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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
AGILENT TECHNOLOGIES INC COM 00846U101   2,084,466 18,288 SH   SOLE   18,288 0 0
ALPHABET INC CAP STK CL A 02079K305   1,175,545 4,088 SH   SOLE   4,088 0 0
ALPHABET INC CAP STK CL C 02079K107   10,726,269 37,392 SH   SOLE   37,392 0 0
AMAZON COM INC COM 023135106   324,901 1,560 SH   SOLE   1,560 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,542,863 31,557 SH   SOLE   31,557 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,832,068 43,741 SH   SOLE   43,741 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   3,821,398 47,406 SH   SOLE   47,406 0 0
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   237,361 3,172 SH   SOLE   3,172 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,284,092 52,915 SH   SOLE   52,915 0 0
AMERICAN EXPRESS CO COM 025816109   4,124,617 13,636 SH   SOLE   13,636 0 0
AMGEN INC COM 031162100   808,993 2,299 SH   SOLE   2,299 0 0
AMPHENOL CORP CL A 032095101   4,308,914 34,103 SH   SOLE   34,103 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   401,112 3,600 SH   SOLE   3,600 0 0
APPLE INC COM 037833100   4,572,534 18,017 SH   SOLE   18,017 0 0
APPLIED MATLS INC COM 038222105   410,148 1,200 SH   SOLE   1,200 0 0
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   343,665 3,150 SH   SOLE   3,150 0 0
BANK AMERICA CORP COM 060505104   643,500 13,200 SH   SOLE   13,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   409,716 855 SH   SOLE   855 0 0
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884   348,824 6,917 SH   SOLE   6,917 0 0
BOEING CO COM 097023105   368,206 1,850 SH   SOLE   1,850 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,365,110 22,508 SH   SOLE   22,508 0 0
CATERPILLAR INC COM 149123101   4,353,487 6,145 SH   SOLE   6,145 0 0
CHEVRON CORPORATION COM 166764100   263,177 1,272 SH   SOLE   1,272 0 0
CISCO SYS INC COM 17275R102   310,360 4,000 SH   SOLE   4,000 0 0
COCA COLA CO COM 191216100   783,467 10,302 SH   SOLE   10,302 0 0
COLGATE PALMOLIVE CO COM 194162103   250,276 2,936 SH   SOLE   2,936 0 0
CUMMINS INC COM 231021106   4,561,872 8,479 SH   SOLE   8,479 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,484,325 198,642 SH   SOLE   198,642 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,147,747 44,320 SH   SOLE   44,320 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   294,888 7,569 SH   SOLE   7,569 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   479,203 6,737 SH   SOLE   6,737 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   871,740 13,959 SH   SOLE   13,959 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,447,457 37,248 SH   SOLE   37,248 0 0
DISNEY WALT CO COM 254687106   683,334 7,090 SH   SOLE   7,090 0 0
EATON CORP PLC SHS G29183103   348,728 975 SH   SOLE   975 0 0
ECOLAB INC COM 278865100   3,195,698 12,013 SH   SOLE   12,013 0 0
ELI LILLY & CO COM 532457108   3,108,823 3,380 SH   SOLE   3,380 0 0
EXXON MOBIL CORP COM 30231G102   953,489 5,620 SH   SOLE   5,620 0 0
GILEAD SCIENCES INC COM 375558103   4,354,755 31,246 SH   SOLE   31,246 0 0
HOME DEPOT INC COM 437076102   1,594,788 4,849 SH   SOLE   4,849 0 0
HOWMET AEROSPACE INC COM 443201108   224,699 975 SH   SOLE   975 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   411,093 1,696 SH   SOLE   1,696 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   246,965 22,699 SH   SOLE   22,699 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,161,016 32,102 SH   SOLE   32,102 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   775,730 1,344 SH   SOLE   1,344 0 0
ISHARES GOLD TR ISHARES NEW 464285204   437,274 4,960 SH   SOLE   4,960 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,811,983 68,989 SH   SOLE   68,989 0 0
ISHARES INC MSCI EURZONE ETF 464286608   269,790 4,307 SH   SOLE   4,307 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,657,774 11,723 SH   SOLE   11,723 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,829,068 20,204 SH   SOLE   20,204 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   419,977 3,713 SH   SOLE   3,713 0 0
ISHARES TR CORE S&P US GWT 464287671   483,633 3,118 SH   SOLE   3,118 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   4,858,521 46,974 SH   SOLE   46,974 0 0
ISHARES TR EAFE SML CP ETF 464288273   275,062 3,508 SH   SOLE   3,508 0 0
ISHARES TR CORE S&P TTL STK 464287150   551,204 3,870 SH   SOLE   3,870 0 0
ISHARES TR RUS 1000 ETF 464287622   280,969 788 SH   SOLE   788 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,447,992 18,200 SH   SOLE   18,200 0 0
ISHARES TR HDG MSCI EAFE 46434V803   453,974 10,683 SH   SOLE   10,683 0 0
ISHARES TR S&P 500 VAL ETF 464287408   438,347 2,076 SH   SOLE   2,076 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   603,356 1,415 SH   SOLE   1,415 0 0
ISHARES TR EXPANDED TECH 464287515   1,853,158 23,150 SH   SOLE   23,150 0 0
ISHARES TR EAFE GRWTH ETF 464288885   2,356,255 21,157 SH   SOLE   21,157 0 0
ISHARES TR PFD AND INCM SEC 464288687   271,819 8,965 SH   SOLE   8,965 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   232,046 1,086 SH   SOLE   1,086 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,049,523 32,576 SH   SOLE   32,576 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   539,648 2,176 SH   SOLE   2,176 0 0
ISHARES TR NATIONAL MUN ETF 464288414   838,160 7,896 SH   SOLE   7,896 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,754,623 25,865 SH   SOLE   25,865 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   262,747 5,256 SH   SOLE   5,256 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   340,099 6,720 SH   SOLE   6,720 0 0
JOHNSON & JOHNSON COM 478160104   1,007,093 4,120 SH   SOLE   4,120 0 0
JPMORGAN CHASE & CO COM 46625H100   8,307,670 28,242 SH   SOLE   28,242 0 0
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207   273,931 3,885 SH   SOLE   3,885 0 0
LINDE PLC SHS G54950103   4,147,528 8,366 SH   SOLE   8,366 0 0
LOWES COS INC COM 548661107   2,660,040 11,258 SH   SOLE   11,258 0 0
MARRIOTT INTL INC NEW CL A 571903202   337,536 1,032 SH   SOLE   1,032 0 0
MCDONALDS CORP COM 580135101   372,948 1,200 SH   SOLE   1,200 0 0
MEDTRONIC PLC SHS G5960L103   1,911,499 22,060 SH   SOLE   22,060 0 0
MERCK & CO INC COM 58933Y105   2,113,014 17,566 SH   SOLE   17,566 0 0
MICROSOFT CORP COM 594918104   22,763,451 61,495 SH   SOLE   61,495 0 0
NEXTERA ENERGY INC COM 65339F101   2,582,157 27,801 SH   SOLE   27,801 0 0
NIKE INC CL B 654106103   379,248 7,180 SH   SOLE   7,180 0 0
NVIDIA CORPORATION COM 67066G104   352,637 2,022 SH   SOLE   2,022 0 0
ORACLE CORP COM 68389X105   453,711 3,084 SH   SOLE   3,084 0 0
PEPSICO INC COM 713448108   3,051,759 19,652 SH   SOLE   19,652 0 0
PROCTER & GAMBLE CO COM 742718109   475,496 3,292 SH   SOLE   3,292 0 0
QUALCOMM INC COM 747525103   2,856,856 22,184 SH   SOLE   22,184 0 0
ROYAL CARIBBEAN GROUP COM V7780T103   480,189 1,745 SH   SOLE   1,745 0 0
SCHWAB CHARLES CORP COM 808513105   1,024,382 10,900 SH   SOLE   10,900 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   383,995 12,590 SH   SOLE   12,590 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   805,143 16,455 SH   SOLE   16,455 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   385,187 12,555 SH   SOLE   12,555 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   630,985 21,661 SH   SOLE   21,661 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   746,015 30,142 SH   SOLE   30,142 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   501,544 17,247 SH   SOLE   17,247 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   548,661 21,859 SH   SOLE   21,859 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   206,024 4,444 SH   SOLE   4,444 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,588,564 55,382 SH   SOLE   55,382 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,704,838 66,491 SH   SOLE   66,491 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   257,735 7,822 SH   SOLE   7,822 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704   286,262 1,770 SH   SOLE   1,770 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   273,110 2,055 SH   SOLE   2,055 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886   1,069,925 23,315 SH   SOLE   23,315 0 0
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209   395,847 2,700 SH   SOLE   2,700 0 0
SPDR INDEX SHS FDS STATE STREET SPD 78463X889   765,963 16,779 SH   SOLE   16,779 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508   8,424,600 148,897 SH   SOLE   148,897 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A409   5,654,205 57,749 SH   SOLE   57,749 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853   2,084,670 43,143 SH   SOLE   43,143 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854   12,098,219 158,064 SH   SOLE   158,064 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474   601,400 20,000 SH   SOLE   20,000 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   2,683,953 4,127 SH   SOLE   4,127 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107   582,221 944 SH   SOLE   944 0 0
STRYKER CORPORATION COM 863667101   3,526,756 10,733 SH   SOLE   10,733 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100   5,723,183 16,935 SH   SOLE   16,935 0 0
TESLA INC COM 88160R101   1,051,681 2,829 SH   SOLE   2,829 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   311,290 10,335 SH   SOLE   10,335 0 0
TRUIST FINL CORP COM 89832Q109   298,805 6,500 SH   SOLE   6,500 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   289,382 1,420 SH   SOLE   1,420 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   375,624 3,692 SH   SOLE   3,692 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,050,796 166,443 SH   SOLE   166,443 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   221,435 3,007 SH   SOLE   3,007 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605   561,585 5,668 SH   SOLE   5,668 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,411,479 20,306 SH   SOLE   20,306 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   6,399,410 14,651 SH   SOLE   14,651 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,108,007 9,688 SH   SOLE   9,688 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   1,996,763 6,953 SH   SOLE   6,953 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   763,071 1,277 SH   SOLE   1,277 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,564,020 89,521 SH   SOLE   89,521 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,561,850 13,599 SH   SOLE   13,599 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   2,302,340 7,704 SH   SOLE   7,704 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   357,101 4,755 SH   SOLE   4,755 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,851,883 52,764 SH   SOLE   52,764 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,522,493 30,517 SH   SOLE   30,517 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   18,345,377 231,429 SH   SOLE   231,429 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   8,034,115 97,089 SH   SOLE   97,089 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   8,472,734 123,961 SH   SOLE   123,961 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   573,995 2,669 SH   SOLE   2,669 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   14,153,429 220,871 SH   SOLE   220,871 0 0
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870   547,066 5,409 SH   SOLE   5,409 0 0
VISA INC COM CL A 92826C839   2,315,763 7,662 SH   SOLE   7,662 0 0
WALMART INC COM 931142103   1,435,434 11,550 SH   SOLE   11,550 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   220,046 2,374 SH   SOLE   2,374 0 0