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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
Estimated average burden
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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
AGILENT TECHNOLOGIES INC COM 00846U101   2,631,186 19,337 SH   SOLE   19,337 0 0
ALPHABET INC CAP STK CL A 02079K305   1,272,971 4,067 SH   SOLE   4,067 0 0
ALPHABET INC CAP STK CL C 02079K107   12,309,433 39,227 SH   SOLE   39,227 0 0
AMAZON COM INC COM 023135106   378,314 1,639 SH   SOLE   1,639 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,080,582 54,066 SH   SOLE   54,066 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,514,703 32,650 SH   SOLE   32,650 0 0
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   513,426 7,208 SH   SOLE   7,208 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   3,766,906 49,715 SH   SOLE   49,715 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,528,218 44,403 SH   SOLE   44,403 0 0
AMERICAN EXPRESS CO COM 025816109   5,272,527 14,252 SH   SOLE   14,252 0 0
AMGEN INC COM 031162100   730,074 2,231 SH   SOLE   2,231 0 0
AMPHENOL CORP NEW CL A 032095101   5,010,045 37,073 SH   SOLE   37,073 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   550,088 3,800 SH   SOLE   3,800 0 0
APPLE INC COM 037833100   5,057,955 18,605 SH   SOLE   18,605 0 0
APPLIED MATLS INC COM 038222105   308,388 1,200 SH   SOLE   1,200 0 0
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   529,338 3,275 SH   SOLE   3,275 0 0
BANK AMERICA CORP COM 060505104   783,750 14,250 SH   SOLE   14,250 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   459,925 915 SH   SOLE   915 0 0
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884   294,384 5,834 SH   SOLE   5,834 0 0
BOEING CO COM 097023105   401,672 1,850 SH   SOLE   1,850 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   652,674 12,100 SH   SOLE   12,100 0 0
CATERPILLAR INC COM 149123101   3,821,043 6,670 SH   SOLE   6,670 0 0
CISCO SYS INC COM 17275R102   324,296 4,210 SH   SOLE   4,210 0 0
COCA COLA CO COM 191216100   777,749 11,125 SH   SOLE   11,125 0 0
COLGATE PALMOLIVE CO COM 194162103   235,991 2,986 SH   SOLE   2,986 0 0
CUMMINS INC COM 231021106   4,752,800 9,311 SH   SOLE   9,311 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   329,918 8,657 SH   SOLE   8,657 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   469,367 6,737 SH   SOLE   6,737 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,075,119 44,540 SH   SOLE   44,540 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,514,040 38,243 SH   SOLE   38,243 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   9,587,736 192,139 SH   SOLE   192,139 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   840,348 14,114 SH   SOLE   14,114 0 0
DISNEY WALT CO COM 254687106   1,376,162 12,096 SH   SOLE   12,096 0 0
EATON CORP PLC SHS G29183103   334,436 1,050 SH   SOLE   1,050 0 0
ECOLAB INC COM 278865100   3,165,204 12,057 SH   SOLE   12,057 0 0
ELI LILLY & CO COM 532457108   3,614,149 3,363 SH   SOLE   3,363 0 0
EXXON MOBIL CORP COM 30231G102   700,379 5,820 SH   SOLE   5,820 0 0
GILEAD SCIENCES INC COM 375558103   3,996,046 32,557 SH   SOLE   32,557 0 0
HOME DEPOT INC COM 437076102   1,741,834 5,062 SH   SOLE   5,062 0 0
HOWMET AEROSPACE INC COM 443201108   205,020 1,000 SH   SOLE   1,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   524,588 1,771 SH   SOLE   1,771 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   280,989 24,999 SH   SOLE   24,999 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,059,234 31,631 SH   SOLE   31,631 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   826,247 1,345 SH   SOLE   1,345 0 0
ISHARES GOLD TR ISHARES NEW 464285204   404,308 4,981 SH   SOLE   4,981 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,379,652 65,154 SH   SOLE   65,154 0 0
ISHARES INC MSCI EURZONE ETF 464286608   279,861 4,366 SH   SOLE   4,366 0 0
ISHARES TR HDG MSCI EAFE 46434V803   2,272,567 54,946 SH   SOLE   54,946 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   672,086 1,420 SH   SOLE   1,420 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   497,724 4,038 SH   SOLE   4,038 0 0
ISHARES TR CORE S&P TTL STK 464287150   575,430 3,870 SH   SOLE   3,870 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,701,751 25,321 SH   SOLE   25,321 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   535,644 2,176 SH   SOLE   2,176 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   228,429 1,086 SH   SOLE   1,086 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,189,281 13,294 SH   SOLE   13,294 0 0
ISHARES TR EXPANDED TECH 464287515   2,663,599 25,202 SH   SOLE   25,202 0 0
ISHARES TR EAFE GRWTH ETF 464288885   1,778,177 15,609 SH   SOLE   15,609 0 0
ISHARES TR EAFE VALUE ETF 464288877   229,440 3,213 SH   SOLE   3,213 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,971,228 33,044 SH   SOLE   33,044 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,614,374 20,022 SH   SOLE   20,022 0 0
ISHARES TR TIPS BD ETF 464287176   269,939 2,456 SH   SOLE   2,456 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,870,848 11,491 SH   SOLE   11,491 0 0
ISHARES TR NATIONAL MUN ETF 464288414   856,773 7,999 SH   SOLE   7,999 0 0
ISHARES TR RUS 1000 ETF 464287622   294,271 788 SH   SOLE   788 0 0
ISHARES TR PFD AND INCM SEC 464288687   343,656 11,100 SH   SOLE   11,100 0 0
ISHARES TR S&P 500 VAL ETF 464287408   526,358 2,482 SH   SOLE   2,482 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,696,527 45,869 SH   SOLE   45,869 0 0
ISHARES TR EAFE SML CP ETF 464288273   272,906 3,520 SH   SOLE   3,520 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   622,459 12,304 SH   SOLE   12,304 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   271,488 5,376 SH   SOLE   5,376 0 0
JOHNSON & JOHNSON COM 478160104   866,086 4,185 SH   SOLE   4,185 0 0
JPMORGAN CHASE & CO. COM 46625H100   9,643,937 29,930 SH   SOLE   29,930 0 0
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207   282,082 3,716 SH   SOLE   3,716 0 0
LINDE PLC SHS G54950103   3,605,554 8,456 SH   SOLE   8,456 0 0
LOWES COS INC COM 548661107   2,760,559 11,447 SH   SOLE   11,447 0 0
MARRIOTT INTL INC NEW CL A 571903202   320,168 1,032 SH   SOLE   1,032 0 0
MCDONALDS CORP COM 580135101   378,981 1,240 SH   SOLE   1,240 0 0
MEDTRONIC PLC SHS G5960L103   2,035,127 21,186 SH   SOLE   21,186 0 0
MERCK & CO INC COM 58933Y105   1,293,224 12,286 SH   SOLE   12,286 0 0
META PLATFORMS INC CL A 30303M102   275,918 418 SH   SOLE   418 0 0
MICROSOFT CORP COM 594918104   29,803,366 61,626 SH   SOLE   61,626 0 0
NEXTERA ENERGY INC COM 65339F101   2,085,996 25,984 SH   SOLE   25,984 0 0
NIKE INC CL B 654106103   498,849 7,830 SH   SOLE   7,830 0 0
NVIDIA CORPORATION COM 67066G104   427,831 2,294 SH   SOLE   2,294 0 0
ORACLE CORP COM 68389X105   609,383 3,126 SH   SOLE   3,126 0 0
PEPSICO INC COM 713448108   3,471,318 24,187 SH   SOLE   24,187 0 0
PROCTER AND GAMBLE CO COM 742718109   492,556 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103   3,983,583 23,289 SH   SOLE   23,289 0 0
ROYAL CARIBBEAN GROUP COM V7780T103   528,553 1,895 SH   SOLE   1,895 0 0
SCHWAB CHARLES CORP COM 808513105   1,089,019 10,900 SH   SOLE   10,900 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   373,289 11,444 SH   SOLE   11,444 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,181,488 47,913 SH   SOLE   47,913 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   763,235 16,882 SH   SOLE   16,882 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   391,030 13,206 SH   SOLE   13,206 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   201,010 4,512 SH   SOLE   4,512 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   344,384 12,555 SH   SOLE   12,555 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   534,400 18,764 SH   SOLE   18,764 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   723,989 30,116 SH   SOLE   30,116 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   262,360 8,011 SH   SOLE   8,011 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,467,250 54,524 SH   SOLE   54,524 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   573,126 21,850 SH   SOLE   21,850 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704   266,806 1,720 SH   SOLE   1,720 0 0
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209   408,672 2,640 SH   SOLE   2,640 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   327,676 2,276 SH   SOLE   2,276 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886   961,379 22,520 SH   SOLE   22,520 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   724,374 16,311 SH   SOLE   16,311 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,830,650 4,151 SH   SOLE   4,151 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   680,500 1,128 SH   SOLE   1,128 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508   7,982,551 140,513 SH   SOLE   140,513 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854   12,573,121 156,733 SH   SOLE   156,733 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A409   5,602,497 52,507 SH   SOLE   52,507 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853   2,385,830 50,914 SH   SOLE   50,914 0 0
STRYKER CORPORATION COM 863667101   3,906,589 11,115 SH   SOLE   11,115 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   5,580,028 18,362 SH   SOLE   18,362 0 0
TESLA INC COM 88160R101   1,027,610 2,285 SH   SOLE   2,285 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   343,934 11,020 SH   SOLE   11,020 0 0
TRUIST FINL CORP COM 89832Q109   344,470 7,000 SH   SOLE   7,000 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   360,930 3,692 SH   SOLE   3,692 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   12,019,392 152,511 SH   SOLE   152,511 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   659,075 8,898 SH   SOLE   8,898 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605   479,443 4,782 SH   SOLE   4,782 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,233,344 9,644 SH   SOLE   9,644 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,378,887 13,099 SH   SOLE   13,099 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,426,164 7,707 SH   SOLE   7,707 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   7,678,916 15,740 SH   SOLE   15,740 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   18,169,834 95,135 SH   SOLE   95,135 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,938,519 23,318 SH   SOLE   23,318 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,999,906 6,891 SH   SOLE   6,891 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   644,690 1,028 SH   SOLE   1,028 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   349,778 4,755 SH   SOLE   4,755 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,838,947 52,808 SH   SOLE   52,808 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,480,135 29,432 SH   SOLE   29,432 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   7,858,346 93,831 SH   SOLE   93,831 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   16,569,489 207,820 SH   SOLE   207,820 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   8,130,110 118,273 SH   SOLE   118,273 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   586,593 2,669 SH   SOLE   2,669 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,318,830 181,188 SH   SOLE   181,188 0 0
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   543,528 5,351 SH   SOLE   5,351 0 0
VISA INC COM CL A 92826C839   2,700,116 7,699 SH   SOLE   7,699 0 0
WALMART INC COM 931142103   1,292,356 11,600 SH   SOLE   11,600 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   202,668 2,374 SH   SOLE   2,374 0 0