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 A 02079K305   280,051 1,152 SH   SOLE 0 0 0 1,152
ALPHABET INC CAP STK CL C 02079K107   400,883 1,646 SH   SOLE 0 0 0 1,646
AMAZON COM INC COM 023135106   636,314 2,898 SH   SOLE 0 0 0 2,898
AMERICAN CENTY ETF TR US SML CP VALU 025072877   428,178 4,302 SH   SOLE 0 0 0 4,302
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   40,660,425 456,705 SH   SOLE 0 0 0 456,705
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   245,106 3,392 SH   SOLE 0 0 0 3,392
APPLE INC COM 037833100   95,615,078 375,506 SH   SOLE 0 0 0 375,506
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   598,261 1,190 SH   SOLE 0 0 0 1,190
BROADCOM INC COM 11135F101   433,502 1,314 SH   SOLE 0 0 0 1,314
ILLUMINA INC COM 452327109   748,743 7,884 SH   SOLE 0 0 0 7,884
ISHARES TR CORE US AGGBD ET 464287226   363,758 3,629 SH   SOLE 0 0 0 3,629
ISHARES TR EAFE SML CP ETF 464288273   482,949 6,295 SH   SOLE 0 0 0 6,295
ISHARES TR MSCI EAFE ETF 464287465   13,201,771 141,392 SH   SOLE 0 0 0 141,392
ISHARES TR CORE S&P500 ETF 464287200   557,527 833 SH   SOLE 0 0 0 833
ISHARES TR RUS 1000 GRW ETF 464287614   13,136,578 28,045 SH   SOLE 0 0 0 28,045
ISHARES TR CORE S&P US VLU 464287663   1,180,010 11,806 SH   SOLE 0 0 0 11,806
ISHARES TR RUS MD CP GR ETF 464287481   1,195,105 8,392 SH   SOLE 0 0 0 8,392
ISHARES TR 1 3 YR TREAS BD 464287457   432,056 5,208 SH   SOLE 0 0 0 5,208
ISHARES TR 7-10 YR TRSY BD 464287440   648,983 6,728 SH   SOLE 0 0 0 6,728
ISHARES TR MSCI USA MMENTM 46432F396   8,067,463 31,458 SH   SOLE 0 0 0 31,458
ISHARES TR MSCI INTL MOMENT 46434V449   1,944,480 40,612 SH   SOLE 0 0 0 40,612
ISHARES TR MSCI USA SMCP MN 46435G433   5,468,680 127,031 SH   SOLE 0 0 0 127,031
ISHARES TR MSCI USA MIN VOL 46429B697   10,129,531 106,470 SH   SOLE 0 0 0 106,470
ISHARES TR MSCI EAFE MIN VL 46429B689   2,530,750 29,833 SH   SOLE 0 0 0 29,833
ISHARES TR CORE MSCI EAFE 46432F842   53,205,883 609,390 SH   SOLE 0 0 0 609,390
JOHNSON & JOHNSON COM 478160104   257,919 1,391 SH   SOLE 0 0 0 1,391
JPMORGAN CHASE & CO. COM 46625H100   318,584 1,010 SH   SOLE 0 0 0 1,010
KLA CORP COM NEW 482480100   302,008 280 SH   SOLE 0 0 0 280
LAM RESEARCH CORP COM NEW 512807306   391,658 2,925 SH   SOLE 0 0 0 2,925
META PLATFORMS INC CL A 30303M102   1,102,304 1,501 SH   SOLE 0 0 0 1,501
MICROSOFT CORP COM 594918104   1,164,352 2,248 SH   SOLE 0 0 0 2,248
NVIDIA CORPORATION COM 67066G104   1,370,057 7,343 SH   SOLE 0 0 0 7,343
ORACLE CORP COM 68389X105   237,929 846 SH   SOLE 0 0 0 846
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   210,453 4,624 SH   SOLE 0 0 0 4,624
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,707,532 73,348 SH   SOLE 0 0 0 73,348
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   453,331 14,207 SH   SOLE 0 0 0 14,207
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   410,157 14,090 SH   SOLE 0 0 0 14,090
SPDR S&P 500 ETF TR TR UNIT 78462F103   23,225,033 34,863 SH   SOLE 0 0 0 34,863
TESLA INC COM 88160R101   338,877 762 SH   SOLE 0 0 0 762
VANGUARD INDEX FDS VALUE ETF 922908744   119,746,577 642,107 SH   SOLE 0 0 0 642,107
VANGUARD INDEX FDS SM CP VAL ETF 922908611   25,938,004 124,278 SH   SOLE 0 0 0 124,278
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   240,435 2,630 SH   SOLE 0 0 0 2,630
VANGUARD INDEX FDS GROWTH ETF 922908736   68,951,065 143,765 SH   SOLE 0 0 0 143,765
VANGUARD INDEX FDS SML CP GRW ETF 922908595   29,950,380 100,633 SH   SOLE 0 0 0 100,633
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,147,299 46,668 SH   SOLE 0 0 0 46,668
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,308,109 3,986 SH   SOLE 0 0 0 3,986
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,162,537 58,371 SH   SOLE 0 0 0 58,371
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,030,436 7,478 SH   SOLE 0 0 0 7,478
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   20,225,824 399,483 SH   SOLE 0 0 0 399,483
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   8,843,740 147,322 SH   SOLE 0 0 0 147,322
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   235,871 4,008 SH   SOLE 0 0 0 4,008
VANGUARD WORLD FD ESG US STK ETF 921910733   1,362,771 11,506 SH   SOLE 0 0 0 11,506
VANGUARD WORLD FD ESG INTL STK ETF 921910725   526,102 7,584 SH   SOLE 0 0 0 7,584