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
ABBOTT LABS COM 002824100   316,238 2,384 SH   SOLE 0 0 0 2,384
ABBVIE INC COM 00287Y109   785,700 3,750 SH   SOLE 0 0 0 3,750
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   340,748 1,092 SH   SOLE 0 0 0 1,092
ADOBE INC COM 00724F101   268,087 699 SH   SOLE 0 0 0 699
ADVANCED MICRO DEVICES INC COM 007903107   202,398 1,970 SH   SOLE 0 0 0 1,970
AFLAC INC COM 001055102   269,413 2,423 SH   SOLE 0 0 0 2,423
AGNICO EAGLE MINES LTD COM 008474108   264,520 2,440 SH   SOLE 0 0 0 2,440
ALPHABET INC CAP STK CL A 02079K305   1,605,936 10,385 SH   SOLE 0 0 0 10,385
ALPHABET INC CAP STK CL C 02079K107   1,448,565 9,272 SH   SOLE 0 0 0 9,272
AMAZON COM INC COM 023135106   2,851,046 14,985 SH   SOLE 0 0 0 14,985
AMERICAN EXPRESS CO COM 025816109   380,706 1,415 SH   SOLE 0 0 0 1,415
AMERIPRISE FINL INC COM 03076C106   279,816 578 SH   SOLE 0 0 0 578
AMGEN INC COM 031162100   265,752 853 SH   SOLE 0 0 0 853
APPLE INC COM 037833100   6,736,648 30,328 SH   SOLE 0 0 0 30,328
APPLIED MATLS INC COM 038222105   262,522 1,809 SH   SOLE 0 0 0 1,809
ASML HOLDING N V N Y REGISTRY SHS N07059210   976,717 1,474 SH   SOLE 0 0 0 1,474
ASTRAZENECA PLC SPONSORED ADR 046353108   557,939 7,591 SH   SOLE 0 0 0 7,591
AT&T INC COM 00206R102   497,530 17,593 SH   SOLE 0 0 0 17,593
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   251,153 18,440 SH   SOLE 0 0 0 18,440
BANCO SANTANDER S.A. ADR 05964H105   421,906 62,971 SH   SOLE 0 0 0 62,971
BANK AMERICA CORP COM 060505104   497,630 11,925 SH   SOLE 0 0 0 11,925
BANK MONTREAL QUE COM 063671101   291,879 3,056 SH   SOLE 0 0 0 3,056
BARCLAYS PLC ADR 06738E204   233,825 15,223 SH   SOLE 0 0 0 15,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,070,486 2,010 SH   SOLE 0 0 0 2,010
BLACKROCK INC COM 09290D101   258,389 273 SH   SOLE 0 0 0 273
BOOKING HOLDINGS INC COM 09857L108   396,194 86 SH   SOLE 0 0 0 86
BRISTOL-MYERS SQUIBB CO COM 110122108   275,004 4,509 SH   SOLE 0 0 0 4,509
BROADCOM INC COM 11135F101   1,389,669 8,300 SH   SOLE 0 0 0 8,300
CATERPILLAR INC COM 149123101   395,100 1,198 SH   SOLE 0 0 0 1,198
CHUBB LIMITED COM H1467J104   206,259 683 SH   SOLE 0 0 0 683
CINTAS CORP COM 172908105   226,083 1,100 SH   SOLE 0 0 0 1,100
CISCO SYS INC COM 17275R102   331,506 5,372 SH   SOLE 0 0 0 5,372
COMCAST CORP NEW CL A 20030N101   315,163 8,541 SH   SOLE 0 0 0 8,541
COSTCO WHSL CORP NEW COM 22160K105   1,365,706 1,444 SH   SOLE 0 0 0 1,444
D R HORTON INC COM 23331A109   202,518 1,593 SH   SOLE 0 0 0 1,593
DANAHER CORPORATION COM 235851102   212,175 1,035 SH   SOLE 0 0 0 1,035
DEERE & CO COM 244199105   289,589 617 SH   SOLE 0 0 0 617
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   440,695 14,111 SH   SOLE 0 0 0 14,111
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   1,319,613 21,819 SH   SOLE 0 0 0 21,819
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   12,020,823 364,378 SH   SOLE 0 0 0 364,378
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,671,267 27,971 SH   SOLE 0 0 0 27,971
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   524,271 10,182 SH   SOLE 0 0 0 10,182
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   373,723 9,495 SH   SOLE 0 0 0 9,495
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   768,210 29,321 SH   SOLE 0 0 0 29,321
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   10,366,886 246,180 SH   SOLE 0 0 0 246,180
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,501,548 52,642 SH   SOLE 0 0 0 52,642
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   544,130 12,937 SH   SOLE 0 0 0 12,937
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   457,623 9,620 SH   SOLE 0 0 0 9,620
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   500,326 21,049 SH   SOLE 0 0 0 21,049
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   7,327,968 263,881 SH   SOLE 0 0 0 263,881
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   292,147 11,306 SH   SOLE 0 0 0 11,306
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   2,776,477 104,931 SH   SOLE 0 0 0 104,931
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   226,490 5,496 SH   SOLE 0 0 0 5,496
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   5,362,521 153,698 SH   SOLE 0 0 0 153,698
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   11,195,277 332,401 SH   SOLE 0 0 0 332,401
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   2,958,577 82,619 SH   SOLE 0 0 0 82,619
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   273,128 10,401 SH   SOLE 0 0 0 10,401
DISNEY WALT CO COM 254687106   221,483 2,244 SH   SOLE 0 0 0 2,244
EATON CORP PLC SHS G29183103   248,181 913 SH   SOLE 0 0 0 913
ELI LILLY & CO COM 532457108   1,035,691 1,254 SH   SOLE 0 0 0 1,254
ENBRIDGE INC COM 29250N105   312,607 7,055 SH   SOLE 0 0 0 7,055
FEDEX CORP COM 31428X106   251,337 1,031 SH   SOLE 0 0 0 1,031
FISERV INC COM 337738108   237,613 1,076 SH   SOLE 0 0 0 1,076
GE AEROSPACE COM NEW 369604301   249,987 1,249 SH   SOLE 0 0 0 1,249
GILEAD SCIENCES INC COM 375558103   269,928 2,409 SH   SOLE 0 0 0 2,409
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   338,104 3,375 SH   SOLE 0 0 0 3,375
GOLDMAN SACHS GROUP INC COM 38141G104   390,597 715 SH   SOLE 0 0 0 715
GRAINGER W W INC COM 384802104   210,408 213 SH   SOLE 0 0 0 213
GSK PLC SPONSORED ADR 37733W204   220,159 5,683 SH   SOLE 0 0 0 5,683
HARTFORD INSURANCE GROUP INC COM 416515104   216,899 1,753 SH   SOLE 0 0 0 1,753
HOME DEPOT INC COM 437076102   648,321 1,769 SH   SOLE 0 0 0 1,769
HOWMET AEROSPACE INC COM 443201108   233,255 1,798 SH   SOLE 0 0 0 1,798
HSBC HLDGS PLC SPON ADR NEW 404280406   595,032 10,361 SH   SOLE 0 0 0 10,361
ING GROEP N.V. SPONSORED ADR 456837103   282,664 14,429 SH   SOLE 0 0 0 14,429
INTERNATIONAL BUSINESS MACHS COM 459200101   605,736 2,436 SH   SOLE 0 0 0 2,436
INTUIT COM 461202103   206,301 336 SH   SOLE 0 0 0 336
INTUITIVE SURGICAL INC COM NEW 46120E602   217,424 439 SH   SOLE 0 0 0 439
ISHARES INC CORE MSCI EMKT 46434G103   858,449 15,906 SH   SOLE 0 0 0 15,906
ISHARES TR CORE MSCI EAFE 46432F842   214,570 2,836 SH   SOLE 0 0 0 2,836
ISHARES TR NATIONAL MUN ETF 464288414   209,905 1,991 SH   SOLE 0 0 0 1,991
ISHARES TR JPMORGAN USD EMG 464288281   248,886 2,747 SH   SOLE 0 0 0 2,747
ISHARES TR CORE S&P TTL STK 464287150   484,644 3,972 SH   SOLE 0 0 0 3,972
ISHARES TR CORE US AGGBD ET 464287226   1,007,846 10,188 SH   SOLE 0 0 0 10,188
ISHARES TR RUS MDCP VAL ETF 464287473   902,319 7,163 SH   SOLE 0 0 0 7,163
ISHARES TR S&P 500 VAL ETF 464287408   366,641 1,924 SH   SOLE 0 0 0 1,924
ISHARES TR RUS 1000 VAL ETF 464287598   247,430 1,315 SH   SOLE 0 0 0 1,315
ISHARES TR RUS 1000 GRW ETF 464287614   236,514 655 SH   SOLE 0 0 0 655
ISHARES TR CORE MSCI INTL 46435G326   251,311 3,648 SH   SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718   18,988,073 188,617 SH   SOLE 0 0 0 188,617
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   481,939 9,519 SH   SOLE 0 0 0 9,519
JOHNSON & JOHNSON COM 478160104   614,271 3,704 SH   SOLE 0 0 0 3,704
JPMORGAN CHASE & CO. COM 46625H100   1,861,336 7,588 SH   SOLE 0 0 0 7,588
KLA CORP COM NEW 482480100   269,201 396 SH   SOLE 0 0 0 396
KROGER CO COM 501044101   235,764 3,483 SH   SOLE 0 0 0 3,483
LAM RESEARCH CORP COM NEW 512807306   238,820 3,285 SH   SOLE 0 0 0 3,285
LINDE PLC SHS G54950103   292,888 629 SH   SOLE 0 0 0 629
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   209,302 54,791 SH   SOLE 0 0 0 54,791
LOCKHEED MARTIN CORP COM 539830109   263,112 589 SH   SOLE 0 0 0 589
LOWES COS INC COM 548661107   246,524 1,057 SH   SOLE 0 0 0 1,057
MARATHON PETE CORP COM 56585A102   222,032 1,524 SH   SOLE 0 0 0 1,524
MARSH & MCLENNAN COS INC COM 571748102   315,043 1,291 SH   SOLE 0 0 0 1,291
MASTERCARD INCORPORATED CL A 57636Q104   917,553 1,674 SH   SOLE 0 0 0 1,674
MCDONALDS CORP COM 580135101   432,632 1,385 SH   SOLE 0 0 0 1,385
MCKESSON CORP COM 58155Q103   321,689 478 SH   SOLE 0 0 0 478
MERCK & CO INC COM 58933Y105   274,935 3,063 SH   SOLE 0 0 0 3,063
META PLATFORMS INC CL A 30303M102   3,418,391 5,931 SH   SOLE 0 0 0 5,931
MICROSOFT CORP COM 594918104   4,170,958 11,111 SH   SOLE 0 0 0 11,111
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   606,508 44,498 SH   SOLE 0 0 0 44,498
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   284,211 51,581 SH   SOLE 0 0 0 51,581
MORGAN STANLEY COM NEW 617446448   355,727 3,049 SH   SOLE 0 0 0 3,049
NATWEST GROUP PLC SPONS ADR 639057207   151,193 12,684 SH   SOLE 0 0 0 12,684
NETFLIX INC COM 64110L106   692,870 743 SH   SOLE 0 0 0 743
NOKIA CORP SPONSORED ADR 654902204   187,538 35,586 SH   SOLE 0 0 0 35,586
NOMURA HLDGS INC SPONSORED ADR 65535H208   91,684 14,908 SH   SOLE 0 0 0 14,908
NOVARTIS AG SPONSORED ADR 66987V109   818,598 7,343 SH   SOLE 0 0 0 7,343
NOVO-NORDISK A S ADR 670100205   1,390,536 20,025 SH   SOLE 0 0 0 20,025
NVIDIA CORPORATION COM 67066G104   4,337,151 40,018 SH   SOLE 0 0 0 40,018
ORACLE CORP COM 68389X105   719,043 5,143 SH   SOLE 0 0 0 5,143
OREILLY AUTOMOTIVE INC COM 67103H107   219,185 153 SH   SOLE 0 0 0 153
PARKER-HANNIFIN CORP COM 701094104   266,238 438 SH   SOLE 0 0 0 438
PFIZER INC COM 717081103   225,095 8,883 SH   SOLE 0 0 0 8,883
PHILIP MORRIS INTL INC COM 718172109   328,412 2,069 SH   SOLE 0 0 0 2,069
PROCTER AND GAMBLE CO COM 742718109   382,763 2,246 SH   SOLE 0 0 0 2,246
PROGRESSIVE CORP COM 743315103   368,196 1,301 SH   SOLE 0 0 0 1,301
QUALCOMM INC COM 747525103   294,624 1,918 SH   SOLE 0 0 0 1,918
RELX PLC SPONSORED ADR 759530108   476,627 9,455 SH   SOLE 0 0 0 9,455
ROYAL BK CDA COM 780087102   785,433 6,968 SH   SOLE 0 0 0 6,968
S&P GLOBAL INC COM 78409V104   264,212 520 SH   SOLE 0 0 0 520
SALESFORCE INC COM 79466L302   337,329 1,257 SH   SOLE 0 0 0 1,257
SANOFI SPONSORED ADR 80105N105   218,956 3,948 SH   SOLE 0 0 0 3,948
SAP SE SPON ADR 803054204   463,327 1,726 SH   SOLE 0 0 0 1,726
SCHWAB CHARLES CORP COM 808513105   209,790 2,680 SH   SOLE 0 0 0 2,680
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,844,106 410,781 SH   SOLE 0 0 0 410,781
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,243,639 214,542 SH   SOLE 0 0 0 214,542
SHERWIN WILLIAMS CO COM 824348106   263,638 755 SH   SOLE 0 0 0 755
SONY GROUP CORP SPONSORED ADR 835699307   1,036,267 40,814 SH   SOLE 0 0 0 40,814
SPDR SER TR PORTFOLIO S&P500 78464A854   697,165 10,602 SH   SOLE 0 0 0 10,602
SPDR SER TR PORTFOLIO S&P400 78464A847   238,305 4,656 SH   SOLE 0 0 0 4,656
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   392,792 25,407 SH   SOLE 0 0 0 25,407
T-MOBILE US INC COM 872590104   326,720 1,225 SH   SOLE 0 0 0 1,225
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205   182,604 12,280 SH   SOLE 0 0 0 12,280
TARGA RES CORP COM 87612G101   249,786 1,246 SH   SOLE 0 0 0 1,246
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608   168,695 21,739 SH   SOLE 0 0 0 21,739
TELEFONICA S A SPONSORED ADR 879382208   107,446 23,057 SH   SOLE 0 0 0 23,057
TESLA INC COM 88160R101   1,271,439 4,906 SH   SOLE 0 0 0 4,906
TEXAS INSTRS INC COM 882508104   334,422 1,861 SH   SOLE 0 0 0 1,861
THERMO FISHER SCIENTIFIC INC COM 883556102   292,091 587 SH   SOLE 0 0 0 587
TJX COS INC NEW COM 872540109   339,457 2,787 SH   SOLE 0 0 0 2,787
TORONTO DOMINION BK ONT COM NEW 891160509   220,579 3,680 SH   SOLE 0 0 0 3,680
TOYOTA MOTOR CORP ADS 892331307   937,727 5,312 SH   SOLE 0 0 0 5,312
TRANE TECHNOLOGIES PLC SHS G8994E103   219,672 652 SH   SOLE 0 0 0 652
TRAVELERS COMPANIES INC COM 89417E109   294,608 1,114 SH   SOLE 0 0 0 1,114
UBS GROUP AG SHS H42097107   284,645 9,293 SH   SOLE 0 0 0 9,293
UNILEVER PLC SPON ADR NEW 904767704   260,710 4,378 SH   SOLE 0 0 0 4,378
UNION PAC CORP COM 907818108   269,077 1,139 SH   SOLE 0 0 0 1,139
UNITED RENTALS INC COM 911363109   236,266 377 SH   SOLE 0 0 0 377
UNITEDHEALTH GROUP INC COM 91324P102   781,435 1,492 SH   SOLE 0 0 0 1,492
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   343,726 4,680 SH   SOLE 0 0 0 4,680
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   372,003 7,620 SH   SOLE 0 0 0 7,620
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   209,025 407 SH   SOLE 0 0 0 407
VANGUARD INDEX FDS VALUE ETF 922908744   266,784 1,544 SH   SOLE 0 0 0 1,544
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,299,722 8,367 SH   SOLE 0 0 0 8,367
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   844,691 18,663 SH   SOLE 0 0 0 18,663
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   584,357 5,040 SH   SOLE 0 0 0 5,040
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   337,891 6,771 SH   SOLE 0 0 0 6,771
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   26,205,110 446,500 SH   SOLE 0 0 0 446,500
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,782,849 35,075 SH   SOLE 0 0 0 35,075
VANGUARD WORLD FD ESG US STK ETF 921910733   334,597 3,416 SH   SOLE 0 0 0 3,416
VERIZON COMMUNICATIONS INC COM 92343V104   605,375 13,346 SH   SOLE 0 0 0 13,346
VERTEX PHARMACEUTICALS INC COM 92532F100   254,046 524 SH   SOLE 0 0 0 524
VISA INC COM CL A 92826C839   1,117,617 3,189 SH   SOLE 0 0 0 3,189
WALMART INC COM 931142103   897,565 10,224 SH   SOLE 0 0 0 10,224
WASTE MGMT INC DEL COM 94106L109   233,362 1,008 SH   SOLE 0 0 0 1,008
WELLS FARGO CO NEW COM 949746101   303,528 4,228 SH   SOLE 0 0 0 4,228
WILLIAMS COS INC COM 969457100   212,387 3,554 SH   SOLE 0 0 0 3,554