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
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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
AMAZON COM INC COM Stock 023135106   1,278,571 9,808 SH   SOLE 0 0 0 9,808
INVESCO QQQ TRUST SERIES I ETF 46090E103   359,985 974 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109   315,826 3,188 SH   SOLE 0 0 0 3,188
JOHNSON & JOHNSON COM Stock 478160104   1,445,273 8,732 SH   SOLE 0 0 0 8,731
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,029,368 4,673 SH   SOLE 0 0 0 4,673
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   207,170 3,278 SH   SOLE 0 0 0 3,278
COSTCO WHSL CORP NEW COM Stock 22160K105   293,137 544 SH   SOLE 0 0 0 544
YUM BRANDS INC COM Stock 988498101   322,129 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   279,237 1,840 SH   SOLE 0 0 0 1,840
VANGUARD REAL ESTATE ETF ETF 922908553   1,469,802 17,590 SH   SOLE 0 0 0 17,589
INTEL CORP COM Stock 458140100   470,736 14,077 SH   SOLE 0 0 0 14,077
NETFLIX INC COM Stock 64110L106   372,655 846 SH   SOLE 0 0 0 846
MERCK & CO INC COM Stock 58933Y105   340,285 2,949 SH   SOLE 0 0 0 2,949
SPDR S&P 500 ETF TRUST ETF 78462F103   571,388 1,289 SH   SOLE 0 0 0 1,289
YUM CHINA HLDGS INC COM Stock 98850P109   253,855 4,493 SH   SOLE 0 0 0 4,493
NUVEEN CALIFORNIA AMT QLT MUN COM CEF 670651108   165,645 14,354 SH   SOLE 0 0 0 14,354
ISHARES TIPS BOND ETF ETF 464287176   285,553 2,653 SH   SOLE 0 0 0 2,653
ISHARES COHEN & STEERS REIT ETF ETF 464287564   318,361 5,729 SH   SOLE 0 0 0 5,729
FEDEX CORP COM Stock 31428X106   229,060 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   757,906 2,440 SH   SOLE 0 0 0 2,439
SPDR GOLD SHARES ETF 78463V107   974,246 5,465 SH   SOLE 0 0 0 5,465
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   1,024,710 23,395 SH   SOLE 0 0 0 23,395
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,333,808 25,799 SH   SOLE 0 0 0 25,799
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   9,733,422 273,027 SH   SOLE 0 0 0 273,027
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   6,287,003 120,050 SH   SOLE 0 0 0 120,049
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   878,276 11,841 SH   SOLE 0 0 0 11,841
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   7,467,250 148,928 SH   SOLE 0 0 0 148,928
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   760,435 25,830 SH   SOLE 0 0 0 25,830
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   665,667 6,680 SH   SOLE 0 0 0 6,680
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,270,037 6,657 SH   SOLE 0 0 0 6,657
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   477,579 19,390 SH   SOLE 0 0 0 19,390
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   358,919 734 SH   SOLE 0 0 0 734
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   6,237,207 82,437 SH   SOLE 0 0 0 82,437
ALPHABET INC CAP STK CL A Stock 02079K305   2,056,326 17,179 SH   SOLE 0 0 0 17,179
INTUIT COM Stock 461202103   257,503 562 SH   SOLE 0 0 0 562
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   274,137 8,118 SH   SOLE 0 0 0 8,117
MICROSOFT CORP COM Stock 594918104   4,968,917 14,591 SH   SOLE 0 0 0 14,591
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,218,651 31,994 SH   SOLE 0 0 0 31,994
BOEING CO COM Stock 097023105   353,507 1,674 SH   SOLE 0 0 0 1,674
VANGUARD SMALL-CAP ETF ETF 922908751   2,902,228 14,592 SH   SOLE 0 0 0 14,592
VANGUARD MID-CAP ETF ETF 922908629   3,377,685 15,342 SH   SOLE 0 0 0 15,341
VANGUARD LARGE-CAP ETF ETF 922908637   4,068,973 20,072 SH   SOLE 0 0 0 20,071
TESLA INC COM Stock 88160R101   7,644,993 29,205 SH   SOLE 0 0 0 29,205
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   1,099,763 21,713 SH   SOLE 0 0 0 21,713
VANGUARD HEALTH CARE ETF ETF 92204A504   859,397 3,510 SH   SOLE 0 0 0 3,510
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,132,882 16,886 SH   SOLE 0 0 0 16,886
SCHWAB US TIPS ETF ETF 808524870   612,749 11,687 SH   SOLE 0 0 0 11,687
VANGUARD S&P 500 ETF ETF 922908363   6,654,868 16,340 SH   SOLE 0 0 0 16,339
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,589,000 64,419 SH   SOLE 0 0 0 64,419
SCHWAB U.S. REIT ETF ETF 808524847   1,034,563 52,973 SH   SOLE 0 0 0 52,973
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   979,981 12,627 SH   SOLE 0 0 0 12,627
SCHWAB U.S. MID-CAP ETF ETF 808524508   6,854,892 96,507 SH   SOLE 0 0 0 96,507
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,215,092 21,110 SH   SOLE 0 0 0 21,110
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,711,543 66,183 SH   SOLE 0 0 0 66,183
ISHARES RUSSELL 2000 ETF ETF 464287655   962,942 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   454,305 7,233 SH   SOLE 0 0 0 7,233
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,620,620 9,798 SH   SOLE 0 0 0 9,798
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460   202,500 12,500 SH   SOLE 0 0 0 12,500
REGENERON PHARMACEUTICALS COM Stock 75886F107   275,919 384 SH   SOLE 0 0 0 384
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104   283,651 9,153 SH   SOLE 0 0 0 9,153
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   439,633 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   79,352 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,497,241 63,821 SH   SOLE 0 0 0 63,821
SCHWAB US AGGREGATE BOND ETF ETF 808524839   955,351 20,697 SH   SOLE 0 0 0 20,696
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   394,858 15,788 SH   SOLE 0 0 0 15,788
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   2,125,463 29,268 SH   SOLE 0 0 0 29,268
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   206,056 9,381 SH   SOLE 0 0 0 9,381
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274   282,128 6,160 SH   SOLE 0 0 0 6,160
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   1,068,443 21,734 SH   SOLE 0 0 0 21,734
VISA INC COM CL A Stock 92826C839   557,971 2,350 SH   SOLE 0 0 0 2,349
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   579,380 21,340 SH   SOLE 0 0 0 21,339
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   6,561,615 141,445 SH   SOLE 0 0 0 141,444
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   503,465 10,454 SH   SOLE 0 0 0 10,454
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,159,398 92,638 SH   SOLE 0 0 0 92,638
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   302,601 5,672 SH   SOLE 0 0 0 5,672
INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429   403,156 25,252 SH   SOLE 0 0 0 25,252
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   416,641 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   979,520 6,893 SH   SOLE 0 0 0 6,893
VANGUARD GROWTH ETF ETF 922908736   3,196,669 11,297 SH   SOLE 0 0 0 11,297
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   282,617 11,442 SH   SOLE 0 0 0 11,442
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   3,445,983 74,347 SH   SOLE 0 0 0 74,347
META PLATFORMS INC CL A Stock 30303M102   1,568,920 5,467 SH   SOLE 0 0 0 5,467
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,172,737 147,432 SH   SOLE 0 0 0 147,432
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   1,173,565 45,664 SH   SOLE 0 0 0 45,664
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,613,521 68,225 SH   SOLE 0 0 0 68,225
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   557,288 22,962 SH   SOLE 0 0 0 22,962
JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104   291,934 6,322 SH   SOLE 0 0 0 6,321
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   4,636,527 134,392 SH   SOLE 0 0 0 134,392
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   390,005 15,841 SH   SOLE 0 0 0 15,841
WP CAREY INC COM REIT 92936U109   2,384,616 35,296 SH   SOLE 0 0 0 35,296
BROADCOM INC COM Stock 11135F101   845,997 975 SH   SOLE 0 0 0 975
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   7,631,443 160,933 SH   SOLE 0 0 0 160,933
ISHARES CORE MSCI EAFE ETF ETF 46432F842   452,041 6,697 SH   SOLE 0 0 0 6,696
DIMENSIONAL US LARGE CAP VALUE ETF ETF 25434V666   294,665 11,601 SH   SOLE 0 0 0 11,601
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   477,224 7,686 SH   SOLE 0 0 0 7,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   354,867 1,150 SH   SOLE 0 0 0 1,150
NVIDIA CORPORATION COM Stock 67066G104   1,027,516 2,429 SH   SOLE 0 0 0 2,429
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   2,686,516 53,548 SH   SOLE 0 0 0 53,548
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   282,631 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,516,037 27,863 SH   SOLE 0 0 0 27,863
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   230,501 2,284 SH   SOLE 0 0 0 2,284
BLACKSTONE INC COM Stock 09260D107   417,156 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   330,285 14,261 SH   SOLE 0 0 0 14,261
QUALCOMM INC COM Stock 747525103   1,323,097 11,115 SH   SOLE 0 0 0 11,114
ADVANCED MICRO DEVICES INC COM Stock 007903107   255,500 2,243 SH   SOLE 0 0 0 2,243
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   259,329 3,195 SH   SOLE 0 0 0 3,194
ISHARES S&P 500 VALUE ETF ETF 464287408   434,085 2,693 SH   SOLE 0 0 0 2,693
LULULEMON ATHLETICA INC COM Stock 550021109   757,757 2,002 SH   SOLE 0 0 0 2,002
ISHARES S&P 500 GROWTH ETF ETF 464287309   360,999 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   25,304,739 56,774 SH   SOLE 0 0 0 56,773
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   3,526,187 146,619 SH   SOLE 0 0 0 146,619
SALESFORCE INC COM Stock 79466L302   209,992 994 SH   SOLE 0 0 0 994
LOCKHEED MARTIN CORP COM Stock 539830109   877,549 1,906 SH   SOLE 0 0 0 1,906
JPMORGAN CHASE & CO COM Stock 46625H100   3,583,808 24,641 SH   SOLE 0 0 0 24,641
CHEVRON CORP NEW COM Stock 166764100   1,355,054 8,612 SH   SOLE 0 0 0 8,611
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,213,048 91,231 SH   SOLE 0 0 0 91,231
BANK AMERICA CORP COM Stock 060505104   707,180 24,649 SH   SOLE 0 0 0 24,648
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   545,410 10,019 SH   SOLE 0 0 0 10,018
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   237,900 1,778 SH   SOLE 0 0 0 1,777
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   938,145 23,062 SH   SOLE 0 0 0 23,061
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   615,347 5,801 SH   SOLE 0 0 0 5,801
PFIZER INC COM Stock 717081103   724,070 19,740 SH   SOLE 0 0 0 19,740
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   622,527 5,757 SH   SOLE 0 0 0 5,756
CATERPILLAR INC COM Stock 149123101   436,461 1,774 SH   SOLE 0 0 0 1,773
ALPHABET INC CAP STK CL C Stock 02079K107   470,573 3,890 SH   SOLE 0 0 0 3,890
AMGEN INC COM Stock 031162100   776,275 3,496 SH   SOLE 0 0 0 3,496
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   964,218 5,936 SH   SOLE 0 0 0 5,936
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   510,711 5,214 SH   SOLE 0 0 0 5,214
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   297,419 6,541 SH   SOLE 0 0 0 6,541
VANGUARD SHORT-TERM BOND ETF ETF 921937827   996,942 13,192 SH   SOLE 0 0 0 13,192
LAM RESEARCH CORP COM Stock 512807108   1,690,248 2,629 SH   SOLE 0 0 0 2,629
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   309,070 4,833 SH   SOLE 0 0 0 4,833
EXXON MOBIL CORP COM Stock 30231G102   479,538 4,471 SH   SOLE 0 0 0 4,471
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   8,753,618 269,011 SH   SOLE 0 0 0 269,011
BLACKROCK INC COM Stock 09247X101   303,024 438 SH   SOLE 0 0 0 438
ISHARES CORE S&P MID-CAP ETF ETF 464287507   298,778 1,143 SH   SOLE 0 0 0 1,142
ISHARES MSCI EAFE ETF ETF 464287465   366,488 5,055 SH   SOLE 0 0 0 5,055
APPLE INC COM Stock 037833100   19,839,416 102,281 SH   SOLE 0 0 0 102,280
DISNEY WALT CO COM Stock 254687106   362,437 4,060 SH   SOLE 0 0 0 4,059