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
Estimated average burden
hours per response: 23.8
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   1,044,981 8,730 SH   SOLE   0 0 8,730
ALPHABET INC CAP STK CL C 02079K107   1,077,964 8,911 SH   SOLE   0 0 8,911
AMAZON COM INC COM 023135106   338,936 2,600 SH   SOLE   0 0 2,600
APPLE INC COM 037833100   7,128,938 36,753 SH   SOLE   0 0 36,753
ATERIAN INC COM 02156U101   4,600 10,000 SH   SOLE   0 0 10,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   224,378 658 SH   SOLE   0 0 658
BOOKING HOLDINGS INC COM 09857L108   758,793 281 SH   SOLE   0 0 281
CHEVRON CORP NEW COM 166764100   233,665 1,485 SH   SOLE   0 0 1,485
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,588,526 205,839 SH   SOLE   0 0 205,839
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,418,987 146,675 SH   SOLE   0 0 146,675
GILEAD SCIENCES INC COM 375558103   10,214,548 132,536 SH   SOLE   0 0 132,536
GOLDMAN SACHS GROUP INC COM 38141G104   214,167 664 SH   SOLE   0 0 664
ISHARES TR RUS 1000 GRW ETF 464287614   3,359,949 12,210 SH   SOLE   0 0 12,210
ISHARES TR RUS 1000 ETF 464287622   1,073,274 4,403 SH   SOLE   0 0 4,403
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   32,731,968 652,811 SH   SOLE   0 0 652,811
JOHNSON & JOHNSON COM 478160104   2,422,149 14,634 SH   SOLE   0 0 14,634
LILLY ELI & CO COM 532457108   371,317 792 SH   SOLE   0 0 792
MASTERCARD INCORPORATED CL A 57636Q104   1,428,802 3,633 SH   SOLE   0 0 3,633
META PLATFORMS INC CL A 30303M102   486,431 1,695 SH   SOLE   0 0 1,695
MICROSOFT CORP COM 594918104   567,563 1,667 SH   SOLE   0 0 1,667
NVIDIA CORPORATION COM 67066G104   235,199 556 SH   SOLE   0 0 556
SCHWAB CHARLES CORP COM 808513105   957,098 16,886 SH   SOLE   0 0 16,886
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   22,479,618 309,551 SH   SOLE   0 0 309,551
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,248,541 70,027 SH   SOLE   0 0 70,027
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,538,386 63,894 SH   SOLE   0 0 63,894
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   5,956,822 248,823 SH   SOLE   0 0 248,823
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,449,063 47,371 SH   SOLE   0 0 47,371
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701   235,849 4,842 SH   SOLE   0 0 4,842
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   203,934 7,987 SH   SOLE   0 0 7,987
TESLA INC COM 88160R101   1,935,789 7,395 SH   SOLE   0 0 7,395
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   821,245 10,867 SH   SOLE   0 0 10,867
VANGUARD INDEX FDS SMALL CP ETF 922908751   351,609 1,768 SH   SOLE   0 0 1,768
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   22,395,497 137,878 SH   SOLE   0 0 137,878
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,133,744 91,543 SH   SOLE   0 0 91,543
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   217,400 888 SH   SOLE   0 0 888
VISA INC COM CL A 92826C839   553,305 2,330 SH   SOLE   0 0 2,330
WELLS FARGO CO NEW COM 949746101   445,517 10,439 SH   SOLE   0 0 10,439