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
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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   61,191,024 116,392 SH   SOLE   0 0 116,392
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   50,787,882 1,012,316 SH   SOLE   0 0 1,012,316
APPLE INC COM 037833100   38,667,394 225,492 SH   SOLE   0 0 225,492
MICROSOFT CORP COM 594918104   28,987,233 68,899 SH   SOLE   0 0 68,899
ISHARES TR CORE S&P SCP ETF 464287804   24,833,445 224,696 SH   SOLE   0 0 224,696
VANGUARD INDEX FDS SML CP GRW ETF 922908595   23,790,961 91,251 SH   SOLE   0 0 91,251
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   19,912,292 476,713 SH   SOLE   0 0 476,713
ALPHABET INC CAP STK CL A 02079K305   18,922,698 125,374 SH   SOLE   0 0 125,374
AMAZON COM INC COM 023135106   17,741,636 98,357 SH   SOLE   0 0 98,357
ISHARES TR CORE MSCI INTL 46435G326   17,268,857 257,245 SH   SOLE   0 0 257,245
ISHARES GOLD TR ISHARES NEW 464285204   15,320,039 364,676 SH   SOLE   0 0 364,676
SHERWIN WILLIAMS CO COM 824348106   14,403,105 41,468 SH   SOLE   0 0 41,468
ISHARES TR IBOXX INV CP ETF 464287242   13,964,153 128,206 SH   SOLE   0 0 128,206
U HAUL HOLDING COMPANY COM SER N 023586506   12,367,273 185,472 SH   SOLE   0 0 185,472
ISHARES TR CORE S&P MCP ETF 464287507   11,586,990 190,764 SH   SOLE   0 0 190,764
VISA INC COM CL A 92826C839   11,148,155 39,946 SH   SOLE   0 0 39,946
NVIDIA CORPORATION COM 67066G104   10,397,275 11,507 SH   SOLE   0 0 11,507
AMGEN INC COM 031162100   10,211,975 35,917 SH   SOLE   0 0 35,917
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   10,071,123 49,161 SH   SOLE   0 0 49,161
JOHNSON & JOHNSON COM 478160104   9,293,010 58,746 SH   SOLE   0 0 58,746
COSTCO WHSL CORP NEW COM 22160K105   9,113,918 12,440 SH   SOLE   0 0 12,440
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,096,225 233,117 SH   SOLE   0 0 233,117
STARBUCKS CORP COM 855244109   8,905,665 97,447 SH   SOLE   0 0 97,447
WATSCO INC COM 942622200   8,442,854 19,545 SH   SOLE   0 0 19,545
HONEYWELL INTL INC COM 438516106   8,422,867 41,037 SH   SOLE   0 0 41,037
IQVIA HLDGS INC COM 46266C105   7,810,255 30,884 SH   SOLE   0 0 30,884
NIKE INC CL B 654106103   7,703,481 81,969 SH   SOLE   0 0 81,969
CVS HEALTH CORP COM 126650100   7,407,551 92,873 SH   SOLE   0 0 92,873
DISNEY WALT CO COM 254687106   7,004,009 57,241 SH   SOLE   0 0 57,241
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,849,495 14,249 SH   SOLE   0 0 14,249
SCHLUMBERGER LTD COM STK 806857108   6,720,090 122,607 SH   SOLE   0 0 122,607
ADOBE INC COM 00724F101   6,189,424 12,266 SH   SOLE   0 0 12,266
ZOETIS INC CL A 98978V103   6,163,475 36,425 SH   SOLE   0 0 36,425
SALESFORCE INC COM 79466L302   6,158,228 20,447 SH   SOLE   0 0 20,447
NEXTERA ENERGY INC COM 65339F101   5,663,211 88,612 SH   SOLE   0 0 88,612
LOWES COS INC COM 548661107   5,387,540 21,150 SH   SOLE   0 0 21,150
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,037,685 139,201 SH   SOLE   0 0 139,201
DISCOVER FINL SVCS COM 254709108   4,992,039 38,081 SH   SOLE   0 0 38,081
ELI LILLY & CO COM 532457108   4,909,058 6,310 SH   SOLE   0 0 6,310
UNITED PARCEL SERVICE INC CL B 911312106   4,433,059 29,826 SH   SOLE   0 0 29,826
CARMAX INC COM 143130102   4,431,983 50,878 SH   SOLE   0 0 50,878
QUALCOMM INC COM 747525103   4,242,489 25,059 SH   SOLE   0 0 25,059
HF SINCLAIR CORP COM 403949100   4,011,647 66,451 SH   SOLE   0 0 66,451
NVR INC COM 62944T105   3,669,282 453 SH   SOLE   0 0 453
ISHARES TR RUS MD CP GR ETF 464287481   3,521,790 30,855 SH   SOLE   0 0 30,855
LAUDER ESTEE COS INC CL A 518439104   3,372,957 21,881 SH   SOLE   0 0 21,881
PROGRESSIVE CORP COM 743315103   3,327,321 16,088 SH   SOLE   0 0 16,088
WILLIAMS SONOMA INC COM 969904101   3,242,617 10,212 SH   SOLE   0 0 10,212
PINTEREST INC CL A 72352L106   3,005,369 86,685 SH   SOLE   0 0 86,685
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,904,422 58,985 SH   SOLE   0 0 58,985
SNAP ON INC COM 833034101   2,885,480 9,741 SH   SOLE   0 0 9,741
ISHARES TR RUSSELL 2000 ETF 464287655   2,865,930 13,628 SH   SOLE   0 0 13,628
US BANCORP DEL COM NEW 902973304   2,830,941 63,332 SH   SOLE   0 0 63,332
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   2,800,350 38,209 SH   SOLE   0 0 38,209
ILLUMINA INC COM 452327109   2,682,959 19,538 SH   SOLE   0 0 19,538
ISHARES TR 7-10 YR TRSY BD 464287440   2,443,554 25,814 SH   SOLE   0 0 25,814
ISHARES TR ESG AW MSCI EAFE 46435G516   2,342,243 29,311 SH   SOLE   0 0 29,311
BANK AMERICA CORP COM 060505104   2,195,417 57,896 SH   SOLE   0 0 57,896
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,163,887 6,243 SH   SOLE   0 0 6,243
ISHARES TR ESG AWARE MSCI 46435U663   2,152,472 53,451 SH   SOLE   0 0 53,451
CISCO SYS INC COM 17275R102   2,046,410 41,002 SH   SOLE   0 0 41,002
ISHARES TR ESG AWR MSCI USA 46435G425   2,001,914 17,414 SH   SOLE   0 0 17,414
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,883,721 23,133 SH   SOLE   0 0 23,133
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,838,934 4,373 SH   SOLE   0 0 4,373
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,757,788 28,324 SH   SOLE   0 0 28,324
F5 INC COM 315616102   1,730,388 9,127 SH   SOLE   0 0 9,127
PAYPAL HLDGS INC COM 70450Y103   1,686,541 25,176 SH   SOLE   0 0 25,176
U HAUL HOLDING COMPANY COM 023586100   1,681,882 24,902 SH   SOLE   0 0 24,902
ISHARES TR MSCI USA QLT FCT 46432F339   1,674,841 10,191 SH   SOLE   0 0 10,191
ISHARES TR RUS 1000 ETF 464287622   1,608,072 5,583 SH   SOLE   0 0 5,583
SYSCO CORP COM 871829107   1,606,877 19,794 SH   SOLE   0 0 19,794
ISHARES TR CORE S&P500 ETF 464287200   1,499,908 2,853 SH   SOLE   0 0 2,853
TFS FINL CORP COM 87240R107   1,481,415 117,947 SH   SOLE   0 0 117,947
JPMORGAN CHASE & CO COM 46625H100   1,280,719 6,394 SH   SOLE   0 0 6,394
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   1,260,727 16,558 SH   SOLE   0 0 16,558
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   985,101 8,142 SH   SOLE   0 0 8,142
ISHARES TR ESG AWRE USD ETF 46435G193   967,994 42,105 SH   SOLE   0 0 42,105
ISHARES TR MSCI USA VALUE 46432F388   930,708 8,593 SH   SOLE   0 0 8,593
VANGUARD INDEX FDS SML CP GRW ETF 922908595   921,906 3,536 SH   SOLE   0 0 3,536
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   859,686 10,678 SH   SOLE   0 0 10,678
APPLE INC COM 037833100   834,765 4,868 SH   SOLE   0 0 4,868
GILEAD SCIENCES INC COM 375558103   793,737 10,836 SH   SOLE   0 0 10,836
ISHARES INC ESG AWR MSCI EM 46434G863   744,127 23,088 SH   SOLE   0 0 23,088
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   741,714 14,784 SH   SOLE   0 0 14,784
VANGUARD INDEX FDS TOTAL STK MKT 922908769   727,136 2,798 SH   SOLE   0 0 2,798
ISHARES TR MSCI INTL VLU FT 46435G409   654,570 23,187 SH   SOLE   0 0 23,187
CHEVRON CORP NEW COM 166764100   641,371 4,066 SH   SOLE   0 0 4,066
SPDR SER TR NUVEEN BLMBRG SH 78468R739   636,977 13,427 SH   SOLE   0 0 13,427
TEXAS INSTRS INC COM 882508104   617,052 3,542 SH   SOLE   0 0 3,542
VANGUARD INDEX FDS GROWTH ETF 922908736   602,594 1,751 SH   SOLE   0 0 1,751
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   580,164 11,828 SH   SOLE   0 0 11,828
V F CORP COM 918204108   569,820 37,146 SH   SOLE   0 0 37,146
ISHARES TR IBOXX INV CP ETF 464287242   547,106 5,023 SH   SOLE   0 0 5,023
ISHARES TR MORNINGSTAR GRWT 464287119   508,736 6,740 SH   SOLE   0 0 6,740
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   506,048 5,629 SH   SOLE   0 0 5,629
ISHARES TR 0-3 MNTH TREASRY 46436E718   497,508 4,940 SH   SOLE   0 0 4,940
ALPHABET INC CAP STK CL C 02079K107   484,492 3,182 SH   SOLE   0 0 3,182
HOME DEPOT INC COM 437076102   484,487 1,263 SH   SOLE   0 0 1,263
MICROSOFT CORP COM 594918104   465,317 1,106 SH   SOLE   0 0 1,106
INTEL CORP COM 458140100   453,582 10,269 SH   SOLE   0 0 10,269
COCA COLA CO COM 191216100   433,644 7,088 SH   SOLE   0 0 7,088
SPDR S&P 500 ETF TR TR UNIT 78462F103   431,588 825 SH   SOLE   0 0 825
ISHARES TR ESG AW MSCI EAFE 46435G516   427,919 5,355 SH   SOLE   0 0 5,355
VANGUARD INDEX FDS SMALL CP ETF 922908751   422,230 1,847 SH   SOLE   0 0 1,847
MASTERCARD INCORPORATED CL A 57636Q104   408,896 849 SH   SOLE   0 0 849
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   401,715 10,931 SH   SOLE   0 0 10,931
ALPHABET INC CAP STK CL A 02079K305   396,041 2,624 SH   SOLE   0 0 2,624
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   384,660 9,209 SH   SOLE   0 0 9,209
ISHARES TR SELECT DIVID ETF 464287168   375,576 3,049 SH   SOLE   0 0 3,049
MARRIOTT INTL INC NEW CL A 571903202   349,198 1,384 SH   SOLE   0 0 1,384
VISA INC COM CL A 92826C839   328,478 1,177 SH   SOLE   0 0 1,177
ISHARES TR RUS 1000 GRW ETF 464287614   326,265 968 SH   SOLE   0 0 968
ADVANCED MICRO DEVICES INC COM 007903107   324,882 1,800 SH   SOLE   0 0 1,800
ISHARES GOLD TR ISHARES NEW 464285204   320,201 7,622 SH   SOLE   0 0 7,622
ISHARES TR ESG AWARE MSCI 46435U663   310,965 7,722 SH   SOLE   0 0 7,722
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   310,197 5,699 SH   SOLE   0 0 5,699
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   299,409 5,105 SH   SOLE   0 0 5,105
PEPSICO INC COM 713448108   295,904 1,691 SH   SOLE   0 0 1,691
ISHARES TR S&P 500 GRWT ETF 464287309   272,066 3,222 SH   SOLE   0 0 3,222
MASCO CORP COM 574599106   261,882 3,320 SH   SOLE   0 0 3,320
ISHARES TR MSCI USA QLT FCT 46432F339   258,194 1,571 SH   SOLE   0 0 1,571
FISERV INC COM 337738108   255,979 1,602 SH   SOLE   0 0 1,602
INVESCO QQQ TR UNIT SER 1 46090E103   252,975 570 SH   SOLE   0 0 570
KENVUE INC COM 49177J102   244,838 11,409 SH   SOLE   0 0 11,409
ISHARES TR MSCI USA MIN VOL 46429B697   243,051 2,908 SH   SOLE   0 0 2,908
ISHARES TR CORE MSCI INTL 46435G326   236,634 3,525 SH   SOLE   0 0 3,525
CROWDSTRIKE HLDGS INC CL A 22788C105   224,413 700 SH   SOLE   0 0 700
FIRST SOLAR INC COM 336433107   219,778 1,302 SH   SOLE   0 0 1,302
LAMAR ADVERTISING CO NEW CL A 512816109   214,938 1,800 SH   SOLE   0 0 1,800
AMER STATES WTR CO COM 029899101   211,014 2,921 SH   SOLE   0 0 2,921
CONSTELLATION ENERGY CORP COM 21037T109   209,620 1,134 SH   SOLE   0 0 1,134
TESLA INC COM 88160R101   208,663 1,187 SH   SOLE   0 0 1,187
PROCTER AND GAMBLE CO COM 742718109   205,907 1,269 SH   SOLE   0 0 1,269
HAVERTY FURNITURE COS INC COM 419596101   204,638 5,998 SH   SOLE   0 0 5,998