH   SOLE   0 0 31,434
ISHARES TR 7-10 YR TRSY BD 464287440   2,268,539 23,535 SH   SOLE   0 0 23,535
WILLIAMS SONOMA INC COM 969904101   2,084,186 10,329 SH   SOLE   0 0 10,329
CISCO SYS INC COM 17275R102   2,080,465 41,181 SH   SOLE   0 0 41,181
ISHARES TR ESG AWR MSCI USA 46435G425   1,983,828 18,908 SH   SOLE   0 0 18,908
BANK AMERICA CORP COM 060505104   1,950,133 57,919 SH   SOLE   0 0 57,919
ISHARES TR ESG AWARE MSCI 46435U663   1,839,951 48,407 SH   SOLE   0 0 48,407
U HAUL HOLDING COMPANY COM 023586100   1,793,349 24,977 SH   SOLE   0 0 24,977
PAYPAL HLDGS INC COM 70450Y103   1,755,590 28,588 SH   SOLE   0 0 28,588
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,742,981 23,141 SH   SOLE   0 0 23,141
TFS FINL CORP COM 87240R107   1,727,750 117,614 SH   SOLE   0 0 117,614
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,645,301 29,172 SH   SOLE   0 0 29,172
ISHARES TR MSCI USA QLT FCT 46432F339   1,584,501 10,769 SH   SOLE   0 0 10,769
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,571,801 4,407 SH   SOLE   0 0 4,407
ISHARES TR RUS 1000 ETF 464287622   1,466,034 5,590 SH   SOLE   0 0 5,590
SYSCO CORP COM 871829107   1,441,466 19,711 SH   SOLE   0 0 19,711
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   1,434,506 16,605 SH   SOLE   0 0 16,605
ISHARES TR CORE S&P500 ETF 464287200   1,250,436 2,618 SH   SOLE   0 0 2,618
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,158,669 24,245 SH   SOLE   0 0 24,245
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,102,682 9,878 SH   SOLE   0 0 9,878
JPMORGAN CHASE & CO COM 46625H100   1,100,377 6,469 SH   SOLE   0 0 6,469
ISHARES TR ESG AWRE USD ETF 46435G193   997,516 42,867 SH   SOLE   0 0 42,867
APPLE INC COM 037833100   948,018 4,924 SH   SOLE   0 0 4,924
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   875,061 10,766 SH   SOLE   0 0 10,766
ISHARES TR MSCI USA VALUE 46432F388   869,268 8,593 SH   SOLE   0 0 8,593
GILEAD SCIENCES INC COM 375558103   863,810 10,663 SH   SOLE   0 0 10,663
ISHARES INC ESG AWR MSCI EM 46434G863   753,763 23,511 SH   SOLE   0 0 23,511
V F CORP COM 918204108   700,564 37,264 SH   SOLE   0 0 37,264
VANGUARD INDEX FDS SML CP GRW ETF 922908595   681,067 2,817 SH   SOLE   0 0 2,817
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   677,019 14,134 SH   SOLE   0 0 14,134
VANGUARD INDEX FDS TOTAL STK MKT 922908769   674,358 2,843 SH   SOLE   0 0 2,843
ISHARES TR MSCI INTL VLU FT 46435G409   660,391 24,911 SH   SOLE   0 0 24,911
TEXAS INSTRS INC COM 882508104   608,031 3,567 SH   SOLE   0 0 3,567
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   600,966 12,087 SH   SOLE   0 0 12,087
CHEVRON CORP NEW COM 166764100   546,821 3,666 SH   SOLE   0 0 3,666
VANGUARD INDEX FDS GROWTH ETF 922908736   544,260 1,751 SH   SOLE   0 0 1,751
ISHARES TR IBOXX INV CP ETF 464287242   538,804 4,869 SH   SOLE   0 0 4,869
INTEL CORP COM 458140100   535,062 10,648 SH   SOLE   0 0 10,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   478,790 4,775 SH   SOLE   0 0 4,775
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   477,734 5,629 SH   SOLE   0 0 5,629
ISHARES TR MORNINGSTAR GRWT 464287119   457,107 6,740 SH   SOLE   0 0 6,740
ALPHABET INC CAP STK CL C 02079K107   448,440 3,182 SH   SOLE   0 0 3,182
HOME DEPOT INC COM 437076102   446,357 1,288 SH   SOLE   0 0 1,288
VANGUARD INDEX FDS SMALL CP ETF 922908751   435,388 2,041 SH   SOLE   0 0 2,041
SPDR S&P 500 ETF TR TR UNIT 78462F103   430,681 906 SH   SOLE   0 0 906
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   425,961 12,397 SH   SOLE   0 0 12,397
COCA COLA CO COM 191216100   417,696 7,088 SH   SOLE   0 0 7,088
MICROSOFT CORP COM 594918104   415,901 1,106 SH   SOLE   0 0 1,106
ISHARES TR ESG AW MSCI EAFE 46435G516   414,791 5,491 SH   SOLE   0 0 5,491
MASTERCARD INCORPORATED CL A 57636Q104   394,133 924 SH   SOLE   0 0 924
ALPHABET INC CAP STK CL A 02079K305   381,075 2,728 SH   SOLE   0 0 2,728
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   360,941 8,782 SH   SOLE   0 0 8,782
ISHARES TR SELECT DIVID ETF 464287168   360,452 3,075 SH   SOLE   0 0 3,075
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   344,729 4,687 SH   SOLE   0 0 4,687
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   324,603 6,203 SH   SOLE   0 0 6,203
TESLA INC COM 88160R101   322,031 1,296 SH   SOLE   0 0 1,296
MARRIOTT INTL INC NEW CL A 571903202   312,106 1,384 SH   SOLE   0 0 1,384
KENVUE INC COM 49177J102   309,042 14,354 SH   SOLE   0 0 14,354
PEPSICO INC COM 713448108   296,674 1,747 SH   SOLE   0 0 1,747
VISA INC COM CL A 92826C839   295,498 1,135 SH   SOLE   0 0 1,135
ISHARES TR RUS 1000 GRW ETF 464287614   287,406 948 SH   SOLE   0 0 948
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   286,595 5,105 SH   SOLE   0 0 5,105
ADVANCED MICRO DEVICES INC COM 007903107   271,530 1,842 SH   SOLE   0 0 1,842
ISHARES GOLD TR ISHARES NEW 464285204   266,341 6,824 SH   SOLE   0 0 6,824
ISHARES TR ESG AWARE MSCI 46435U663   262,612 6,909 SH   SOLE   0 0 6,909
ISHARES TR S&P 500 GRWT ETF 464287309   241,973 3,222 SH   SOLE   0 0 3,222
INVESCO QQQ TR UNIT SER 1 46090E103   239,467 585 SH   SOLE   0 0 585
AMER STATES WTR CO COM 029899101   234,907 2,921 SH   SOLE   0 0 2,921
ISHARES TR MSCI USA QLT FCT 46432F339   231,157 1,571 SH   SOLE   0 0 1,571
ISHARES TR MSCI USA MIN VOL 46429B697   226,912 2,908 SH   SOLE   0 0 2,908
ISHARES TR CORE MSCI INTL 46435G326   224,402 3,525 SH   SOLE   0 0 3,525
FIRST SOLAR INC COM 336433107   222,931 1,294 SH   SOLE   0 0 1,294
MASCO CORP COM 574599106   222,374 3,320 SH   SOLE   0 0 3,320
HAVERTY FURNITURE COS INC COM 419596101   212,915 5,998 SH   SOLE   0 0 5,998
FISERV INC COM 337738108   212,766 1,602 SH   SOLE   0 0 1,602