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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
ADVANCED MICRO DEVICES INC COM 007903107   493,193 849 SH   SOLE   0 0 849
AGILENT TECHNOLOGIES INC COM 00846U101   2,416,443 18,192 SH   SOLE   0 0 18,192
ALPHABET INC CAP STK CL C 02079K107   12,699,034 35,941 SH   SOLE   0 0 35,941
ALPHABET INC CAP STK CL A 02079K305   1,435,913 4,018 SH   SOLE   0 0 4,018
AMAZON COM INC COM 023135106   449,271 1,885 SH   SOLE   0 0 1,885
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,329,849 51,721 SH   SOLE   0 0 51,721
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   245,576 3,172 SH   SOLE   0 0 3,172
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,009,523 31,190 SH   SOLE   0 0 31,190
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   4,297,542 47,117 SH   SOLE   0 0 47,117
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,474,095 43,877 SH   SOLE   0 0 43,877
AMERICAN EXPRESS CO COM 025816109   4,532,888 13,401 SH   SOLE   0 0 13,401
AMGEN INC COM 031162100   823,748 2,275 SH   SOLE   0 0 2,275
AMPHENOL CORP CL A 032095101   5,779,064 32,776 SH   SOLE   0 0 32,776
APOLLO GLOBAL MGMT INC COM 03769M106   414,085 3,500 SH   SOLE   0 0 3,500
APPLE INC COM 037833100   5,196,327 17,958 SH   SOLE   0 0 17,958
APPLIED MATLS INC COM 038222105   867,600 1,200 SH   SOLE   0 0 1,200
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   345,061 3,100 SH   SOLE   0 0 3,100
BANK OF AMER CORP COM 060505104   729,344 12,800 SH   SOLE   0 0 12,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   416,825 833 SH   SOLE   0 0 833
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884   248,430 4,916 SH   SOLE   0 0 4,916
BOEING CO COM 097023105   400,470 1,850 SH   SOLE   0 0 1,850
BRISTOL-MYERS SQUIBB CO COM 110122108   1,429,437 24,808 SH   SOLE   0 0 24,808
CATERPILLAR INC COM 149123101   6,077,384 5,707 SH   SOLE   0 0 5,707
CISCO SYS INC COM 17275R102   469,840 4,000 SH   SOLE   0 0 4,000
COCA COLA CO COM 191216100   834,399 10,267 SH   SOLE   0 0 10,267
COLGATE PALMOLIVE CO COM 194162103   285,260 3,111 SH   SOLE   0 0 3,111
CUMMINS INC COM 231021106   5,669,306 7,949 SH   SOLE   0 0 7,949
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,814,858 200,201 SH   SOLE   0 0 200,201
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708   1,641,897 37,013 SH   SOLE   0 0 37,013
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   312,221 7,569 SH   SOLE   0 0 7,569
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   974,825 13,946 SH   SOLE   0 0 13,946
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,435,018 44,265 SH   SOLE   0 0 44,265
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   554,725 6,737 SH   SOLE   0 0 6,737
DISNEY WALT CO COM 254687106   624,181 6,485 SH   SOLE   0 0 6,485
EATON CORP PLC SHS G29183103   377,116 885 SH   SOLE   0 0 885
ECOLAB INC COM 278865100   3,219,339 11,555 SH   SOLE   0 0 11,555
ELI LILLY & CO COM 532457108   4,162,022 3,470 SH   SOLE   0 0 3,470
EXXON MOBIL CORP COM 30231G102   729,675 5,337 SH   SOLE   0 0 5,337
GE AEROSPACE COM NEW 369604301   211,253 565 SH   SOLE   0 0 565
GILEAD SCIENCES INC COM 375558103   3,874,721 30,669 SH   SOLE   0 0 30,669
HOME DEPOT INC COM 437076102   1,665,355 4,722 SH   SOLE   0 0 4,722
HOWMET AEROSPACE INC COM 443201108   262,139 975 SH   SOLE   0 0 975
INTEL CORP COM 458140100   365,831 2,620 SH   SOLE   0 0 2,620
INTERNATIONAL BUSINESS MACHS COM 459200101   420,690 1,496 SH   SOLE   0 0 1,496
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   204,865 18,899 SH   SOLE   0 0 18,899
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,730,341 31,632 SH   SOLE   0 0 31,632
INVESCO QQQ TR UNIT SER 1 46090E103   989,722 1,344 SH   SOLE   0 0 1,344
ISHARES GOLD TR ISHARES NEW 464285204   374,530 4,960 SH   SOLE   0 0 4,960
ISHARES INC CORE MSCI EMKT 46434G103   5,740,563 69,297 SH   SOLE   0 0 69,297
ISHARES INC MSCI EURZONE ETF 464286608   298,850 4,300 SH   SOLE   0 0 4,300
ISHARES TR CORE S&P SCP ETF 464287804   4,798,125 32,352 SH   SOLE   0 0 32,352
ISHARES TR EXPANDED TECH 464287515   2,085,521 23,019 SH   SOLE   0 0 23,019
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,956,905 48,521 SH   SOLE   0 0 48,521
ISHARES TR CORE S&P500 ETF 464287200   8,184,092 10,928 SH   SOLE   0 0 10,928
ISHARES TR EAFE GRWTH ETF 464288885   2,761,253 22,193 SH   SOLE   0 0 22,193
ISHARES TR HDG MSCI EAFE 46434V803   466,200 9,935 SH   SOLE   0 0 9,935
ISHARES TR CORE MSCI EAFE 46432F842   1,956,807 20,261 SH   SOLE   0 0 20,261
ISHARES TR CORE 1 5 YR USD 46432F859   781,650 16,200 SH   SOLE   0 0 16,200
ISHARES TR IBOXX HI YD ETF 464288513   1,491,441 18,650 SH   SOLE   0 0 18,650
ISHARES TR CORE S&P TTL STK 464287150   643,117 3,915 SH   SOLE   0 0 3,915
ISHARES TR SHRT NAT MUN ETF 464288158   2,545,165 23,905 SH   SOLE   0 0 23,905
ISHARES TR PFD AND INCM SEC 464288687   259,013 8,495 SH   SOLE   0 0 8,495
ISHARES TR EAFE SML CP ETF 464288273   286,546 3,483 SH   SOLE   0 0 3,483
ISHARES TR NATIONAL MUN ETF 464288414   751,295 6,981 SH   SOLE   0 0 6,981
ISHARES TR RUS 1000 GRW ETF 464287614   702,802 5,660 SH   SOLE   0 0 5,660
ISHARES TR S&P 500 GRWT ETF 464287309   508,586 3,698 SH   SOLE   0 0 3,698
ISHARES TR S&P 500 VAL ETF 464287408   468,879 2,065 SH   SOLE   0 0 2,065
ISHARES TR CORE S&P US GWT 464287671   688,597 3,661 SH   SOLE   0 0 3,661
ISHARES TR RUS 1000 VAL ETF 464287598   263,279 1,086 SH   SOLE   0 0 1,086
ISHARES TR RUS 1000 ETF 464287622   322,686 788 SH   SOLE   0 0 788
ISHARES TR RUSSELL 2000 ETF 464287655   653,779 2,176 SH   SOLE   0 0 2,176
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   344,887 6,820 SH   SOLE   0 0 6,820
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   266,243 5,256 SH   SOLE   0 0 5,256
JOHNSON & JOHNSON COM 478160104   1,041,277 4,100 SH   SOLE   0 0 4,100
JPMORGAN CHASE & CO COM 46625H100   8,894,980 27,174 SH   SOLE   0 0 27,174
LINDE PLC SHS G54950103   4,290,077 8,267 SH   SOLE   0 0 8,267
LOWES COS INC COM 548661107   2,426,713 11,006 SH   SOLE   0 0 11,006
MARRIOTT INTL INC NEW CL A 571903202   382,449 1,032 SH   SOLE   0 0 1,032
MCDONALDS CORP COM 580135101   324,372 1,200 SH   SOLE   0 0 1,200
MERCK & CO INC COM 58933Y105   2,239,241 17,426 SH   SOLE   0 0 17,426
MICROSOFT CORP COM 594918104   23,083,070 61,882 SH   SOLE   0 0 61,882
NEXTERA ENERGY INC COM 65339F101   2,544,979 28,996 SH   SOLE   0 0 28,996
NVIDIA CORPORATION COM 67066G104   446,201 2,230 SH   SOLE   0 0 2,230
ORACLE CORP COM 68389X105   448,269 3,059 SH   SOLE   0 0 3,059
PEPSICO INC COM 713448108   2,575,037 19,018 SH   SOLE   0 0 19,018
PROCTER & GAMBLE CO COM 742718109   473,940 3,232 SH   SOLE   0 0 3,232
QUALCOMM INC COM 747525103   3,928,451 21,259 SH   SOLE   0 0 21,259
ROYAL CARIBBEAN GROUP COM V7780T103   547,739 1,725 SH   SOLE   0 0 1,725
SCHWAB CHARLES CORP COM 808513105   1,005,743 10,900 SH   SOLE   0 0 10,900
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,793,280 58,048 SH   SOLE   0 0 58,048
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   212,644 4,379 SH   SOLE   0 0 4,379
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   633,037 21,859 SH   SOLE   0 0 21,859
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   868,166 16,455 SH   SOLE   0 0 16,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   438,258 12,590 SH   SOLE   0 0 12,590
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   621,510 17,202 SH   SOLE   0 0 17,202
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   269,049 7,420 SH   SOLE   0 0 7,420
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   834,933 30,142 SH   SOLE   0 0 30,142
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   211,966 5,749 SH   SOLE   0 0 5,749
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,904,896 64,726 SH   SOLE   0 0 64,726
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   398,119 12,555 SH   SOLE   0 0 12,555
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   215,119 6,917 SH   SOLE   0 0 6,917
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   733,617 21,679 SH   SOLE   0 0 21,679
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209   467,254 2,945 SH   SOLE   0 0 2,945
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   357,606 1,877 SH   SOLE   0 0 1,877
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886   1,133,273 24,995 SH   SOLE   0 0 24,995
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704   361,199 1,950 SH   SOLE   0 0 1,950
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889   852,551 16,919 SH   SOLE   0 0 16,919
SPDR SERIES TRUST ST STR P500ETF 78464A854   14,253,345 162,191 SH   SOLE   0 0 162,191
SPDR SERIES TRUST ST STR P500GRW 78464A409   7,280,998 61,190 SH   SOLE   0 0 61,190
SPDR SERIES TRUST ST STR P500VAL 78464A508   9,246,532 152,106 SH   SOLE   0 0 152,106
SPDR SERIES TRUST ST STR SP600 SML 78468R853   2,420,468 41,971 SH   SOLE   0 0 41,971
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474   2,167,082 72,212 SH   SOLE   0 0 72,212
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   3,128,966 4,190 SH   SOLE   0 0 4,190
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107   625,973 890 SH   SOLE   0 0 890
STRYKER CORPORATION COM 863667101   3,163,197 10,047 SH   SOLE   0 0 10,047
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100   7,621,062 15,958 SH   SOLE   0 0 15,958
TESLA INC COM 88160R101   1,196,186 2,844 SH   SOLE   0 0 2,844
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   350,150 10,335 SH   SOLE   0 0 10,335
TRUIST FINL CORP COM 89832Q109   274,010 5,500 SH   SOLE   0 0 5,500
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   430,953 3,673 SH   SOLE   0 0 3,673
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   311,278 1,420 SH   SOLE   0 0 1,420
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   12,761,970 163,804 SH   SOLE   0 0 163,804
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605   602,493 5,989 SH   SOLE   0 0 5,989
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,864,417 20,019 SH   SOLE   0 0 20,019
VANGUARD INDEX FDS VALUE ETF 922908744   19,212,927 88,161 SH   SOLE   0 0 88,161
VANGUARD INDEX FDS MID CAP ETF 922908629   2,220,429 27,559 SH   SOLE   0 0 27,559
VANGUARD INDEX FDS GROWTH ETF 922908736   7,387,366 85,760 SH   SOLE   0 0 85,760
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   901,095 1,312 SH   SOLE   0 0 1,312
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,172,144 13,764 SH   SOLE   0 0 13,764
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,577,547 9,668 SH   SOLE   0 0 9,668
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,649,483 7,704 SH   SOLE   0 0 7,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,096,705 51,880 SH   SOLE   0 0 51,880
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   398,231 4,755 SH   SOLE   0 0 4,755
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,752,294 34,644 SH   SOLE   0 0 34,644
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   8,272,356 100,089 SH   SOLE   0 0 100,089
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   17,645,976 223,282 SH   SOLE   0 0 223,282
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   8,780,475 128,126 SH   SOLE   0 0 128,126
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   631,539 2,669 SH   SOLE   0 0 2,669
VANGUARD STAR FDS VG TL INTL STK F 921909768   213,298 2,495 SH   SOLE   0 0 2,495
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,215,662 227,588 SH   SOLE   0 0 227,588
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   534,512 5,276 SH   SOLE   0 0 5,276
VANGUARD WORLD FD INF TECH ETF 92204A702   239,040 2,000 SH   SOLE   0 0 2,000
VISA INC COM CL A 92826C839   2,622,237 7,643 SH   SOLE   0 0 7,643
WALMART INC COM 931142103   1,305,888 11,530 SH   SOLE   0 0 11,530