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   784,768 5,064 SH   SOLE 0 0 0 5,064
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   469,518 1,338 SH   SOLE 0 0 0 1,338
ADOBE INC COM 00724F101   507,110 850 SH   SOLE 0 0 0 850
ADVANCED MICRO DEVICES INC COM 007903107   312,657 2,121 SH   SOLE 0 0 0 2,121
AEGON LTD AMER REG 1 CERT 0076CA104   58,421 10,143 SH   SOLE 0 0 0 10,143
AFLAC INC COM 001055102   246,428 2,987 SH   SOLE 0 0 0 2,987
ALPHABET INC CAP STK CL A 02079K305   1,588,834 11,374 SH   SOLE 0 0 0 11,374
ALPHABET INC CAP STK CL C 02079K107   1,558,122 11,056 SH   SOLE 0 0 0 11,056
AMAZON COM INC COM 023135106   1,795,019 11,814 SH   SOLE 0 0 0 11,814
AMERICAN EXPRESS CO COM 025816109   302,747 1,616 SH   SOLE 0 0 0 1,616
AMERIPRISE FINL INC COM 03076C106   240,812 634 SH   SOLE 0 0 0 634
AMGEN INC COM 031162100   432,606 1,502 SH   SOLE 0 0 0 1,502
APPLE INC COM 037833100   5,528,847 28,717 SH   SOLE 0 0 0 28,717
APPLIED MATLS INC COM 038222105   312,795 1,930 SH   SOLE 0 0 0 1,930
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,480,536 1,956 SH   SOLE 0 0 0 1,956
ASTRAZENECA PLC SPONSORED ADR 046353108   469,093 6,965 SH   SOLE 0 0 0 6,965
AUTOMATIC DATA PROCESSING IN COM 053015103   406,999 1,747 SH   SOLE 0 0 0 1,747
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   169,346 18,589 SH   SOLE 0 0 0 18,589
BANCO SANTANDER S.A. ADR 05964H105   284,658 68,758 SH   SOLE 0 0 0 68,758
BANK AMERICA CORP COM 060505104   246,262 7,314 SH   SOLE 0 0 0 7,314
BANK MONTREAL QUE COM 063671101   274,163 2,771 SH   SOLE 0 0 0 2,771
BANK NOVA SCOTIA HALIFAX COM 064149107   200,408 4,116 SH   SOLE 0 0 0 4,116
BARCLAYS PLC ADR 06738E204   125,276 15,898 SH   SOLE 0 0 0 15,898
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   785,722 2,203 SH   SOLE 0 0 0 2,203
BLACKROCK INC COM 09247X101   253,282 312 SH   SOLE 0 0 0 312
BOOKING HOLDINGS INC COM 09857L108   368,911 104 SH   SOLE 0 0 0 104
BRISTOL-MYERS SQUIBB CO COM 110122108   320,585 6,248 SH   SOLE 0 0 0 6,248
BROADCOM INC COM 11135F101   1,157,551 1,037 SH   SOLE 0 0 0 1,037
CARRIER GLOBAL CORPORATION COM 14448C104   203,833 3,548 SH   SOLE 0 0 0 3,548
CATERPILLAR INC COM 149123101   352,439 1,192 SH   SOLE 0 0 0 1,192
CGI INC CL A SUB VTG 12532H104   298,365 2,783 SH   SOLE 0 0 0 2,783
CHUBB LIMITED COM H1467J104   200,462 887 SH   SOLE 0 0 0 887
CISCO SYS INC COM 17275R102   512,232 10,139 SH   SOLE 0 0 0 10,139
COCA COLA CO COM 191216100   454,350 7,710 SH   SOLE 0 0 0 7,710
COMCAST CORP NEW CL A 20030N101   388,511 8,860 SH   SOLE 0 0 0 8,860
COSTCO WHSL CORP NEW COM 22160K105   1,037,646 1,572 SH   SOLE 0 0 0 1,572
CVS HEALTH CORP COM 126650100   420,067 5,320 SH   SOLE 0 0 0 5,320
D R HORTON INC COM 23331A109   320,678 2,110 SH   SOLE 0 0 0 2,110
DANAHER CORPORATION COM 235851102   246,840 1,067 SH   SOLE 0 0 0 1,067
DEERE & CO COM 244199105   257,916 645 SH   SOLE 0 0 0 645
DIAGEO PLC SPON ADR NEW 25243Q205   281,415 1,932 SH   SOLE 0 0 0 1,932
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   256,988 9,892 SH   SOLE 0 0 0 9,892
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   638,300 22,287 SH   SOLE 0 0 0 22,287
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,495,762 28,859 SH   SOLE 0 0 0 28,859
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   9,390,442 321,260 SH   SOLE 0 0 0 321,260
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,282,492 38,284 SH   SOLE 0 0 0 38,284
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   582,695 11,135 SH   SOLE 0 0 0 11,135
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   479,940 13,968 SH   SOLE 0 0 0 13,968
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   929,474 38,062 SH   SOLE 0 0 0 38,062
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   8,826,737 213,826 SH   SOLE 0 0 0 213,826
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,353,324 28,788 SH   SOLE 0 0 0 28,788
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   678,400 16,000 SH   SOLE 0 0 0 16,000
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   762,674 15,722 SH   SOLE 0 0 0 15,722
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   493,461 21,700 SH   SOLE 0 0 0 21,700
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   4,127,723 161,681 SH   SOLE 0 0 0 161,681
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   319,334 13,212 SH   SOLE 0 0 0 13,212
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   2,076,446 83,191 SH   SOLE 0 0 0 83,191
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   217,141 5,834 SH   SOLE 0 0 0 5,834
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   3,302,670 103,105 SH   SOLE 0 0 0 103,105
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   10,031,324 317,196 SH   SOLE 0 0 0 317,196
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   1,571,816 50,492 SH   SOLE 0 0 0 50,492
DISNEY WALT CO COM 254687106   257,507 2,852 SH   SOLE 0 0 0 2,852
EATON CORP PLC SHS G29183103   223,963 930 SH   SOLE 0 0 0 930
ELEVANCE HEALTH INC COM 036752103   375,362 796 SH   SOLE 0 0 0 796
ELI LILLY & CO COM 532457108   745,555 1,279 SH   SOLE 0 0 0 1,279
GILEAD SCIENCES INC COM 375558103   269,277 3,324 SH   SOLE 0 0 0 3,324
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   462,307 4,635 SH   SOLE 0 0 0 4,635
GOLDMAN SACHS GROUP INC COM 38141G104   272,739 707 SH   SOLE 0 0 0 707
GRAINGER W W INC COM 384802104   231,205 279 SH   SOLE 0 0 0 279
HOME DEPOT INC COM 437076102   808,155 2,332 SH   SOLE 0 0 0 2,332
HSBC HLDGS PLC SPON ADR NEW 404280406   322,658 7,959 SH   SOLE 0 0 0 7,959
ING GROEP N.V. SPONSORED ADR 456837103   232,164 15,457 SH   SOLE 0 0 0 15,457
INTERNATIONAL BUSINESS MACHS COM 459200101   384,997 2,354 SH   SOLE 0 0 0 2,354
INTUIT COM 461202103   256,887 411 SH   SOLE 0 0 0 411
ISHARES INC CORE MSCI EMKT 46434G103   811,995 16,054 SH   SOLE 0 0 0 16,054
ISHARES TR JPMORGAN USD EMG 464288281   634,122 7,120 SH   SOLE 0 0 0 7,120
ISHARES TR CORE S&P TTL STK 464287150   463,843 4,408 SH   SOLE 0 0 0 4,408
ISHARES TR CORE US AGGBD ET 464287226   523,722 5,277 SH   SOLE 0 0 0 5,277
ISHARES TR RUS MDCP VAL ETF 464287473   1,453,673 12,500 SH   SOLE 0 0 0 12,500
ISHARES TR RUS 2000 VAL ETF 464287630   1,186,896 7,641 SH   SOLE 0 0 0 7,641
ISHARES TR CORE MSCI INTL 46435G326   232,232 3,648 SH   SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   3,893,284 38,828 SH   SOLE 0 0 0 38,828
JOHNSON & JOHNSON COM 478160104   773,512 4,935 SH   SOLE 0 0 0 4,935
JPMORGAN CHASE & CO COM 46625H100   997,807 5,866 SH   SOLE 0 0 0 5,866
KLA CORP COM NEW 482480100   235,427 405 SH   SOLE 0 0 0 405
LAM RESEARCH CORP COM 512807108   284,323 363 SH   SOLE 0 0 0 363
LINDE PLC SHS G54950103   217,676 530 SH   SOLE 0 0 0 530
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   75,677 31,664 SH   SOLE 0 0 0 31,664
LOCKHEED MARTIN CORP COM 539830109   263,786 582 SH   SOLE 0 0 0 582
LOWES COS INC COM 548661107   286,422 1,287 SH   SOLE 0 0 0 1,287
MARATHON PETE CORP COM 56585A102   235,002 1,584 SH   SOLE 0 0 0 1,584
MASTERCARD INCORPORATED CL A 57636Q104   901,642 2,114 SH   SOLE 0 0 0 2,114
MCDONALDS CORP COM 580135101   436,463 1,472 SH   SOLE 0 0 0 1,472
MCKESSON CORP COM 58155Q103   262,973 568 SH   SOLE 0 0 0 568
MERCK & CO INC COM 58933Y105   338,834 3,108 SH   SOLE 0 0 0 3,108
META PLATFORMS INC CL A 30303M102   2,263,928 6,396 SH   SOLE 0 0 0 6,396
MICROSOFT CORP COM 594918104   4,057,848 10,791 SH   SOLE 0 0 0 10,791
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   213,924 24,846 SH   SOLE 0 0 0 24,846
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   84,015 24,423 SH   SOLE 0 0 0 24,423
MORGAN STANLEY COM NEW 617446448   281,802 3,022 SH   SOLE 0 0 0 3,022
NATWEST GROUP PLC SPONS ADR 639057207   61,784 10,974 SH   SOLE 0 0 0 10,974
NETFLIX INC COM 64110L106   1,349,631 2,772 SH   SOLE 0 0 0 2,772
NIKE INC CL B 654106103   292,922 2,698 SH   SOLE 0 0 0 2,698
NOKIA CORP SPONSORED ADR 654902204   67,497 19,736 SH   SOLE 0 0 0 19,736
NOMURA HLDGS INC SPONSORED ADR 65535H208   55,189 12,237 SH   SOLE 0 0 0 12,237
NOVARTIS AG SPONSORED ADR 66987V109   559,980 5,546 SH   SOLE 0 0 0 5,546
NOVO-NORDISK A S ADR 670100205   2,321,625 22,442 SH   SOLE 0 0 0 22,442
NVIDIA CORPORATION COM 67066G104   1,554,991 3,140 SH   SOLE 0 0 0 3,140
ORACLE CORP COM 68389X105   449,659 4,265 SH   SOLE 0 0 0 4,265
ORANGE SPONSORED ADR 684060106   141,298 12,362 SH   SOLE 0 0 0 12,362
PACCAR INC COM 693718108   231,528 2,371 SH   SOLE 0 0 0 2,371
PARKER-HANNIFIN CORP COM 701094104   216,990 471 SH   SOLE 0 0 0 471
PEPSICO INC COM 713448108   418,656 2,465 SH   SOLE 0 0 0 2,465
PFIZER INC COM 717081103   303,101 10,528 SH   SOLE 0 0 0 10,528
PHILLIPS 66 COM 718546104   201,574 1,514 SH   SOLE 0 0 0 1,514
PROCTER AND GAMBLE CO COM 742718109   598,030 4,081 SH   SOLE 0 0 0 4,081
PROGRESSIVE CORP COM 743315103   225,222 1,414 SH   SOLE 0 0 0 1,414
PULTE GROUP INC COM 745867101   236,890 2,295 SH   SOLE 0 0 0 2,295
QUALCOMM INC COM 747525103   383,125 2,649 SH   SOLE 0 0 0 2,649
REGENERON PHARMACEUTICALS COM 75886F107   246,799 281 SH   SOLE 0 0 0 281
RELX PLC SPONSORED ADR 759530108   487,620 12,295 SH   SOLE 0 0 0 12,295
ROYAL BK CDA COM 780087102   613,758 6,069 SH   SOLE 0 0 0 6,069
RTX CORPORATION COM 75513E101   227,851 2,708 SH   SOLE 0 0 0 2,708
S&P GLOBAL INC COM 78409V104   227,749 517 SH   SOLE 0 0 0 517
SALESFORCE INC COM 79466L302   314,189 1,194 SH   SOLE 0 0 0 1,194
SANOFI SPONSORED ADR 80105N105   235,372 4,733 SH   SOLE 0 0 0 4,733
SAP SE SPON ADR 803054204   268,987 1,740 SH   SOLE 0 0 0 1,740
SCHLUMBERGER LTD COM STK 806857108   303,810 5,838 SH   SOLE 0 0 0 5,838
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,103,111 145,556 SH   SOLE 0 0 0 145,556
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,307,430 116,543 SH   SOLE 0 0 0 116,543
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,583,117 22,584 SH   SOLE 0 0 0 22,584
SHERWIN WILLIAMS CO COM 824348106   352,447 1,130 SH   SOLE 0 0 0 1,130
SNAP INC CL A 83304A106   1,357,820 80,202 SH   SOLE 0 0 0 80,202
SONY GROUP CORP SPONSORED ADR 835699307   603,554 6,374 SH   SOLE 0 0 0 6,374
STELLANTIS N.V SHS N82405106   289,401 12,410 SH   SOLE 0 0 0 12,410
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   192,342 19,870 SH   SOLE 0 0 0 19,870
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   224,324 15,720 SH   SOLE 0 0 0 15,720
TARGET CORP COM 87612E106   221,036 1,552 SH   SOLE 0 0 0 1,552
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608   116,411 18,478 SH   SOLE 0 0 0 18,478
TELEFONICA S A SPONSORED ADR 879382208   73,408 18,823 SH   SOLE 0 0 0 18,823
TESLA INC COM 88160R101   1,285,161 5,172 SH   SOLE 0 0 0 5,172
TEXAS INSTRS INC COM 882508104   206,086 1,209 SH   SOLE 0 0 0 1,209
THE CIGNA GROUP COM 125523100   328,796 1,098 SH   SOLE 0 0 0 1,098
THERMO FISHER SCIENTIFIC INC COM 883556102   323,251 609 SH   SOLE 0 0 0 609
TJX COS INC NEW COM 872540109   261,636 2,789 SH   SOLE 0 0 0 2,789
TORONTO DOMINION BK ONT COM NEW 891160509   344,360 5,329 SH   SOLE 0 0 0 5,329
TOTALENERGIES SE SPONSORED ADS 89151E109   207,126 3,074 SH   SOLE 0 0 0 3,074
TOYOTA MOTOR CORP ADS 892331307   781,749 4,263 SH   SOLE 0 0 0 4,263
TRAVELERS COMPANIES INC COM 89417E109   287,449 1,509 SH   SOLE 0 0 0 1,509
U HAUL HOLDING COMPANY COM SER N 023586506   335,365 4,761 SH   SOLE 0 0 0 4,761
UBS GROUP AG SHS H42097107   271,024 8,771 SH   SOLE 0 0 0 8,771
UNILEVER PLC SPON ADR NEW 904767704   509,816 10,516 SH   SOLE 0 0 0 10,516
UNION PAC CORP COM 907818108   333,552 1,358 SH   SOLE 0 0 0 1,358
UNITED RENTALS INC COM 911363109   213,312 372 SH   SOLE 0 0 0 372
UNITEDHEALTH GROUP INC COM 91324P102   1,147,705 2,180 SH   SOLE 0 0 0 2,180
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   393,690 5,353 SH   SOLE 0 0 0 5,353
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,194,804 24,203 SH   SOLE 0 0 0 24,203
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   769,899 5,309 SH   SOLE 0 0 0 5,309
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   796,379 1,823 SH   SOLE 0 0 0 1,823
VANGUARD INDEX FDS SM CP VAL ETF 922908611   739,469 4,109 SH   SOLE 0 0 0 4,109
VANGUARD INDEX FDS VALUE ETF 922908744   880,775 5,891 SH   SOLE 0 0 0 5,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,397,572 14,322 SH   SOLE 0 0 0 14,322
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,860,349 45,264 SH   SOLE 0 0 0 45,264
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   494,522 4,807 SH   SOLE 0 0 0 4,807
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   433,348 9,125 SH   SOLE 0 0 0 9,125
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   23,621,350 404,961 SH   SOLE 0 0 0 404,961
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,095,997 64,635 SH   SOLE 0 0 0 64,635
VANGUARD WORLD FD ESG US STK ETF 921910733   298,986 3,515 SH   SOLE 0 0 0 3,515
VERIZON COMMUNICATIONS INC COM 92343V104   330,968 8,779 SH   SOLE 0 0 0 8,779
VERTEX PHARMACEUTICALS INC COM 92532F100   229,893 565 SH   SOLE 0 0 0 565
VISA INC COM CL A 92826C839   877,119 3,369 SH   SOLE 0 0 0 3,369
WALMART INC COM 931142103   527,970 3,349 SH   SOLE 0 0 0 3,349
WELLS FARGO CO NEW COM 949746101   215,879 4,386 SH   SOLE 0 0 0 4,386