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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 646 6,080 SH   SOLE 0 0 0 6,080
INVESCO QQQ TRUST ETF 46090E103 242 862 SH   SOLE 0 0 0 862
STARBUCKS CORP COM Stock 855244109 203 2,664 SH   SOLE 0 0 0 2,663
JOHNSON & JOHNSON COM Stock 478160104 1,427 8,042 SH   SOLE 0 0 0 8,041
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 778 4,127 SH   SOLE 0 0 0 4,127
COSTCO WHSL CORP NEW COM Stock 22160K105 258 538 SH   SOLE 0 0 0 538
PROCTER AND GAMBLE CO COM Stock 742718109 295 2,053 SH   SOLE 0 0 0 2,052
VANGUARD REAL ESTATE ETF ETF 922908553 1,657 18,185 SH   SOLE 0 0 0 18,185
INTEL CORP COM Stock 458140100 572 15,277 SH   SOLE 0 0 0 15,276
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 470 10,639 SH   SOLE 0 0 0 10,639
MERCK & CO INC COM Stock 58933Y105 203 2,232 SH   SOLE 0 0 0 2,232
SPDR S&P 500 ETF ETF 78462F103 530 1,406 SH   SOLE 0 0 0 1,406
ISHARES TIPS BOND ETF ETF 464287176 308 2,706 SH   SOLE 0 0 0 2,706
ISHARES COHEN & STEERS REIT ETF ETF 464287564 377 6,199 SH   SOLE 0 0 0 6,199
HOME DEPOT INC COM Stock 437076102 662 2,415 SH   SOLE 0 0 0 2,414
SPDR GOLD SHARES ETF 78463V107 838 4,974 SH   SOLE 0 0 0 4,974
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 890 22,837 SH   SOLE 0 0 0 22,837
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,188 26,877 SH   SOLE 0 0 0 26,877
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 8,329 264,847 SH   SOLE 0 0 0 264,846
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,342 97,218 SH   SOLE 0 0 0 97,217
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 884 12,251 SH   SOLE 0 0 0 12,251
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 8,044 160,596 SH   SOLE 0 0 0 160,596
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 722 24,289 SH   SOLE 0 0 0 24,289
ISHARES S&P SMALL-CAP FUND ETF 464287804 634 6,863 SH   SOLE 0 0 0 6,862
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,615 5,916 SH   SOLE 0 0 0 5,916
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 524 20,637 SH   SOLE 0 0 0 20,637
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6,805 89,233 SH   SOLE 0 0 0 89,232
ALPHABET INC CAP STK CL A Stock 02079K305 1,517 696 SH   SOLE 0 0 0 696
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 296 9,464 SH   SOLE 0 0 0 9,463
MICROSOFT CORP COM Stock 594918104 3,061 11,918 SH   SOLE 0 0 0 11,917
SPDR GOLD MINISHARES TRUST ETF 98149E303 1,070 29,831 SH   SOLE 0 0 0 29,831
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,692 15,288 SH   SOLE 0 0 0 15,288
VANGUARD MID-CAP INDEX FUND ETF 922908629 3,234 16,418 SH   SOLE 0 0 0 16,418
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,257 18,897 SH   SOLE 0 0 0 18,896
TESLA INC COM Stock 88160R101 6,643 9,864 SH   SOLE 0 0 0 9,864
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 2,123 41,914 SH   SOLE 0 0 0 41,914
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 704 2,991 SH   SOLE 0 0 0 2,990
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,203 19,270 SH   SOLE 0 0 0 19,270
SCHWAB U.S. TIPS ETF ETF 808524870 671 12,034 SH   SOLE 0 0 0 12,034
VANGUARD S&P 500 ETF ETF 922908363 6,096 17,574 SH   SOLE 0 0 0 17,574
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,427 54,815 SH   SOLE 0 0 0 54,815
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 778 7,666 SH   SOLE 0 0 0 7,665
SCHWAB U.S. REIT ETF ETF 808524847 1,929 91,482 SH   SOLE 0 0 0 91,482
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1,830 26,775 SH   SOLE 0 0 0 26,775
SCHWAB U.S. MID-CAP ETF ETF 808524508 5,246 83,634 SH   SOLE 0 0 0 83,634
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,290 24,444 SH   SOLE 0 0 0 24,444
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,132 60,690 SH   SOLE 0 0 0 60,690
ISHARES RUSSELL 2000 ETF ETF 464287655 243 1,432 SH   SOLE 0 0 0 1,432
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 469 7,568 SH   SOLE 0 0 0 7,568
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,571 10,485 SH   SOLE 0 0 0 10,485
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 782 32,394 SH   SOLE 0 0 0 32,394
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 76 20,000 SH   SOLE 0 0 0 20,000
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,651 71,268 SH   SOLE 0 0 0 71,268
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,503 31,389 SH   SOLE 0 0 0 31,389
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 505 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,196 16,691 SH   SOLE 0 0 0 16,691
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 286 6,160 SH   SOLE 0 0 0 6,160
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2,500 50,822 SH   SOLE 0 0 0 50,821
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 209 8,973 SH   SOLE 0 0 0 8,973
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4,504 111,980 SH   SOLE 0 0 0 111,980
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1,151 53,697 SH   SOLE 0 0 0 53,697
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 372 8,063 SH   SOLE 0 0 0 8,063
VANGUARD VALUE INDEX FUND ETF 922908744 1,460 11,073 SH   SOLE 0 0 0 11,073
VANGUARD GROWTH INDEX FUND ETF 922908736 2,650 11,890 SH   SOLE 0 0 0 11,890
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 671 27,806 SH   SOLE 0 0 0 27,806
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 2,448 52,210 SH   SOLE 0 0 0 52,210
META PLATFORMS INC CL A Stock 30303M102 1,170 7,256 SH   SOLE 0 0 0 7,256
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 1,821 78,804 SH   SOLE 0 0 0 78,804
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 2,428 76,821 SH   SOLE 0 0 0 76,821
WP CAREY INC COM REIT 92936U109 2,618 31,599 SH   SOLE 0 0 0 31,599
BROADCOM INC COM Stock 11135F101 460 946 SH   SOLE 0 0 0 945
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11,244 224,348 SH   SOLE 0 0 0 224,348
ISHARES CORE MSCI EAFE ETF ETF 46432F842 395 6,720 SH   SOLE 0 0 0 6,720
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 445 7,686 SH   SOLE 0 0 0 7,686
NVIDIA CORPORATION COM Stock 67066G104 217 1,429 SH   SOLE 0 0 0 1,429
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,363 66,536 SH   SOLE 0 0 0 66,535
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 296 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,413 28,290 SH   SOLE 0 0 0 28,290
PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 3 10,760 SH   SOLE 0 0 0 10,760
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 305 14,370 SH   SOLE 0 0 0 14,370
QUALCOMM INC COM Stock 747525103 1,188 9,303 SH   SOLE 0 0 0 9,303
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 217 3,032 SH   SOLE 0 0 0 3,031
ISHARES S&P 500 VALUE ETF ETF 464287408 373 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 507 1,859 SH   SOLE 0 0 0 1,859
ISHARES S&P 500 GROWTH ETF ETF 464287309 309 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200 21,469 56,625 SH   SOLE 0 0 0 56,625
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 603 25,616 SH   SOLE 0 0 0 25,616
LOCKHEED MARTIN CORP COM Stock 539830109 737 1,714 SH   SOLE 0 0 0 1,714
JPMORGAN CHASE & CO COM Stock 46625H100 2,637 23,419 SH   SOLE 0 0 0 23,418
CHEVRON CORP NEW COM Stock 166764100 1,296 8,951 SH   SOLE 0 0 0 8,951
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,955 96,946 SH   SOLE 0 0 0 96,946
BK OF AMERICA CORP COM Stock 060505104 796 25,566 SH   SOLE 0 0 0 25,565
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 240 5,174 SH   SOLE 0 0 0 5,173
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 248 1,759 SH   SOLE 0 0 0 1,758
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,165 27,960 SH   SOLE 0 0 0 27,960
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 472 4,644 SH   SOLE 0 0 0 4,643
PFIZER INC COM Stock 717081103 1,141 21,768 SH   SOLE 0 0 0 21,767
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 790 7,178 SH   SOLE 0 0 0 7,177
CATERPILLAR INC COM Stock 149123101 352 1,972 SH   SOLE 0 0 0 1,971
ALPHABET INC CAP STK CL C Stock 02079K107 475 217 SH   SOLE 0 0 0 217
AMGEN INC COM Stock 031162100 731 3,005 SH   SOLE 0 0 0 3,005
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 815 5,682 SH   SOLE 0 0 0 5,681
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 608 5,982 SH   SOLE 0 0 0 5,982
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 616 13,160 SH   SOLE 0 0 0 13,160
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,496 19,485 SH   SOLE 0 0 0 19,485
LAM RESEARCH CORP COM Stock 512807108 1,021 2,395 SH   SOLE 0 0 0 2,395
EXXON MOBIL CORP COM Stock 30231G102 333 3,891 SH   SOLE 0 0 0 3,891
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5,766 199,916 SH   SOLE 0 0 0 199,916
ISHARES S&P MIDCAP FUND ETF 464287507 278 1,227 SH   SOLE 0 0 0 1,226
ISHARES MSCI EAFE ETF ETF 464287465 352 5,630 SH   SOLE 0 0 0 5,630
APPLE INC COM Stock 037833100 13,931 101,896 SH   SOLE 0 0 0 101,895
DISNEY WALT CO COM Stock 254687106 426 4,517 SH   SOLE 0 0 0 4,516