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
ABBVIE INC COM 00287Y109   263,493 1,138 SH   SOLE 0 0 0 1,138
ALPHABET INC CAP STK CL C 02079K107   719,973 2,956 SH   SOLE 0 0 0 2,956
ALPHABET INC CAP STK CL A 02079K305   1,254,639 5,161 SH   SOLE 0 0 0 5,161
AMAZON COM INC COM 023135106   783,645 3,569 SH   SOLE 0 0 0 3,569
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,085,084 9,982 SH   SOLE 0 0 0 9,982
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,912,736 36,917 SH   SOLE 0 0 0 36,917
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,612,748 40,579 SH   SOLE 0 0 0 40,579
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,046,496 27,247 SH   SOLE 0 0 0 27,247
APPLE INC COM 037833100   2,404,980 9,445 SH   SOLE 0 0 0 9,445
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,340,808 2,667 SH   SOLE 0 0 0 2,667
BROADCOM INC COM 11135F101   445,708 1,351 SH   SOLE 0 0 0 1,351
CHEVRON CORP NEW COM 166764100   338,532 2,180 SH   SOLE 0 0 0 2,180
COSTCO WHSL CORP NEW COM 22160K105   216,597 234 SH   SOLE 0 0 0 234
DBX ETF TR XTRACKERS CALIF 23306X852   351,331 14,104 SH   SOLE 0 0 0 14,104
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633   916,880 18,402 SH   SOLE 0 0 0 18,402
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   8,331,531 115,812 SH   SOLE 0 0 0 115,812
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,747,165 149,006 SH   SOLE 0 0 0 149,006
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,331,679 19,452 SH   SOLE 0 0 0 19,452
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   6,953,136 212,051 SH   SOLE 0 0 0 212,051
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,972,386 62,358 SH   SOLE 0 0 0 62,358
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   7,931,252 247,311 SH   SOLE 0 0 0 247,311
ELI LILLY & CO COM 532457108   428,806 562 SH   SOLE 0 0 0 562
EXXON MOBIL CORP COM 30231G102   390,792 3,466 SH   SOLE 0 0 0 3,466
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   2,982,858 107,258 SH   SOLE 0 0 0 107,258
GOLD ROYALTY CORP COMMON SHARES 38071H106   57,097 14,792 SH   SOLE 0 0 0 14,792
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   1,965,798 90,174 SH   SOLE 0 0 0 90,174
HALEON PLC SPON ADS 405552100   131,895 14,704 SH   SOLE 0 0 0 14,704
HOME DEPOT INC COM 437076102   213,535 527 SH   SOLE 0 0 0 527
HSBC HLDGS PLC SPON ADR NEW 404280406   231,040 3,255 SH   SOLE 0 0 0 3,255
ISHARES TR CRE U S REIT ETF 464288521   1,477,654 25,164 SH   SOLE 0 0 0 25,164
ISHARES TR CORE INTL AGGR 46435G672   759,075 14,817 SH   SOLE 0 0 0 14,817
JOHNSON & JOHNSON COM 478160104   441,485 2,381 SH   SOLE 0 0 0 2,381
JPMORGAN CHASE & CO. COM 46625H100   815,387 2,585 SH   SOLE 0 0 0 2,585
MASTERCARD INCORPORATED CL A 57636Q104   278,717 490 SH   SOLE 0 0 0 490
MERCK & CO INC COM 58933Y105   230,136 2,742 SH   SOLE 0 0 0 2,742
META PLATFORMS INC CL A 30303M102   1,151,508 1,568 SH   SOLE 0 0 0 1,568
MICROSOFT CORP COM 594918104   2,342,688 4,523 SH   SOLE 0 0 0 4,523
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   98,932 14,766 SH   SOLE 0 0 0 14,766
NOVARTIS AG SPONSORED ADR 66987V109   273,664 2,134 SH   SOLE 0 0 0 2,134
NVIDIA CORPORATION COM 67066G104   2,727,800 14,620 SH   SOLE 0 0 0 14,620
ORACLE CORP COM 68389X105   323,988 1,152 SH   SOLE 0 0 0 1,152
PROCTER AND GAMBLE CO COM 742718109   253,983 1,653 SH   SOLE 0 0 0 1,653
SCHWAB STRATEGIC TR US REIT ETF 808524847   580,185 26,898 SH   SOLE 0 0 0 26,898
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   731,281 17,090 SH   SOLE 0 0 0 17,090
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,136,503 1,706 SH   SOLE 0 0 0 1,706
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   1,622,179 62,754 SH   SOLE 0 0 0 62,754
TELEFONICA S A SPONSORED ADR 879382208   65,623 12,918 SH   SOLE 0 0 0 12,918
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,902,409 106,258 SH   SOLE 0 0 0 106,258
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,059,977 122,523 SH   SOLE 0 0 0 122,523
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,408,334 7,199 SH   SOLE 0 0 0 7,199
VANGUARD INDEX FDS LARGE CAP ETF 922908637   341,533 1,109 SH   SOLE 0 0 0 1,109
VANGUARD INDEX FDS MID CAP ETF 922908629   229,610 782 SH   SOLE 0 0 0 782
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,590,246 17,395 SH   SOLE 0 0 0 17,395
VANGUARD INDEX FDS SMALL CP ETF 922908751   235,718 927 SH   SOLE 0 0 0 927
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,687,947 17,332 SH   SOLE 0 0 0 17,332
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   354,203 1,692 SH   SOLE 0 0 0 1,692
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   694,621 13,873 SH   SOLE 0 0 0 13,873
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   813,179 3,768 SH   SOLE 0 0 0 3,768
VANGUARD WORLD FD MEGA CAP INDEX 921910873   863,788 3,539 SH   SOLE 0 0 0 3,539
VISA INC COM CL A 92826C839   302,463 886 SH   SOLE 0 0 0 886
WALMART INC COM 931142103   228,587 2,218 SH   SOLE 0 0 0 2,218