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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 BBG006G2JWB1 595,216 4,744 SH   SOLE   0 0 4,744
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 891,150 3,099 SH   SOLE   0 0 3,099
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,192,634 7,644 SH   SOLE   0 0 7,644
AMAZON COM INC COM 023135106 BBG001S5PQL7 5,253,193 25,223 SH   SOLE   0 0 25,223
APPLE INC COM 037833100 BBG001S5N8V8 3,846,950 15,158 SH   SOLE   0 0 15,158
ASML HLDG NV N Y REGISTRY SHS N07059210 BBG001SCG0R3 289,261 219 SH   SOLE   0 0 219
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 314,832 657 SH   SOLE   0 0 657
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 BBG00NNWBWQ2 202,873 3,487 SH   SOLE   0 0 3,487
BOEING CO COM 097023105 BBG001S5P0V3 333,972 1,678 SH   SOLE   0 0 1,678
BROADCOM INC COM 11135F101 BBG00KHY5SY8 372,341 1,203 SH   SOLE   0 0 1,203
COSTCO WHOLESALE CORPORATION COM 22160K105 BBG001S9KRQ7 805,114 808 SH   SOLE   0 0 808
ELI LILLY & CO COM 532457108 BBG001S5STL8 363,307 395 SH   SOLE   0 0 395
HSBC HLDGS PLC SPON ADR NEW 404280406 BBG001SCZVC0 216,207 2,621 SH   SOLE   0 0 2,621
INTUIT COM 461202103 BBG001S6TWR2 471,295 1,090 SH   SOLE   0 0 1,090
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 209,898 12,119 SH   SOLE   0 0 12,119
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 839,484 12,036 SH   SOLE   0 0 12,036
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 316,152 6,524 SH   SOLE   0 0 6,524
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,052,955 11,632 SH   SOLE   0 0 11,632
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 321,963 2,590 SH   SOLE   0 0 2,590
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 723,896 4,667 SH   SOLE   0 0 4,667
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 578,641 5,659 SH   SOLE   0 0 5,659
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 414,135 634 SH   SOLE   0 0 634
ISHARES TR GLB INFRASTR ETF 464288372 BBG001SYVWT6 264,114 3,942 SH   SOLE   0 0 3,942
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 254,371 2,679 SH   SOLE   0 0 2,679
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 745,561 3,887 SH   SOLE   0 0 3,887
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 212,985 1,883 SH   SOLE   0 0 1,883
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 244,089 1,156 SH   SOLE   0 0 1,156
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 410,294 17,909 SH   SOLE   0 0 17,909
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 216,084 884 SH   SOLE   0 0 884
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 311,809 1,060 SH   SOLE   0 0 1,060
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 250,331 501 SH   SOLE   0 0 501
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 446,835 781 SH   SOLE   0 0 781
MICROSOFT CORP COM 594918104 BBG001S5TD05 15,304,954 41,346 SH   SOLE   0 0 41,346
NETFLIX INC. COM 64110L106 BBG001SF6L46 218,744 2,275 SH   SOLE   0 0 2,275
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 221,797 1,452 SH   SOLE   0 0 1,452
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,098,023 6,296 SH   SOLE   0 0 6,296
ROYAL BK CDA COM 780087102 BBG001S60869 208,859 1,291 SH   SOLE   0 0 1,291
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 227,850 2,450 SH   SOLE   0 0 2,450
STARBUCKS CORP COM 855244109 BBG001S72KH6 317,507 3,544 SH   SOLE   0 0 3,544
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 BBG001S72SM3 1,989,390 3,059 SH   SOLE   0 0 3,059
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 BBG001S5WWW4 654,947 1,938 SH   SOLE   0 0 1,938
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,326,246 17,184 SH   SOLE   0 0 17,184
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 570,142 8,289 SH   SOLE   0 0 8,289
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 226,997 2,895 SH   SOLE   0 0 2,895
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 14,085,899 191,281 SH   SOLE   0 0 191,281
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,039,542 40,967 SH   SOLE   0 0 40,967
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 835,027 17,378 SH   SOLE   0 0 17,378
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,648,303 33,597 SH   SOLE   0 0 33,597
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,181,631 114,788 SH   SOLE   0 0 114,788
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 47,419,127 79,356 SH   SOLE   0 0 79,356
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 20,575,177 94,707 SH   SOLE   0 0 94,707
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 413,201 1,288 SH   SOLE   0 0 1,288
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,004,336 53,320 SH   SOLE   0 0 53,320
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 14,371,058 265,886 SH   SOLE   0 0 265,886
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 697,964 5,046 SH   SOLE   0 0 5,046
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 8,088,398 161,930 SH   SOLE   0 0 161,930
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 15,302,886 261,409 SH   SOLE   0 0 261,409
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 BBG001TCH518 355,066 3,237 SH   SOLE   0 0 3,237
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 717,768 7,657 SH   SOLE   0 0 7,657
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 18,353,242 286,411 SH   SOLE   0 0 286,411
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 9,676,686 43,086 SH   SOLE   0 0 43,086
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 14,705,705 84,984 SH   SOLE   0 0 84,984
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 9,977,634 36,638 SH   SOLE   0 0 36,638
VANGUARD WORLD FD MATERIALS ETF 92204A801 BBG001SHTTP7 2,602,476 11,549 SH   SOLE   0 0 11,549
VISA INC COM CL A 92826C839 BBG001SRCFY3 283,499 938 SH   SOLE   0 0 938
WALMART INC COM 931142103 BBG001S5XH92 217,242 1,748 SH   SOLE   0 0 1,748