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   284,088 8,400 SH   SOLE   0 0 8,400
SPOTIFY TECHNOLOGY S A SHS L8681T102   303,867 396 SH   SOLE   0 0 396
ASML HOLDING N V N Y REGISTRY SHS N07059210   449,580 561 SH   SOLE   0 0 561
AT&T INC COM 00206R102   679,824 23,491 SH   SOLE   0 0 23,491
ABBVIE INC COM 00287Y109   511,754 2,757 SH   SOLE   0 0 2,757
ABRDN ETFS BBRG ALL COMD K1 003261104   882,395 42,484 SH   SOLE   0 0 42,484
ADOBE INC COM 00724F101   486,308 1,257 SH   SOLE   0 0 1,257
AGILENT TECHNOLOGIES INC COM 00846U101   493,872 4,185 SH   SOLE   0 0 4,185
AGNICO EAGLE MINES LTD COM 008474108   221,210 1,860 SH   SOLE   0 0 1,860
ALPHABET INC CAP STK CL C 02079K107   2,364,851 13,331 SH   SOLE   0 0 13,331
ALPHABET INC CAP STK CL A 02079K305   2,239,221 12,706 SH   SOLE   0 0 12,706
AMAZON COM INC COM 023135106   3,623,469 16,516 SH   SOLE   0 0 16,516
AMERICAN CENTY ETF TR AVANTIS CR ETF 02507A200   219,362 4,319 SH   SOLE   0 0 4,319
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   208,505 3,392 SH   SOLE   0 0 3,392
AMERICAN CENTY ETF TR AVANTIS INTL SML 025072190   692,246 11,128 SH   SOLE   0 0 11,128
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   2,354,640 30,390 SH   SOLE   0 0 30,390
AMERICAN CENTY ETF TR AVANTIS RESPON U 025072281   281,879 4,109 SH   SOLE   0 0 4,109
AMERICAN CENTY ETF TR AVANTIS US SMALL 025072323   1,147,910 22,259 SH   SOLE   0 0 22,259
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   3,775,840 55,356 SH   SOLE   0 0 55,356
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   995,943 22,553 SH   SOLE   0 0 22,553
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   2,708,878 43,527 SH   SOLE   0 0 43,527
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   646,210 12,069 SH   SOLE   0 0 12,069
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   603,865 14,509 SH   SOLE   0 0 14,509
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   11,873,834 173,239 SH   SOLE   0 0 173,239
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687   5,336,180 113,463 SH   SOLE   0 0 113,463
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   55,693,054 752,507 SH   SOLE   0 0 752,507
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   23,955,390 302,162 SH   SOLE   0 0 302,162
AMERICAN CENTY ETF TR US SML CP VALU 025072877   41,474,981 455,269 SH   SOLE   0 0 455,269
AMERICAN CENTY ETF TR US EQT ETF 025072885   65,711,137 651,767 SH   SOLE   0 0 651,767
AMERICAN ELEC PWR CO INC COM 025537101   222,461 2,144 SH   SOLE   0 0 2,144
ANALOG DEVICES INC COM 032654105   309,902 1,302 SH   SOLE   0 0 1,302
APPLE INC COM 037833100   23,646,149 115,251 SH   SOLE   0 0 115,251
APPLIED MATLS INC COM 038222105   200,136 1,093 SH   SOLE   0 0 1,093
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   234,254 15,241 SH   SOLE   0 0 15,241
BANCO SANTANDER S.A. ADR 05964H105   83,971 10,117 SH   SOLE   0 0 10,117
BANK AMERICA CORP COM 060505104   446,654 9,439 SH   SOLE   0 0 9,439
BANK NEW YORK MELLON CORP COM 064058100   256,748 2,818 SH   SOLE   0 0 2,818
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,614,441 3,323 SH   SOLE   0 0 3,323
BLACKBERRY LTD COM 09228F103   84,730 18,500 SH   SOLE   0 0 18,500
BOEING CO COM 097023105   215,606 1,029 SH   SOLE   0 0 1,029
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   48,966 11,414 SH   SOLE   0 0 11,414
BROADCOM INC COM 11135F101   625,520 2,269 SH   SOLE   0 0 2,269
CADENCE DESIGN SYSTEM INC COM 127387108   1,203,018 3,904 SH   SOLE   0 0 3,904
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   243,096 9,243 SH   SOLE   0 0 9,243
CAPITAL ONE FINL CORP COM 14040H105   326,387 1,534 SH   SOLE   0 0 1,534
CATERPILLAR INC COM 149123101   244,934 631 SH   SOLE   0 0 631
CHEVRON CORP NEW COM 166764100   531,936 3,715 SH   SOLE   0 0 3,715
CISCO SYS INC COM 17275R102   576,022 8,302 SH   SOLE   0 0 8,302
CINTAS CORP COM 172908105   419,664 1,883 SH   SOLE   0 0 1,883
CITIGROUP INC COM NEW 172967424   287,730 3,380 SH   SOLE   0 0 3,380
COCA COLA CO COM 191216100   347,766 4,915 SH   SOLE   0 0 4,915
COINBASE GLOBAL INC COM CL A 19260Q107   263,796 753 SH   SOLE   0 0 753
COMCAST CORP NEW CL A 20030N101   249,578 6,993 SH   SOLE   0 0 6,993
CONOCOPHILLIPS COM 20825C104   357,793 3,987 SH   SOLE   0 0 3,987
COSTCO WHSL CORP NEW COM 22160K105   1,073,260 1,084 SH   SOLE   0 0 1,084
DANAHER CORPORATION COM 235851102   253,839 1,285 SH   SOLE   0 0 1,285
DEERE & CO COM 244199105   343,720 676 SH   SOLE   0 0 676
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,413,063 33,358 SH   SOLE   0 0 33,358
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   5,317,241 153,811 SH   SOLE   0 0 153,811
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,308,189 45,188 SH   SOLE   0 0 45,188
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   3,827,799 57,114 SH   SOLE   0 0 57,114
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   802,791 12,601 SH   SOLE   0 0 12,601
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   460,165 8,624 SH   SOLE   0 0 8,624
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,426,872 44,975 SH   SOLE   0 0 44,975
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   1,175,818 17,589 SH   SOLE   0 0 17,589
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   418,635 13,496 SH   SOLE   0 0 13,496
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   4,599,657 128,339 SH   SOLE   0 0 128,339
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   7,926,869 187,485 SH   SOLE   0 0 187,485
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   530,855 17,886 SH   SOLE   0 0 17,886
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   574,703 19,259 SH   SOLE   0 0 19,259
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,202,478 36,538 SH   SOLE   0 0 36,538
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   1,298,104 41,753 SH   SOLE   0 0 41,753
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   9,235,762 215,638 SH   SOLE   0 0 215,638
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   597,597 20,306 SH   SOLE   0 0 20,306
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   313,675 8,821 SH   SOLE   0 0 8,821
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,976,076 41,160 SH   SOLE   0 0 41,160
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   628,992 14,884 SH   SOLE   0 0 14,884
DISNEY WALT CO COM 254687106   244,359 1,970 SH   SOLE   0 0 1,970
DOORDASH INC CL A 25809K105   339,937 1,379 SH   SOLE   0 0 1,379
ENEL CHILE S.A. SPONSORED ADR 29278D105   61,681 16,992 SH   SOLE   0 0 16,992
EXXON MOBIL CORP COM 30231G102   1,512,733 14,033 SH   SOLE   0 0 14,033
META PLATFORMS INC CL A 30303M102   4,031,873 5,463 SH   SOLE   0 0 5,463
FIDELITY WISE ORIGIN BITCOIN SHS 315948109   593,547 6,315 SH   SOLE   0 0 6,315
FORD MTR CO COM 345370860   147,861 13,628 SH   SOLE   0 0 13,628
GE AEROSPACE COM NEW 369604301   337,438 1,311 SH   SOLE   0 0 1,311
GILEAD SCIENCES INC COM 375558103   882,130 7,956 SH   SOLE   0 0 7,956
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   200,192 5,396 SH   SOLE   0 0 5,396
GLOBAL X FDS US INFR DEV ETF 37954Y673   400,282 9,185 SH   SOLE   0 0 9,185
GOLDMAN SACHS GROUP INC COM 38141G104   324,947 459 SH   SOLE   0 0 459
GRAINGER W W INC COM 384802104   212,209 204 SH   SOLE   0 0 204
HSBC HLDGS PLC SPON ADR NEW 404280406   302,856 4,982 SH   SOLE   0 0 4,982
HP INC COM 40434L105   334,280 13,666 SH   SOLE   0 0 13,666
HEWLETT PACKARD ENTERPRISE C COM 42824C109   489,778 23,950 SH   SOLE   0 0 23,950
HOME DEPOT INC COM 437076102   429,134 1,170 SH   SOLE   0 0 1,170
HOWMET AEROSPACE INC COM 443201108   261,593 1,405 SH   SOLE   0 0 1,405
ING GROEP N.V. SPONSORED ADR 456837103   201,532 9,215 SH   SOLE   0 0 9,215
INTEL CORP COM 458140100   366,119 16,345 SH   SOLE   0 0 16,345
INTERCONTINENTAL EXCHANGE IN COM 45866F104   234,478 1,278 SH   SOLE   0 0 1,278
INTERNATIONAL BUSINESS MACHS COM 459200101   1,224,410 4,154 SH   SOLE   0 0 4,154
INVESCO QQQ TR UNIT SER 1 46090E103   1,308,828 2,373 SH   SOLE   0 0 2,373
INTUITIVE SURGICAL INC COM NEW 46120E602   266,814 491 SH   SOLE   0 0 491
INTUIT COM 461202103   273,308 347 SH   SOLE   0 0 347
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   1,439,379 61,696 SH   SOLE   0 0 61,696
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,635,537 157,587 SH   SOLE   0 0 157,587
ISHARES GOLD TR ISHARES NEW 464285204   713,585 11,443 SH   SOLE   0 0 11,443
ISHARES TR CORE S&P500 ETF 464287200   2,120,559 3,415 SH   SOLE   0 0 3,415
ISHARES TR CORE US AGGBD ET 464287226   1,331,589 13,423 SH   SOLE   0 0 13,423
ISHARES TR 20 YR TR BD ETF 464287432   208,005 2,357 SH   SOLE   0 0 2,357
ISHARES TR 7-10 YR TRSY BD 464287440   10,978,471 114,634 SH   SOLE   0 0 114,634
ISHARES TR RUS MD CP GR ETF 464287481   567,201 4,090 SH   SOLE   0 0 4,090
ISHARES TR RUS MID CAP ETF 464287499   497,417 5,408 SH   SOLE   0 0 5,408
ISHARES TR ISHARES SEMICDTR 464287523   910,784 3,816 SH   SOLE   0 0 3,816
ISHARES TR ISHARES BIOTECH 464287556   371,911 2,940 SH   SOLE   0 0 2,940
ISHARES TR RUS 1000 VAL ETF 464287598   236,572 1,218 SH   SOLE   0 0 1,218
ISHARES TR RUS 1000 GRW ETF 464287614   390,189 919 SH   SOLE   0 0 919
ISHARES TR RUS 1000 ETF 464287622   285,710 841 SH   SOLE   0 0 841
ISHARES TR RUSSELL 2000 ETF 464287655   271,508 1,258 SH   SOLE   0 0 1,258
ISHARES TR U.S. TECH ETF 464287721   248,123 1,432 SH   SOLE   0 0 1,432
ISHARES TR CORE S&P SCP ETF 464287804   302,997 2,772 SH   SOLE   0 0 2,772
ISHARES TR EAFE SML CP ETF 464288273   256,996 3,536 SH   SOLE   0 0 3,536
ISHARES TR CALIF MUN BD ETF 464288356   920,658 16,517 SH   SOLE   0 0 16,517
ISHARES TR ISHS 1-5YR INVS 464288646   1,736,812 32,919 SH   SOLE   0 0 32,919
ISHARES TR US HOME CONS ETF 464288752   341,887 3,669 SH   SOLE   0 0 3,669
ISHARES TR US AER DEF ETF 464288760   214,295 1,136 SH   SOLE   0 0 1,136
ISHARES TR RUS TP200 GR ETF 464289438   1,238,466 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   452,417 8,125 SH   SOLE   0 0 8,125
ISHARES U S ETF TR SHORT DURATION B 46431W507   866,882 16,964 SH   SOLE   0 0 16,964
ISHARES INC MSCI EMRG CHN 46434G764   3,285,654 52,038 SH   SOLE   0 0 52,038
ISHARES TR ESG AW MSCI EAFE 46435G516   1,204,402 13,499 SH   SOLE   0 0 13,499
ISHARES TR IBONDS 25 TRM HG 46435U168   758,718 32,626 SH   SOLE   0 0 32,626
ISHARES TR ESG AWARE MSCI 46435U663   202,302 4,895 SH   SOLE   0 0 4,895
ISHARES TR US INFRASTRUC 46435U713   755,875 15,366 SH   SOLE   0 0 15,366
ISHARES TR IBONDS 2026 TERM 46436E528   1,083,401 46,638 SH   SOLE   0 0 46,638
JPMORGAN CHASE & CO. COM 46625H100   1,472,099 5,078 SH   SOLE   0 0 5,078
JOHNSON & JOHNSON COM 478160104   441,765 2,892 SH   SOLE   0 0 2,892
KEYSIGHT TECHNOLOGIES INC COM 49338L103   449,960 2,746 SH   SOLE   0 0 2,746
KINDER MORGAN INC DEL COM 49456B101   274,469 9,336 SH   SOLE   0 0 9,336
L3HARRIS TECHNOLOGIES INC COM 502431109   211,219 842 SH   SOLE   0 0 842
ELI LILLY & CO COM 532457108   470,078 603 SH   SOLE   0 0 603
MARATHON PETE CORP COM 56585A102   261,970 1,577 SH   SOLE   0 0 1,577
MARQETA INC CLASS A COM 57142B104   2,874,878 493,118 SH   SOLE   0 0 493,118
MASTERCARD INCORPORATED CL A 57636Q104   1,009,956 1,797 SH   SOLE   0 0 1,797
MERCK & CO INC COM 58933Y105   217,532 2,748 SH   SOLE   0 0 2,748
MICROSOFT CORP COM 594918104   5,205,867 10,466 SH   SOLE   0 0 10,466
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   189,874 34,150 SH   SOLE   0 0 34,150
MORGAN STANLEY COM NEW 617446448   288,429 2,048 SH   SOLE   0 0 2,048
NETFLIX INC COM 64110L106   984,276 735 SH   SOLE   0 0 735
NOMURA HLDGS INC SPONSORED ADR 65535H208   115,071 17,488 SH   SOLE   0 0 17,488
NORTHROP GRUMMAN CORP COM 666807102   276,989 554 SH   SOLE   0 0 554
NOVO-NORDISK A S ADR 670100205   302,170 4,378 SH   SOLE   0 0 4,378
NVIDIA CORPORATION COM 67066G104   5,417,205 34,288 SH   SOLE   0 0 34,288
ORACLE CORP COM 68389X105   952,571 4,357 SH   SOLE   0 0 4,357
PALANTIR TECHNOLOGIES INC CL A 69608A108   557,140 4,087 SH   SOLE   0 0 4,087
PEPSICO INC COM 713448108   231,249 1,751 SH   SOLE   0 0 1,751
PHILIP MORRIS INTL INC COM 718172109   208,539 1,145 SH   SOLE   0 0 1,145
PHILLIPS 66 COM 718546104   213,070 1,786 SH   SOLE   0 0 1,786
PORCH GROUP INC COM 733245104   1,288,482 109,286 SH   SOLE   0 0 109,286
PROCTER AND GAMBLE CO COM 742718109   202,498 1,271 SH   SOLE   0 0 1,271
PROCEPT BIOROBOTICS CORP COM 74276L105   12,096,000 210,000 SH   SOLE   0 0 210,000
PROGRESSIVE CORP COM 743315103   250,048 937 SH   SOLE   0 0 937
PROSHARES TR LARGE CAP CRE 74347R248   244,105 3,464 SH   SOLE   0 0 3,464
PROSHARES TR ULTRASHORT QQQ 74349Y829   215,220 8,500 SH   SOLE   0 0 8,500
PUBLIC STORAGE OPER CO COM 74460D109   680,456 2,319 SH   SOLE   0 0 2,319
RTX CORPORATION COM 75513E101   227,288 1,557 SH   SOLE   0 0 1,557
REPUBLIC SVCS INC COM 760759100   220,716 895 SH   SOLE   0 0 895
SHELL PLC SPON ADS 780259305   224,326 3,186 SH   SOLE   0 0 3,186
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,969,445 4,806 SH   SOLE   0 0 4,806
SPDR GOLD TR GOLD SHS 78463V107   1,853,976 6,082 SH   SOLE   0 0 6,082
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   640,185 17,219 SH   SOLE   0 0 17,219
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   212,002 2,658 SH   SOLE   0 0 2,658
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   308,089 11,591 SH   SOLE   0 0 11,591
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663   1,653,491 18,026 SH   SOLE   0 0 18,026
SALESFORCE INC COM 79466L302   1,398,671 5,129 SH   SOLE   0 0 5,129
SAP SE SPON ADR 803054204   304,404 1,001 SH   SOLE   0 0 1,001
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,475,837 84,760 SH   SOLE   0 0 84,760
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   5,827,915 210,622 SH   SOLE   0 0 210,622
SCHWAB STRATEGIC TR LONG TERM US 808524680   18,443,263 578,340 SH   SOLE   0 0 578,340
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   365,937 9,144 SH   SOLE   0 0 9,144
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   520,370 18,163 SH   SOLE   0 0 18,163
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   397,444 16,574 SH   SOLE   0 0 16,574
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   298,228 13,494 SH   SOLE   0 0 13,494
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   230,693 911 SH   SOLE   0 0 911
SERVICENOW INC COM 81762P102   339,266 330 SH   SOLE   0 0 330
SILVACO GROUP INC COM 82728C102   472,000 100,000 SH   SOLE   0 0 100,000
SNOWFLAKE INC CL A 833445109   2,247,471 10,044 SH   SOLE   0 0 10,044
SPINNAKER ETF SERIES SELECT STOXX EUR 84858T772   345,847 8,015 SH   SOLE   0 0 8,015
STARBUCKS CORP COM 855244109   592,693 6,468 SH   SOLE   0 0 6,468
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   273,038 18,070 SH   SOLE   0 0 18,070
SYSCO CORP COM 871829107   213,814 2,823 SH   SOLE   0 0 2,823
TJX COS INC NEW COM 872540109   265,380 2,149 SH   SOLE   0 0 2,149
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   341,547 1,508 SH   SOLE   0 0 1,508
TARGET CORP COM 87612E106   1,055,256 10,697 SH   SOLE   0 0 10,697
TESLA INC COM 88160R101   1,896,243 5,969 SH   SOLE   0 0 5,969
TEXAS INSTRS INC COM 882508104   336,161 1,619 SH   SOLE   0 0 1,619
3M CO COM 88579Y101   218,160 1,433 SH   SOLE   0 0 1,433
ULTA BEAUTY INC COM 90384S303   203,970 436 SH   SOLE   0 0 436
UNITED RENTALS INC COM 911363109   207,185 275 SH   SOLE   0 0 275
UNITEDHEALTH GROUP INC COM 91324P102   230,106 738 SH   SOLE   0 0 738
VALVOLINE INC COM 92047W101   239,263 6,318 SH   SOLE   0 0 6,318
VANECK ETF TRUST GOLD MINERS ETF 92189F106   242,808 4,664 SH   SOLE   0 0 4,664
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,109,709 16,062 SH   SOLE   0 0 16,062
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,538,793 32,826 SH   SOLE   0 0 32,826
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,799,212 200,994 SH   SOLE   0 0 200,994
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   685,544 12,025 SH   SOLE   0 0 12,025
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,961,234 55,051 SH   SOLE   0 0 55,051
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   447,446 6,847 SH   SOLE   0 0 6,847
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   797,899 3,213 SH   SOLE   0 0 3,213
VANGUARD WORLD FD INF TECH ETF 92204A702   741,065 1,117 SH   SOLE   0 0 1,117
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   242,958 3,614 SH   SOLE   0 0 3,614
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,329,985 67,327 SH   SOLE   0 0 67,327
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   287,227 3,706 SH   SOLE   0 0 3,706
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   462,362 5,576 SH   SOLE   0 0 5,576
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,071,252 8,928 SH   SOLE   0 0 8,928
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,378,142 14,460 SH   SOLE   0 0 14,460
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   2,669,750 9,388 SH   SOLE   0 0 9,388
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   726,320 8,155 SH   SOLE   0 0 8,155
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,666,484 6,017 SH   SOLE   0 0 6,017
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,080,819 15,798 SH   SOLE   0 0 15,798
VANGUARD INDEX FDS LARGE CAP ETF 922908637   235,373 825 SH   SOLE   0 0 825
VANGUARD INDEX FDS GROWTH ETF 922908736   18,137,021 41,371 SH   SOLE   0 0 41,371
VANGUARD INDEX FDS VALUE ETF 922908744   10,046,115 56,841 SH   SOLE   0 0 56,841
VANGUARD INDEX FDS SMALL CP ETF 922908751   605,464 2,555 SH   SOLE   0 0 2,555
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,973,876 9,785 SH   SOLE   0 0 9,785
VERIZON COMMUNICATIONS INC COM 92343V104   376,319 8,697 SH   SOLE   0 0 8,697
VISA INC COM CL A 92826C839   2,343,235 6,600 SH   SOLE   0 0 6,600
WABTEC COM 929740108   207,258 990 SH   SOLE   0 0 990
WALMART INC COM 931142103   425,050 4,347 SH   SOLE   0 0 4,347
WELLS FARGO CO NEW COM 949746101   211,372 2,638 SH   SOLE   0 0 2,638
WELLTOWER INC COM 95040Q104   208,612 1,357 SH   SOLE   0 0 1,357