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
ADVANCED MICRO DEVICES INC COM 007903107   630,212 5,533 SH   SOLE   0 0 5,533
ALPHABET INC CAP STK CL A 02079K305   482,032 4,027 SH   SOLE   0 0 4,027
AMAZON COM INC COM 023135106   427,711 3,281 SH   SOLE   0 0 3,281
AMERICAN CENTY ETF TR US SML CP VALU 025072877   9,892,680 127,467 SH   SOLE   0 0 127,467
AMERICAN CENTY ETF TR US EQT ETF 025072885   534,826 7,113 SH   SOLE   0 0 7,113
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   5,609,527 97,455 SH   SOLE   0 0 97,455
APPLE INC COM 037833100   1,699,411 8,761 SH   SOLE   0 0 8,761
ARES CAPITAL CORP COM 04010L103   209,119 11,129 SH   SOLE   0 0 11,129
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   923,087 2,707 SH   SOLE   0 0 2,707
BHP GROUP LTD SPONSORED ADS 088606108   273,408 4,582 SH   SOLE   0 0 4,582
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   237,348 8,675 SH   SOLE   0 0 8,675
CHEVRON CORP NEW COM 166764100   238,071 1,513 SH   SOLE   0 0 1,513
CISCO SYS INC COM 17275R102   314,820 6,085 SH   SOLE   0 0 6,085
CONOCOPHILLIPS COM 20825C104   468,106 4,518 SH   SOLE   0 0 4,518
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   17,017,539 707,590 SH   SOLE   0 0 707,590
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,031,646 37,998 SH   SOLE   0 0 37,998
EXXON MOBIL CORP COM 30231G102   316,495 2,951 SH   SOLE   0 0 2,951
INVESCO QQQ TR UNIT SER 1 46090E103   3,701,236 10,019 SH   SOLE   0 0 10,019
ISHARES INC CORE MSCI EMKT 46434G103   271,292 5,504 SH   SOLE   0 0 5,504
ISHARES TR CORE MSCI EAFE 46432F842   6,455,565 95,638 SH   SOLE   0 0 95,638
ISHARES TR MSCI USA MMENTM 46432F396   991,142 6,871 SH   SOLE   0 0 6,871
ISHARES TR SHRT NAT MUN ETF 464288158   2,737,032 26,308 SH   SOLE   0 0 26,308
ISHARES TR MSCI EAFE ETF 464287465   1,519,984 20,965 SH   SOLE   0 0 20,965
ISHARES TR CORE S&P MCP ETF 464287507   602,973 2,306 SH   SOLE   0 0 2,306
ISHARES TR S&P MC 400GR ETF 464287606   327,075 4,361 SH   SOLE   0 0 4,361
ISHARES TR CORE S&P SCP ETF 464287804   12,895,928 129,412 SH   SOLE   0 0 129,412
ISHARES TR CORE S&P500 ETF 464287200   3,110,828 6,979 SH   SOLE   0 0 6,979
ISHARES TR S&P 500 GRWT ETF 464287309   402,018 5,704 SH   SOLE   0 0 5,704
ISHARES TR RUSSELL 2000 ETF 464287655   1,825,133 9,746 SH   SOLE   0 0 9,746
ISHARES TR CORE S&P TTL STK 464287150   13,261,650 135,544 SH   SOLE   0 0 135,544
ISHARES TR NATIONAL MUN ETF 464288414   10,131,647 94,928 SH   SOLE   0 0 94,928
ISHARES TR ISHS 5-10YR INVT 464288638   3,033,099 59,978 SH   SOLE   0 0 59,978
MICROSOFT CORP COM 594918104   1,667,109 4,895 SH   SOLE   0 0 4,895
NVIDIA CORPORATION COM 67066G104   1,414,579 3,344 SH   SOLE   0 0 3,344
PROLOGIS INC. COM 74340W103   1,621,814 13,225 SH   SOLE   0 0 13,225
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   967,793 18,719 SH   SOLE   0 0 18,719
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,071,214 115,929 SH   SOLE   0 0 115,929
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,661,707 37,939 SH   SOLE   0 0 37,939
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,093,912 32,393 SH   SOLE   0 0 32,393
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,897,769 117,652 SH   SOLE   0 0 117,652
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   5,645,663 114,563 SH   SOLE   0 0 114,563
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   483,075 6,801 SH   SOLE   0 0 6,801
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   218,542 1,257 SH   SOLE   0 0 1,257
SPDR GOLD TR GOLD SHS 78463V107   265,266 1,488 SH   SOLE   0 0 1,488
SPDR SER TR NUVEEN BLMBRG SH 78468R739   283,617 6,028 SH   SOLE   0 0 6,028
SPDR SER TR NUVEEN BLMBRG MU 78468R721   508,222 11,010 SH   SOLE   0 0 11,010
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,560,239 20,213 SH   SOLE   0 0 20,213
SPDR SER TR PORTFOLI S&P1500 78464A805   1,531,506 28,132 SH   SOLE   0 0 28,132
SPDR SER TR PORTFOLIO S&P600 78468R853   327,926 8,443 SH   SOLE   0 0 8,443
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   642,860 6,370 SH   SOLE   0 0 6,370
UNITEDHEALTH GROUP INC COM 91324P102   261,949 545 SH   SOLE   0 0 545
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,602,953 60,910 SH   SOLE   0 0 60,910
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   325,052 6,650 SH   SOLE   0 0 6,650
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   631,654 1,551 SH   SOLE   0 0 1,551
VANGUARD INDEX FDS TOTAL STK MKT 922908769   70,864,611 321,702 SH   SOLE   0 0 321,702
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,504,126 135,303 SH   SOLE   0 0 135,303
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,517,794 552,572 SH   SOLE   0 0 552,572
VISA INC COM CL A 92826C839   554,991 2,337 SH   SOLE   0 0 2,337
WALMART INC COM 931142103   377,524 2,402 SH   SOLE   0 0 2,402