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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 423 3,009 SH   SOLE 0 0 0 3,009
ABBVIE INC COM 00287Y109 414 3,058 SH   SOLE 0 0 0 3,058
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 483 1,166 SH   SOLE 0 0 0 1,166
ADOBE SYSTEMS INCORPORATED COM 00724F101 398 702 SH   SOLE 0 0 0 702
ADVANCED MICRO DEVICES INC COM 007903107 224 1,557 SH   SOLE 0 0 0 1,557
ALPHABET INC CAP STK CL A 02079K305 1,585 547 SH   SOLE 0 0 0 547
ALPHABET INC CAP STK CL C 02079K107 1,108 383 SH   SOLE 0 0 0 383
AMAZON COM INC COM 023135106 2,064 619 SH   SOLE 0 0 0 619
AMGEN INC COM 031162100 219 975 SH   SOLE 0 0 0 975
APPLE INC COM 037833100 5,235 29,479 SH   SOLE 0 0 0 29,479
APPLIED MATLS INC COM 038222105 231 1,466 SH   SOLE 0 0 0 1,466
ASML HOLDING N V N Y REGISTRY SHS N07059210 560 703 SH   SOLE 0 0 0 703
ASTRAZENECA PLC SPONSORED ADR 046353108 235 4,027 SH   SOLE 0 0 0 4,027
BANCO SANTANDER S.A. ADR 05964H105 67 20,477 SH   SOLE 0 0 0 20,477
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 656 2,194 SH   SOLE 0 0 0 2,194
BK OF AMERICA CORP COM 060505104 298 6,698 SH   SOLE 0 0 0 6,698
BLACKROCK INC COM 09247X101 341 372 SH   SOLE 0 0 0 372
BRISTOL-MYERS SQUIBB CO COM 110122108 265 4,258 SH   SOLE 0 0 0 4,258
BROADCOM INC COM 11135F101 408 613 SH   SOLE 0 0 0 613
CHARTER COMMUNICATIONS INC N CL A 16119P108 219 336 SH   SOLE 0 0 0 336
CHEVRON CORP NEW COM 166764100 207 1,768 SH   SOLE 0 0 0 1,768
CISCO SYS INC COM 17275R102 322 5,086 SH   SOLE 0 0 0 5,086
COCA COLA CO COM 191216100 285 4,817 SH   SOLE 0 0 0 4,817
COMCAST CORP NEW CL A 20030N101 253 5,023 SH   SOLE 0 0 0 5,023
COSTCO WHSL CORP NEW COM 22160K105 659 1,161 SH   SOLE 0 0 0 1,161
CVS HEALTH CORP COM 126650100 562 5,452 SH   SOLE 0 0 0 5,452
DANAHER CORPORATION COM 235851102 358 1,088 SH   SOLE 0 0 0 1,088
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 1,311 25,349 SH   SOLE 0 0 0 25,349
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 3,119 107,651 SH   SOLE 0 0 0 107,651
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,131 35,529 SH   SOLE 0 0 0 35,529
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 521 10,963 SH   SOLE 0 0 0 10,963
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 497 15,142 SH   SOLE 0 0 0 15,142
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 953 36,516 SH   SOLE 0 0 0 36,516
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 9,351 188,302 SH   SOLE 0 0 0 188,302
DISNEY WALT CO COM 254687106 319 2,058 SH   SOLE 0 0 0 2,058
EATON CORP PLC SHS G29183103 238 1,376 SH   SOLE 0 0 0 1,376
ERICSSON ADR B SEK 10 294821608 190 17,466 SH   SOLE 0 0 0 17,466
EXXON MOBIL CORP COM 30231G102 371 6,066 SH   SOLE 0 0 0 6,066
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 450 4,493 SH   SOLE 0 0 0 4,493
GOLDMAN SACHS GROUP INC COM 38141G104 275 719 SH   SOLE 0 0 0 719
HOME DEPOT INC COM 437076102 758 1,827 SH   SOLE 0 0 0 1,827
INTEL CORP COM 458140100 268 5,208 SH   SOLE 0 0 0 5,208
INTUITIVE SURGICAL INC COM NEW 46120E602 243 676 SH   SOLE 0 0 0 676
ISHARES INC CORE MSCI EMKT 46434G103 3,129 52,280 SH   SOLE 0 0 0 52,280
ISHARES TR CORE S&P TTL STK 464287150 705 6,594 SH   SOLE 0 0 0 6,594
ISHARES TR JPMORGAN USD EMG 464288281 729 6,684 SH   SOLE 0 0 0 6,684
ISHARES TR CORE US AGGBD ET 464287226 547 4,791 SH   SOLE 0 0 0 4,791
ISHARES TR RUS 2000 VAL ETF 464287630 1,744 10,500 SH   SOLE 0 0 0 10,500
ISHARES TR RUS MDCP VAL ETF 464287473 2,085 17,035 SH   SOLE 0 0 0 17,035
JOHNSON & JOHNSON COM 478160104 736 4,301 SH   SOLE 0 0 0 4,301
JPMORGAN CHASE & CO COM 46625H100 609 3,849 SH   SOLE 0 0 0 3,849
LILLY ELI & CO COM 532457108 310 1,124 SH   SOLE 0 0 0 1,124
LINDE PLC SHS G5494J103 204 588 SH   SOLE 0 0 0 588
LOCKHEED MARTIN CORP COM 539830109 206 581 SH   SOLE 0 0 0 581
LOWES COS INC COM 548661107 300 1,160 SH   SOLE 0 0 0 1,160
MASTERCARD INCORPORATED CL A 57636Q104 580 1,613 SH   SOLE 0 0 0 1,613
MCDONALDS CORP COM 580135101 455 1,699 SH   SOLE 0 0 0 1,699
MERCK & CO INC COM 58933Y105 213 2,783 SH   SOLE 0 0 0 2,783
META PLATFORMS INC CL A 30303M102 1,068 3,174 SH   SOLE 0 0 0 3,174
MICROSOFT CORP COM 594918104 3,789 11,265 SH   SOLE 0 0 0 11,265
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 89 16,270 SH   SOLE 0 0 0 16,270
MORGAN STANLEY COM NEW 617446448 295 3,001 SH   SOLE 0 0 0 3,001
NETFLIX INC COM 64110L106 392 650 SH   SOLE 0 0 0 650
NEXTERA ENERGY INC COM 65339F101 308 3,296 SH   SOLE 0 0 0 3,296
NIKE INC CL B 654106103 606 3,635 SH   SOLE 0 0 0 3,635
NOVARTIS AG SPONSORED ADR 66987V109 202 2,314 SH   SOLE 0 0 0 2,314
NOVO-NORDISK A S ADR 670100205 1,036 9,247 SH   SOLE 0 0 0 9,247
NVIDIA CORPORATION COM 67066G104 982 3,338 SH   SOLE 0 0 0 3,338
ORACLE CORP COM 68389X105 333 3,820 SH   SOLE 0 0 0 3,820
PAYPAL HLDGS INC COM 70450Y103 268 1,419 SH   SOLE 0 0 0 1,419
PEPSICO INC COM 713448108 583 3,354 SH   SOLE 0 0 0 3,354
PFIZER INC COM 717081103 440 7,445 SH   SOLE 0 0 0 7,445
PROCTER AND GAMBLE CO COM 742718109 649 3,968 SH   SOLE 0 0 0 3,968
QUALCOMM INC COM 747525103 382 2,090 SH   SOLE 0 0 0 2,090
ROCKWELL AUTOMATION INC COM 773903109 204 585 SH   SOLE 0 0 0 585
ROYAL BK CDA COM 780087102 371 3,495 SH   SOLE 0 0 0 3,495
SALESFORCE COM INC COM 79466L302 343 1,349 SH   SOLE 0 0 0 1,349
SCHWAB CHARLES CORP COM 808513105 241 2,871 SH   SOLE 0 0 0 2,871
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,780 95,387 SH   SOLE 0 0 0 95,387
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,282 161,623 SH   SOLE 0 0 0 161,623
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,283 31,186 SH   SOLE 0 0 0 31,186
SONY GROUP CORPORATION SPONSORED ADR 835699307 322 2,546 SH   SOLE 0 0 0 2,546
TARGET CORP COM 87612E106 221 954 SH   SOLE 0 0 0 954
TESLA INC COM 88160R101 1,975 1,869 SH   SOLE 0 0 0 1,869
TEXAS INSTRS INC COM 882508104 256 1,360 SH   SOLE 0 0 0 1,360
THERMO FISHER SCIENTIFIC INC COM 883556102 408 612 SH   SOLE 0 0 0 612
TORONTO DOMINION BK ONT COM NEW 891160509 215 2,802 SH   SOLE 0 0 0 2,802
TOYOTA MOTOR CORP ADS 892331307 359 1,937 SH   SOLE 0 0 0 1,937
UNILEVER PLC SPON ADR NEW 904767704 232 4,319 SH   SOLE 0 0 0 4,319
UNION PAC CORP COM 907818108 347 1,376 SH   SOLE 0 0 0 1,376
UNITED PARCEL SERVICE INC CL B 911312106 221 1,030 SH   SOLE 0 0 0 1,030
UNITEDHEALTH GROUP INC COM 91324P102 798 1,590 SH   SOLE 0 0 0 1,590
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 492 5,799 SH   SOLE 0 0 0 5,799
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,305 23,656 SH   SOLE 0 0 0 23,656
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 905 6,023 SH   SOLE 0 0 0 6,023
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 717 1,641 SH   SOLE 0 0 0 1,641
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,854 15,964 SH   SOLE 0 0 0 15,964
VANGUARD INDEX FDS VALUE ETF 922908744 1,068 7,259 SH   SOLE 0 0 0 7,259
VANGUARD INDEX FDS SM CP VAL ETF 922908611 919 5,137 SH   SOLE 0 0 0 5,137
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,504 50,629 SH   SOLE 0 0 0 50,629
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 378 3,518 SH   SOLE 0 0 0 3,518
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 593 11,538 SH   SOLE 0 0 0 11,538
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,878 96,631 SH   SOLE 0 0 0 96,631
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,662 71,716 SH   SOLE 0 0 0 71,716
VANGUARD WORLD FD ESG INTL STK ETF 921910725 335 5,402 SH   SOLE 0 0 0 5,402
VERIZON COMMUNICATIONS INC COM 92343V104 282 5,421 SH   SOLE 0 0 0 5,421
VISA INC COM CL A 92826C839 617 2,848 SH   SOLE 0 0 0 2,848
WALMART INC COM 931142103 384 2,651 SH   SOLE 0 0 0 2,651
ZIPRECRUITER INC CL A 98980B103 249 10,000 SH   SOLE 0 0 0 10,000
ZOETIS INC CL A 98978V103 218 894 SH   SOLE 0 0 0 894