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 455,893 2,570 SH   SOLE   0 0 2,570
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,790,861 12,721 SH   SOLE   0 0 12,721
APPLE INC COM 037833100 BBG001S5N8V8 2,723,287 13,273 SH   SOLE   0 0 13,273
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 859,813 1,770 SH   SOLE   0 0 1,770
BROADCOM INC COM 11135F101 BBG00KHY5SY8 284,747 1,033 SH   SOLE   0 0 1,033
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 315,305 2,202 SH   SOLE   0 0 2,202
GUIDEWIRE SOFTWARE INC COM 40171V100 BBG001TWHGX5 847,385 3,599 SH   SOLE   0 0 3,599
HOME DEPOT INC COM 437076102 BBG001S5RTW7 266,181 726 SH   SOLE   0 0 726
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,362,000 2,469 SH   SOLE   0 0 2,469
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 3,317,864 53,205 SH   SOLE   0 0 53,205
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,317,839 21,953 SH   SOLE   0 0 21,953
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 1,596,490 15,855 SH   SOLE   0 0 15,855
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 22,318,738 269,355 SH   SOLE   0 0 269,355
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 8,772,051 73,659 SH   SOLE   0 0 73,659
ISHARES TR A RATE CP BD ETF 46429B291 BBG002NCM1M2 6,343,501 132,598 SH   SOLE   0 0 132,598
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 5,086,112 99,552 SH   SOLE   0 0 99,552
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,117,291 18,015 SH   SOLE   0 0 18,015
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 849,075 7,769 SH   SOLE   0 0 7,769
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 44,213,491 327,410 SH   SOLE   0 0 327,410
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,303,107 8,541 SH   SOLE   0 0 8,541
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 2,768,304 24,717 SH   SOLE   0 0 24,717
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 703,179 9,675 SH   SOLE   0 0 9,675
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 2,253,537 51,275 SH   SOLE   0 0 51,275
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 491,210 4,703 SH   SOLE   0 0 4,703
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,479,927 22,625 SH   SOLE   0 0 22,625
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 3,783,431 70,997 SH   SOLE   0 0 70,997
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 8,834,208 94,091 SH   SOLE   0 0 94,091
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 8,007,378 89,578 SH   SOLE   0 0 89,578
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,278,651 13,903 SH   SOLE   0 0 13,903
ISHARES TR RUS TOP 200 ETF 464289446 BBG001T5LBQ8 1,275,577 8,331 SH   SOLE   0 0 8,331
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 5,661,581 51,273 SH   SOLE   0 0 51,273
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 242,262 1,586 SH   SOLE   0 0 1,586
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 570,544 773 SH   SOLE   0 0 773
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,291,564 2,597 SH   SOLE   0 0 2,597
NETFLIX INC COM 64110L106 BBG001SF6L46 455,305 340 SH   SOLE   0 0 340
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,046,052 6,621 SH   SOLE   0 0 6,621
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 497,238 3,121 SH   SOLE   0 0 3,121
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 273,058 1,870 SH   SOLE   0 0 1,870
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 13,671,957 453,615 SH   SOLE   0 0 453,615
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 44,448,387 2,011,239 SH   SOLE   0 0 2,011,239
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 7,379,326 173,264 SH   SOLE   0 0 173,264
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 793,074 29,927 SH   SOLE   0 0 29,927
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 643,278 25,426 SH   SOLE   0 0 25,426
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 9,048,464 339,148 SH   SOLE   0 0 339,148
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,608,607 17,536 SH   SOLE   0 0 17,536
SPDR SERIES TRUST BLOOMBERG 3-12 M 78468R523 BBG00X8RXGK5 7,304,521 73,464 SH   SOLE   0 0 73,464
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 5,033,985 193,169 SH   SOLE   0 0 193,169
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 BBG001SG6843 1,640,909 21,911 SH   SOLE   0 0 21,911
TESLA INC COM 88160R101 BBG001SQKGD7 1,404,693 4,422 SH   SOLE   0 0 4,422
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 662,430 2,476 SH   SOLE   0 0 2,476
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 1,158,573 6,012 SH   SOLE   0 0 6,012
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 12,835,647 44,990 SH   SOLE   0 0 44,990
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 29,553,349 105,612 SH   SOLE   0 0 105,612
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 24,925,498 105,180 SH   SOLE   0 0 105,180
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 50,479,401 166,089 SH   SOLE   0 0 166,089
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,800,853 76,847 SH   SOLE   0 0 76,847
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,807,949 13,453 SH   SOLE   0 0 13,453
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 10,075,447 200,427 SH   SOLE   0 0 200,427
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 22,737,293 380,159 SH   SOLE   0 0 380,159
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 13,069,695 157,618 SH   SOLE   0 0 157,618
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,024,951 14,835 SH   SOLE   0 0 14,835
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 14,418,514 252,912 SH   SOLE   0 0 252,912
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 108,197,917 481,051 SH   SOLE   0 0 481,051
VISA INC COM CL A 92826C839 BBG001SRCFY3 225,457 635 SH   SOLE   0 0 635