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
AIRBNB INC COM CL A 009066101   448,882 3,919 SH   SOLE   3,919 0 0
ALPHABET INC CAP STK CL C 02079K107   208,648 1,309 SH   SOLE   1,309 0 0
AMAZON COM INC COM 023135106   389,444 2,107 SH   SOLE   2,107 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,391,138 145,958 SH   SOLE   143,282 0 2,677
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   18,083,929 267,435 SH   SOLE   262,777 0 4,658
AMERICAN CENTY ETF TR US SML CP VALU 025072877   17,667,430 223,695 SH   SOLE   219,530 0 4,165
APPLE INC COM 037833100   673,960 3,401 SH   SOLE   3,401 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   709,121 1,353 SH   SOLE   1,353 0 0
CINTAS CORP COM 172908105   364,780 1,770 SH   SOLE   1,770 0 0
CONSTELLATION BRANDS INC CL A 21036P108   363,893 1,960 SH   SOLE   1,960 0 0
COSTCO WHSL CORP NEW COM 22160K105   332,955 346 SH   SOLE   346 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   219,718 4,340 SH   SOLE   4,340 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   356,166 5,576 SH   SOLE   5,576 0 0
ISHARES TR CORE S&P500 ETF 464287200   227,039 423 SH   SOLE   401 0 22
MICROSOFT CORP COM 594918104   1,080,186 2,781 SH   SOLE   2,781 0 0
NVIDIA CORPORATION COM 67066G104   457,027 4,120 SH   SOLE   4,120 0 0
PROGRESSIVE CORP COM 743315103   250,533 909 SH   SOLE   909 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   369,985 3,850 SH   SOLE   3,850 0 0
QUALCOMM INC COM 747525103   227,814 1,636 SH   SOLE   1,636 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,042,035 1,952 SH   SOLE   1,952 0 0
SEMPRA COM 816851109   257,089 3,764 SH   SOLE   3,764 0 0
TETRA TECH INC NEW COM 88162G103   312,867 10,363 SH   SOLE   10,363 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   20,361,568 410,764 SH   SOLE   407,599 0 3,165
VANGUARD WORLD FD INF TECH ETF 92204A702   236,179 454 SH   SOLE   454 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   16,007,205 273,160 SH   SOLE   268,260 0 4,900
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,421,673 195,398 SH   SOLE   191,775 0 3,624
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   369,946 754 SH   SOLE   754 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,889,609 178,041 SH   SOLE   174,618 0 3,424
VANGUARD INDEX FDS LARGE CAP ETF 922908637   584,794 2,382 SH   SOLE   2,382 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   337,649 937 SH   SOLE   937 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   251,067 1,551 SH   SOLE   1,551 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   17,125,047 65,428 SH   SOLE   64,122 0 1,305
VISA INC COM CL A 92826C839   249,367 748 SH   SOLE   748 0 0