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
ALPHABET INC CAP STK CL A 02079K305   914,899 8,820 SH   SOLE   0 0 8,820
ALPHABET INC CAP STK CL C 02079K107   936,000 9,000 SH   SOLE   0 0 9,000
AMAZON COM INC COM 023135106   268,554 2,600 SH   SOLE   0 0 2,600
APPLE INC COM 037833100   6,129,235 37,169 SH   SOLE   0 0 37,169
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   203,171 658 SH   SOLE   0 0 658
BOOKING HOLDINGS INC COM 09857L108   745,327 281 SH   SOLE   0 0 281
CHEVRON CORP NEW COM 166764100   257,956 1,581 SH   SOLE   0 0 1,581
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,438,929 213,459 SH   SOLE   0 0 213,459
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,330,312 144,419 SH   SOLE   0 0 144,419
GILEAD SCIENCES INC COM 375558103   11,017,426 132,788 SH   SOLE   0 0 132,788
GOLDMAN SACHS GROUP INC COM 38141G104   217,201 664 SH   SOLE   0 0 664
ISHARES TR RUS 1000 GRW ETF 464287614   3,089,429 12,644 SH   SOLE   0 0 12,644
ISHARES TR RUS 1000 ETF 464287622   999,350 4,437 SH   SOLE   0 0 4,437
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   32,624,529 648,341 SH   SOLE   0 0 648,341
JOHNSON & JOHNSON COM 478160104   2,252,185 14,530 SH   SOLE   0 0 14,530
LILLY ELI & CO COM 532457108   271,901 792 SH   SOLE   0 0 792
MASTERCARD INCORPORATED CL A 57636Q104   1,320,205 3,633 SH   SOLE   0 0 3,633
META PLATFORMS INC CL A 30303M102   417,734 1,971 SH   SOLE   0 0 1,971
MICROSOFT CORP COM 594918104   497,976 1,727 SH   SOLE   0 0 1,727
SCHWAB CHARLES CORP COM 808513105   884,489 16,886 SH   SOLE   0 0 16,886
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   25,639,742 350,461 SH   SOLE   0 0 350,461
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,269,918 80,864 SH   SOLE   0 0 80,864
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,593,840 67,706 SH   SOLE   0 0 67,706
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   5,813,468 246,021 SH   SOLE   0 0 246,021
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,022,929 63,175 SH   SOLE   0 0 63,175
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701   365,922 7,525 SH   SOLE   0 0 7,525
TESLA INC COM 88160R101   1,534,167 7,395 SH   SOLE   0 0 7,395
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   828,820 10,836 SH   SOLE   0 0 10,836
VANGUARD INDEX FDS SMALL CP ETF 922908751   376,103 1,984 SH   SOLE   0 0 1,984
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   21,854,558 141,903 SH   SOLE   0 0 141,903
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,975,942 90,128 SH   SOLE   0 0 90,128
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   211,752 888 SH   SOLE   0 0 888
VISA INC COM CL A 92826C839   525,284 2,330 SH   SOLE   0 0 2,330
WELLS FARGO CO NEW COM 949746101   394,928 10,565 SH   SOLE   0 0 10,565