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   1,790,427 13,682 SH   SOLE   0 0 13,682
ALPHABET INC CAP STK CL C 02079K107   514,611 3,903 SH   SOLE   0 0 3,903
AMAZON COM INC COM 023135106   330,512 2,600 SH   SOLE   0 0 2,600
APPLE INC COM 037833100   5,547,801 32,403 SH   SOLE   0 0 32,403
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   230,497 658 SH   SOLE   0 0 658
BOOKING HOLDINGS INC COM 09857L108   434,837 141 SH   SOLE   0 0 141
CHEVRON CORP NEW COM 166764100   235,056 1,394 SH   SOLE   0 0 1,394
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   5,349,779 204,190 SH   SOLE   0 0 204,190
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   3,168,752 140,708 SH   SOLE   0 0 140,708
ELI LILLY & CO COM 532457108   425,278 792 SH   SOLE   0 0 792
GILEAD SCIENCES INC COM 375558103   9,859,926 131,571 SH   SOLE   0 0 131,571
ISHARES TR RUS 1000 GRW ETF 464287614   3,055,251 11,486 SH   SOLE   0 0 11,486
ISHARES TR RUS 1000 ETF 464287622   1,034,393 4,403 SH   SOLE   0 0 4,403
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   31,416,687 626,080 SH   SOLE   0 0 626,080
JOHNSON & JOHNSON COM 478160104   2,242,628 14,399 SH   SOLE   0 0 14,399
MASTERCARD INCORPORATED CL A 57636Q104   1,047,927 2,647 SH   SOLE   0 0 2,647
META PLATFORMS INC CL A 30303M102   389,673 1,298 SH   SOLE   0 0 1,298
MICROSOFT CORP COM 594918104   526,363 1,667 SH   SOLE   0 0 1,667
NETFLIX INC COM 64110L106   351,168 930 SH   SOLE   0 0 930
NVIDIA CORPORATION COM 67066G104   241,854 556 SH   SOLE   0 0 556
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   21,478,738 303,544 SH   SOLE   0 0 303,544
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,895,360 67,318 SH   SOLE   0 0 67,318
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,108,532 60,705 SH   SOLE   0 0 60,705
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   5,333,467 231,890 SH   SOLE   0 0 231,890
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,313,555 46,410 SH   SOLE   0 0 46,410
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   347,290 13,998 SH   SOLE   0 0 13,998
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701   239,271 4,895 SH   SOLE   0 0 4,895
TD HLDGS INC COM NEW 87250W202   1,439 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   1,850,377 7,395 SH   SOLE   0 0 7,395
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   526,665 7,006 SH   SOLE   0 0 7,006
VANGUARD INDEX FDS SMALL CP ETF 922908751   335,228 1,773 SH   SOLE   0 0 1,773
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   20,741,161 133,487 SH   SOLE   0 0 133,487
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,627,713 86,467 SH   SOLE   0 0 86,467
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   208,769 888 SH   SOLE   0 0 888
VISA INC COM CL A 92826C839   655,061 2,848 SH   SOLE   0 0 2,848
WELLS FARGO CO NEW COM 949746101   426,677 10,442 SH   SOLE   0 0 10,442