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
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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
AMAZON COM INC COM Stock 023135106   1,257,852 9,895 SH   SOLE 0 0 0 9,895
INVESCO QQQ TRUST SERIES I ETF 46090E103   349,132 974 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109   311,151 3,409 SH   SOLE 0 0 0 3,409
JOHNSON & JOHNSON COM Stock 478160104   1,364,197 8,759 SH   SOLE 0 0 0 8,758
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,013,196 4,770 SH   SOLE 0 0 0 4,770
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   202,875 3,278 SH   SOLE 0 0 0 3,278
COSTCO WHSL CORP NEW COM Stock 22160K105   300,852 533 SH   SOLE 0 0 0 532
YUM BRANDS INC COM Stock 988498101   290,486 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   277,191 1,900 SH   SOLE 0 0 0 1,900
VANGUARD REAL ESTATE ETF ETF 922908553   1,325,136 17,514 SH   SOLE 0 0 0 17,514
INTEL CORP COM Stock 458140100   607,376 17,085 SH   SOLE 0 0 0 17,085
NETFLIX INC COM Stock 64110L106   322,848 855 SH   SOLE 0 0 0 855
MERCK & CO INC COM Stock 58933Y105   310,557 3,017 SH   SOLE 0 0 0 3,016
SPDR S&P 500 ETF TRUST ETF 78462F103   551,022 1,289 SH   SOLE 0 0 0 1,289
YUM CHINA HLDGS INC COM Stock 98850P109   250,350 4,493 SH   SOLE 0 0 0 4,493
ISHARES TIPS BOND ETF ETF 464287176   253,165 2,441 SH   SOLE 0 0 0 2,440
ISHARES COHEN & STEERS REIT ETF ETF 464287564   287,367 5,729 SH   SOLE 0 0 0 5,729
FEDEX CORP COM Stock 31428X106   244,786 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   748,699 2,478 SH   SOLE 0 0 0 2,477
SPDR GOLD SHARES ETF 78463V107   920,858 5,371 SH   SOLE 0 0 0 5,371
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   934,472 22,561 SH   SOLE 0 0 0 22,560
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,302,780 26,134 SH   SOLE 0 0 0 26,134
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   9,149,682 269,425 SH   SOLE 0 0 0 269,425
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   5,842,245 115,459 SH   SOLE 0 0 0 115,459
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   858,937 12,483 SH   SOLE 0 0 0 12,482
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   7,062,885 140,751 SH   SOLE 0 0 0 140,751
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   593,756 20,251 SH   SOLE 0 0 0 20,250
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   624,186 6,617 SH   SOLE 0 0 0 6,617
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,437,738 6,959 SH   SOLE 0 0 0 6,959
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   429,319 17,933 SH   SOLE 0 0 0 17,933
ADOBE INC COM Stock 00724F101   377,836 741 SH   SOLE 0 0 0 741
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   6,990,406 93,019 SH   SOLE 0 0 0 93,019
ALPHABET INC CAP STK CL A Stock 02079K305   2,517,746 19,240 SH   SOLE 0 0 0 19,240
INTUIT COM Stock 461202103   290,725 569 SH   SOLE 0 0 0 569
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   257,960 7,999 SH   SOLE 0 0 0 7,998
MICROSOFT CORP COM Stock 594918104   4,648,458 14,722 SH   SOLE 0 0 0 14,721
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,131,987 30,878 SH   SOLE 0 0 0 30,878
BOEING CO COM Stock 097023105   328,754 1,715 SH   SOLE 0 0 0 1,715
VANGUARD SMALL-CAP ETF ETF 922908751   2,783,403 14,722 SH   SOLE 0 0 0 14,721
VANGUARD MID-CAP ETF ETF 922908629   3,190,356 15,321 SH   SOLE 0 0 0 15,320
VANGUARD LARGE-CAP ETF ETF 922908637   3,908,494 19,973 SH   SOLE 0 0 0 19,972
TESLA INC COM Stock 88160R101   7,328,443 29,288 SH   SOLE 0 0 0 29,288
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   1,029,937 20,415 SH   SOLE 0 0 0 20,415
VANGUARD HEALTH CARE ETF ETF 92204A504   826,830 3,517 SH   SOLE 0 0 0 3,516
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,088,472 16,886 SH   SOLE 0 0 0 16,886
SCHWAB US TIPS ETF ETF 808524870   566,801 11,226 SH   SOLE 0 0 0 11,226
VANGUARD S&P 500 ETF ETF 922908363   5,283,742 13,455 SH   SOLE 0 0 0 13,454
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,515,306 64,611 SH   SOLE 0 0 0 64,611
SCHWAB U.S. REIT ETF ETF 808524847   858,550 48,369 SH   SOLE 0 0 0 48,369
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   991,758 12,723 SH   SOLE 0 0 0 12,723
SCHWAB U.S. MID-CAP ETF ETF 808524508   6,749,253 99,723 SH   SOLE 0 0 0 99,723
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,222,775 21,137 SH   SOLE 0 0 0 21,137
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,554,210 66,409 SH   SOLE 0 0 0 66,409
ISHARES RUSSELL 2000 ETF ETF 464287655   908,797 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   422,583 7,188 SH   SOLE 0 0 0 7,188
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,540,430 9,658 SH   SOLE 0 0 0 9,658
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460   194,750 12,500 SH   SOLE 0 0 0 12,500
REGENERON PHARMACEUTICALS COM Stock 75886F107   316,017 384 SH   SOLE 0 0 0 384
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104   215,610 7,199 SH   SOLE 0 0 0 7,199
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   420,162 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   49,059 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,452,425 64,352 SH   SOLE 0 0 0 64,352
SCHWAB US AGGREGATE BOND ETF ETF 808524839   905,118 20,464 SH   SOLE 0 0 0 20,463
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   2,137,788 30,212 SH   SOLE 0 0 0 30,211
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   926,248 18,830 SH   SOLE 0 0 0 18,830
VISA INC COM CL A Stock 92826C839   547,104 2,379 SH   SOLE 0 0 0 2,378
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   521,658 19,911 SH   SOLE 0 0 0 19,910
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   6,386,157 139,771 SH   SOLE 0 0 0 139,771
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   365,138 7,844 SH   SOLE 0 0 0 7,844
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,070,428 91,937 SH   SOLE 0 0 0 91,937
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   284,209 5,395 SH   SOLE 0 0 0 5,395
INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429   385,093 25,252 SH   SOLE 0 0 0 25,252
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   394,259 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   950,776 6,893 SH   SOLE 0 0 0 6,893
VANGUARD GROWTH ETF ETF 922908736   3,052,891 11,211 SH   SOLE 0 0 0 11,211
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   279,871 11,442 SH   SOLE 0 0 0 11,442
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   3,609,013 77,814 SH   SOLE 0 0 0 77,814
META PLATFORMS INC CL A Stock 30303M102   1,653,256 5,507 SH   SOLE 0 0 0 5,507
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,092,027 158,403 SH   SOLE 0 0 0 158,403
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   1,506,995 59,471 SH   SOLE 0 0 0 59,471
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,702,434 71,591 SH   SOLE 0 0 0 71,591
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   536,163 22,962 SH   SOLE 0 0 0 22,962
JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104   286,610 6,341 SH   SOLE 0 0 0 6,340
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   4,588,556 134,878 SH   SOLE 0 0 0 134,878
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   371,947 15,841 SH   SOLE 0 0 0 15,841
WP CAREY INC COM REIT 92936U109   1,837,708 33,981 SH   SOLE 0 0 0 33,981
BROADCOM INC COM Stock 11135F101   819,256 986 SH   SOLE 0 0 0 986
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   7,070,346 149,542 SH   SOLE 0 0 0 149,542
ISHARES CORE MSCI EAFE ETF ETF 46432F842   430,945 6,697 SH   SOLE 0 0 0 6,696
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   430,875 17,367 SH   SOLE 0 0 0 17,367
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   462,467 7,686 SH   SOLE 0 0 0 7,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   356,555 1,161 SH   SOLE 0 0 0 1,161
NVIDIA CORPORATION COM Stock 67066G104   1,266,691 2,912 SH   SOLE 0 0 0 2,912
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   2,558,521 51,345 SH   SOLE 0 0 0 51,344
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   277,736 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,430,719 27,583 SH   SOLE 0 0 0 27,582
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   223,246 2,569 SH   SOLE 0 0 0 2,569
BLACKSTONE INC COM Stock 09260D107   480,737 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   367,791 14,261 SH   SOLE 0 0 0 14,261
QUALCOMM INC COM Stock 747525103   1,116,540 10,053 SH   SOLE 0 0 0 10,053
CISCO SYS INC COM Stock 17275R102   601,320 11,185 SH   SOLE 0 0 0 11,185
ADVANCED MICRO DEVICES INC COM Stock 007903107   700,307 6,811 SH   SOLE 0 0 0 6,811
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   288,938 3,197 SH   SOLE 0 0 0 3,196
ISHARES S&P 500 VALUE ETF ETF 464287408   414,291 2,693 SH   SOLE 0 0 0 2,693
LULULEMON ATHLETICA INC COM Stock 550021109   771,991 2,002 SH   SOLE 0 0 0 2,002
ISHARES S&P 500 GROWTH ETF ETF 464287309   350,447 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   24,065,256 56,040 SH   SOLE 0 0 0 56,039
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   3,652,700 156,701 SH   SOLE 0 0 0 156,701
SALESFORCE INC COM Stock 79466L302   241,308 1,190 SH   SOLE 0 0 0 1,190
LOCKHEED MARTIN CORP COM Stock 539830109   785,745 1,921 SH   SOLE 0 0 0 1,921
JPMORGAN CHASE & CO COM Stock 46625H100   3,679,829 25,375 SH   SOLE 0 0 0 25,374
CHEVRON CORP NEW COM Stock 166764100   1,975,701 11,717 SH   SOLE 0 0 0 11,716
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   3,969,732 90,799 SH   SOLE 0 0 0 90,799
BANK AMERICA CORP COM Stock 060505104   677,433 24,742 SH   SOLE 0 0 0 24,741
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   257,039 4,897 SH   SOLE 0 0 0 4,896
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   250,183 1,783 SH   SOLE 0 0 0 1,783
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   862,065 21,986 SH   SOLE 0 0 0 21,985
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   581,126 5,625 SH   SOLE 0 0 0 5,624
PFIZER INC COM Stock 717081103   638,634 19,253 SH   SOLE 0 0 0 19,253
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   539,735 5,290 SH   SOLE 0 0 0 5,290
CATERPILLAR INC COM Stock 149123101   468,235 1,715 SH   SOLE 0 0 0 1,715
ALPHABET INC CAP STK CL C Stock 02079K107   506,831 3,844 SH   SOLE 0 0 0 3,844
AMGEN INC COM Stock 031162100   962,968 3,583 SH   SOLE 0 0 0 3,583
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   911,396 5,866 SH   SOLE 0 0 0 5,865
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   483,366 5,140 SH   SOLE 0 0 0 5,140
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,054,321 14,026 SH   SOLE 0 0 0 14,025
LAM RESEARCH CORP COM Stock 512807108   1,650,417 2,633 SH   SOLE 0 0 0 2,633
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   252,184 4,345 SH   SOLE 0 0 0 4,345
EXXON MOBIL CORP COM Stock 30231G102   445,020 3,785 SH   SOLE 0 0 0 3,784
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   8,819,895 284,421 SH   SOLE 0 0 0 284,421
BLACKROCK INC COM Stock 09247X101   283,593 439 SH   SOLE 0 0 0 438
ISHARES CORE S&P MID-CAP ETF ETF 464287507   284,917 1,143 SH   SOLE 0 0 0 1,142
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF ETF 46090F100   153,865 10,292 SH   SOLE 0 0 0 10,291
ISHARES MSCI EAFE ETF ETF 464287465   348,391 5,055 SH   SOLE 0 0 0 5,055
APPLE INC COM Stock 037833100   16,879,268 98,588 SH   SOLE 0 0 0 98,588
DISNEY WALT CO COM Stock 254687106   313,179 3,864 SH   SOLE 0 0 0 3,864