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
AMAZON.COM INC EQUITY 023135106   43,291 240 SH   SOLE 0 0 0
AMERICAN CENTURY ETF TRUST AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   3,071,807 46,641 SH   SOLE   0 0 0
AMERICAN CENTURY ETF TRUST AVANTIS U S SMALL CAP VALUE ETF ETF 025072877   9,593,088 102,370 SH   SOLE   0 0 0
AMERICAN CENTURY ETF TRUST AVANTIS U S EQUITY ETF ETF 025072885   19,817,409 221,424 SH   SOLE   0 0 0
APPLE INC EQUITY 037833100   56,224 328 SH   SOLE   0 0 0
CARNIVAL CORP COMMON PAIRED STOCK EQUITY 143658300   20,164 1,234 SH   SOLE   0 0 0
DECKERS OUTDOOR CORPORATION EQUITY 243537107   129,894 138 SH   SOLE   0 0 0
FIRST SOLAR INC EQUITY 336433107   8,609 51 SH   SOLE   0 0 0
HARBOR INTERNATIONAL FUND INSTITUTIONAL MUTUAL 411511306   49,099 1,048 SH   SOLE   0 0 0
INTUIT INC EQUITY 461202103   652,928 1,005 SH   SOLE   0 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   31,064,671 59,089 SH   SOLE   0 0 0
ISHARES TRUST ISHARES SHORT TREASURY BOND ETF ETF 464288679   17,435,731 157,732 SH   SOLE   0 0 0
MICROSOFT CORP EQUITY 594918104   439,021 1,043 SH   SOLE   0 0 0
TAIWAN SEMICONDUCTOR MFG CO LTD-SPONSORED ADR REPSTG 5 COM EQUITY 874039100   16,734 123 SH   SOLE   0 0 0
TAL EDUCATION GROUP AMERICAN DEPOSITARY SHRS ECH RPRSNTNG TWO CLSS A CMMN SHRS EQUITY 874080104   11,350 1,000 SH   SOLE   0 0 0
VANGUARD SHORT TERM BOND ETF ETF 921937827   4,024,454 52,491 SH   SOLE   0 0 0
VANGUARD CASH RESERVES FEDERAL MONEY MARKET FD ADMRL MUTUAL 922906508   0 0 SH   SOLE   0 0 0
VANGUARD S&P 500 ETF ETF 922908363   32,941 69 SH   SOLE   0 0 0
VANGUARD INDEX FUNDS VANGUARD MID-CAP ETF ETF 922908629   5,205,067 20,832 SH   SOLE   0 0 0
VANGUARD INDEX TR VANGUARD TOTAL STK MKT ADMIRAL ADMIRAL SHS MUTUAL 922908728   88,644 700 SH   SOLE   0 0 0
VANGUARD INDEX FUNDS VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   170,235 655 SH   SOLE   0 0 0
WALMART INC COMMON STOCK EQUITY 931142103   9,964 166 SH   SOLE   0 0 0
ALPHA ARCHITECT ETF TR FREEDOM 100 EMERGING MARKETS ETF ETF 02072L607   5,149,720 152,675 SH   SOLE   0 0 0
ALPHABET INC CLASS C CAPITAL STOCK EQUITY 02079K107   15,226 100 SH   SOLE   0 0 0
ALPHABET INC CLASS A COMMON STOCK EQUITY 02079K305   31,846 211 SH   SOLE   0 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL U S EQUITY ETF ETF 25434V401   253,472 4,448 SH   SOLE   0 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL U S TARGETED VALUE ETF ETF 25434V609   81,383 1,495 SH   SOLE   0 0 0
DIMENSIONAL ETF TRUST DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   258,555 6,322 SH   SOLE   0 0 0
EXPERIAN PLC SPONSORED ADR EQUITY 30215C101   26,342 605 SH   SOLE   0 0 0
META PLATFORMS INC CLASS A COMMON STOCK EQUITY 30303M102   35,482 73 SH   SOLE   0 0 0
ISHARES TRUST ISHARES U S TREASURY BOND ETF ETF 46429B267   8,424,560 369,985 SH   SOLE   0 0 0
ISHARES TR CORE MSCI EAFE ETF ETF 46432F842   17,388,169 234,279 SH   SOLE   0 0 0
NETFLIX INC COM EQUITY 64110L106   27,937 46 SH   SOLE   0 0 0
NVIDIA CORP EQUITY 67066G104   75,907 84 SH   SOLE   0 0 0
PROSHARES TRUST PROSHARES BITCOIN STRATEGY ETF ETF 74347G440   997,808 30,892 SH   SOLE   0 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   201,976 386 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   13,356,439 528,340 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   10,912,093 177,346 SH   SOLE   0 0 0
TESLA INC COMMON STOCK EQUITY 88160R101   58,890 335 SH   SOLE   0 0 0