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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
hours per response: 23.8
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
ABBOTT LABS COM 002824100   339,104 2,998 SH   SOLE   0 0 2,998
ABBVIE INC COM 00287Y109   704,758 3,966 SH   SOLE   0 0 3,966
ALPHABET INC CAP STK CL C 02079K107   943,630 4,955 SH   SOLE   0 0 4,955
ALPHABET INC CAP STK CL A 02079K305   936,846 4,949 SH   SOLE   0 0 4,949
AMAZON COM INC COM 023135106   1,134,904 5,173 SH   SOLE   0 0 5,173
AMAZON COM INC COM 023135106   4,388 20 SH   OTR 1 0 0 20
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   1,303,172 23,973 SH   SOLE   0 0 23,973
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   1,558,432 23,340 SH   SOLE   0 0 23,340
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   1,160,640 22,363 SH   SOLE   0 0 22,363
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   953,841 23,511 SH   SOLE   0 0 23,511
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,698,267 28,887 SH   SOLE   0 0 28,887
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   1,687,340 36,570 SH   SOLE   0 0 36,570
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   643,771 10,490 SH   SOLE   0 0 10,490
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,351,199 20,762 SH   SOLE   0 0 20,762
AMERICAN CENTY ETF TR US SML CP VALU 025072877   3,947,387 40,892 SH   SOLE   0 0 40,892
AMERICAN CENTY ETF TR US EQT ETF 025072885   2,268,647 23,405 SH   SOLE   0 0 23,405
AMERICAN EXPRESS CO COM 025816109   403,634 1,360 SH   SOLE   0 0 1,360
APPLE INC COM 037833100   1,036,488 4,139 SH   SOLE   0 0 4,139
APPLE INC COM 037833100   19,533 78 SH   OTR 1 0 0 78
BROADCOM INC COM 11135F101   407,111 1,756 SH   SOLE   0 0 1,756
CNFINANCE HLDGS LTD SPON ADS 18979T105   9,783 10,298 SH   OTR 1 0 0 10,298
COCA COLA CO COM 191216100   323,067 5,189 SH   SOLE   0 0 5,189
COMCAST CORP NEW CL A 20030N101   320,469 8,539 SH   SOLE   0 0 8,539
COSTCO WHSL CORP NEW COM 22160K105   332,606 363 SH   SOLE   0 0 363
DANAHER CORPORATION COM 235851102   261,228 1,138 SH   SOLE   0 0 1,138
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,290,331 78,436 SH   SOLE   0 0 78,436
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,686 92 SH   OTR 1,2 0 0 92
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,240,120 88,298 SH   SOLE   0 0 88,298
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,056,401 16,571 SH   SOLE   0 0 16,571
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   6,723,968 105,474 SH   OTR 1 0 0 105,474
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   3,660,267 57,416 SH   OTR 1,2 0 0 57,416
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,108,332 32,396 SH   SOLE   0 0 32,396
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   16,307,392 250,575 SH   OTR 1 0 0 250,575
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,707,529 72,334 SH   OTR 1,2 0 0 72,334
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,738,707 31,238 SH   SOLE   0 0 31,238
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   16,443,644 295,430 SH   OTR 1 0 0 295,430
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,178,145 75,065 SH   OTR 1,2 0 0 75,065
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   15,815,113 457,216 SH   SOLE   0 0 457,216
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   33,934,084 981,037 SH   OTR 1 0 0 981,037
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   13,844,438 400,244 SH   OTR 1,2 0 0 400,244
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   3,956,391 96,686 SH   SOLE   0 0 96,686
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   23,430,719 572,598 SH   OTR 1 0 0 572,598
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,573,225 209,512 SH   OTR 1,2 0 0 209,512
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   641,236 24,484 SH   SOLE   0 0 24,484
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,702,349 141,365 SH   OTR 1 0 0 141,365
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   3,126,656 119,384 SH   OTR 1,2 0 0 119,384
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   2,826,231 115,098 SH   SOLE   0 0 115,098
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   2,917,196 118,803 SH   OTR 1 0 0 118,803
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   2,277,109 92,735 SH   OTR 1,2 0 0 92,735
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   858,902 32,326 SH   SOLE   0 0 32,326
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,200,155 45,170 SH   OTR 1 0 0 45,170
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,505,616 56,666 SH   OTR 1,2 0 0 56,666
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   3,098,306 119,880 SH   SOLE   0 0 119,880
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   3,262,382 126,229 SH   OTR 1 0 0 126,229
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   3,920,402 151,689 SH   OTR 1,2 0 0 151,689
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   2,222,928 62,653 SH   SOLE   0 0 62,653
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,988,780 225,163 SH   OTR 1 0 0 225,163
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,392,042 39,235 SH   OTR 1,2 0 0 39,235
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   335,040 10,885 SH   SOLE   0 0 10,885
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   119,180 3,872 SH   OTR 1 0 0 3,872
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   120,120 5,162 SH   SOLE   0 0 5,162
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,097,157 47,149 SH   OTR 1 0 0 47,149
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   968,404 41,616 SH   OTR 1,2 0 0 41,616
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,574,884 54,925 SH   SOLE   0 0 54,925
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   5,129,264 109,413 SH   OTR 1 0 0 109,413
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   2,095,046 44,690 SH   OTR 1,2 0 0 44,690
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   4,482,670 108,618 SH   SOLE   0 0 108,618
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   13,372,396 324,022 SH   OTR 1 0 0 324,022
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   3,529,434 85,521 SH   OTR 1,2 0 0 85,521
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   172,976 6,958 SH   SOLE   0 0 6,958
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,697,552 148,735 SH   OTR 1 0 0 148,735
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   178,022 7,161 SH   OTR 1,2 0 0 7,161
DISNEY WALT CO COM 254687106   221,475 1,989 SH   SOLE   0 0 1,989
DISNEY WALT CO COM 254687106   1,114 10 SH   OTR 1 0 0 10
EMERSON ELEC CO COM 291011104   251,082 2,026 SH   SOLE   0 0 2,026
EXXON MOBIL CORP COM 30231G102   497,834 4,628 SH   SOLE   0 0 4,628
ISHARES TR CORE US AGGBD ET 464287226   95,328 983 SH   SOLE   0 0 983
ISHARES TR CORE US AGGBD ET 464287226   6,913,875 71,351 SH   OTR 1 0 0 71,351
ISHARES TR CORE US AGGBD ET 464287226   2,283,855 23,569 SH   OTR 1,2 0 0 23,569
ISHARES TR 1 3 YR TREAS BD 464287457   2,277,732 27,784 SH   OTR 1 0 0 27,784
ISHARES TR 1 3 YR TREAS BD 464287457   221,264 2,699 SH   OTR 1,2 0 0 2,699
ISHARES TR MSCI EAFE ETF 464287465   203,618 2,693 SH   SOLE   0 0 2,693
ISHARES TR RUS 2000 VAL ETF 464287630   17,074 104 SH   SOLE   0 0 104
ISHARES TR RUS 2000 VAL ETF 464287630   635,174 3,869 SH   OTR 1,2 0 0 3,869
ISHARES TR CALIF MUN BD ETF 464288356   1,075,031 18,768 SH   SOLE   0 0 18,768
ISHARES INC CORE MSCI EMKT 46434G103   951,240 18,216 SH   SOLE   0 0 18,216
ISHARES INC CORE MSCI EMKT 46434G103   10,131 194 SH   OTR 1,2 0 0 194
JPMORGAN CHASE & CO COM 46625H100   905,864 3,779 SH   SOLE   0 0 3,779
JOHNSON & JOHNSON COM 478160104   351,045 2,427 SH   SOLE   0 0 2,427
LILLY ELI & CO COM 532457108   464,744 602 SH   SOLE   0 0 602
MICROSOFT CORP COM 594918104   2,645,547 6,276 SH   SOLE   0 0 6,276
MICROSOFT CORP COM 594918104   419,814 996 SH   OTR 1 0 0 996
NVIDIA CORPORATION COM 67066G104   255,151 1,900 SH   SOLE   0 0 1,900
ORACLE CORP COM 68389X105   446,762 2,681 SH   SOLE   0 0 2,681
PEPSICO INC COM 713448108   261,391 1,719 SH   SOLE   0 0 1,719
PHILIP MORRIS INTL INC COM 718172109   238,293 1,980 SH   SOLE   0 0 1,980
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,364,685 5,741 SH   SOLE   0 0 5,741
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,853,512 20,272 SH   OTR 1 0 0 20,272
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   930,839 10,181 SH   OTR 1,2 0 0 10,181
TEXAS INSTRS INC COM 882508104   319,330 1,703 SH   SOLE   0 0 1,703
3M CO COM 88579Y101   268,507 2,080 SH   OTR 1 0 0 2,080
UNITEDHEALTH GROUP INC COM 91324P102   566,057 1,119 SH   SOLE   0 0 1,119
VANGUARD STAR FDS VG TL INTL STK F 921909768   221,164 3,753 SH   SOLE   0 0 3,753
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,985 147 SH   SOLE   0 0 147
VANGUARD BD INDEX FDS INTERMED TERM 921937819   9,295,111 124,383 SH   OTR 1 0 0 124,383
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,147,479 15,355 SH   OTR 1,2 0 0 15,355
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,209,516 41,536 SH   SOLE   0 0 41,536
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   11,470,533 148,447 SH   OTR 1 0 0 148,447
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,120,657 40,386 SH   OTR 1,2 0 0 40,386
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,773,298 24,659 SH   SOLE   0 0 24,659
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   266,501 5,573 SH   SOLE   0 0 5,573
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,350 321 SH   OTR 1,2 0 0 321
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   467,681 3,980 SH   SOLE   0 0 3,980
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   58,785 500 SH   OTR 1 0 0 500
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   9,398 80 SH   OTR 1,2 0 0 80
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   220,464 5,006 SH   SOLE   0 0 5,006
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,507,730 60,291 SH   SOLE   0 0 60,291
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   475,364 8,171 SH   OTR 1 0 0 8,171
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   226,238 3,889 SH   OTR 1,2 0 0 3,889
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,142,768 14,649 SH   SOLE   0 0 14,649
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   39,382 679 SH   SOLE   0 0 679
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   9,044,491 155,940 SH   OTR 1 0 0 155,940
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   638,116 11,002 SH   OTR 1,2 0 0 11,002
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   716,617 1,330 SH   SOLE   0 0 1,330
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,849 9 SH   OTR 1,2 0 0 9
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,636,425 29,596 SH   SOLE   0 0 29,596
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   262,327 2,945 SH   OTR 1 0 0 2,945
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   123,198 1,383 SH   OTR 1,2 0 0 1,383
VANGUARD INDEX FDS SM CP VAL ETF 922908611   222,658 1,123 SH   SOLE   0 0 1,123
VANGUARD INDEX FDS VALUE ETF 922908744   1,550,957 9,161 SH   SOLE   0 0 9,161
VANGUARD INDEX FDS VALUE ETF 922908744   54,176 320 SH   OTR 1,2 0 0 320
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,735,542 7,223 SH   SOLE   0 0 7,223
VANGUARD INDEX FDS TOTAL STK MKT 922908769   410,951 1,418 SH   SOLE   0 0 1,418
VERTEX PHARMACEUTICALS INC COM 92532F100   215,847 536 SH   SOLE   0 0 536
WALMART INC COM 931142103   522,614 5,784 SH   SOLE   0 0 5,784
WELLS FARGO CO NEW COM 949746101   291,285 4,147 SH   SOLE   0 0 4,147
WISDOMTREE TR INTL SMCAP DIV 97717W760   421,351 6,693 SH   SOLE   0 0 6,693