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
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 311,523 1,994 SH   SOLE   0 0 1,994
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,527,605 13,285 SH   SOLE   0 0 13,285
APPLE INC COM 037833100 BBG001S5N8V8 3,042,139 13,695 SH   SOLE   0 0 13,695
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 942,667 1,770 SH   SOLE   0 0 1,770
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 368,373 2,202 SH   SOLE   0 0 2,202
GUIDEWIRE SOFTWARE INC COM 40171V100 BBG001TWHGX5 668,876 3,570 SH   SOLE   0 0 3,570
HOME DEPOT INC COM 437076102 BBG001S5RTW7 229,423 626 SH   SOLE   0 0 626
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,308,287 2,790 SH   SOLE   0 0 2,790
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 3,138,677 53,234 SH   SOLE   0 0 53,234
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,174,927 21,770 SH   SOLE   0 0 21,770
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 908,549 9,025 SH   SOLE   0 0 9,025
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 8,031,592 88,230 SH   SOLE   0 0 88,230
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 10,563,987 89,423 SH   SOLE   0 0 89,423
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 8,366,563 176,027 SH   SOLE   0 0 176,027
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 4,976,605 99,552 SH   SOLE   0 0 99,552
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,063,079 18,219 SH   SOLE   0 0 18,219
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 824,640 7,886 SH   SOLE   0 0 7,886
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 39,725,135 325,589 SH   SOLE   0 0 325,589
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,024,510 8,942 SH   SOLE   0 0 8,942
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 2,471,700 24,717 SH   SOLE   0 0 24,717
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 650,992 10,247 SH   SOLE   0 0 10,247
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,302,731 52,454 SH   SOLE   0 0 52,454
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 635,659 6,104 SH   SOLE   0 0 6,104
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,995,606 27,561 SH   SOLE   0 0 27,561
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 3,869,832 73,683 SH   SOLE   0 0 73,683
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 9,086,334 96,890 SH   SOLE   0 0 96,890
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 7,423,373 90,828 SH   SOLE   0 0 90,828
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,200,764 14,115 SH   SOLE   0 0 14,115
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 938,968 6,833 SH   SOLE   0 0 6,833
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 2,831,774 25,636 SH   SOLE   0 0 25,636
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 263,023 1,586 SH   SOLE   0 0 1,586
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 444,950 772 SH   SOLE   0 0 772
MICROSOFT CORP COM 594918104 BBG001S5TD05 976,222 2,601 SH   SOLE   0 0 2,601
NETFLIX INC COM 64110L106 BBG001SF6L46 317,993 341 SH   SOLE   0 0 341
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 718,343 6,628 SH   SOLE   0 0 6,628
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 531,881 3,121 SH   SOLE   0 0 3,121
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 247,701 1,870 SH   SOLE   0 0 1,870
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 12,650,901 458,865 SH   SOLE   0 0 458,865
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 41,230,817 2,084,470 SH   SOLE   0 0 2,084,470
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 6,248,553 174,151 SH   SOLE   0 0 174,151
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 744,060 26,612 SH   SOLE   0 0 26,612
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 619,138 26,425 SH   SOLE   0 0 26,425
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 21,121,414 785,475 SH   SOLE   0 0 785,475
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 808,656 8,816 SH   SOLE   0 0 8,816
SPDR SER TR BLOOMBERG 3-12 M 78468R523 BBG00X8RXGK5 3,541,508 35,597 SH   SOLE   0 0 35,597
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 7,819,323 296,411 SH   SOLE   0 0 296,411
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,540,179 22,646 SH   SOLE   0 0 22,646
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 2,561,172 32,668 SH   SOLE   0 0 32,668
TESLA INC COM 88160R101 BBG001SQKGD7 1,099,876 4,244 SH   SOLE   0 0 4,244
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 654,803 2,476 SH   SOLE   0 0 2,476
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 332,582 635 SH   SOLE   0 0 635
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 866,468 5,030 SH   SOLE   0 0 5,030
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 11,563,780 44,990 SH   SOLE   0 0 44,990
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 21,476,766 83,044 SH   SOLE   0 0 83,044
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 20,517,379 92,525 SH   SOLE   0 0 92,525
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 45,990,301 167,335 SH   SOLE   0 0 167,335
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,500,680 77,346 SH   SOLE   0 0 77,346
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,556,901 13,468 SH   SOLE   0 0 13,468
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 27,199,959 457,912 SH   SOLE   0 0 457,912
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 13,201,136 161,462 SH   SOLE   0 0 161,462
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 1,052,074 18,262 SH   SOLE   0 0 18,262
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,006,875 16,214 SH   SOLE   0 0 16,214
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 13,024,019 256,227 SH   SOLE   0 0 256,227
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 95,504,554 474,250 SH   SOLE   0 0 474,250
VISA INC COM CL A 92826C839 BBG001SRCFY3 221,842 633 SH   SOLE   0 0 633