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
UBS GROUP AG SHS H42097107   246,663 8,053 SH   SOLE   0 0 8,053
ASML HOLDING N V N Y REGISTRY SHS N07059210   373,061 563 SH   SOLE   0 0 563
AT&T INC COM 00206R102   645,471 22,824 SH   SOLE   0 0 22,824
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   91,428 10,437 SH   SOLE   0 0 10,437
ABBVIE INC COM 00287Y109   438,316 2,092 SH   SOLE   0 0 2,092
ABRDN ETFS BBRG ALL COMD K1 003261104   793,937 36,996 SH   SOLE   0 0 36,996
ADOBE INC COM 00724F101   499,740 1,303 SH   SOLE   0 0 1,303
AGILENT TECHNOLOGIES INC COM 00846U101   344,838 2,948 SH   SOLE   0 0 2,948
AGNICO EAGLE MINES LTD COM 008474108   209,665 1,934 SH   SOLE   0 0 1,934
ALPHABET INC CAP STK CL C 02079K107   1,915,160 12,259 SH   SOLE   0 0 12,259
ALPHABET INC CAP STK CL A 02079K305   1,759,645 11,379 SH   SOLE   0 0 11,379
AMAZON COM INC COM 023135106   3,177,398 16,700 SH   SOLE   0 0 16,700
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   200,285 3,452 SH   SOLE   0 0 3,452
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190   588,894 10,845 SH   SOLE   0 0 10,845
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   1,992,684 27,991 SH   SOLE   0 0 27,991
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   245,337 3,934 SH   SOLE   0 0 3,934
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   1,056,493 21,828 SH   SOLE   0 0 21,828
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   2,896,925 44,425 SH   SOLE   0 0 44,425
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   1,008,746 23,454 SH   SOLE   0 0 23,454
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   2,564,592 45,247 SH   SOLE   0 0 45,247
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   586,321 12,433 SH   SOLE   0 0 12,433
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,786,147 162,642 SH   SOLE   0 0 162,642
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   5,316,137 113,738 SH   SOLE   0 0 113,738
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   48,953,382 738,696 SH   SOLE   0 0 738,696
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   20,368,339 292,061 SH   SOLE   0 0 292,061
AMERICAN CENTY ETF TR US SML CP VALU 025072877   39,510,682 453,260 SH   SOLE   0 0 453,260
AMERICAN CENTY ETF TR US EQT ETF 025072885   57,441,462 621,795 SH   SOLE   0 0 621,795
ANALOG DEVICES INC COM 032654105   254,911 1,264 SH   SOLE   0 0 1,264
APPLE INC COM 037833100   20,276,623 91,283 SH   SOLE   0 0 91,283
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   192,655 14,145 SH   SOLE   0 0 14,145
BANK AMERICA CORP COM 060505104   420,070 10,066 SH   SOLE   0 0 10,066
BANK NEW YORK MELLON CORP COM 064058100   236,933 2,825 SH   SOLE   0 0 2,825
BERKSHIRE HATHAWAY INC DEL CL A 084670108   798,442 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,601,184 3,006 SH   SOLE   0 0 3,006
BLACKBERRY LTD COM 09228F103   69,745 18,500 SH   SOLE   0 0 18,500
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   55,705 12,490 SH   SOLE   0 0 12,490
BROADCOM INC COM 11135F101   289,925 1,732 SH   SOLE   0 0 1,732
CADENCE DESIGN SYSTEM INC COM 127387108   980,188 3,854 SH   SOLE   0 0 3,854
CATERPILLAR INC COM 149123101   201,278 610 SH   SOLE   0 0 610
CHEVRON CORP NEW COM 166764100   747,457 4,468 SH   SOLE   0 0 4,468
CISCO SYS INC COM 17275R102   535,369 8,676 SH   SOLE   0 0 8,676
CITIGROUP INC COM NEW 172967424   220,354 3,104 SH   SOLE   0 0 3,104
COCA COLA CO COM 191216100   355,474 4,963 SH   SOLE   0 0 4,963
CONOCOPHILLIPS COM 20825C104   391,725 3,730 SH   SOLE   0 0 3,730
COSTCO WHSL CORP NEW COM 22160K105   1,013,607 1,072 SH   SOLE   0 0 1,072
DANAHER CORPORATION COM 235851102   274,700 1,340 SH   SOLE   0 0 1,340
DEERE & CO COM 244199105   307,992 656 SH   SOLE   0 0 656
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,122,333 29,197 SH   SOLE   0 0 29,197
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   4,340,652 138,990 SH   SOLE   0 0 138,990
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,151,340 44,470 SH   SOLE   0 0 44,470
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,043,819 50,328 SH   SOLE   0 0 50,328
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   756,456 12,660 SH   SOLE   0 0 12,660
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,576,373 50,036 SH   SOLE   0 0 50,036
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   601,265 9,804 SH   SOLE   0 0 9,804
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   418,599 13,693 SH   SOLE   0 0 13,693
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,855,473 116,868 SH   SOLE   0 0 116,868
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,460,602 205,305 SH   SOLE   0 0 205,305
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   496,620 19,219 SH   SOLE   0 0 19,219
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,062,888 36,500 SH   SOLE   0 0 36,500
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   989,042 35,615 SH   SOLE   0 0 35,615
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   8,359,520 212,386 SH   SOLE   0 0 212,386
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   666,164 23,665 SH   SOLE   0 0 23,665
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   292,328 8,821 SH   SOLE   0 0 8,821
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,271,062 26,748 SH   SOLE   0 0 26,748
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   312,228 7,423 SH   SOLE   0 0 7,423
DOORDASH INC CL A 25809K105   249,847 1,367 SH   SOLE   0 0 1,367
ENEL CHILE S.A. SPONSORED ADR 29278D105   51,610 15,783 SH   SOLE   0 0 15,783
EXXON MOBIL CORP COM 30231G102   1,717,666 14,443 SH   SOLE   0 0 14,443
META PLATFORMS INC CL A 30303M102   3,089,132 5,360 SH   SOLE   0 0 5,360
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   599,798 8,334 SH   SOLE   0 0 8,334
FORD MTR CO COM 345370860   109,855 10,953 SH   SOLE   0 0 10,953
GILEAD SCIENCES INC COM 375558103   882,525 7,876 SH   SOLE   0 0 7,876
GLOBAL X FDS US INFR DEV ETF 37954Y673   346,550 9,185 SH   SOLE   0 0 9,185
GLOBAL X FDS MSCI VIETNAM ETF 37960A883   227,308 14,189 SH   SOLE   0 0 14,189
HSBC HLDGS PLC SPON ADR NEW 404280406   264,350 4,603 SH   SOLE   0 0 4,603
HP INC COM 40434L105   336,215 12,142 SH   SOLE   0 0 12,142
HEWLETT PACKARD ENTERPRISE C COM 42824C109   341,126 22,108 SH   SOLE   0 0 22,108
HOME DEPOT INC COM 437076102   365,977 999 SH   SOLE   0 0 999
INTEL CORP COM 458140100   399,437 17,589 SH   SOLE   0 0 17,589
INTERCONTINENTAL EXCHANGE IN COM 45866F104   216,833 1,257 SH   SOLE   0 0 1,257
INTERNATIONAL BUSINESS MACHS COM 459200101   957,076 3,849 SH   SOLE   0 0 3,849
INVESCO QQQ TR UNIT SER 1 46090E103   1,108,350 2,364 SH   SOLE   0 0 2,364
INTUITIVE SURGICAL INC COM NEW 46120E602   243,178 491 SH   SOLE   0 0 491
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   204,299 8,566 SH   SOLE   0 0 8,566
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   225,101 9,770 SH   SOLE   0 0 9,770
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   1,428,155 61,585 SH   SOLE   0 0 61,585
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,793,505 164,577 SH   SOLE   0 0 164,577
ISHARES GOLD TR ISHARES NEW 464285204   674,679 11,443 SH   SOLE   0 0 11,443
ISHARES TR CORE S&P500 ETF 464287200   1,945,304 3,462 SH   SOLE   0 0 3,462
ISHARES TR CORE US AGGBD ET 464287226   1,280,174 12,942 SH   SOLE   0 0 12,942
ISHARES TR 7-10 YR TRSY BD 464287440   9,192,331 96,386 SH   SOLE   0 0 96,386
ISHARES TR ISHARES SEMICDTR 464287523   692,357 3,679 SH   SOLE   0 0 3,679
ISHARES TR ISHARES BIOTECH 464287556   373,439 2,920 SH   SOLE   0 0 2,920
ISHARES TR RUS 1000 VAL ETF 464287598   422,043 2,243 SH   SOLE   0 0 2,243
ISHARES TR RUS 1000 GRW ETF 464287614   217,376 602 SH   SOLE   0 0 602
ISHARES TR RUS 1000 ETF 464287622   270,314 881 SH   SOLE   0 0 881
ISHARES TR CORE S&P SCP ETF 464287804   252,953 2,419 SH   SOLE   0 0 2,419
ISHARES TR EAFE SML CP ETF 464288273   223,032 3,511 SH   SOLE   0 0 3,511
ISHARES TR CALIF MUN BD ETF 464288356   664,892 11,814 SH   SOLE   0 0 11,814
ISHARES TR ISHS 1-5YR INVS 464288646   1,597,203 30,498 SH   SOLE   0 0 30,498
ISHARES TR US HOME CONS ETF 464288752   349,090 3,667 SH   SOLE   0 0 3,667
ISHARES TR RUS TP200 GR ETF 464289438   1,059,763 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   418,290 8,125 SH   SOLE   0 0 8,125
ISHARES U S ETF TR SHORT DURATION B 46431W507   705,999 13,878 SH   SOLE   0 0 13,878
ISHARES INC MSCI EMRG CHN 46434G764   2,922,133 53,043 SH   SOLE   0 0 53,043
ISHARES TR ESG AW MSCI EAFE 46435G516   1,104,228 13,517 SH   SOLE   0 0 13,517
ISHARES TR IBONDS 25 TRM HG 46435U168   907,661 39,056 SH   SOLE   0 0 39,056
ISHARES TR US INFRASTRUC 46435U713   692,383 15,362 SH   SOLE   0 0 15,362
ISHARES TR IBONDS 2026 TERM 46436E528   1,082,934 46,638 SH   SOLE   0 0 46,638
JPMORGAN CHASE & CO. COM 46625H100   1,101,924 4,492 SH   SOLE   0 0 4,492
JOHNSON & JOHNSON COM 478160104   401,499 2,421 SH   SOLE   0 0 2,421
KLA CORP COM NEW 482480100   206,659 304 SH   SOLE   0 0 304
KEYSIGHT TECHNOLOGIES INC COM 49338L103   303,734 2,028 SH   SOLE   0 0 2,028
KINDER MORGAN INC DEL COM 49456B101   227,841 7,986 SH   SOLE   0 0 7,986
ELI LILLY & CO COM 532457108   445,184 539 SH   SOLE   0 0 539
MARATHON PETE CORP COM 56585A102   220,429 1,513 SH   SOLE   0 0 1,513
MARQETA INC CLASS A COM 57142B104   2,031,646 493,118 SH   SOLE   0 0 493,118
MASTERCARD INCORPORATED CL A 57636Q104   965,090 1,761 SH   SOLE   0 0 1,761
MICROSOFT CORP COM 594918104   3,450,453 9,192 SH   SOLE   0 0 9,192
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   197,021 35,757 SH   SOLE   0 0 35,757
MORGAN STANLEY COM NEW 617446448   200,932 1,722 SH   SOLE   0 0 1,722
NETFLIX INC COM 64110L106   642,524 689 SH   SOLE   0 0 689
NOMURA HLDGS INC SPONSORED ADR 65535H208   111,653 18,155 SH   SOLE   0 0 18,155
NOVO-NORDISK A S ADR 670100205   291,995 4,205 SH   SOLE   0 0 4,205
NVIDIA CORPORATION COM 67066G104   3,654,234 33,717 SH   SOLE   0 0 33,717
ORACLE CORP COM 68389X105   553,927 3,962 SH   SOLE   0 0 3,962
PALANTIR TECHNOLOGIES INC CL A 69608A108   225,517 2,672 SH   SOLE   0 0 2,672
PEPSICO INC COM 713448108   265,187 1,769 SH   SOLE   0 0 1,769
PHILLIPS 66 COM 718546104   225,598 1,827 SH   SOLE   0 0 1,827
PORCH GROUP INC COM 733245104   796,695 109,286 SH   SOLE   0 0 109,286
PROCEPT BIOROBOTICS CORP COM 74276L105   12,234,600 210,000 SH   SOLE   0 0 210,000
PROGRESSIVE CORP COM 743315103   267,161 944 SH   SOLE   0 0 944
PROSHARES TR LARGE CAP CRE 74347R248   220,726 3,464 SH   SOLE   0 0 3,464
PUBLIC STORAGE OPER CO COM 74460D109   701,835 2,345 SH   SOLE   0 0 2,345
SHELL PLC SPON ADS 780259305   229,220 3,128 SH   SOLE   0 0 3,128
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,610,132 4,666 SH   SOLE   0 0 4,666
SPDR GOLD TR GOLD SHS 78463V107   1,609,550 5,586 SH   SOLE   0 0 5,586
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   547,389 17,127 SH   SOLE   0 0 17,127
SPDR SER TR S&P 600 SMCP VAL 78464A300   208,387 2,658 SH   SOLE   0 0 2,658
SPDR SER TR PORTFOLIO LN TSR 78464A664   315,971 11,591 SH   SOLE   0 0 11,591
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,294,494 14,112 SH   SOLE   0 0 14,112
SALESFORCE INC COM 79466L302   1,855,696 6,915 SH   SOLE   0 0 6,915
SAP SE SPON ADR 803054204   260,924 972 SH   SOLE   0 0 972
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,140,000 85,463 SH   SOLE   0 0 85,463
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,895,861 221,816 SH   SOLE   0 0 221,816
SCHWAB STRATEGIC TR LONG TERM US 808524680   20,730,967 632,813 SH   SOLE   0 0 632,813
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   265,552 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   497,484 18,163 SH   SOLE   0 0 18,163
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   381,368 16,574 SH   SOLE   0 0 16,574
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   267,010 13,499 SH   SOLE   0 0 13,499
SERVICENOW INC COM 81762P102   269,095 338 SH   SOLE   0 0 338
SILVACO GROUP INC COM 82728C102   456,000 100,000 SH   SOLE   0 0 100,000
SNOWFLAKE INC CL A 833445109   1,107,747 7,579 SH   SOLE   0 0 7,579
SPINNAKER ETF SERIES SELECT STOXX EUR 84858T772   268,743 8,015 SH   SOLE   0 0 8,015
STARBUCKS CORP COM 855244109   596,996 6,086 SH   SOLE   0 0 6,086
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   266,005 17,206 SH   SOLE   0 0 17,206
SYSCO CORP COM 871829107   246,356 3,283 SH   SOLE   0 0 3,283
TJX COS INC NEW COM 872540109   267,595 2,197 SH   SOLE   0 0 2,197
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   263,608 1,588 SH   SOLE   0 0 1,588
TARGET CORP COM 87612E106   1,061,244 10,169 SH   SOLE   0 0 10,169
TESLA INC COM 88160R101   1,345,352 5,191 SH   SOLE   0 0 5,191
TEXAS INSTRS INC COM 882508104   254,296 1,415 SH   SOLE   0 0 1,415
UNITEDHEALTH GROUP INC COM 91324P102   534,681 1,021 SH   SOLE   0 0 1,021
VALVOLINE INC COM 92047W101   220,034 6,321 SH   SOLE   0 0 6,321
VANECK ETF TRUST GOLD MINERS ETF 92189F106   214,404 4,664 SH   SOLE   0 0 4,664
VANGUARD STAR FDS VG TL INTL STK F 921909768   479,882 7,728 SH   SOLE   0 0 7,728
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,457,154 32,090 SH   SOLE   0 0 32,090
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,433,404 128,433 SH   SOLE   0 0 128,433
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   335,858 6,607 SH   SOLE   0 0 6,607
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,373,314 52,729 SH   SOLE   0 0 52,729
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   406,897 6,338 SH   SOLE   0 0 6,338
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   849,974 3,211 SH   SOLE   0 0 3,211
VANGUARD WORLD FD INF TECH ETF 92204A702   605,938 1,117 SH   SOLE   0 0 1,117
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   212,860 3,509 SH   SOLE   0 0 3,509
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,948,914 65,155 SH   SOLE   0 0 65,155
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   260,209 3,706 SH   SOLE   0 0 3,706
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   455,894 5,576 SH   SOLE   0 0 5,576
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,669,297 9,086 SH   SOLE   0 0 9,086
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,229,629 13,888 SH   SOLE   0 0 13,888
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,219,285 9,072 SH   SOLE   0 0 9,072
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   547,191 6,044 SH   SOLE   0 0 6,044
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,454,599 5,777 SH   SOLE   0 0 5,777
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,994,831 16,076 SH   SOLE   0 0 16,076
VANGUARD INDEX FDS GROWTH ETF 922908736   14,803,736 39,922 SH   SOLE   0 0 39,922
VANGUARD INDEX FDS VALUE ETF 922908744   9,056,103 52,426 SH   SOLE   0 0 52,426
VANGUARD INDEX FDS SMALL CP ETF 922908751   565,887 2,552 SH   SOLE   0 0 2,552
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,680,169 9,752 SH   SOLE   0 0 9,752
VERIZON COMMUNICATIONS INC COM 92343V104   462,445 10,195 SH   SOLE   0 0 10,195
VISA INC COM CL A 92826C839   2,104,890 6,006 SH   SOLE   0 0 6,006
WALMART INC COM 931142103   280,489 3,195 SH   SOLE   0 0 3,195
WASTE MGMT INC DEL COM 94106L109   222,066 959 SH   SOLE   0 0 959
WIPRO LTD SPON ADR 1 SH 97651M109   63,893 20,880 SH   SOLE   0 0 20,880