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
ADOBE INC COM 00724F101   1,113,852 1,867 SH   SOLE   283 0 1,584
AIR PRODS & CHEMS INC COM 009158106   935,115 3,415 SH   SOLE   419 0 2,996
ALPHABET INC CAP STK CL A 02079K305   2,056,376 14,721 SH   SOLE   2,728 0 11,993
AMAZON COM INC COM 023135106   2,106,344 13,863 SH   SOLE   2,468 0 11,395
APPLE INC COM 037833100   1,459,762 7,582 SH   SOLE   0 0 7,582
AUTODESK INC COM 052769106   372,037 1,528 SH   SOLE   257 0 1,271
AUTOZONE INC COM 053332102   212,020 82 SH   SOLE   0 0 82
BARINGS BDC INC COM 06759L103   240,707 28,054 SH   SOLE   0 0 28,054
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE   0 0 1
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   752,616 14,379 SH   SOLE   0 0 14,379
BOOKING HOLDINGS INC COM 09857L108   1,674,288 472 SH   SOLE   104 0 368
CARMAX INC COM 143130102   851,507 11,096 SH   SOLE   2,144 0 8,952
CENCORA INC COM 03073E105   816,073 3,973 SH   SOLE   772 0 3,201
CHECK POINT SOFTWARE TECH LT ORD M22465104   852,415 5,579 SH   SOLE   859 0 4,720
CVS HEALTH CORP COM 126650100   730,327 9,249 SH   SOLE   3,205 0 6,044
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   734,370 29,422 SH   SOLE   293 0 29,129
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   360,381 7,429 SH   SOLE   0 0 7,429
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   208,797 8,550 SH   SOLE   0 0 8,550
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   753,617 16,031 SH   SOLE   0 0 16,031
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,894,227 133,227 SH   SOLE   278 0 132,949
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   215,314 8,288 SH   SOLE   370 0 7,918
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   3,451,397 64,541 SH   SOLE   2,923 0 61,618
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,485,738 35,041 SH   SOLE   0 0 35,041
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   2,068,053 81,005 SH   SOLE   0 0 81,005
DISNEY WALT CO COM 254687106   653,790 7,241 SH   SOLE   1,728 0 5,513
ECOLAB INC COM 278865100   450,693 2,272 SH   SOLE   324 0 1,948
ELEVANCE HEALTH INC COM 036752103   1,184,231 2,511 SH   SOLE   521 0 1,990
EXXON MOBIL CORP COM 30231G102   287,191 2,872 SH   SOLE   0 0 2,872
FIDELITY NATL INFORMATION SV COM 31620M106   867,438 14,440 SH   SOLE   2,559 0 11,881
FISERV INC COM 337738108   497,751 3,747 SH   SOLE   707 0 3,040
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   230,670 17,074 SH   SOLE   0 0 17,074
INVESCO QQQ TR UNIT SER 1 46090E103   1,796,564 4,387 SH   SOLE   102 0 4,285
IQVIA HLDGS INC COM 46266C105   1,859,601 8,037 SH   SOLE   1,568 0 6,469
ISHARES INC MSCI EMRG CHN 46434G764   700,356 12,640 SH   SOLE   1,655 0 10,985
ISHARES INC CORE MSCI EMKT 46434G103   1,047,967 20,719 SH   SOLE   4,437 0 16,282
ISHARES TR GLOBAL ENERG ETF 464287341   277,046 7,084 SH   SOLE   1,074 0 6,010
ISHARES TR ESG AWR US AGRGT 46435U549   215,880 4,522 SH   SOLE   0 0 4,522
ISHARES TR CORE TOTAL USD 46434V613   6,072,614 131,813 SH   SOLE   5,103 0 126,710
ISHARES TR US TREAS BD ETF 46429B267   905,642 39,307 SH   SOLE   1,482 0 37,825
ISHARES TR U.S. TECH ETF 464287721   1,225,820 9,986 SH   SOLE   1,664 0 8,322
ISHARES TR JPMORGAN USD EMG 464288281   294,910 3,311 SH   SOLE   127 0 3,184
ISHARES TR MSCI KLD400 SOC 464288570   510,834 5,610 SH   SOLE   0 0 5,610
ISHARES TR HIGH YLD BD FCTR 46435G250   244,843 5,300 SH   SOLE   243 0 5,057
ISHARES TR MSCI USA QLT FCT 46432F339   3,136,908 21,319 SH   SOLE   4,284 0 17,035
ISHARES TR ESG MSCI USA ETF 46436E767   434,554 10,913 SH   SOLE   0 0 10,913
ISHARES TR NATIONAL MUN ETF 464288414   579,380 5,344 SH   SOLE   0 0 5,344
ISHARES TR TIPS BD ETF 464287176   558,257 5,194 SH   SOLE   210 0 4,984
ISHARES TR MSCI USA MIN VOL 46429B697   614,388 7,874 SH   SOLE   1,411 0 6,463
ISHARES TR ESG AWR MSCI USA 46435G425   2,805,610 26,740 SH   SOLE   4,576 0 22,164
ISHARES TR IBOXX INV CP ETF 464287242   1,045,658 9,449 SH   SOLE   370 0 9,079
ISHARES TR S&P 100 ETF 464287101   1,004,896 4,498 SH   SOLE   694 0 3,804
ISHARES TR ESG EAFE ETF 46436E759   252,709 3,956 SH   SOLE   0 0 3,956
ISHARES TR TRS FLT RT BD 46434V860   1,828,106 36,222 SH   SOLE   1,131 0 35,091
ISHARES TR S&P 500 GRWT ETF 464287309   933,420 12,429 SH   SOLE   1,899 0 10,530
ISHARES TR 20 YR TR BD ETF 464287432   1,202,280 12,159 SH   SOLE   462 0 11,697
ISHARES TR EAFE VALUE ETF 464288877   2,821,634 54,158 SH   SOLE   9,949 0 44,209
ISHARES TR MBS ETF 464288588   2,249,506 23,911 SH   SOLE   922 0 22,989
ISHARES TR CORE S&P500 ETF 464287200   12,538,543 26,252 SH   SOLE   4,784 0 21,468
ISHARES TR US INFRASTRUC 46435U713   415,898 10,328 SH   SOLE   2,069 0 8,259
ISHARES TR EAFE GRWTH ETF 464288885   1,727,658 17,838 SH   SOLE   3,049 0 14,789
JPMORGAN CHASE & CO COM 46625H100   273,521 1,608 SH   SOLE   0 0 1,608
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   67,465 28,228 SH   SOLE   0 0 28,228
MASTERCARD INCORPORATED CL A 57636Q104   1,536,614 3,603 SH   SOLE   817 0 2,786
META PLATFORMS INC CL A 30303M102   1,513,887 4,277 SH   SOLE   820 0 3,457
MICROSOFT CORP COM 594918104   2,438,790 6,485 SH   SOLE   1,027 0 5,458
NVIDIA CORPORATION COM 67066G104   213,440 431 SH   SOLE   0 0 431
QUALCOMM INC COM 747525103   829,980 5,739 SH   SOLE   1,229 0 4,510
SALESFORCE INC COM 79466L302   472,336 1,795 SH   SOLE   330 0 1,465
SCHWAB CHARLES CORP COM 808513105   1,363,322 19,816 SH   SOLE   3,912 0 15,904
SPDR GOLD TR GOLD SHS 78463V107   264,388 1,383 SH   SOLE   1,383 0 0
STARBUCKS CORP COM 855244109   483,026 5,031 SH   SOLE   602 0 4,429
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,181,192 11,358 SH   SOLE   1,670 0 9,688
TESLA INC COM 88160R101   328,242 1,321 SH   SOLE   24 0 1,297
UNITEDHEALTH GROUP INC COM 91324P102   739,619 1,405 SH   SOLE   313 0 1,092
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,058,782 4,713 SH   SOLE   0 0 4,713
VANGUARD INDEX FDS SMALL CP ETF 922908751   249,809 1,171 SH   SOLE   0 0 1,171
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,112,046 4,688 SH   SOLE   0 0 4,688
VEEVA SYS INC CL A COM 922475108   484,188 2,515 SH   SOLE   439 0 2,076
VISA INC COM CL A 92826C839   1,230,589 4,727 SH   SOLE   870 0 3,857