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
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
ASML HOLDING N V N Y REGISTRY SHS N07059210   250,764 346 SH   SOLE   0 0 346
AT&T INC COM 00206R102   312,753 19,608 SH   SOLE   0 0 19,608
ABBVIE INC COM 00287Y109   315,672 2,343 SH   SOLE   0 0 2,343
ADOBE SYSTEMS INCORPORATED COM 00724F101   365,765 748 SH   SOLE   0 0 748
ALPHABET INC CAP STK CL C 02079K107   724,945 5,993 SH   SOLE   0 0 5,993
ALPHABET INC CAP STK CL A 02079K305   679,657 5,678 SH   SOLE   0 0 5,678
AMAZON COM INC COM 023135106   1,993,907 15,295 SH   SOLE   0 0 15,295
AMBEV SA SPONSORED ADR 02319V103   79,983 25,152 SH   SOLE   0 0 25,152
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   590,196 9,834 SH   SOLE   0 0 9,834
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   786,112 14,735 SH   SOLE   0 0 14,735
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   217,432 5,311 SH   SOLE   0 0 5,311
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   371,874 7,647 SH   SOLE   0 0 7,647
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   280,560 6,785 SH   SOLE   0 0 6,785
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,949,837 166,323 SH   SOLE   0 0 166,323
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   41,262,963 718,867 SH   SOLE   0 0 718,867
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   16,198,044 281,411 SH   SOLE   0 0 281,411
AMERICAN CENTY ETF TR US SML CP VALU 025072877   36,926,240 475,792 SH   SOLE   0 0 475,792
AMERICAN CENTY ETF TR US EQT ETF 025072885   43,246,796 575,167 SH   SOLE   0 0 575,167
ANALOG DEVICES INC COM 032654105   204,551 1,050 SH   SOLE   0 0 1,050
APPLE INC COM 037833100   18,837,342 97,115 SH   SOLE   0 0 97,115
AQUA METALS INC COM 03837J101   23,400 20,000 SH   SOLE   0 0 20,000
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   78,435 10,213 SH   SOLE   0 0 10,213
BANK AMERICA CORP COM 060505104   436,652 15,220 SH   SOLE   0 0 15,220
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   373,736 1,096 SH   SOLE   0 0 1,096
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   81,896 17,612 SH   SOLE   0 0 17,612
BROADCOM INC COM 11135F101   260,229 300 SH   SOLE   0 0 300
CHEVRON CORP NEW COM 166764100   367,801 2,337 SH   SOLE   0 0 2,337
CISCO SYS INC COM 17275R102   383,634 7,415 SH   SOLE   0 0 7,415
COMCAST CORP NEW CL A 20030N101   318,522 7,666 SH   SOLE   0 0 7,666
CONOCOPHILLIPS COM 20825C104   305,028 2,944 SH   SOLE   0 0 2,944
COSTCO WHSL CORP NEW COM 22160K105   348,455 647 SH   SOLE   0 0 647
DANAHER CORPORATION COM 235851102   266,160 1,109 SH   SOLE   0 0 1,109
DEERE & CO COM 244199105   219,711 542 SH   SOLE   0 0 542
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,834,654 103,757 SH   SOLE   0 0 103,757
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,114,474 47,505 SH   SOLE   0 0 47,505
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,890,377 39,252 SH   SOLE   0 0 39,252
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   836,456 15,264 SH   SOLE   0 0 15,264
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,897,398 40,901 SH   SOLE   0 0 40,901
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,667,809 98,262 SH   SOLE   0 0 98,262
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   13,233,075 383,567 SH   SOLE   0 0 383,567
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   325,847 14,279 SH   SOLE   0 0 14,279
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   883,802 37,370 SH   SOLE   0 0 37,370
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   481,978 19,859 SH   SOLE   0 0 19,859
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,794,916 145,964 SH   SOLE   0 0 145,964
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   380,341 14,799 SH   SOLE   0 0 14,799
DISCOVER FINL SVCS COM 254709108   234,518 2,007 SH   SOLE   0 0 2,007
ELANCO ANIMAL HEALTH INC COM 28414H103   155,346 15,442 SH   SOLE   0 0 15,442
ENEL CHILE S.A. SPONSORED ADR 29278D105   52,557 15,783 SH   SOLE   0 0 15,783
EXXON MOBIL CORP COM 30231G102   1,024,140 9,549 SH   SOLE   0 0 9,549
META PLATFORMS INC CL A 30303M102   1,155,880 4,028 SH   SOLE   0 0 4,028
FTC SOLAR INC COM 30320C103   194,842 60,510 SH   SOLE   0 0 60,510
GLOBAL X FDS US INFR DEV ETF 37954Y673   347,239 11,048 SH   SOLE   0 0 11,048
HEWLETT PACKARD ENTERPRISE C COM 42824C109   279,182 16,618 SH   SOLE   0 0 16,618
HOME DEPOT INC COM 437076102   308,466 993 SH   SOLE   0 0 993
INTEL CORP COM 458140100   520,595 15,568 SH   SOLE   0 0 15,568
INVESCO QQQ TR UNIT SER 1 46090E103   428,527 1,160 SH   SOLE   0 0 1,160
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   230,599 10,114 SH   SOLE   0 0 10,114
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   1,510,174 66,970 SH   SOLE   0 0 66,970
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   4,630,281 205,973 SH   SOLE   0 0 205,973
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   4,732,863 201,313 SH   SOLE   0 0 201,313
ISHARES GOLD TR ISHARES NEW 464285204   408,805 11,234 SH   SOLE   0 0 11,234
ISHARES TR TIPS BD ETF 464287176   734,399 6,824 SH   SOLE   0 0 6,824
ISHARES TR CORE S&P500 ETF 464287200   1,735,051 3,893 SH   SOLE   0 0 3,893
ISHARES TR ISHARES SEMICDTR 464287523   977,490 1,927 SH   SOLE   0 0 1,927
ISHARES TR ISHARES BIOTECH 464287556   249,476 1,965 SH   SOLE   0 0 1,965
ISHARES TR RUS 1000 ETF 464287622   229,359 941 SH   SOLE   0 0 941
ISHARES TR CORE S&P SCP ETF 464287804   274,120 2,751 SH   SOLE   0 0 2,751
ISHARES TR EAFE SML CP ETF 464288273   201,004 3,408 SH   SOLE   0 0 3,408
ISHARES TR RUS TP200 GR ETF 464289438   796,605 5,024 SH   SOLE   0 0 5,024
ISHARES TR 0-5 YR TIPS ETF 46429B747   967,118 9,909 SH   SOLE   0 0 9,909
ISHARES INC MSCI EMRG CHN 46434G764   760,884 14,638 SH   SOLE   0 0 14,638
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,511,206 59,755 SH   SOLE   0 0 59,755
ISHARES TR IBONDS 23 TRM HG 46435U150   3,900,275 165,056 SH   SOLE   0 0 165,056
ISHARES TR IBONDS 25 TRM HG 46435U168   835,475 36,325 SH   SOLE   0 0 36,325
ISHARES TR IBONDS 24 TRM HG 46435U184   2,829,014 122,575 SH   SOLE   0 0 122,575
ISHARES TR US INFRASTRUC 46435U713   640,363 16,386 SH   SOLE   0 0 16,386
JPMORGAN CHASE & CO COM 46625H100   816,209 5,612 SH   SOLE   0 0 5,612
JOHNSON & JOHNSON COM 478160104   1,038,141 6,272 SH   SOLE   0 0 6,272
KLA CORP COM NEW 482480100   6,888,739 14,203 SH   SOLE   0 0 14,203
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   69,344 31,520 SH   SOLE   0 0 31,520
MARQETA INC CLASS A COM 57142B104   2,406,072 494,060 SH   SOLE   0 0 494,060
MARRIOTT INTL INC NEW CL A 571903202   278,474 1,516 SH   SOLE   0 0 1,516
MASTERCARD INCORPORATED CL A 57636Q104   341,724 869 SH   SOLE   0 0 869
MERCK & CO INC COM 58933Y105   221,433 1,919 SH   SOLE   0 0 1,919
MICROSOFT CORP COM 594918104   3,140,347 9,222 SH   SOLE   0 0 9,222
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   138,255 45,034 SH   SOLE   0 0 45,034
MORGAN STANLEY COM NEW 617446448   202,483 2,371 SH   SOLE   0 0 2,371
NOVO-NORDISK A S ADR 670100205   343,403 2,122 SH   SOLE   0 0 2,122
NVIDIA CORPORATION COM 67066G104   628,938 1,487 SH   SOLE   0 0 1,487
ORACLE CORP COM 68389X105   314,993 2,645 SH   SOLE   0 0 2,645
PEPSICO INC COM 713448108   268,754 1,451 SH   SOLE   0 0 1,451
PORCH GROUP INC COM 733245104   200,997 145,650 SH   SOLE   0 0 145,650
PUBLIC STORAGE COM 74460D109   645,930 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   816,940 1,843 SH   SOLE   0 0 1,843
SPDR GOLD TR GOLD SHS 78463V107   416,795 2,338 SH   SOLE   0 0 2,338
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   522,148 17,114 SH   SOLE   0 0 17,114
SPDR SER TR S&P 600 SMCP VAL 78464A300   205,171 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   1,238,829 5,864 SH   SOLE   0 0 5,864
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,469,896 32,954 SH   SOLE   0 0 32,954
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,658,856 69,442 SH   SOLE   0 0 69,442
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   237,262 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   458,186 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   313,491 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   220,745 6,192 SH   SOLE   0 0 6,192
SNOWFLAKE INC CL A 833445109   31,676 24,180 SH   SOLE   0 0 24,180
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   170,013 19,769 SH   SOLE   0 0 19,769
TESLA INC COM 88160R101   1,143,673 4,369 SH   SOLE   0 0 4,369
UNITEDHEALTH GROUP INC COM 91324P102   301,301 627 SH   SOLE   0 0 627
VALVOLINE INC COM 92047W101   238,864 6,368 SH   SOLE   0 0 6,368
VANGUARD STAR FDS VG TL INTL STK F 921909768   446,733 7,966 SH   SOLE   0 0 7,966
VANGUARD BD INDEX FDS INTERMED TERM 921937819   647,881 8,612 SH   SOLE   0 0 8,612
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   205,349 2,825 SH   SOLE   0 0 2,825
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   565,009 2,308 SH   SOLE   0 0 2,308
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   270,835 2,451 SH   SOLE   0 0 2,451
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   941,818 17,310 SH   SOLE   0 0 17,310
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   396,742 9,753 SH   SOLE   0 0 9,753
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,378,390 8,295 SH   SOLE   0 0 8,295
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   437,353 5,234 SH   SOLE   0 0 5,234
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,934,753 17,743 SH   SOLE   0 0 17,743
VANGUARD INDEX FDS GROWTH ETF 922908736   228,632 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS SMALL CP ETF 922908751   998,428 5,020 SH   SOLE   0 0 5,020
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,710,041 16,842 SH   SOLE   0 0 16,842
VERIZON COMMUNICATIONS INC COM 92343V104   274,908 7,392 SH   SOLE   0 0 7,392
VISA INC COM CL A 92826C839   991,127 4,174 SH   SOLE   0 0 4,174