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
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
UBS GROUP AG SHS H42097107   268,430 9,087 SH   SOLE   0 0 9,087
ASML HOLDING N V N Y REGISTRY SHS N07059210   810,002 792 SH   SOLE   0 0 792
AT&T INC COM 00206R102   409,308 21,419 SH   SOLE   0 0 21,419
ABBVIE INC COM 00287Y109   334,979 1,953 SH   SOLE   0 0 1,953
ABRDN ETFS BBRG ALL COMD K1 003261104   341,117 16,779 SH   SOLE   0 0 16,779
ADOBE INC COM 00724F101   649,426 1,169 SH   SOLE   0 0 1,169
ADVANCED MICRO DEVICES INC COM 007903107   204,146 1,259 SH   SOLE   0 0 1,259
AGILENT TECHNOLOGIES INC COM 00846U101   342,742 2,644 SH   SOLE   0 0 2,644
ALPHABET INC CAP STK CL C 02079K107   1,454,999 7,933 SH   SOLE   0 0 7,933
ALPHABET INC CAP STK CL A 02079K305   2,316,352 12,717 SH   SOLE   0 0 12,717
AMAZON COM INC COM 023135106   3,293,919 17,045 SH   SOLE   0 0 17,045
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   218,051 3,866 SH   SOLE   0 0 3,866
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   904,250 13,045 SH   SOLE   0 0 13,045
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   1,297,890 20,654 SH   SOLE   0 0 20,654
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   387,413 9,399 SH   SOLE   0 0 9,399
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   412,015 7,857 SH   SOLE   0 0 7,857
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,056,681 148,251 SH   SOLE   0 0 148,251
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   43,684,295 701,643 SH   SOLE   0 0 701,643
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   17,490,373 269,290 SH   SOLE   0 0 269,290
AMERICAN CENTY ETF TR US SML CP VALU 025072877   39,510,963 440,381 SH   SOLE   0 0 440,381
AMERICAN CENTY ETF TR US EQT ETF 025072885   51,070,016 566,249 SH   SOLE   0 0 566,249
ANALOG DEVICES INC COM 032654105   317,738 1,392 SH   SOLE   0 0 1,392
ELEVANCE HEALTH INC COM 036752103   225,414 416 SH   SOLE   0 0 416
APPLE INC COM 037833100   20,054,139 95,215 SH   SOLE   0 0 95,215
APPLIED MATLS INC COM 038222105   227,730 965 SH   SOLE   0 0 965
AQUA METALS INC COM 03837J101   6,400 20,000 SH   SOLE   0 0 20,000
ASHLAND INC COM 044186104   217,327 2,300 SH   SOLE   0 0 2,300
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   170,881 17,037 SH   SOLE   0 0 17,037
BANK AMERICA CORP COM 060505104   346,642 8,716 SH   SOLE   0 0 8,716
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   954,364 2,346 SH   SOLE   0 0 2,346
BLACKBERRY LTD COM 09228F103   43,400 17,500 SH   SOLE   0 0 17,500
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   65,928 14,716 SH   SOLE   0 0 14,716
BROADCOM INC COM 11135F101   215,141 134 SH   SOLE   0 0 134
CADENCE DESIGN SYSTEM INC COM 127387108   1,187,607 3,859 SH   SOLE   0 0 3,859
CATERPILLAR INC COM 149123101   238,018 715 SH   SOLE   0 0 715
CHEVRON CORP NEW COM 166764100   634,010 4,053 SH   SOLE   0 0 4,053
CISCO SYS INC COM 17275R102   385,643 8,117 SH   SOLE   0 0 8,117
COCA COLA CO COM 191216100   293,243 4,607 SH   SOLE   0 0 4,607
COMCAST CORP NEW CL A 20030N101   301,552 7,701 SH   SOLE   0 0 7,701
CONOCOPHILLIPS COM 20825C104   420,003 3,672 SH   SOLE   0 0 3,672
COSTCO WHSL CORP NEW COM 22160K105   836,700 984 SH   SOLE   0 0 984
DANAHER CORPORATION COM 235851102   306,816 1,228 SH   SOLE   0 0 1,228
DEERE & CO COM 244199105   234,022 626 SH   SOLE   0 0 626
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,657,841 123,284 SH   SOLE   0 0 123,284
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,132,852 43,790 SH   SOLE   0 0 43,790
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,453,182 41,685 SH   SOLE   0 0 41,685
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   770,139 12,819 SH   SOLE   0 0 12,819
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,574,191 49,628 SH   SOLE   0 0 49,628
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   630,966 21,825 SH   SOLE   0 0 21,825
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,123,370 96,879 SH   SOLE   0 0 96,879
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,154,548 207,653 SH   SOLE   0 0 207,653
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   472,639 19,190 SH   SOLE   0 0 19,190
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,007,108 37,432 SH   SOLE   0 0 37,432
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   503,886 19,166 SH   SOLE   0 0 19,166
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,154,535 199,069 SH   SOLE   0 0 199,069
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   871,519 30,282 SH   SOLE   0 0 30,282
ENEL CHILE S.A. SPONSORED ADR 29278D105   52,816 18,863 SH   SOLE   0 0 18,863
EXCHANGE TRADED CONCEPTS TRU BITWISE CRYPTO 301505624   256,147 19,002 SH   SOLE   0 0 19,002
EXXON MOBIL CORP COM 30231G102   1,575,763 13,688 SH   SOLE   0 0 13,688
META PLATFORMS INC CL A 30303M102   2,532,755 5,023 SH   SOLE   0 0 5,023
FTC SOLAR INC COM 30320C103   21,180 60,000 SH   SOLE   0 0 60,000
GILEAD SCIENCES INC COM 375558103   941,878 13,728 SH   SOLE   0 0 13,728
GLOBAL X FDS US INFR DEV ETF 37954Y673   502,324 13,569 SH   SOLE   0 0 13,569
GLOBAL X FDS MSCI VIETNAM ETF 37960A883   234,627 14,775 SH   SOLE   0 0 14,775
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   577,441 10,846 SH   SOLE   0 0 10,846
HSBC HLDGS PLC SPON ADR NEW 404280406   247,080 5,680 SH   SOLE   0 0 5,680
HP INC COM 40434L105   422,105 12,053 SH   SOLE   0 0 12,053
HEWLETT PACKARD ENTERPRISE C COM 42824C109   486,952 23,002 SH   SOLE   0 0 23,002
HOME DEPOT INC COM 437076102   411,491 1,195 SH   SOLE   0 0 1,195
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   227,969 7,071 SH   SOLE   0 0 7,071
INTEL CORP COM 458140100   535,100 17,278 SH   SOLE   0 0 17,278
INTERNATIONAL BUSINESS MACHS COM 459200101   677,698 3,918 SH   SOLE   0 0 3,918
INVESCO QQQ TR UNIT SER 1 46090E103   656,270 1,370 SH   SOLE   0 0 1,370
INTUITIVE SURGICAL INC COM NEW 46120E602   225,984 508 SH   SOLE   0 0 508
INTUIT COM 461202103   211,622 322 SH   SOLE   0 0 322
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   533,785 21,637 SH   SOLE   0 0 21,637
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   304,290 12,850 SH   SOLE   0 0 12,850
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   1,153,319 50,003 SH   SOLE   0 0 50,003
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,800,252 165,877 SH   SOLE   0 0 165,877
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   2,531,080 111,403 SH   SOLE   0 0 111,403
ISHARES GOLD TR ISHARES NEW 464285204   493,510 11,234 SH   SOLE   0 0 11,234
ISHARES TR CORE S&P500 ETF 464287200   1,332,782 2,436 SH   SOLE   0 0 2,436
ISHARES TR CORE US AGGBD ET 464287226   1,171,981 12,074 SH   SOLE   0 0 12,074
ISHARES TR ISHARES SEMICDTR 464287523   1,396,172 5,661 SH   SOLE   0 0 5,661
ISHARES TR ISHARES BIOTECH 464287556   390,085 2,842 SH   SOLE   0 0 2,842
ISHARES TR RUS 1000 VAL ETF 464287598   212,504 1,218 SH   SOLE   0 0 1,218
ISHARES TR RUS 1000 GRW ETF 464287614   219,435 602 SH   SOLE   0 0 602
ISHARES TR CALIF MUN BD ETF 464288356   1,164,648 20,476 SH   SOLE   0 0 20,476
ISHARES TR ISHS 1-5YR INVS 464288646   1,419,665 27,706 SH   SOLE   0 0 27,706
ISHARES TR US HOME CONS ETF 464288752   511,263 5,059 SH   SOLE   0 0 5,059
ISHARES TR RUS TP200 GR ETF 464289438   1,336,674 6,231 SH   SOLE   0 0 6,231
ISHARES TR MSCI INDIA ETF 46429B598   465,178 8,340 SH   SOLE   0 0 8,340
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   573,990 11,405 SH   SOLE   0 0 11,405
ISHARES INC MSCI EMRG CHN 46434G764   2,838,827 47,953 SH   SOLE   0 0 47,953
ISHARES TR ESG AW MSCI EAFE 46435G516   1,130,373 14,348 SH   SOLE   0 0 14,348
ISHARES TR IBONDS 25 TRM HG 46435U168   804,733 34,575 SH   SOLE   0 0 34,575
ISHARES TR IBONDS 24 TRM HG 46435U184   1,681,849 72,369 SH   SOLE   0 0 72,369
ISHARES TR ESG AWR US AGRGT 46435U549   328,601 7,050 SH   SOLE   0 0 7,050
ISHARES TR US INFRASTRUC 46435U713   594,175 14,107 SH   SOLE   0 0 14,107
ISHARES TR IBONDS 2026 TERM 46436E528   1,068,477 46,638 SH   SOLE   0 0 46,638
JPMORGAN CHASE & CO. COM 46625H100   887,284 4,387 SH   SOLE   0 0 4,387
JOHNSON & JOHNSON COM 478160104   375,924 2,572 SH   SOLE   0 0 2,572
KLA CORP COM NEW 482480100   212,724 258 SH   SOLE   0 0 258
KEYSIGHT TECHNOLOGIES INC COM 49338L103   231,518 1,693 SH   SOLE   0 0 1,693
ELI LILLY & CO COM 532457108   357,631 395 SH   SOLE   0 0 395
MARATHON PETE CORP COM 56585A102   259,700 1,497 SH   SOLE   0 0 1,497
MARQETA INC CLASS A COM 57142B104   2,707,449 494,060 SH   SOLE   0 0 494,060
MARRIOTT INTL INC NEW CL A 571903202   226,297 936 SH   SOLE   0 0 936
MASTERCARD INCORPORATED CL A 57636Q104   878,400 1,991 SH   SOLE   0 0 1,991
MERCK & CO INC COM 58933Y105   287,216 2,320 SH   SOLE   0 0 2,320
MICROSOFT CORP COM 594918104   3,712,696 8,307 SH   SOLE   0 0 8,307
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   186,661 44,128 SH   SOLE   0 0 44,128
NETFLIX INC COM 64110L106   417,759 619 SH   SOLE   0 0 619
NOMURA HLDGS INC SPONSORED ADR 65535H208   119,039 20,595 SH   SOLE   0 0 20,595
NOVO-NORDISK A S ADR 670100205   780,788 5,470 SH   SOLE   0 0 5,470
NVIDIA CORPORATION COM 67066G104   3,474,573 28,125 SH   SOLE   0 0 28,125
ORACLE CORP COM 68389X105   425,859 3,016 SH   SOLE   0 0 3,016
PEPSICO INC COM 713448108   253,154 1,535 SH   SOLE   0 0 1,535
PHILLIPS 66 COM 718546104   289,963 2,054 SH   SOLE   0 0 2,054
PORCH GROUP INC COM 733245104   219,932 145,650 SH   SOLE   0 0 145,650
PROFIRE ENERGY INC COM 74316X101   27,392 19,290 SH   SOLE   0 0 19,290
PROSHARES TR LARGE CAP CRE 74347R248   214,872 3,464 SH   SOLE   0 0 3,464
PUBLIC STORAGE OPER CO COM 74460D109   637,145 2,215 SH   SOLE   0 0 2,215
SHELL PLC SPON ADS 780259305   247,433 3,428 SH   SOLE   0 0 3,428
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,031,773 1,896 SH   SOLE   0 0 1,896
SPDR GOLD TR GOLD SHS 78463V107   498,178 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   509,713 16,059 SH   SOLE   0 0 16,059
SPDR SER TR S&P 600 SMCP VAL 78464A300   208,148 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   2,498,888 9,720 SH   SOLE   0 0 9,720
SAP SE SPON ADR 803054204   248,708 1,233 SH   SOLE   0 0 1,233
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,741,762 37,106 SH   SOLE   0 0 37,106
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,790,369 64,665 SH   SOLE   0 0 64,665
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   257,396 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   498,783 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   362,329 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   397,128 10,336 SH   SOLE   0 0 10,336
SERVICENOW INC COM 81762P102   309,948 394 SH   SOLE   0 0 394
SNOWFLAKE INC CL A 833445109   1,250,528 9,257 SH   SOLE   0 0 9,257
STARBUCKS CORP COM 855244109   462,885 5,946 SH   SOLE   0 0 5,946
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   269,072 20,065 SH   SOLE   0 0 20,065
TJX COS INC NEW COM 872540109   223,393 2,029 SH   SOLE   0 0 2,029
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   265,060 1,525 SH   SOLE   0 0 1,525
TARGET CORP COM 87612E106   1,572,015 10,619 SH   SOLE   0 0 10,619
TESLA INC COM 88160R101   1,462,967 7,393 SH   SOLE   0 0 7,393
TEXAS INSTRS INC COM 882508104   248,220 1,276 SH   SOLE   0 0 1,276
UNITED RENTALS INC COM 911363109   206,307 319 SH   SOLE   0 0 319
UNITEDHEALTH GROUP INC COM 91324P102   504,130 990 SH   SOLE   0 0 990
VALVOLINE INC COM 92047W101   272,765 6,314 SH   SOLE   0 0 6,314
VANGUARD STAR FDS VG TL INTL STK F 921909768   482,822 8,007 SH   SOLE   0 0 8,007
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,931,691 25,794 SH   SOLE   0 0 25,794
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,922,431 48,258 SH   SOLE   0 0 48,258
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   435,473 6,922 SH   SOLE   0 0 6,922
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   905,459 3,404 SH   SOLE   0 0 3,404
VANGUARD WORLD FD INF TECH ETF 92204A702   674,034 1,169 SH   SOLE   0 0 1,169
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,697,373 61,640 SH   SOLE   0 0 61,640
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   249,978 4,989 SH   SOLE   0 0 4,989
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,435,018 8,868 SH   SOLE   0 0 8,868
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,014,354 13,391 SH   SOLE   0 0 13,391
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,052,322 8,940 SH   SOLE   0 0 8,940
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   347,998 4,155 SH   SOLE   0 0 4,155
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,405,196 5,618 SH   SOLE   0 0 5,618
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,273,207 17,933 SH   SOLE   0 0 17,933
VANGUARD INDEX FDS GROWTH ETF 922908736   14,112,614 37,733 SH   SOLE   0 0 37,733
VANGUARD INDEX FDS VALUE ETF 922908744   5,957,556 37,140 SH   SOLE   0 0 37,140
VANGUARD INDEX FDS SMALL CP ETF 922908751   647,797 2,971 SH   SOLE   0 0 2,971
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,265,798 8,470 SH   SOLE   0 0 8,470
VERIZON COMMUNICATIONS INC COM 92343V104   396,770 9,621 SH   SOLE   0 0 9,621
VISA INC COM CL A 92826C839   1,643,355 6,261 SH   SOLE   0 0 6,261