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   778,189 8,820 SH   SOLE   0 0 8,820
ALPHABET INC CAP STK CL C 02079K107   798,570 9,000 SH   SOLE   0 0 9,000
AMAZON COM INC COM 023135106   218,400 2,600 SH   SOLE   0 0 2,600
APPLE INC COM 037833100   4,858,180 37,391 SH   SOLE   0 0 37,391
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   203,256 658 SH   SOLE   0 0 658
BOOKING HOLDINGS INC COM 09857L108   566,294 281 SH   SOLE   0 0 281
CHEVRON CORP NEW COM 166764100   288,799 1,609 SH   SOLE   0 0 1,609
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,072,503 208,917 SH   SOLE   0 0 208,917
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,123,532 144,608 SH   SOLE   0 0 144,608
GILEAD SCIENCES INC COM 375558103   11,419,535 133,017 SH   SOLE   0 0 133,017
GOLDMAN SACHS GROUP INC COM 38141G104   228,004 664 SH   SOLE   0 0 664
ISHARES TR RUS 1000 GRW ETF 464287614   2,785,179 13,000 SH   SOLE   0 0 13,000
ISHARES TR RUS 1000 ETF 464287622   932,797 4,431 SH   SOLE   0 0 4,431
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   31,879,664 635,940 SH   SOLE   0 0 635,940
JOHNSON & JOHNSON COM 478160104   2,548,974 14,430 SH   SOLE   0 0 14,430
LILLY ELI & CO COM 532457108   289,648 792 SH   SOLE   0 0 792
MASTERCARD INCORPORATED CL A 57636Q104   1,263,232 3,633 SH   SOLE   0 0 3,633
META PLATFORMS INC CL A 30303M102   237,190 1,971 SH   SOLE   0 0 1,971
MICROSOFT CORP COM 594918104   414,120 1,727 SH   SOLE   0 0 1,727
SCHWAB CHARLES CORP COM 808513105   1,405,928 16,886 SH   SOLE   0 0 16,886
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,567,579 351,702 SH   SOLE   0 0 351,702
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,580,925 82,450 SH   SOLE   0 0 82,450
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,420,055 67,369 SH   SOLE   0 0 67,369
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   5,566,380 248,277 SH   SOLE   0 0 248,277
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,867,555 63,994 SH   SOLE   0 0 63,994
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701   377,823 7,799 SH   SOLE   0 0 7,799
TESLA INC COM 88160R101   938,016 7,615 SH   SOLE   0 0 7,615
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   818,662 10,875 SH   SOLE   0 0 10,875
VANGUARD INDEX FDS SMALL CP ETF 922908751   366,852 1,999 SH   SOLE   0 0 1,999
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   21,621,985 142,390 SH   SOLE   0 0 142,390
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,679,865 90,485 SH   SOLE   0 0 90,485
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   220,268 888 SH   SOLE   0 0 888
VISA INC COM CL A 92826C839   484,032 2,330 SH   SOLE   0 0 2,330
WELLS FARGO CO NEW COM 949746101   441,649 10,696 SH   SOLE   0 0 10,696