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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
ALPHABET INC CAP STK CL A 02079K305   387,308 2,046 SH   SOLE 0 0 0 2,046
ALPHABET INC CAP STK CL C 02079K107   273,853 1,438 SH   SOLE 0 0 0 1,438
AMAZON COM INC COM 023135106   581,822 2,652 SH   SOLE 0 0 0 2,652
AMCOR PLC ORD G0250X107   148,386 15,769 SH   SOLE 0 0 0 15,769
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   13,477,364 321,502 SH   SOLE 0 0 0 321,502
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   6,026,753 98,204 SH   SOLE 0 0 0 98,204
APPLE INC COM 037833100   2,782,166 11,110 SH   SOLE 0 0 0 11,110
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   3,536,079 133,085 SH   SOLE 0 0 0 133,085
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   16,346,164 460,715 SH   SOLE 0 0 0 460,715
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   22,351,325 546,220 SH   SOLE 0 0 0 546,220
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   2,140,442 81,727 SH   SOLE 0 0 0 81,727
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   10,358,293 186,099 SH   SOLE 0 0 0 186,099
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591   9,205,200 181,957 SH   SOLE 0 0 0 181,957
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   36,242,474 1,457,863 SH   SOLE 0 0 0 1,457,863
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   71,667,529 2,071,915 SH   SOLE 0 0 0 2,071,915
ELI LILLY & CO COM 532457108   238,548 309 SH   SOLE 0 0 0 309
EXXON MOBIL CORP COM 30231G102   402,527 3,742 SH   SOLE 0 0 0 3,742
INTERNATIONAL BUSINESS MACHS COM 459200101   227,524 1,035 SH   SOLE 0 0 0 1,035
ISHARES TR CALIF MUN BD ETF 464288356   360,807 6,299 SH   SOLE 0 0 0 6,299
MERCK & CO INC COM 58933Y105   239,448 2,407 SH   SOLE 0 0 0 2,407
META PLATFORMS INC CL A 30303M102   361,260 617 SH   SOLE 0 0 0 617
MICROSOFT CORP COM 594918104   740,576 1,757 SH   SOLE 0 0 0 1,757
NORTHERN TR CORP COM 665859104   493,640 4,816 SH   SOLE 0 0 0 4,816
NVIDIA CORPORATION COM 67066G104   256,494 1,910 SH   SOLE 0 0 0 1,910
ORACLE CORP COM 68389X105   55,254,658 331,581 SH   SOLE 0 0 0 331,581
PEPSICO INC COM 713448108   1,296,920 8,529 SH   SOLE 0 0 0 8,529
PROCTER AND GAMBLE CO COM 742718109   308,644 1,841 SH   SOLE 0 0 0 1,841
PROGRESSIVE CORP COM 743315103   3,594,150 15,000 SH   SOLE 0 0 0 15,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   293,595 690 SH   SOLE 0 0 0 690
SPDR S&P 500 ETF TR TR UNIT 78462F103   347,545 593 SH   SOLE 0 0 0 593
STARBUCKS CORP COM 855244109   335,709 3,679 SH   SOLE 0 0 0 3,679
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   13,427,976 273,761 SH   SOLE 0 0 0 273,761
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   7,469,858 154,272 SH   SOLE 0 0 0 154,272
VANGUARD MALVERN FDS CORE BD ETF 922020748   11,253,691 148,446 SH   SOLE 0 0 0 148,446
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   18,976,713 243,260 SH   SOLE 0 0 0 243,260