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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 230 2,083 SH   SOLE 0 0 0 2,083
ABBOTT LABS COM 002824100 284 2,936 SH   SOLE 0 0 0 2,936
ABBVIE INC COM 00287Y109 730 5,441 SH   SOLE 0 0 0 5,441
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 309 1,202 SH   SOLE 0 0 0 1,202
AEGON N V NY REGISTRY SHS 007924103 40 10,107 SH   SOLE 0 0 0 10,107
ALPHABET INC CAP STK CL C 02079K107 983 10,224 SH   SOLE 0 0 0 10,224
ALPHABET INC CAP STK CL A 02079K305 1,028 10,749 SH   SOLE 0 0 0 10,749
AMAZON COM INC COM 023135106 1,360 12,039 SH   SOLE 0 0 0 12,039
AMERICAN EXPRESS CO COM 025816109 217 1,606 SH   SOLE 0 0 0 1,606
AMGEN INC COM 031162100 261 1,157 SH   SOLE 0 0 0 1,157
APPLE INC COM 037833100 4,167 30,148 SH   SOLE 0 0 0 30,148
ASML HOLDING N V N Y REGISTRY SHS N07059210 752 1,810 SH   SOLE 0 0 0 1,810
ASTRAZENECA PLC SPONSORED ADR 046353108 378 6,886 SH   SOLE 0 0 0 6,886
BANCO SANTANDER S.A. ADR 05964H105 165 71,059 SH   SOLE 0 0 0 71,059
BANK MONTREAL QUE COM 063671101 326 3,724 SH   SOLE 0 0 0 3,724
BANK NOVA SCOTIA HALIFAX COM 064149107 229 4,817 SH   SOLE 0 0 0 4,817
BARCLAYS PLC ADR 06738E204 125 19,514 SH   SOLE 0 0 0 19,514
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 596 2,231 SH   SOLE 0 0 0 2,231
BK OF AMERICA CORP COM 060505104 283 9,359 SH   SOLE 0 0 0 9,359
BRISTOL-MYERS SQUIBB CO COM 110122108 456 6,418 SH   SOLE 0 0 0 6,418
BROADCOM INC COM 11135F101 354 797 SH   SOLE 0 0 0 797
CANADIAN IMPERIAL BK COMM TO COM 136069101 207 4,738 SH   SOLE 0 0 0 4,738
CIGNA CORP NEW COM 125523100 333 1,200 SH   SOLE 0 0 0 1,200
CISCO SYS INC COM 17275R102 396 9,905 SH   SOLE 0 0 0 9,905
COCA COLA CO COM 191216100 509 9,080 SH   SOLE 0 0 0 9,080
COMCAST CORP NEW CL A 20030N101 279 9,514 SH   SOLE 0 0 0 9,514
COSTCO WHSL CORP NEW COM 22160K105 640 1,355 SH   SOLE 0 0 0 1,355
CVS HEALTH CORP COM 126650100 668 7,002 SH   SOLE 0 0 0 7,002
DANAHER CORPORATION COM 235851102 283 1,095 SH   SOLE 0 0 0 1,095
DEERE & CO COM 244199105 222 666 SH   SOLE 0 0 0 666
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 373 14,812 SH   SOLE 0 0 0 14,812
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 767 35,551 SH   SOLE 0 0 0 35,551
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 478 23,815 SH   SOLE 0 0 0 23,815
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 1,614 41,579 SH   SOLE 0 0 0 41,579
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 5,062 227,599 SH   SOLE 0 0 0 227,599
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,597 55,821 SH   SOLE 0 0 0 55,821
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 399 10,246 SH   SOLE 0 0 0 10,246
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 598 23,214 SH   SOLE 0 0 0 23,214
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 814 43,099 SH   SOLE 0 0 0 43,099
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 8,624 212,163 SH   SOLE 0 0 0 212,163
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,347 29,277 SH   SOLE 0 0 0 29,277
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 683 16,687 SH   SOLE 0 0 0 16,687
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 1,062 22,766 SH   SOLE 0 0 0 22,766
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 312 14,637 SH   SOLE 0 0 0 14,637
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 456 22,182 SH   SOLE 0 0 0 22,182
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 396 18,187 SH   SOLE 0 0 0 18,187
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 207 11,155 SH   SOLE 0 0 0 11,155
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 1,572 82,050 SH   SOLE 0 0 0 82,050
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 353 19,127 SH   SOLE 0 0 0 19,127
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 888 43,456 SH   SOLE 0 0 0 43,456
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 455 15,383 SH   SOLE 0 0 0 15,383
DISNEY WALT CO COM 254687106 214 2,270 SH   SOLE 0 0 0 2,270
ELEVANCE HEALTH INC COM 036752103 359 790 SH   SOLE 0 0 0 790
ENBRIDGE INC COM 29250N105 246 6,631 SH   SOLE 0 0 0 6,631
ERICSSON ADR B SEK 10 294821608 156 27,134 SH   SOLE 0 0 0 27,134
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 650 6,508 SH   SOLE 0 0 0 6,508
GOLDMAN SACHS GROUP INC COM 38141G104 225 768 SH   SOLE 0 0 0 768
HOME DEPOT INC COM 437076102 534 1,936 SH   SOLE 0 0 0 1,936
HSBC HLDGS PLC SPON ADR NEW 404280406 227 8,694 SH   SOLE 0 0 0 8,694
ING GROEP N.V. SPONSORED ADR 456837103 139 16,347 SH   SOLE 0 0 0 16,347
INTERNATIONAL BUSINESS MACHS COM 459200101 248 2,088 SH   SOLE 0 0 0 2,088
ISHARES INC CORE MSCI EMKT 46434G103 2,207 51,340 SH   SOLE 0 0 0 51,340
ISHARES TR NATIONAL MUN ETF 464288414 224 2,187 SH   SOLE 0 0 0 2,187
ISHARES TR JPMORGAN USD EMG 464288281 588 7,405 SH   SOLE 0 0 0 7,405
ISHARES TR CORE S&P TTL STK 464287150 595 7,481 SH   SOLE 0 0 0 7,481
ISHARES TR RUS 2000 VAL ETF 464287630 1,002 7,769 SH   SOLE 0 0 0 7,769
ISHARES TR RUS MDCP VAL ETF 464287473 1,636 17,035 SH   SOLE 0 0 0 17,035
ISHARES TR CORE US AGGBD ET 464287226 453 4,704 SH   SOLE 0 0 0 4,704
JOHNSON & JOHNSON COM 478160104 848 5,194 SH   SOLE 0 0 0 5,194
JPMORGAN CHASE & CO COM 46625H100 778 7,449 SH   SOLE 0 0 0 7,449
LILLY ELI & CO COM 532457108 386 1,193 SH   SOLE 0 0 0 1,193
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 52 29,110 SH   SOLE 0 0 0 29,110
LOCKHEED MARTIN CORP COM 539830109 225 582 SH   SOLE 0 0 0 582
LOWES COS INC COM 548661107 272 1,446 SH   SOLE 0 0 0 1,446
MASTERCARD INCORPORATED CL A 57636Q104 554 1,950 SH   SOLE 0 0 0 1,950
MCDONALDS CORP COM 580135101 399 1,729 SH   SOLE 0 0 0 1,729
MCKESSON CORP COM 58155Q103 231 679 SH   SOLE 0 0 0 679
MERCK & CO INC COM 58933Y105 287 3,337 SH   SOLE 0 0 0 3,337
META PLATFORMS INC CL A 30303M102 721 5,312 SH   SOLE 0 0 0 5,312
MICROSOFT CORP COM 594918104 2,652 11,386 SH   SOLE 0 0 0 11,386
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 73 16,279 SH   SOLE 0 0 0 16,279
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 47 21,065 SH   SOLE 0 0 0 21,065
MORGAN STANLEY COM NEW 617446448 246 3,119 SH   SOLE 0 0 0 3,119
NETFLIX INC COM 64110L106 979 4,158 SH   SOLE 0 0 0 4,158
NEXTERA ENERGY INC COM 65339F101 250 3,191 SH   SOLE 0 0 0 3,191
NIKE INC CL B 654106103 367 4,421 SH   SOLE 0 0 0 4,421
NOMURA HLDGS INC SPONSORED ADR 65535H208 45 13,691 SH   SOLE 0 0 0 13,691
NOVARTIS AG SPONSORED ADR 66987V109 577 7,586 SH   SOLE 0 0 0 7,586
NOVO-NORDISK A S ADR 670100205 1,691 16,969 SH   SOLE 0 0 0 16,969
NVIDIA CORPORATION COM 67066G104 367 3,026 SH   SOLE 0 0 0 3,026
ORACLE CORP COM 68389X105 232 3,803 SH   SOLE 0 0 0 3,803
ORANGE SPONSORED ADR 684060106 182 20,212 SH   SOLE 0 0 0 20,212
PEPSICO INC COM 713448108 584 3,576 SH   SOLE 0 0 0 3,576
PFIZER INC COM 717081103 322 7,365 SH   SOLE 0 0 0 7,365
PROCTER AND GAMBLE CO COM 742718109 553 4,379 SH   SOLE 0 0 0 4,379
QUALCOMM INC COM 747525103 317 2,806 SH   SOLE 0 0 0 2,806
RELX PLC SPONSORED ADR 759530108 353 14,527 SH   SOLE 0 0 0 14,527
ROYAL BK CDA COM 780087102 674 7,487 SH   SOLE 0 0 0 7,487
SCHLUMBERGER LTD COM STK 806857108 238 6,636 SH   SOLE 0 0 0 6,636
SCHWAB CHARLES CORP COM 808513105 203 2,820 SH   SOLE 0 0 0 2,820
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,018 190,946 SH   SOLE 0 0 0 190,946
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,399 120,841 SH   SOLE 0 0 0 120,841
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,323 22,618 SH   SOLE 0 0 0 22,618
SHERWIN WILLIAMS CO COM 824348106 210 1,026 SH   SOLE 0 0 0 1,026
SONY GROUP CORPORATION SPONSORED ADR 835699307 447 6,981 SH   SOLE 0 0 0 6,981
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 135 24,477 SH   SOLE 0 0 0 24,477
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 266 20,503 SH   SOLE 0 0 0 20,503
TARGET CORP COM 87612E106 249 1,680 SH   SOLE 0 0 0 1,680
TELEFONICA S A SPONSORED ADR 879382208 61 18,823 SH   SOLE 0 0 0 18,823
TESLA INC COM 88160R101 1,426 5,375 SH   SOLE 0 0 0 5,375
TEXAS INSTRS INC COM 882508104 203 1,312 SH   SOLE 0 0 0 1,312
THERMO FISHER SCIENTIFIC INC COM 883556102 316 624 SH   SOLE 0 0 0 624
TORONTO DOMINION BK ONT COM NEW 891160509 417 6,801 SH   SOLE 0 0 0 6,801
TOYOTA MOTOR CORP ADS 892331307 694 5,327 SH   SOLE 0 0 0 5,327
TRAVELERS COMPANIES INC COM 89417E109 245 1,598 SH   SOLE 0 0 0 1,598
UNILEVER PLC SPON ADR NEW 904767704 596 13,597 SH   SOLE 0 0 0 13,597
UNION PAC CORP COM 907818108 284 1,457 SH   SOLE 0 0 0 1,457
UNITEDHEALTH GROUP INC COM 91324P102 1,331 2,635 SH   SOLE 0 0 0 2,635
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 415 5,816 SH   SOLE 0 0 0 5,816
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,147 24,025 SH   SOLE 0 0 0 24,025
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 439 1,337 SH   SOLE 0 0 0 1,337
VANGUARD INDEX FDS VALUE ETF 922908744 883 7,150 SH   SOLE 0 0 0 7,150
VANGUARD INDEX FDS SM CP VAL ETF 922908611 671 4,680 SH   SOLE 0 0 0 4,680
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 728 5,982 SH   SOLE 0 0 0 5,982
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,863 15,952 SH   SOLE 0 0 0 15,952
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,086 57,154 SH   SOLE 0 0 0 57,154
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 330 4,189 SH   SOLE 0 0 0 4,189
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 542 11,271 SH   SOLE 0 0 0 11,271
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 21,669 374,966 SH   SOLE 0 0 0 374,966
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,573 70,765 SH   SOLE 0 0 0 70,765
VANGUARD WORLD FD ESG US STK ETF 921910733 286 4,542 SH   SOLE 0 0 0 4,542
VISA INC COM CL A 92826C839 610 3,434 SH   SOLE 0 0 0 3,434
WALMART INC COM 931142103 405 3,123 SH   SOLE 0 0 0 3,123