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
ABBVIE INC COM 00287Y109   688,066 5,107 SH   SOLE 0 0 0 5,107
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   414,732 1,344 SH   SOLE 0 0 0 1,344
ADOBE SYSTEMS INCORPORATED COM 00724F101   406,351 831 SH   SOLE 0 0 0 831
ADVANCED MICRO DEVICES INC COM 007903107   238,414 2,093 SH   SOLE 0 0 0 2,093
AEGON N V NY REGISTRY SHS 007924103   51,423 10,143 SH   SOLE 0 0 0 10,143
AFLAC INC COM 001055102   205,282 2,941 SH   SOLE 0 0 0 2,941
ALPHABET INC CAP STK CL A 02079K305   1,386,964 11,587 SH   SOLE 0 0 0 11,587
ALPHABET INC CAP STK CL C 02079K107   1,378,695 11,397 SH   SOLE 0 0 0 11,397
AMAZON COM INC COM 023135106   1,478,934 11,345 SH   SOLE 0 0 0 11,345
AMERICAN EXPRESS CO COM 025816109   282,554 1,622 SH   SOLE 0 0 0 1,622
AMERIPRISE FINL INC COM 03076C106   210,922 635 SH   SOLE 0 0 0 635
AMGEN INC COM 031162100   329,700 1,485 SH   SOLE 0 0 0 1,485
APPLE INC COM 037833100   5,364,996 27,659 SH   SOLE 0 0 0 27,659
APPLIED MATLS INC COM 038222105   276,794 1,915 SH   SOLE 0 0 0 1,915
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,291,505 1,782 SH   SOLE 0 0 0 1,782
ASTRAZENECA PLC SPONSORED ADR 046353108   492,688 6,884 SH   SOLE 0 0 0 6,884
AUTOMATIC DATA PROCESSING IN COM 053015103   383,753 1,746 SH   SOLE 0 0 0 1,746
BANCO SANTANDER S.A. ADR 05964H105   255,055 68,748 SH   SOLE 0 0 0 68,748
BANK AMERICA CORP COM 060505104   209,953 7,318 SH   SOLE 0 0 0 7,318
BANK MONTREAL QUE COM 063671101   250,254 2,771 SH   SOLE 0 0 0 2,771
BARCLAYS PLC ADR 06738E204   105,080 13,369 SH   SOLE 0 0 0 13,369
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   762,135 2,235 SH   SOLE 0 0 0 2,235
BLACKROCK INC COM 09247X101   221,165 320 SH   SOLE 0 0 0 320
BOOKING HOLDINGS INC COM 09857L108   278,134 103 SH   SOLE 0 0 0 103
BRISTOL-MYERS SQUIBB CO COM 110122108   483,846 7,566 SH   SOLE 0 0 0 7,566
BROADCOM INC COM 11135F101   868,297 1,001 SH   SOLE 0 0 0 1,001
CATERPILLAR INC COM 149123101   291,569 1,185 SH   SOLE 0 0 0 1,185
CISCO SYS INC COM 17275R102   523,739 10,123 SH   SOLE 0 0 0 10,123
COCA COLA CO COM 191216100   517,772 8,598 SH   SOLE 0 0 0 8,598
COMCAST CORP NEW CL A 20030N101   464,737 11,185 SH   SOLE 0 0 0 11,185
COSTCO WHSL CORP NEW COM 22160K105   871,637 1,619 SH   SOLE 0 0 0 1,619
CVS HEALTH CORP COM 126650100   485,293 7,020 SH   SOLE 0 0 0 7,020
D R HORTON INC COM 23331A109   259,200 2,130 SH   SOLE 0 0 0 2,130
DANAHER CORPORATION COM 235851102   264,720 1,103 SH   SOLE 0 0 0 1,103
DEERE & CO COM 244199105   261,348 645 SH   SOLE 0 0 0 645
DIAGEO PLC SPON ADR NEW 25243Q205   235,759 1,359 SH   SOLE 0 0 0 1,359
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   283,036 9,133 SH   SOLE 0 0 0 9,133
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   870,470 31,862 SH   SOLE 0 0 0 31,862
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   233,896 9,970 SH   SOLE 0 0 0 9,970
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,417,445 29,432 SH   SOLE 0 0 0 29,432
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,067,552 260,315 SH   SOLE 0 0 0 260,315
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,192,178 40,003 SH   SOLE 0 0 0 40,003
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   411,616 8,873 SH   SOLE 0 0 0 8,873
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   614,558 18,708 SH   SOLE 0 0 0 18,708
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   848,997 36,422 SH   SOLE 0 0 0 36,422
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   8,763,875 212,149 SH   SOLE 0 0 0 212,149
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,656,873 35,747 SH   SOLE 0 0 0 35,747
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   688,128 16,490 SH   SOLE 0 0 0 16,490
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   745,791 15,658 SH   SOLE 0 0 0 15,658
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   503,353 23,390 SH   SOLE 0 0 0 23,390
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   247,568 9,633 SH   SOLE 0 0 0 9,633
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,423,796 99,868 SH   SOLE 0 0 0 99,868
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   449,166 19,683 SH   SOLE 0 0 0 19,683
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,414,453 58,813 SH   SOLE 0 0 0 58,813
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   205,137 5,946 SH   SOLE 0 0 0 5,946
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,132,831 37,203 SH   SOLE 0 0 0 37,203
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   8,524,935 280,057 SH   SOLE 0 0 0 280,057
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   553,404 19,279 SH   SOLE 0 0 0 19,279
DISNEY WALT CO COM 254687106   230,878 2,586 SH   SOLE 0 0 0 2,586
ELEVANCE HEALTH INC COM 036752103   350,989 790 SH   SOLE 0 0 0 790
ENBRIDGE INC COM 29250N105   203,842 5,487 SH   SOLE 0 0 0 5,487
ERICSSON ADR B SEK 10 294821608   88,639 16,264 SH   SOLE 0 0 0 16,264
GILEAD SCIENCES INC COM 375558103   258,647 3,356 SH   SOLE 0 0 0 3,356
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   413,785 4,135 SH   SOLE 0 0 0 4,135
GOLDMAN SACHS GROUP INC COM 38141G104   235,454 730 SH   SOLE 0 0 0 730
GRAINGER W W INC COM 384802104   220,017 279 SH   SOLE 0 0 0 279
HOME DEPOT INC COM 437076102   741,187 2,386 SH   SOLE 0 0 0 2,386
HSBC HLDGS PLC SPON ADR NEW 404280406   315,336 7,959 SH   SOLE 0 0 0 7,959
ING GROEP N.V. SPONSORED ADR 456837103   208,206 15,457 SH   SOLE 0 0 0 15,457
INTERNATIONAL BUSINESS MACHS COM 459200101   300,403 2,245 SH   SOLE 0 0 0 2,245
ISHARES INC CORE MSCI EMKT 46434G103   830,307 16,845 SH   SOLE 0 0 0 16,845
ISHARES TR JPMORGAN USD EMG 464288281   640,527 7,402 SH   SOLE 0 0 0 7,402
ISHARES TR CORE S&P TTL STK 464287150   431,183 4,407 SH   SOLE 0 0 0 4,407
ISHARES TR CORE US AGGBD ET 464287226   509,417 5,201 SH   SOLE 0 0 0 5,201
ISHARES TR RUS MDCP VAL ETF 464287473   1,377,924 12,545 SH   SOLE 0 0 0 12,545
ISHARES TR RUS 2000 VAL ETF 464287630   1,076,444 7,645 SH   SOLE 0 0 0 7,645
ISHARES TR CORE MSCI INTL 46435G326   222,966 3,648 SH   SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,302,957 12,948 SH   SOLE 0 0 0 12,948
JOHNSON & JOHNSON COM 478160104   841,669 5,085 SH   SOLE 0 0 0 5,085
JPMORGAN CHASE & CO COM 46625H100   1,039,605 7,148 SH   SOLE 0 0 0 7,148
KROGER CO COM 501044101   207,364 4,412 SH   SOLE 0 0 0 4,412
LAM RESEARCH CORP COM 512807108   232,715 362 SH   SOLE 0 0 0 362
LILLY ELI & CO COM 532457108   600,294 1,280 SH   SOLE 0 0 0 1,280
LINDE PLC SHS G54950103   203,878 535 SH   SOLE 0 0 0 535
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   64,033 29,106 SH   SOLE 0 0 0 29,106
LOCKHEED MARTIN CORP COM 539830109   267,941 582 SH   SOLE 0 0 0 582
LOWES COS INC COM 548661107   301,761 1,337 SH   SOLE 0 0 0 1,337
MARATHON PETE CORP COM 56585A102   240,662 2,064 SH   SOLE 0 0 0 2,064
MASTERCARD INCORPORATED CL A 57636Q104   831,830 2,115 SH   SOLE 0 0 0 2,115
MCDONALDS CORP COM 580135101   502,522 1,684 SH   SOLE 0 0 0 1,684
MCKESSON CORP COM 58155Q103   293,135 686 SH   SOLE 0 0 0 686
MERCK & CO INC COM 58933Y105   376,402 3,262 SH   SOLE 0 0 0 3,262
META PLATFORMS INC CL A 30303M102   1,830,358 6,378 SH   SOLE 0 0 0 6,378
MICROSOFT CORP COM 594918104   3,658,762 10,744 SH   SOLE 0 0 0 10,744
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   119,873 16,265 SH   SOLE 0 0 0 16,265
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   64,673 21,066 SH   SOLE 0 0 0 21,066
MORGAN STANLEY COM NEW 617446448   257,823 3,019 SH   SOLE 0 0 0 3,019
NETFLIX INC COM 64110L106   1,220,363 2,771 SH   SOLE 0 0 0 2,771
NEXTERA ENERGY INC COM 65339F101   236,772 3,191 SH   SOLE 0 0 0 3,191
NIKE INC CL B 654106103   387,840 3,514 SH   SOLE 0 0 0 3,514
NOKIA CORP SPONSORED ADR 654902204   58,901 14,159 SH   SOLE 0 0 0 14,159
NOMURA HLDGS INC SPONSORED ADR 65535H208   46,868 12,237 SH   SOLE 0 0 0 12,237
NOVARTIS AG SPONSORED ADR 66987V109   559,647 5,546 SH   SOLE 0 0 0 5,546
NOVO-NORDISK A S ADR 670100205   2,102,657 12,993 SH   SOLE 0 0 0 12,993
NVIDIA CORPORATION COM 67066G104   1,319,822 3,120 SH   SOLE 0 0 0 3,120
ORACLE CORP COM 68389X105   508,395 4,269 SH   SOLE 0 0 0 4,269
ORANGE SPONSORED ADR 684060106   235,268 20,212 SH   SOLE 0 0 0 20,212
PACCAR INC COM 693718108   200,258 2,394 SH   SOLE 0 0 0 2,394
PEPSICO INC COM 713448108   503,984 2,721 SH   SOLE 0 0 0 2,721
PFIZER INC COM 717081103   417,565 11,384 SH   SOLE 0 0 0 11,384
PROCTER AND GAMBLE CO COM 742718109   630,631 4,156 SH   SOLE 0 0 0 4,156
QUALCOMM INC COM 747525103   316,289 2,657 SH   SOLE 0 0 0 2,657
RAYTHEON TECHNOLOGIES CORP COM 75513E101   244,508 2,496 SH   SOLE 0 0 0 2,496
REGENERON PHARMACEUTICALS COM 75886F107   205,502 286 SH   SOLE 0 0 0 286
RELX PLC SPONSORED ADR 759530108   405,740 12,137 SH   SOLE 0 0 0 12,137
ROYAL BK CDA COM 780087102   579,650 6,069 SH   SOLE 0 0 0 6,069
S&P GLOBAL INC COM 78409V104   207,661 518 SH   SOLE 0 0 0 518
SALESFORCE INC COM 79466L302   251,822 1,192 SH   SOLE 0 0 0 1,192
SAP SE SPON ADR 803054204   206,446 1,509 SH   SOLE 0 0 0 1,509
SCHLUMBERGER LTD COM STK 806857108   286,763 5,838 SH   SOLE 0 0 0 5,838
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,577,279 146,562 SH   SOLE 0 0 0 146,562
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,194,393 117,655 SH   SOLE 0 0 0 117,655
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,527,599 22,769 SH   SOLE 0 0 0 22,769
SHERWIN WILLIAMS CO COM 824348106   299,772 1,129 SH   SOLE 0 0 0 1,129
SONY GROUP CORPORATION SPONSORED ADR 835699307   554,196 6,155 SH   SOLE 0 0 0 6,155
STELLANTIS N.V SHS N82405106   178,312 10,166 SH   SOLE 0 0 0 10,166
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   210,064 24,426 SH   SOLE 0 0 0 24,426
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   322,102 20,503 SH   SOLE 0 0 0 20,503
TELEFONICA S A SPONSORED ADR 879382208   75,831 18,817 SH   SOLE 0 0 0 18,817
TESLA INC COM 88160R101   1,348,377 5,151 SH   SOLE 0 0 0 5,151
TEXAS INSTRS INC COM 882508104   226,645 1,259 SH   SOLE 0 0 0 1,259
THE CIGNA GROUP COM 125523100   312,869 1,115 SH   SOLE 0 0 0 1,115
THERMO FISHER SCIENTIFIC INC COM 883556102   332,355 637 SH   SOLE 0 0 0 637
TJX COS INC NEW COM 872540109   235,971 2,783 SH   SOLE 0 0 0 2,783
TORONTO DOMINION BK ONT COM NEW 891160509   330,513 5,330 SH   SOLE 0 0 0 5,330
TOYOTA MOTOR CORP ADS 892331307   677,561 4,215 SH   SOLE 0 0 0 4,215
TRAVELERS COMPANIES INC COM 89417E109   282,545 1,627 SH   SOLE 0 0 0 1,627
U HAUL HOLDING COMPANY COM SER N 023586506   221,783 4,377 SH   SOLE 0 0 0 4,377
UNILEVER PLC SPON ADR NEW 904767704   548,199 10,516 SH   SOLE 0 0 0 10,516
UNION PAC CORP COM 907818108   272,349 1,331 SH   SOLE 0 0 0 1,331
UNITED PARCEL SERVICE INC CL B 911312106   206,675 1,153 SH   SOLE 0 0 0 1,153
UNITEDHEALTH GROUP INC COM 91324P102   1,031,453 2,146 SH   SOLE 0 0 0 2,146
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   396,310 5,452 SH   SOLE 0 0 0 5,452
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,204,220 24,636 SH   SOLE 0 0 0 24,636
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   684,065 1,680 SH   SOLE 0 0 0 1,680
VANGUARD INDEX FDS VALUE ETF 922908744   911,490 6,414 SH   SOLE 0 0 0 6,414
VANGUARD INDEX FDS SM CP VAL ETF 922908611   732,038 4,426 SH   SOLE 0 0 0 4,426
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   798,670 5,772 SH   SOLE 0 0 0 5,772
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,505,795 15,915 SH   SOLE 0 0 0 15,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,022,524 49,718 SH   SOLE 0 0 0 49,718
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   456,774 4,710 SH   SOLE 0 0 0 4,710
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   437,584 9,228 SH   SOLE 0 0 0 9,228
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   21,378,848 370,325 SH   SOLE 0 0 0 370,325
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,151,014 68,233 SH   SOLE 0 0 0 68,233
VANGUARD WORLD FD ESG US STK ETF 921910733   275,400 3,515 SH   SOLE 0 0 0 3,515
VERIZON COMMUNICATIONS INC COM 92343V104   265,537 7,140 SH   SOLE 0 0 0 7,140
VISA INC COM CL A 92826C839   807,669 3,401 SH   SOLE 0 0 0 3,401
WALMART INC COM 931142103   551,859 3,511 SH   SOLE 0 0 0 3,511