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
ABBVIE INC COM 00287Y109   912,685 5,012 SH   SOLE 0 0 0 5,012
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   463,764 1,338 SH   SOLE 0 0 0 1,338
ADOBE INC COM 00724F101   421,846 836 SH   SOLE 0 0 0 836
ADVANCED MICRO DEVICES INC COM 007903107   383,361 2,124 SH   SOLE 0 0 0 2,124
AEGON LTD AMER REG 1 CERT 0076CA104   61,326 10,137 SH   SOLE 0 0 0 10,137
AFLAC INC COM 001055102   256,636 2,989 SH   SOLE 0 0 0 2,989
ALPHABET INC CAP STK CL A 02079K305   1,675,927 11,104 SH   SOLE 0 0 0 11,104
ALPHABET INC CAP STK CL C 02079K107   1,643,038 10,791 SH   SOLE 0 0 0 10,791
AMAZON COM INC COM 023135106   2,131,731 11,818 SH   SOLE 0 0 0 11,818
AMERICAN EXPRESS CO COM 025816109   348,606 1,531 SH   SOLE 0 0 0 1,531
AMERICAN INTL GROUP INC COM NEW 026874784   206,681 2,644 SH   SOLE 0 0 0 2,644
AMERIPRISE FINL INC COM 03076C106   278,409 635 SH   SOLE 0 0 0 635
AMGEN INC COM 031162100   424,490 1,493 SH   SOLE 0 0 0 1,493
APOLLO GLOBAL MGMT INC COM 03769M106   217,366 1,933 SH   SOLE 0 0 0 1,933
APPLE INC COM 037833100   4,913,731 28,655 SH   SOLE 0 0 0 28,655
APPLIED MATLS INC COM 038222105   398,024 1,930 SH   SOLE 0 0 0 1,930
ARISTA NETWORKS INC COM 040413106   204,146 704 SH   SOLE 0 0 0 704
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,898,239 1,956 SH   SOLE 0 0 0 1,956
ASTRAZENECA PLC SPONSORED ADR 046353108   471,879 6,965 SH   SOLE 0 0 0 6,965
AUTOMATIC DATA PROCESSING IN COM 053015103   414,069 1,658 SH   SOLE 0 0 0 1,658
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   220,117 18,591 SH   SOLE 0 0 0 18,591
BANCO SANTANDER S.A. ADR 05964H105   332,808 68,762 SH   SOLE 0 0 0 68,762
BANK AMERICA CORP COM 060505104   280,229 7,390 SH   SOLE 0 0 0 7,390
BANK MONTREAL QUE COM 063671101   270,964 2,774 SH   SOLE 0 0 0 2,774
BANK NOVA SCOTIA HALIFAX COM 064149107   213,282 4,119 SH   SOLE 0 0 0 4,119
BARCLAYS PLC ADR 06738E204   150,236 15,898 SH   SOLE 0 0 0 15,898
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   926,826 2,204 SH   SOLE 0 0 0 2,204
BLACKROCK INC COM 09247X101   262,616 315 SH   SOLE 0 0 0 315
BOOKING HOLDINGS INC COM 09857L108   377,300 104 SH   SOLE 0 0 0 104
BRISTOL-MYERS SQUIBB CO COM 110122108   340,998 6,288 SH   SOLE 0 0 0 6,288
BROADCOM INC COM 11135F101   1,374,450 1,037 SH   SOLE 0 0 0 1,037
BUILDERS FIRSTSOURCE INC COM 12008R107   239,833 1,150 SH   SOLE 0 0 0 1,150
CANADIAN IMPERIAL BK COMM TO COM 136069101   205,467 4,051 SH   SOLE 0 0 0 4,051
CARRIER GLOBAL CORPORATION COM 14448C104   206,478 3,552 SH   SOLE 0 0 0 3,552
CATERPILLAR INC COM 149123101   436,785 1,192 SH   SOLE 0 0 0 1,192
CGI INC CL A SUB VTG 12532H104   307,494 2,783 SH   SOLE 0 0 0 2,783
CHUBB LIMITED COM H1467J104   229,848 887 SH   SOLE 0 0 0 887
CINTAS CORP COM 172908105   210,918 307 SH   SOLE 0 0 0 307
CISCO SYS INC COM 17275R102   504,081 10,100 SH   SOLE 0 0 0 10,100
COCA COLA CO COM 191216100   500,697 8,184 SH   SOLE 0 0 0 8,184
COMCAST CORP NEW CL A 20030N101   383,084 8,837 SH   SOLE 0 0 0 8,837
COSTCO WHSL CORP NEW COM 22160K105   1,224,957 1,672 SH   SOLE 0 0 0 1,672
CVS HEALTH CORP COM 126650100   428,231 5,369 SH   SOLE 0 0 0 5,369
D R HORTON INC COM 23331A109   346,871 2,108 SH   SOLE 0 0 0 2,108
DANAHER CORPORATION COM 235851102   267,450 1,071 SH   SOLE 0 0 0 1,071
DECKERS OUTDOOR CORP COM 243537107   221,196 235 SH   SOLE 0 0 0 235
DEERE & CO COM 244199105   264,106 643 SH   SOLE 0 0 0 643
DIAGEO PLC SPON ADR NEW 25243Q205   287,366 1,932 SH   SOLE 0 0 0 1,932
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   265,829 10,412 SH   SOLE 0 0 0 10,412
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   671,999 22,237 SH   SOLE 0 0 0 22,237
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,604,158 28,153 SH   SOLE 0 0 0 28,153
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   10,814,508 338,482 SH   SOLE 0 0 0 338,482
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,371,538 38,042 SH   SOLE 0 0 0 38,042
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   600,962 11,041 SH   SOLE 0 0 0 11,041
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   513,324 13,968 SH   SOLE 0 0 0 13,968
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   959,648 37,722 SH   SOLE 0 0 0 37,722
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   8,870,153 215,034 SH   SOLE 0 0 0 215,034
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,354,517 28,795 SH   SOLE 0 0 0 28,795
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   553,279 13,189 SH   SOLE 0 0 0 13,189
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   756,071 15,722 SH   SOLE 0 0 0 15,722
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   494,667 22,113 SH   SOLE 0 0 0 22,113
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   4,723,157 176,567 SH   SOLE 0 0 0 176,567
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   350,564 13,989 SH   SOLE 0 0 0 13,989
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   2,293,703 89,984 SH   SOLE 0 0 0 89,984
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   238,611 5,834 SH   SOLE 0 0 0 5,834
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   4,127,841 122,597 SH   SOLE 0 0 0 122,597
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   10,475,433 325,324 SH   SOLE 0 0 0 325,324
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   2,612,992 75,937 SH   SOLE 0 0 0 75,937
DISNEY WALT CO COM 254687106   350,684 2,866 SH   SOLE 0 0 0 2,866
EATON CORP PLC SHS G29183103   291,105 931 SH   SOLE 0 0 0 931
ELEVANCE HEALTH INC COM 036752103   411,202 793 SH   SOLE 0 0 0 793
ELI LILLY & CO COM 532457108   926,550 1,191 SH   SOLE 0 0 0 1,191
FERRARI N V COM N3167Y103   225,381 517 SH   SOLE 0 0 0 517
GENERAL ELECTRIC CO COM NEW 369604301   221,343 1,261 SH   SOLE 0 0 0 1,261
GILEAD SCIENCES INC COM 375558103   241,872 3,302 SH   SOLE 0 0 0 3,302
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   375,050 3,717 SH   SOLE 0 0 0 3,717
GOLDMAN SACHS GROUP INC COM 38141G104   295,725 708 SH   SOLE 0 0 0 708
GRAINGER W W INC COM 384802104   283,827 279 SH   SOLE 0 0 0 279
HOME DEPOT INC COM 437076102   944,423 2,462 SH   SOLE 0 0 0 2,462
HSBC HLDGS PLC SPON ADR NEW 404280406   313,266 7,959 SH   SOLE 0 0 0 7,959
ILLINOIS TOOL WKS INC COM 452308109   200,979 749 SH   SOLE 0 0 0 749
ING GROEP N.V. SPONSORED ADR 456837103   254,886 15,457 SH   SOLE 0 0 0 15,457
INTEL CORP COM 458140100   353,316 7,999 SH   SOLE 0 0 0 7,999
INTERNATIONAL BUSINESS MACHS COM 459200101   450,093 2,357 SH   SOLE 0 0 0 2,357
INTUIT COM 461202103   267,150 411 SH   SOLE 0 0 0 411
ISHARES INC CORE MSCI EMKT 46434G103   828,358 16,053 SH   SOLE 0 0 0 16,053
ISHARES TR NATIONAL MUN ETF 464288414   213,727 1,986 SH   SOLE 0 0 0 1,986
ISHARES TR JPMORGAN USD EMG 464288281   410,862 4,582 SH   SOLE 0 0 0 4,582
ISHARES TR CORE MSCI INTL 46435G326   244,890 3,648 SH   SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   4,111,586 40,826 SH   SOLE 0 0 0 40,826
ISHARES TR CORE US AGGBD ET 464287226   1,327,103 13,550 SH   SOLE 0 0 0 13,550
ISHARES TR CORE S&P TTL STK 464287150   508,144 4,407 SH   SOLE 0 0 0 4,407
ISHARES TR RUS MDCP VAL ETF 464287473   1,566,617 12,500 SH   SOLE 0 0 0 12,500
ISHARES TR RUS 2000 VAL ETF 464287630   1,213,469 7,641 SH   SOLE 0 0 0 7,641
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   208,744 4,138 SH   SOLE 0 0 0 4,138
JOHNSON & JOHNSON COM 478160104   807,718 5,106 SH   SOLE 0 0 0 5,106
JPMORGAN CHASE & CO COM 46625H100   1,203,202 6,007 SH   SOLE 0 0 0 6,007
KLA CORP COM NEW 482480100   282,222 404 SH   SOLE 0 0 0 404
KROGER CO COM 501044101   247,430 4,331 SH   SOLE 0 0 0 4,331
LAM RESEARCH CORP COM 512807108   352,680 363 SH   SOLE 0 0 0 363
LINDE PLC SHS G54950103   245,625 529 SH   SOLE 0 0 0 529
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   82,018 31,667 SH   SOLE 0 0 0 31,667
LOCKHEED MARTIN CORP COM 539830109   264,734 582 SH   SOLE 0 0 0 582
LOWES COS INC COM 548661107   327,838 1,287 SH   SOLE 0 0 0 1,287
MARATHON PETE CORP COM 56585A102   319,176 1,584 SH   SOLE 0 0 0 1,584
MASTERCARD INCORPORATED CL A 57636Q104   1,019,002 2,116 SH   SOLE 0 0 0 2,116
MCDONALDS CORP COM 580135101   385,708 1,368 SH   SOLE 0 0 0 1,368
MCKESSON CORP COM 58155Q103   287,752 536 SH   SOLE 0 0 0 536
MERCK & CO INC COM 58933Y105   416,302 3,155 SH   SOLE 0 0 0 3,155
META PLATFORMS INC CL A 30303M102   3,105,770 6,396 SH   SOLE 0 0 0 6,396
MICROSOFT CORP COM 594918104   4,508,856 10,717 SH   SOLE 0 0 0 10,717
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   254,134 24,842 SH   SOLE 0 0 0 24,842
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   97,212 24,425 SH   SOLE 0 0 0 24,425
MORGAN STANLEY COM NEW 617446448   283,704 3,013 SH   SOLE 0 0 0 3,013
NATWEST GROUP PLC SPONS ADR 639057207   74,623 10,974 SH   SOLE 0 0 0 10,974
NETFLIX INC COM 64110L106   1,683,636 2,772 SH   SOLE 0 0 0 2,772
NIKE INC CL B 654106103   252,148 2,683 SH   SOLE 0 0 0 2,683
NOKIA CORP SPONSORED ADR 654902204   69,865 19,736 SH   SOLE 0 0 0 19,736
NOMURA HLDGS INC SPONSORED ADR 65535H208   78,581 12,240 SH   SOLE 0 0 0 12,240
NOVARTIS AG SPONSORED ADR 66987V109   536,465 5,546 SH   SOLE 0 0 0 5,546
NOVO-NORDISK A S ADR 670100205   2,881,553 22,442 SH   SOLE 0 0 0 22,442
NUCOR CORP COM 670346105   218,284 1,103 SH   SOLE 0 0 0 1,103
NVIDIA CORPORATION COM 67066G104   2,837,178 3,140 SH   SOLE 0 0 0 3,140
NVR INC COM 62944T105   210,599 26 SH   SOLE 0 0 0 26
ORACLE CORP COM 68389X105   533,843 4,250 SH   SOLE 0 0 0 4,250
ORANGE SPONSORED ADR 684060106   145,501 12,362 SH   SOLE 0 0 0 12,362
PACCAR INC COM 693718108   294,115 2,374 SH   SOLE 0 0 0 2,374
PARKER-HANNIFIN CORP COM 701094104   261,777 471 SH   SOLE 0 0 0 471
PEPSICO INC COM 713448108   399,023 2,280 SH   SOLE 0 0 0 2,280
PFIZER INC COM 717081103   310,911 11,204 SH   SOLE 0 0 0 11,204
PHILLIPS 66 COM 718546104   247,787 1,517 SH   SOLE 0 0 0 1,517
PROCTER AND GAMBLE CO COM 742718109   662,142 4,081 SH   SOLE 0 0 0 4,081
PROGRESSIVE CORP COM 743315103   292,237 1,413 SH   SOLE 0 0 0 1,413
PULTE GROUP INC COM 745867101   277,185 2,298 SH   SOLE 0 0 0 2,298
QUALCOMM INC COM 747525103   435,944 2,575 SH   SOLE 0 0 0 2,575
REGENERON PHARMACEUTICALS COM 75886F107   270,460 281 SH   SOLE 0 0 0 281
RELIANCE INC COM 759509102   208,863 625 SH   SOLE 0 0 0 625
RELX PLC SPONSORED ADR 759530108   532,251 12,295 SH   SOLE 0 0 0 12,295
ROYAL BK CDA COM 780087102   612,241 6,069 SH   SOLE 0 0 0 6,069
RTX CORPORATION COM 75513E101   265,282 2,720 SH   SOLE 0 0 0 2,720
S&P GLOBAL INC COM 78409V104   219,958 517 SH   SOLE 0 0 0 517
SALESFORCE INC COM 79466L302   359,609 1,194 SH   SOLE 0 0 0 1,194
SANOFI SPONSORED ADR 80105N105   230,024 4,733 SH   SOLE 0 0 0 4,733
SAP SE SPON ADR 803054204   339,352 1,740 SH   SOLE 0 0 0 1,740
SCHLUMBERGER LTD COM STK 806857108   319,981 5,838 SH   SOLE 0 0 0 5,838
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,886,564 145,562 SH   SOLE 0 0 0 145,562
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,481,515 114,852 SH   SOLE 0 0 0 114,852
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,715,860 22,583 SH   SOLE 0 0 0 22,583
SHERWIN WILLIAMS CO COM 824348106   393,178 1,132 SH   SOLE 0 0 0 1,132
SIRIUS XM HOLDINGS INC COM 82968B103   52,415 13,509 SH   SOLE 0 0 0 13,509
SONY GROUP CORP SPONSORED ADR 835699307   546,507 6,374 SH   SOLE 0 0 0 6,374
SPDR SER TR PORTFOLIO S&P400 78464A847   393,495 7,377 SH   SOLE 0 0 0 7,377
SPDR SER TR PORTFOLIO S&P500 78464A854   849,720 13,810 SH   SOLE 0 0 0 13,810
SPDR SER TR PORTFOLIO S&P600 78468R853   289,663 6,730 SH   SOLE 0 0 0 6,730
STEEL DYNAMICS INC COM 858119100   219,825 1,483 SH   SOLE 0 0 0 1,483
STELLANTIS N.V SHS N82405106   351,203 12,410 SH   SOLE 0 0 0 12,410
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   233,870 19,870 SH   SOLE 0 0 0 19,870
SUPER MICRO COMPUTER INC COM 86800U104   203,016 201 SH   SOLE 0 0 0 201
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   218,351 15,720 SH   SOLE 0 0 0 15,720
TARGET CORP COM 87612E106   279,815 1,579 SH   SOLE 0 0 0 1,579
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608   101,814 18,478 SH   SOLE 0 0 0 18,478
TELEFONICA S A SPONSORED ADR 879382208   83,008 18,823 SH   SOLE 0 0 0 18,823
TESLA INC COM 88160R101   883,521 5,026 SH   SOLE 0 0 0 5,026
TEXAS INSTRS INC COM 882508104   216,020 1,240 SH   SOLE 0 0 0 1,240
THE CIGNA GROUP COM 125523100   398,783 1,098 SH   SOLE 0 0 0 1,098
THERMO FISHER SCIENTIFIC INC COM 883556102   360,350 620 SH   SOLE 0 0 0 620
TJX COS INC NEW COM 872540109   282,658 2,787 SH   SOLE 0 0 0 2,787
TORONTO DOMINION BK ONT COM NEW 891160509   321,765 5,329 SH   SOLE 0 0 0 5,329
TOTALENERGIES SE SPONSORED ADS 89151E109   213,924 3,108 SH   SOLE 0 0 0 3,108
TOYOTA MOTOR CORP ADS 892331307   1,072,912 4,263 SH   SOLE 0 0 0 4,263
TRANE TECHNOLOGIES PLC SHS G8994E103   219,146 730 SH   SOLE 0 0 0 730
TRAVELERS COMPANIES INC COM 89417E109   347,051 1,508 SH   SOLE 0 0 0 1,508
U HAUL HOLDING COMPANY COM SER N 023586506   313,329 4,699 SH   SOLE 0 0 0 4,699
UBS GROUP AG SHS H42097107   269,445 8,771 SH   SOLE 0 0 0 8,771
UNILEVER PLC SPON ADR NEW 904767704   527,748 10,515 SH   SOLE 0 0 0 10,515
UNION PAC CORP COM 907818108   333,727 1,357 SH   SOLE 0 0 0 1,357
UNITED RENTALS INC COM 911363109   268,253 372 SH   SOLE 0 0 0 372
UNITEDHEALTH GROUP INC COM 91324P102   1,070,531 2,164 SH   SOLE 0 0 0 2,164
VALERO ENERGY CORP COM 91913Y100   227,188 1,331 SH   SOLE 0 0 0 1,331
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   382,810 5,271 SH   SOLE 0 0 0 5,271
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   578,017 11,751 SH   SOLE 0 0 0 11,751
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   772,704 1,607 SH   SOLE 0 0 0 1,607
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   306,342 1,965 SH   SOLE 0 0 0 1,965
VANGUARD INDEX FDS SM CP VAL ETF 922908611   329,534 1,717 SH   SOLE 0 0 0 1,717
VANGUARD INDEX FDS VALUE ETF 922908744   306,137 1,880 SH   SOLE 0 0 0 1,880
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,181,348 12,241 SH   SOLE 0 0 0 12,241
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,380,093 33,040 SH   SOLE 0 0 0 33,040
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   534,527 4,837 SH   SOLE 0 0 0 4,837
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   406,591 8,490 SH   SOLE 0 0 0 8,490
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   23,066,763 397,223 SH   SOLE 0 0 0 397,223
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,906,328 57,930 SH   SOLE 0 0 0 57,930
VANGUARD WORLD FD ESG US STK ETF 921910733   327,563 3,515 SH   SOLE 0 0 0 3,515
VERIZON COMMUNICATIONS INC COM 92343V104   370,759 8,836 SH   SOLE 0 0 0 8,836
VERTEX PHARMACEUTICALS INC COM 92532F100   236,176 565 SH   SOLE 0 0 0 565
VISA INC COM CL A 92826C839   968,408 3,470 SH   SOLE 0 0 0 3,470
WALMART INC COM 931142103   605,070 10,056 SH   SOLE 0 0 0 10,056
WELLS FARGO CO NEW COM 949746101   255,198 4,403 SH   SOLE 0 0 0 4,403