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   324,951 3,683 SH   SOLE   0 0 3,683
AMAZON COM INC COM 023135106   255,360 3,040 SH   SOLE   0 0 3,040
AMERICAN CENTY ETF TR US SML CP VALU 025072877   7,949,814 106,695 SH   SOLE   0 0 106,695
AMERICAN CENTY ETF TR US EQT ETF 025072885   478,518 7,036 SH   SOLE   0 0 7,036
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,633,272 83,709 SH   SOLE   0 0 83,709
APPLE INC COM 037833100   1,121,081 8,628 SH   SOLE   0 0 8,628
ARES CAPITAL CORP COM 04010L103   205,022 11,100 SH   SOLE   0 0 11,100
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   116,089 19,316 SH   SOLE   0 0 19,316
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   852,564 2,760 SH   SOLE   0 0 2,760
CHEVRON CORP NEW COM 166764100   248,055 1,382 SH   SOLE   0 0 1,382
CISCO SYS INC COM 17275R102   285,629 5,996 SH   SOLE   0 0 5,996
CONOCOPHILLIPS COM 20825C104   510,974 4,330 SH   SOLE   0 0 4,330
DIAGEO PLC SPON ADR NEW 25243Q205   945,079 5,304 SH   SOLE   0 0 5,304
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,173,695 48,340 SH   SOLE   0 0 48,340
INVESCO QQQ TR UNIT SER 1 46090E103   2,790,847 10,481 SH   SOLE   0 0 10,481
ISHARES INC CORE MSCI EMKT 46434G103   257,037 5,504 SH   SOLE   0 0 5,504
ISHARES TR CORE MSCI EAFE 46432F842   6,041,775 98,017 SH   SOLE   0 0 98,017
ISHARES TR MSCI USA MMENTM 46432F396   1,002,685 6,871 SH   SOLE   0 0 6,871
ISHARES TR ISHS 5-10YR INVT 464288638   2,844,175 57,446 SH   SOLE   0 0 57,446
ISHARES TR CORE S&P TTL STK 464287150   11,302,715 133,287 SH   SOLE   0 0 133,287
ISHARES TR SHRT NAT MUN ETF 464288158   5,328,569 51,104 SH   SOLE   0 0 51,104
ISHARES TR GLOBAL REIT ETF 46434V647   6,308,682 277,793 SH   SOLE   0 0 277,793
ISHARES TR MSCI EAFE ETF 464287465   1,376,162 20,965 SH   SOLE   0 0 20,965
ISHARES TR CORE S&P MCP ETF 464287507   557,798 2,306 SH   SOLE   0 0 2,306
ISHARES TR S&P MC 400GR ETF 464287606   297,856 4,361 SH   SOLE   0 0 4,361
ISHARES TR CORE S&P SCP ETF 464287804   11,112,911 117,423 SH   SOLE   0 0 117,423
ISHARES TR CORE S&P500 ETF 464287200   2,681,590 6,979 SH   SOLE   0 0 6,979
ISHARES TR S&P 500 GRWT ETF 464287309   333,684 5,704 SH   SOLE   0 0 5,704
ISHARES TR RUSSELL 2000 ETF 464287655   1,699,313 9,746 SH   SOLE   0 0 9,746
ISHARES TR SHORT TREAS BD 464288679   214,894 1,955 SH   SOLE   0 0 1,955
ISHARES TR NATIONAL MUN ETF 464288414   12,353,126 117,069 SH   SOLE   0 0 117,069
MICROSOFT CORP COM 594918104   1,057,230 4,408 SH   SOLE   0 0 4,408
NVIDIA CORPORATION COM 67066G104   636,440 4,355 SH   SOLE   0 0 4,355
PROLOGIS INC. COM 74340W103   575,855 5,108 SH   SOLE   0 0 5,108
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   462,747 7,053 SH   SOLE   0 0 7,053
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   844,747 18,852 SH   SOLE   0 0 18,852
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,241,915 116,100 SH   SOLE   0 0 116,100
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,522,508 37,584 SH   SOLE   0 0 37,584
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,096,163 34,832 SH   SOLE   0 0 34,832
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,600,801 152,125 SH   SOLE   0 0 152,125
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   5,395,278 109,593 SH   SOLE   0 0 109,593
SPDR GOLD TR GOLD SHS 78463V107   252,424 1,488 SH   SOLE   0 0 1,488
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,163,642 28,451 SH   SOLE   0 0 28,451
SPDR SER TR S&P 600 SML CAP 78464A813   317,742 3,865 SH   SOLE   0 0 3,865
SPDR SER TR NUVEEN BLMBRG SH 78468R739   286,907 6,107 SH   SOLE   0 0 6,107
SPDR SER TR NUVEEN BLMBRG MU 78468R721   385,900 8,459 SH   SOLE   0 0 8,459
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,595,802 21,501 SH   SOLE   0 0 21,501
SPDR SER TR PORTFOLI S&P1500 78464A805   1,439,460 30,439 SH   SOLE   0 0 30,439
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   450,888 6,053 SH   SOLE   0 0 6,053
TYSON FOODS INC CL A 902494103   220,452 3,541 SH   SOLE   0 0 3,541
UNITEDHEALTH GROUP INC COM 91324P102   290,008 547 SH   SOLE   0 0 547
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,520,096 73,328 SH   SOLE   0 0 73,328
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   316,927 6,682 SH   SOLE   0 0 6,682
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   544,896 1,551 SH   SOLE   0 0 1,551
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   588,585 7,136 SH   SOLE   0 0 7,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769   52,416,170 274,157 SH   SOLE   0 0 274,157
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   16,901,516 433,595 SH   SOLE   0 0 433,595
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,817,841 472,191 SH   SOLE   0 0 472,191
VISA INC COM CL A 92826C839   444,814 2,141 SH   SOLE   0 0 2,141
WALMART INC COM 931142103   341,127 2,406 SH   SOLE   0 0 2,406