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
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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   123,910 828 SH   SOLE 0 0 0 828
Amazon com COM 023135106   60,480 720 SH   SOLE 0 0 0 720
Amgen Inc COM 031162100   131,320 500 SH   SOLE 0 0 0 500
Apple COM 037833100   115,638 890 SH   SOLE 0 0 0 890
AT&T INC COM COM 00206R102   17,618 957 SH   SOLE 0 0 0 957
Automatic Data Processing, Inc COM 053015103   95,544 400 SH   SOLE 0 0 0 400
Berkshire Hathaway COM 084670702   1,249,192 4,044 SH   SOLE 0 0 0 4,044
Bloom Energy Corporation Com C COM 093712107   1,619,330 84,693 SH   SOLE 0 0 0 84,693
Charter Communications Inc Com COM 16119P108   27,467 81 SH   SOLE 0 0 0 81
Cisco Systems, Inc COM 17275R102   115,336 2,421 SH   SOLE 0 0 0 2,421
Costco Wholesale Corp COM 22160K105   86,735 190 SH   SOLE 0 0 0 190
DIMENSIONAL ETF INTERNATIONAL COM 025434V80   531,422 17,481 SH   SOLE 0 0 0 17,481
DIMENSIONAL ETF TR US MARKETWI COM 25434V724   670,203 20,018 SH   SOLE 0 0 0 20,018
ENDONOVO THERAPEUTICS INC COM COM 29272H300   1 60 SH   SOLE 0 0 0 60
Federal Express Corp COM 31428X106   34,640 200 SH   SOLE 0 0 0 200
Google Inc COM 02079K107   24,844 280 SH   SOLE 0 0 0 280
Hewlett Packard Enterprise Co COM 42824C109   6,384 400 SH   SOLE 0 0 0 400
Hewlett Packard, Inc COM 40434L105   10,748 400 SH   SOLE 0 0 0 400
Home Depot Inc COM 437076102   31,586 100 SH   SOLE 0 0 0 100
International Business Machine COM 459200101   10,831 77 SH   SOLE 0 0 0 77
Johnson & Johnson COM 478160104   26,498 150 SH   SOLE 0 0 0 150
Keysight Technologies, Inc COM 49338L103   79,548 465 SH   SOLE 0 0 0 465
Kyndryl Hldgs Inc Com COM 50155Q100   156 14 SH   SOLE 0 0 0 14
Meta Platforms Inc Com Cl A COM 30303M102   12,034 100 SH   SOLE 0 0 0 100
Microsoft Corp Com COM 594918104   75,783 316 SH   SOLE 0 0 0 316
NVIDIA CORP COM COM 67066G104   7,307 50 SH   SOLE 0 0 0 50
Oracle Corp Com COM 68389X105   215,140 2,632 SH   SOLE 0 0 0 2,632
Pepsico, Inc COM 713448108   22,583 125 SH   SOLE 0 0 0 125
Santa Cruz County Bank COM 801827106   116,433 4,648 SH   SOLE 0 0 0 4,648
Starbucks Corporation COM 855244109   11,408 115 SH   SOLE 0 0 0 115
TAIWAN SEMICONDUCTOR ADR COM 874039100   39,629 532 SH   SOLE 0 0 0 532
Tesla Inc COM 88160R101   382,474 3,105 SH   SOLE 0 0 0 3,105
United Parcel Service, Inc COM 911312106   69,536 400 SH   SOLE 0 0 0 400
VANGUARD ALLWRLD EX US ETF COM 922042775   1,747,479 34,852 SH   SOLE 0 0 0 34,852
VANGUARD DIVIDEND APPRECIATION COM 921908844   12,319,142 81,127 SH   SOLE 0 0 0 81,127
Vanguard ESG US Stock ETF COM 921910733   531,161 8,065 SH   SOLE 0 0 0 8,065
Vanguard EST International Sto COM 921910725   704,991 14,332 SH   SOLE 0 0 0 14,332
VANGUARD EXTEND MKT ETF COM 922908652   1,671,777 12,583 SH   SOLE 0 0 0 12,583
Vanguard FTSE All-World ex-US COM 922042718   8,013,731 77,947 SH   SOLE 0 0 0 77,947
VANGUARD FTSE DEV MKT ETF COM 921943858   947,431 22,574 SH   SOLE 0 0 0 22,574
VANGUARD FTSE EMR MKT ETF COM 922042858   3,042,467 78,052 SH   SOLE 0 0 0 78,052
VANGUARD GLB EX US ETF COM 922042676   128,567 3,110 SH   SOLE 0 0 0 3,110
VANGUARD GROWTH ETF COM 922908736   2,367,865 11,111 SH   SOLE 0 0 0 11,111
VANGUARD INT-TERM CORP ETF COM 92206C870   5,558,630 71,715 SH   SOLE 0 0 0 71,715
VANGUARD MID CAP ETF COM 922908629   57,678 283 SH   SOLE 0 0 0 283
VANGUARD MORTGAGE-BACK SEC ETF COM 92206C771   10,363,240 227,663 SH   SOLE 0 0 0 227,663
Vanguard Real Estate ETF COM 922908553   1,166,267 14,140 SH   SOLE 0 0 0 14,140
Vanguard S&P 500 ETF COM 922908363   6,111,559 17,395 SH   SOLE 0 0 0 17,395
Vanguard Small Cap ETF COM 922908751   463,255 2,524 SH   SOLE 0 0 0 2,524
VANGUARD SMALL CAP VALUE ETF COM 922908611   9,093,512 57,264 SH   SOLE 0 0 0 57,264
Vanguard Total Bond Market COM 921937835   452,879 6,304 SH   SOLE 0 0 0 6,304
VANGUARD TOTAL INTL STOCK INDE COM 921909768   11,354,822 219,544 SH   SOLE 0 0 0 219,544
Vanguard Total Stock Market ET COM 922908769   25,977,359 135,872 SH   SOLE 0 0 0 135,872
VANGUARD VALUE ETF COM 922908744   3,207,314 22,849 SH   SOLE 0 0 0 22,849
VeriSign, Inc COM 92343E102   10,272 50 SH   SOLE 0 0 0 50
WARNER BROS DISCOVERY INC COM COM 934423104   2,190 231 SH   SOLE 0 0 0 231
Wells Fargo & Company COM 949746101   55,618 1,347 SH   SOLE 0 0 0 1,347