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
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100   266,419 2,344 SH   SOLE   0 0 2,344
ABBVIE INC COM 00287Y109   552,674 3,035 SH   SOLE   0 0 3,035
ABERCROMBIE & FITCH CO CL A 002896207   220,706 1,761 SH   SOLE   0 0 1,761
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   515,209 1,486 SH   SOLE   0 0 1,486
ADOBE INC COM 00724F101   494,005 979 SH   SOLE   0 0 979
ADVANCED MICRO DEVICES INC COM 007903107   534,431 2,961 SH   SOLE   0 0 2,961
ALPHABET INC CAP STK CL A 02079K305   1,178,615 7,809 SH   SOLE   0 0 7,809
ALPHABET INC CAP STK CL C 02079K107   650,150 4,270 SH   SOLE   0 0 4,270
AMAZON COM INC COM 023135106   2,656,997 14,730 SH   SOLE   0 0 14,730
APPLE INC COM 037833100   4,296,952 25,058 SH   SOLE   0 0 25,058
APPLIED MATLS INC COM 038222105   266,228 1,291 SH   SOLE   0 0 1,291
AT&T INC COM 00206R102   224,129 12,735 SH   SOLE   0 0 12,735
BANK AMERICA CORP COM 060505104   378,859 9,991 SH   SOLE   0 0 9,991
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,435,235 3,413 SH   SOLE   0 0 3,413
BROADCOM INC COM 11135F101   660,054 498 SH   SOLE   0 0 498
CALIDI BIOTHERAPEUTICS INC COM NEW 320703101   364,200 644,602 SH   SOLE   0 0 644,602
CATERPILLAR INC COM 149123101   224,906 614 SH   SOLE   0 0 614
CHEVRON CORP NEW COM 166764100   207,586 1,316 SH   SOLE   0 0 1,316
CHURCH & DWIGHT CO INC COM 171340102   727,505 6,974 SH   SOLE   0 0 6,974
CISCO SYS INC COM 17275R102   639,732 12,818 SH   SOLE   0 0 12,818
COCA COLA CO COM 191216100   347,087 5,673 SH   SOLE   0 0 5,673
COMCAST CORP NEW CL A 20030N101   295,257 6,811 SH   SOLE   0 0 6,811
COSTCO WHSL CORP NEW COM 22160K105   1,479,913 2,020 SH   SOLE   0 0 2,020
CSX CORP COM 126408103   240,696 6,493 SH   SOLE   0 0 6,493
DANAHER CORPORATION COM 235851102   272,445 1,091 SH   SOLE   0 0 1,091
DICKS SPORTING GOODS INC COM 253393102   450,395 2,003 SH   SOLE   0 0 2,003
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,812,673 275,827 SH   SOLE   0 0 275,827
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,172,606 46,093 SH   SOLE   0 0 46,093
DISNEY WALT CO COM 254687106   227,957 1,863 SH   SOLE   0 0 1,863
DUKE ENERGY CORP NEW COM NEW 26441C204   238,293 2,464 SH   SOLE   0 0 2,464
ELI LILLY & CO COM 532457108   464,442 597 SH   SOLE   0 0 597
EXXON MOBIL CORP COM 30231G102   1,144,615 9,847 SH   SOLE   0 0 9,847
HOME DEPOT INC COM 437076102   2,358,373 6,148 SH   SOLE   0 0 6,148
HONEYWELL INTL INC COM 438516106   393,670 1,918 SH   SOLE   0 0 1,918
ILLINOIS TOOL WKS INC COM 452308109   213,054 794 SH   SOLE   0 0 794
INTUIT COM 461202103   251,550 387 SH   SOLE   0 0 387
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   1,167,918 57,083 SH   SOLE   0 0 57,083
INVESCO QQQ TR UNIT SER 1 46090E103   17,357,659 39,093 SH   SOLE   0 0 39,093
ISHARES TR CORE S&P500 ETF 464287200   8,657,196 16,467 SH   SOLE   0 0 16,467
ISHARES TR IBOXX INV CP ETF 464287242   6,302,765 57,866 SH   SOLE   0 0 57,866
ISHARES TR TIPS BD ETF 464287176   1,081,296 10,067 SH   SOLE   0 0 10,067
ISHARES TR IBOXX HI YD ETF 464288513   396,889 5,106 SH   SOLE   0 0 5,106
ISHARES TR NATIONAL MUN ETF 464288414   298,698 2,776 SH   SOLE   0 0 2,776
ISHARES TR BLACKROCK ULTRA 46434V878   719,317 14,227 SH   SOLE   0 0 14,227
ISHARES TR MSCI INTL VLU FT 46435G409   1,801,215 63,805 SH   SOLE   0 0 63,805
ISHARES TR CORE MSCI INTL 46435G326   5,522,718 82,269 SH   SOLE   0 0 82,269
ISHARES U S ETF TR INT RT HDG C B 46431W705   2,635,753 28,028 SH   SOLE   0 0 28,028
JOHNSON & JOHNSON COM 478160104   598,275 3,782 SH   SOLE   0 0 3,782
JPMORGAN CHASE & CO COM 46625H100   953,654 4,761 SH   SOLE   0 0 4,761
LEIDOS HOLDINGS INC COM 525327102   262,311 2,001 SH   SOLE   0 0 2,001
LOCKHEED MARTIN CORP COM 539830109   330,660 727 SH   SOLE   0 0 727
LOWES COS INC COM 548661107   247,598 972 SH   SOLE   0 0 972
MASTERCARD INCORPORATED CL A 57636Q104   1,339,341 2,781 SH   SOLE   0 0 2,781
MCDONALDS CORP COM 580135101   237,891 844 SH   SOLE   0 0 844
MERCK & CO INC COM 58933Y105   1,008,494 7,643 SH   SOLE   0 0 7,643
META PLATFORMS INC CL A 30303M102   796,351 1,640 SH   SOLE   0 0 1,640
MICRON TECHNOLOGY INC COM 595112103   311,701 2,644 SH   SOLE   0 0 2,644
MICROSOFT CORP COM 594918104   3,889,907 9,246 SH   SOLE   0 0 9,246
NETFLIX INC COM 64110L106   299,415 493 SH   SOLE   0 0 493
NIKE INC CL B 654106103   230,909 2,457 SH   SOLE   0 0 2,457
NOVO-NORDISK A S ADR 670100205   781,442 6,086 SH   SOLE   0 0 6,086
NVIDIA CORPORATION COM 67066G104   3,717,968 4,115 SH   SOLE   0 0 4,115
OKTA INC CL A 679295105   354,766 3,391 SH   SOLE   0 0 3,391
PEPSICO INC COM 713448108   256,040 1,463 SH   SOLE   0 0 1,463
PNC FINL SVCS GROUP INC COM 693475105   298,798 1,849 SH   SOLE   0 0 1,849
POPULAR INC COM NEW 733174700   211,592 2,402 SH   SOLE   0 0 2,402
PROCTER AND GAMBLE CO COM 742718109   441,626 2,722 SH   SOLE   0 0 2,722
PROSHARES TR INVT INT RT HG 74347B607   388,306 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105   72,890 37,000 SH   SOLE   0 0 37,000
SALESFORCE INC COM 79466L302   314,432 1,044 SH   SOLE   0 0 1,044
SCHWAB STRATEGIC TR US TIPS ETF 808524870   308,735 5,919 SH   SOLE   0 0 5,919
SERVICENOW INC COM 81762P102   202,036 265 SH   SOLE   0 0 265
SOUTHERN CO COM 842587107   416,790 5,810 SH   SOLE   0 0 5,810
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,768,054 160,939 SH   SOLE   0 0 160,939
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,319,242 146,981 SH   SOLE   0 0 146,981
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,905,544 3,643 SH   SOLE   0 0 3,643
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,836,579 29,796 SH   SOLE   0 0 29,796
STARBUCKS CORP COM 855244109   313,839 3,434 SH   SOLE   0 0 3,434
TESLA INC COM 88160R101   567,274 3,227 SH   SOLE   0 0 3,227
THERMO FISHER SCIENTIFIC INC COM 883556102   206,002 354 SH   SOLE   0 0 354
TRAVELERS COMPANIES INC COM 89417E109   230,140 1,000 SH   SOLE   0 0 1,000
UNION PAC CORP COM 907818108   205,352 835 SH   SOLE   0 0 835
UNITED PARCEL SERVICE INC CL B 911312106   294,733 1,983 SH   SOLE   0 0 1,983
UNITEDHEALTH GROUP INC COM 91324P102   467,986 946 SH   SOLE   0 0 946
US BANCORP DEL COM NEW 902973304   247,325 5,533 SH   SOLE   0 0 5,533
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,205,099 15,718 SH   SOLE   0 0 15,718
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,260,703 56,508 SH   SOLE   0 0 56,508
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,185,364 30,089 SH   SOLE   0 0 30,089
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   20,676,373 417,283 SH   SOLE   0 0 417,283
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,926,936 79,832 SH   SOLE   0 0 79,832
VANGUARD INDEX FDS TOTAL STK MKT 922908769   39,913,344 153,572 SH   SOLE   0 0 153,572
VANGUARD INDEX FDS LARGE CAP ETF 922908637   5,778,456 24,101 SH   SOLE   0 0 24,101
VANGUARD INDEX FDS VALUE ETF 922908744   10,795,338 66,286 SH   SOLE   0 0 66,286
VANGUARD INDEX FDS MID CAP ETF 922908629   10,947,116 43,813 SH   SOLE   0 0 43,813
VANGUARD INDEX FDS SM CP VAL ETF 922908611   515,582 2,687 SH   SOLE   0 0 2,687
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,014,684 69,550 SH   SOLE   0 0 69,550
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,118,846 48,641 SH   SOLE   0 0 48,641
VANGUARD INDEX FDS GROWTH ETF 922908736   2,783,545 8,087 SH   SOLE   0 0 8,087
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,642,308 63,259 SH   SOLE   0 0 63,259
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,375,474 20,331 SH   SOLE   0 0 20,331
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   15,780,947 142,814 SH   SOLE   0 0 142,814
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   287,196 5,997 SH   SOLE   0 0 5,997
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   201,236 3,977 SH   SOLE   0 0 3,977
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,444,728 90,294 SH   SOLE   0 0 90,294
VISA INC COM CL A 92826C839   775,284 2,778 SH   SOLE   0 0 2,778
WALMART INC COM 931142103   1,031,855 17,149 SH   SOLE   0 0 17,149
WASTE MGMT INC DEL COM 94106L109   403,982 1,895 SH   SOLE   0 0 1,895
ZEROFOX HLDGS INC COM 98955G103   23,579 21,053 SH   SOLE   0 0 21,053