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   385,979 3,721 SH   SOLE   0 0 3,721
AMAZON COM INC COM 023135106   314,002 3,040 SH   SOLE   0 0 3,040
AMERICAN CENTY ETF TR US SML CP VALU 025072877   8,296,372 112,022 SH   SOLE   0 0 112,022
AMERICAN CENTY ETF TR US EQT ETF 025072885   523,591 7,387 SH   SOLE   0 0 7,387
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,148,550 88,039 SH   SOLE   0 0 88,039
APPLE INC COM 037833100   1,422,167 8,624 SH   SOLE   0 0 8,624
ARES CAPITAL CORP COM 04010L103   203,387 11,129 SH   SOLE   0 0 11,129
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   136,178 19,316 SH   SOLE   0 0 19,316
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   835,840 2,707 SH   SOLE   0 0 2,707
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   216,268 8,675 SH   SOLE   0 0 8,675
CHEVRON CORP NEW COM 166764100   232,503 1,425 SH   SOLE   0 0 1,425
CISCO SYS INC COM 17275R102   317,991 6,083 SH   SOLE   0 0 6,083
CONOCOPHILLIPS COM 20825C104   438,371 4,419 SH   SOLE   0 0 4,419
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   13,663,308 579,199 SH   SOLE   0 0 579,199
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   968,189 37,998 SH   SOLE   0 0 37,998
INVESCO QQQ TR UNIT SER 1 46090E103   3,308,462 10,309 SH   SOLE   0 0 10,309
ISHARES INC CORE MSCI EMKT 46434G103   268,540 5,504 SH   SOLE   0 0 5,504
ISHARES TR CORE MSCI EAFE 46432F842   6,345,410 94,920 SH   SOLE   0 0 94,920
ISHARES TR MSCI USA MMENTM 46432F396   955,344 6,871 SH   SOLE   0 0 6,871
ISHARES TR SHRT NAT MUN ETF 464288158   2,619,565 25,025 SH   SOLE   0 0 25,025
ISHARES TR GLOBAL REIT ETF 46434V647   6,648,583 289,951 SH   SOLE   0 0 289,951
ISHARES TR MSCI EAFE ETF 464287465   1,503,944 21,028 SH   SOLE   0 0 21,028
ISHARES TR CORE S&P MCP ETF 464287507   576,869 2,306 SH   SOLE   0 0 2,306
ISHARES TR S&P MC 400GR ETF 464287606   311,855 4,361 SH   SOLE   0 0 4,361
ISHARES TR CORE S&P SCP ETF 464287804   11,540,659 119,345 SH   SOLE   0 0 119,345
ISHARES TR CORE S&P500 ETF 464287200   2,869,129 6,979 SH   SOLE   0 0 6,979
ISHARES TR S&P 500 GRWT ETF 464287309   364,429 5,704 SH   SOLE   0 0 5,704
ISHARES TR RUSSELL 2000 ETF 464287655   1,738,686 9,746 SH   SOLE   0 0 9,746
ISHARES TR CORE S&P TTL STK 464287150   12,270,454 135,510 SH   SOLE   0 0 135,510
ISHARES TR NATIONAL MUN ETF 464288414   10,561,302 98,026 SH   SOLE   0 0 98,026
ISHARES TR ISHS 5-10YR INVT 464288638   2,977,960 58,073 SH   SOLE   0 0 58,073
MICROSOFT CORP COM 594918104   1,291,343 4,479 SH   SOLE   0 0 4,479
NVIDIA CORPORATION COM 67066G104   1,162,190 4,184 SH   SOLE   0 0 4,184
PROLOGIS INC. COM 74340W103   1,628,781 13,054 SH   SOLE   0 0 13,054
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   478,546 7,053 SH   SOLE   0 0 7,053
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   901,338 18,837 SH   SOLE   0 0 18,837
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,615,626 116,097 SH   SOLE   0 0 116,097
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,584,221 37,783 SH   SOLE   0 0 37,783
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,101,845 32,686 SH   SOLE   0 0 32,686
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,891,076 117,907 SH   SOLE   0 0 117,907
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   5,596,893 110,983 SH   SOLE   0 0 110,983
SPDR GOLD TR GOLD SHS 78463V107   272,631 1,488 SH   SOLE   0 0 1,488
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,132,060 27,504 SH   SOLE   0 0 27,504
SPDR SER TR S&P 600 SML CAP 78464A813   324,776 3,865 SH   SOLE   0 0 3,865
SPDR SER TR NUVEEN BLMBRG MU 78468R721   456,870 9,758 SH   SOLE   0 0 9,758
SPDR SER TR NUVEEN BLMBRG SH 78468R739   259,766 5,463 SH   SOLE   0 0 5,463
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,490,841 19,570 SH   SOLE   0 0 19,570
SPDR SER TR PORTFOLI S&P1500 78464A805   1,523,036 30,201 SH   SOLE   0 0 30,201
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   570,585 6,134 SH   SOLE   0 0 6,134
TESLA INC COM 88160R101   306,833 1,479 SH   SOLE   0 0 1,479
TYSON FOODS INC CL A 902494103   210,076 3,541 SH   SOLE   0 0 3,541
UNITEDHEALTH GROUP INC COM 91324P102   257,562 545 SH   SOLE   0 0 545
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,567,621 59,715 SH   SOLE   0 0 59,715
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   325,318 6,650 SH   SOLE   0 0 6,650
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   583,250 1,551 SH   SOLE   0 0 1,551
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   592,582 7,136 SH   SOLE   0 0 7,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769   57,792,198 283,156 SH   SOLE   0 0 283,156
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,662,141 140,152 SH   SOLE   0 0 140,152
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   22,170,913 490,833 SH   SOLE   0 0 490,833
VISA INC COM CL A 92826C839   484,063 2,147 SH   SOLE   0 0 2,147
WALMART INC COM 931142103   354,154 2,402 SH   SOLE   0 0 2,402