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   244,604 2,354 SH   SOLE   0 0 2,354
ABBVIE INC COM 00287Y109   513,531 2,994 SH   SOLE   0 0 2,994
ABERCROMBIE & FITCH CO CL A 002896207   313,176 1,761 SH   SOLE   0 0 1,761
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   439,698 1,449 SH   SOLE   0 0 1,449
ADOBE INC COM 00724F101   543,876 979 SH   SOLE   0 0 979
ADVANCED MICRO DEVICES INC COM 007903107   480,304 2,961 SH   SOLE   0 0 2,961
ALPHABET INC CAP STK CL A 02079K305   1,429,480 7,848 SH   SOLE   0 0 7,848
ALPHABET INC CAP STK CL C 02079K107   783,203 4,270 SH   SOLE   0 0 4,270
AMAZON COM INC COM 023135106   2,674,773 13,841 SH   SOLE   0 0 13,841
AMGEN INC COM 031162100   201,530 645 SH   SOLE   0 0 645
APPLE INC COM 037833100   5,150,609 24,455 SH   SOLE   0 0 24,455
APPLIED MATLS INC COM 038222105   304,672 1,291 SH   SOLE   0 0 1,291
AT&T INC COM 00206R102   244,964 12,819 SH   SOLE   0 0 12,819
BANK AMERICA CORP COM 060505104   397,342 9,991 SH   SOLE   0 0 9,991
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,388,408 3,413 SH   SOLE   0 0 3,413
BROADCOM INC COM 11135F101   799,530 498 SH   SOLE   0 0 498
CALIDI BIOTHERAPEUTICS INC COM NEW 320703101   124,920 624,602 SH   SOLE   0 0 624,602
CATERPILLAR INC COM 149123101   205,259 616 SH   SOLE   0 0 616
CHEVRON CORP NEW COM 166764100   205,849 1,316 SH   SOLE   0 0 1,316
CHURCH & DWIGHT CO INC COM 171340102   723,935 6,982 SH   SOLE   0 0 6,982
CISCO SYS INC COM 17275R102   609,537 12,830 SH   SOLE   0 0 12,830
COCA COLA CO COM 191216100   362,055 5,688 SH   SOLE   0 0 5,688
COMCAST CORP NEW CL A 20030N101   265,508 6,780 SH   SOLE   0 0 6,780
COSTCO WHSL CORP NEW COM 22160K105   1,695,730 1,995 SH   SOLE   0 0 1,995
CSX CORP COM 126408103   215,217 6,434 SH   SOLE   0 0 6,434
DANAHER CORPORATION COM 235851102   262,093 1,049 SH   SOLE   0 0 1,049
DICKS SPORTING GOODS INC COM 253393102   430,345 2,003 SH   SOLE   0 0 2,003
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,091,026 42,920 SH   SOLE   0 0 42,920
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   8,878,960 275,402 SH   SOLE   0 0 275,402
DUKE ENERGY CORP NEW COM NEW 26441C204   246,967 2,464 SH   SOLE   0 0 2,464
ELI LILLY & CO COM 532457108   540,512 597 SH   SOLE   0 0 597
EXXON MOBIL CORP COM 30231G102   1,148,092 9,973 SH   SOLE   0 0 9,973
HOME DEPOT INC COM 437076102   2,116,388 6,148 SH   SOLE   0 0 6,148
HONEYWELL INTL INC COM 438516106   409,570 1,918 SH   SOLE   0 0 1,918
INTUIT COM 461202103   255,650 389 SH   SOLE   0 0 389
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   1,101,360 55,068 SH   SOLE   0 0 55,068
INVESCO QQQ TR UNIT SER 1 46090E103   18,976,179 39,607 SH   SOLE   0 0 39,607
ISHARES TR IBOXX INV CP ETF 464287242   5,936,055 55,415 SH   SOLE   0 0 55,415
ISHARES TR BLACKROCK ULTRA 46434V878   718,890 14,227 SH   SOLE   0 0 14,227
ISHARES TR CORE MSCI INTL 46435G326   5,287,368 80,551 SH   SOLE   0 0 80,551
ISHARES TR IBOXX HI YD ETF 464288513   343,659 4,455 SH   SOLE   0 0 4,455
ISHARES TR NATIONAL MUN ETF 464288414   222,263 2,086 SH   SOLE   0 0 2,086
ISHARES TR TIPS BD ETF 464287176   950,449 8,901 SH   SOLE   0 0 8,901
ISHARES TR CORE S&P500 ETF 464287200   8,917,113 16,295 SH   SOLE   0 0 16,295
ISHARES TR MSCI INTL VLU FT 46435G409   1,750,809 63,805 SH   SOLE   0 0 63,805
ISHARES U S ETF TR INT RT HDG C B 46431W705   2,579,737 27,760 SH   SOLE   0 0 27,760
JOHNSON & JOHNSON COM 478160104   552,777 3,782 SH   SOLE   0 0 3,782
JPMORGAN CHASE & CO. COM 46625H100   963,002 4,761 SH   SOLE   0 0 4,761
LEIDOS HOLDINGS INC COM 525327102   291,906 2,001 SH   SOLE   0 0 2,001
LOCKHEED MARTIN CORP COM 539830109   329,217 705 SH   SOLE   0 0 705
LOWES COS INC COM 548661107   214,287 972 SH   SOLE   0 0 972
MASTERCARD INCORPORATED CL A 57636Q104   1,222,921 2,772 SH   SOLE   0 0 2,772
MCDONALDS CORP COM 580135101   215,860 847 SH   SOLE   0 0 847
MERCK & CO INC COM 58933Y105   946,203 7,643 SH   SOLE   0 0 7,643
META PLATFORMS INC CL A 30303M102   826,921 1,640 SH   SOLE   0 0 1,640
MICRON TECHNOLOGY INC COM 595112103   347,765 2,644 SH   SOLE   0 0 2,644
MICROSOFT CORP COM 594918104   4,133,301 9,248 SH   SOLE   0 0 9,248
NETFLIX INC COM 64110L106   332,720 493 SH   SOLE   0 0 493
NOVO-NORDISK A S ADR 670100205   855,869 5,996 SH   SOLE   0 0 5,996
NVIDIA CORPORATION COM 67066G104   4,705,396 38,088 SH   SOLE   0 0 38,088
OKTA INC CL A 679295105   317,432 3,391 SH   SOLE   0 0 3,391
PEPSICO INC COM 713448108   242,117 1,468 SH   SOLE   0 0 1,468
PNC FINL SVCS GROUP INC COM 693475105   287,483 1,849 SH   SOLE   0 0 1,849
POPULAR INC COM NEW 733174700   212,409 2,402 SH   SOLE   0 0 2,402
PROCTER AND GAMBLE CO COM 742718109   449,101 2,723 SH   SOLE   0 0 2,723
PROSHARES TR INVT INT RT HG 74347B607   387,261 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105   38,850 37,000 SH   SOLE   0 0 37,000
SALESFORCE INC COM 79466L302   270,726 1,053 SH   SOLE   0 0 1,053
SCHWAB STRATEGIC TR US TIPS ETF 808524870   232,641 4,473 SH   SOLE   0 0 4,473
SERVICENOW INC COM 81762P102   208,468 265 SH   SOLE   0 0 265
SOUTHERN CO COM 842587107   451,520 5,821 SH   SOLE   0 0 5,821
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,492,399 145,803 SH   SOLE   0 0 145,803
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,670,261 161,638 SH   SOLE   0 0 161,638
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,982,593 3,643 SH   SOLE   0 0 3,643
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,744,388 29,112 SH   SOLE   0 0 29,112
STARBUCKS CORP COM 855244109   268,185 3,445 SH   SOLE   0 0 3,445
TESLA INC COM 88160R101   638,568 3,227 SH   SOLE   0 0 3,227
TEXAS INSTRS INC COM 882508104   202,700 1,042 SH   SOLE   0 0 1,042
TRAVELERS COMPANIES INC COM 89417E109   203,340 1,000 SH   SOLE   0 0 1,000
UNITED PARCEL SERVICE INC CL B 911312106   261,794 1,913 SH   SOLE   0 0 1,913
UNITEDHEALTH GROUP INC COM 91324P102   479,723 942 SH   SOLE   0 0 942
US BANCORP DEL COM NEW 902973304   213,745 5,384 SH   SOLE   0 0 5,384
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,153,338 15,037 SH   SOLE   0 0 15,037
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   22,743,843 459,286 SH   SOLE   0 0 459,286
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,086,136 28,954 SH   SOLE   0 0 28,954
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,212,637 56,251 SH   SOLE   0 0 56,251
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,664,364 75,290 SH   SOLE   0 0 75,290
VANGUARD INDEX FDS SM CP VAL ETF 922908611   483,130 2,647 SH   SOLE   0 0 2,647
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,582,571 48,535 SH   SOLE   0 0 48,535
VANGUARD INDEX FDS MID CAP ETF 922908629   10,580,012 43,701 SH   SOLE   0 0 43,701
VANGUARD INDEX FDS TOTAL STK MKT 922908769   41,563,276 155,371 SH   SOLE   0 0 155,371
VANGUARD INDEX FDS VALUE ETF 922908744   10,590,268 66,020 SH   SOLE   0 0 66,020
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,849,463 69,836 SH   SOLE   0 0 69,836
VANGUARD INDEX FDS GROWTH ETF 922908736   3,024,619 8,087 SH   SOLE   0 0 8,087
VANGUARD INDEX FDS LARGE CAP ETF 922908637   6,074,003 24,333 SH   SOLE   0 0 24,333
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   15,990,757 141,976 SH   SOLE   0 0 141,976
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,290,585 19,496 SH   SOLE   0 0 19,496
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,624,615 59,978 SH   SOLE   0 0 59,978
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   291,094 5,997 SH   SOLE   0 0 5,997
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,320,691 88,237 SH   SOLE   0 0 88,237
VISA INC COM CL A 92826C839   729,142 2,778 SH   SOLE   0 0 2,778
WALMART INC COM 931142103   1,161,159 17,149 SH   SOLE   0 0 17,149
WASTE MGMT INC DEL COM 94106L109   402,222 1,885 SH   SOLE   0 0 1,885