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 323 2,973 SH   SOLE 0 0 0 2,973
ABBVIE INC COM 00287Y109 702 4,586 SH   SOLE 0 0 0 4,586
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 323 1,162 SH   SOLE 0 0 0 1,162
ADOBE SYSTEMS INCORPORATED COM 00724F101 248 677 SH   SOLE 0 0 0 677
ALPHABET INC CAP STK CL A 02079K305 1,138 522 SH   SOLE 0 0 0 522
ALPHABET INC CAP STK CL C 02079K107 936 428 SH   SOLE 0 0 0 428
AMAZON COM INC COM 023135106 1,349 12,697 SH   SOLE 0 0 0 12,697
AMGEN INC COM 031162100 266 1,093 SH   SOLE 0 0 0 1,093
APPLE INC COM 037833100 3,984 29,136 SH   SOLE 0 0 0 29,136
ASML HOLDING N V N Y REGISTRY SHS N07059210 450 946 SH   SOLE 0 0 0 946
ASTRAZENECA PLC SPONSORED ADR 046353108 292 4,425 SH   SOLE 0 0 0 4,425
BANCO SANTANDER S.A. ADR 05964H105 112 40,100 SH   SOLE 0 0 0 40,100
BANK MONTREAL QUE COM 063671101 261 2,716 SH   SOLE 0 0 0 2,716
BANK NOVA SCOTIA B C COM 064149107 218 3,685 SH   SOLE 0 0 0 3,685
BARCLAYS PLC ADR 06738E204 90 11,903 SH   SOLE 0 0 0 11,903
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 612 2,243 SH   SOLE 0 0 0 2,243
BK OF AMERICA CORP COM 060505104 237 7,625 SH   SOLE 0 0 0 7,625
BRISTOL-MYERS SQUIBB CO COM 110122108 356 4,621 SH   SOLE 0 0 0 4,621
BROADCOM INC COM 11135F101 312 642 SH   SOLE 0 0 0 642
CHEVRON CORP NEW COM 166764100 256 1,768 SH   SOLE 0 0 0 1,768
CIGNA CORP NEW COM 125523100 259 982 SH   SOLE 0 0 0 982
CISCO SYS INC COM 17275R102 314 7,358 SH   SOLE 0 0 0 7,358
COCA COLA CO COM 191216100 428 6,796 SH   SOLE 0 0 0 6,796
COMCAST CORP NEW CL A 20030N101 218 5,548 SH   SOLE 0 0 0 5,548
COSTCO WHSL CORP NEW COM 22160K105 563 1,174 SH   SOLE 0 0 0 1,174
CVS HEALTH CORP COM 126650100 585 6,310 SH   SOLE 0 0 0 6,310
DANAHER CORPORATION COM 235851102 271 1,070 SH   SOLE 0 0 0 1,070
DIAGEO PLC SPON ADR NEW 25243Q205 227 1,301 SH   SOLE 0 0 0 1,301
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 528 19,989 SH   SOLE 0 0 0 19,989
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,111 46,025 SH   SOLE 0 0 0 46,025
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 345 14,887 SH   SOLE 0 0 0 14,887
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 1,695 41,600 SH   SOLE 0 0 0 41,600
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 4,729 202,970 SH   SOLE 0 0 0 202,970
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,366 49,291 SH   SOLE 0 0 0 49,291
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 389 9,668 SH   SOLE 0 0 0 9,668
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 606 20,975 SH   SOLE 0 0 0 20,975
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 922 43,001 SH   SOLE 0 0 0 43,001
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 724 16,455 SH   SOLE 0 0 0 16,455
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 1,418 30,254 SH   SOLE 0 0 0 30,254
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 581 13,316 SH   SOLE 0 0 0 13,316
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 1,126 23,433 SH   SOLE 0 0 0 23,433
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 329 14,611 SH   SOLE 0 0 0 14,611
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 395 17,097 SH   SOLE 0 0 0 17,097
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 283 12,541 SH   SOLE 0 0 0 12,541
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 7,529 349,872 SH   SOLE 0 0 0 349,872
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 2,475 105,164 SH   SOLE 0 0 0 105,164
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 482 15,250 SH   SOLE 0 0 0 15,250
ELEVANCE HEALTH INC COM 036752103 239 495 SH   SOLE 0 0 0 495
ERICSSON ADR B SEK 10 294821608 80 10,878 SH   SOLE 0 0 0 10,878
EXXON MOBIL CORP COM 30231G102 519 6,061 SH   SOLE 0 0 0 6,061
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 635 6,359 SH   SOLE 0 0 0 6,359
GOLDMAN SACHS GROUP INC COM 38141G104 204 688 SH   SOLE 0 0 0 688
GSK PLC SPONSORED ADR 37733W105 293 6,741 SH   SOLE 0 0 0 6,741
HOME DEPOT INC COM 437076102 479 1,746 SH   SOLE 0 0 0 1,746
ING GROEP N.V. SPONSORED ADR 456837103 102 10,233 SH   SOLE 0 0 0 10,233
INTERNATIONAL BUSINESS MACHS COM 459200101 265 1,878 SH   SOLE 0 0 0 1,878
ISHARES INC CORE MSCI EMKT 46434G103 2,535 51,669 SH   SOLE 0 0 0 51,669
ISHARES TR JPMORGAN USD EMG 464288281 616 7,215 SH   SOLE 0 0 0 7,215
ISHARES TR CORE S&P TTL STK 464287150 599 7,146 SH   SOLE 0 0 0 7,146
ISHARES TR NATIONAL MUN ETF 464288414 200 1,884 SH   SOLE 0 0 0 1,884
ISHARES TR 0-5YR INVT GR CP 46434V100 908 18,734 SH   SOLE 0 0 0 18,734
ISHARES TR RUS 2000 VAL ETF 464287630 1,433 10,528 SH   SOLE 0 0 0 10,528
ISHARES TR RUS MDCP VAL ETF 464287473 1,730 17,036 SH   SOLE 0 0 0 17,036
ISHARES TR CORE US AGGBD ET 464287226 487 4,792 SH   SOLE 0 0 0 4,792
JOHNSON & JOHNSON COM 478160104 811 4,567 SH   SOLE 0 0 0 4,567
JPMORGAN CHASE & CO COM 46625H100 639 5,673 SH   SOLE 0 0 0 5,673
LILLY ELI & CO COM 532457108 394 1,215 SH   SOLE 0 0 0 1,215
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 46 22,529 SH   SOLE 0 0 0 22,529
LOCKHEED MARTIN CORP COM 539830109 250 581 SH   SOLE 0 0 0 581
MASTERCARD INCORPORATED CL A 57636Q104 571 1,809 SH   SOLE 0 0 0 1,809
MCDONALDS CORP COM 580135101 432 1,748 SH   SOLE 0 0 0 1,748
MERCK & CO INC COM 58933Y105 276 3,022 SH   SOLE 0 0 0 3,022
META PLATFORMS INC CL A 30303M102 629 3,900 SH   SOLE 0 0 0 3,900
MICROSOFT CORP COM 594918104 2,938 11,441 SH   SOLE 0 0 0 11,441
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 168 31,447 SH   SOLE 0 0 0 31,447
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 42 18,892 SH   SOLE 0 0 0 18,892
MORGAN STANLEY COM NEW 617446448 226 2,977 SH   SOLE 0 0 0 2,977
NEXTERA ENERGY INC COM 65339F101 247 3,191 SH   SOLE 0 0 0 3,191
NIKE INC CL B 654106103 426 4,173 SH   SOLE 0 0 0 4,173
NOKIA CORP SPONSORED ADR 654902204 116 25,137 SH   SOLE 0 0 0 25,137
NOVARTIS AG SPONSORED ADR 66987V109 355 4,204 SH   SOLE 0 0 0 4,204
NOVO-NORDISK A S ADR 670100205 1,454 13,049 SH   SOLE 0 0 0 13,049
NVIDIA CORPORATION COM 67066G104 493 3,249 SH   SOLE 0 0 0 3,249
ORACLE CORP COM 68389X105 266 3,803 SH   SOLE 0 0 0 3,803
ORANGE SPONSORED ADR 684060106 151 12,864 SH   SOLE 0 0 0 12,864
PEPSICO INC COM 713448108 589 3,533 SH   SOLE 0 0 0 3,533
PFIZER INC COM 717081103 399 7,617 SH   SOLE 0 0 0 7,617
PIMCO ETF TR 15+ YR US TIPS 72201R304 3,063 46,996 SH   SOLE 0 0 0 46,996
PROCTER AND GAMBLE CO COM 742718109 575 4,002 SH   SOLE 0 0 0 4,002
QUALCOMM INC COM 747525103 295 2,311 SH   SOLE 0 0 0 2,311
RELX PLC SPONSORED ADR 759530108 217 8,049 SH   SOLE 0 0 0 8,049
RIO TINTO PLC SPONSORED ADR 767204100 283 4,633 SH   SOLE 0 0 0 4,633
ROYAL BK CDA COM 780087102 491 5,068 SH   SOLE 0 0 0 5,068
SALESFORCE INC COM 79466L302 201 1,216 SH   SOLE 0 0 0 1,216
SANOFI SPONSORED ADR 80105N105 202 4,029 SH   SOLE 0 0 0 4,029
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,440 191,003 SH   SOLE 0 0 0 191,003
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,087 161,743 SH   SOLE 0 0 0 161,743
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,946 31,174 SH   SOLE 0 0 0 31,174
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 849 17,255 SH   SOLE 0 0 0 17,255
SONY GROUP CORPORATION SPONSORED ADR 835699307 398 4,862 SH   SOLE 0 0 0 4,862
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 101 17,150 SH   SOLE 0 0 0 17,150
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 206 14,704 SH   SOLE 0 0 0 14,704
TELEFONICA S A SPONSORED ADR 879382208 75 14,641 SH   SOLE 0 0 0 14,641
TESLA INC COM 88160R101 1,195 1,775 SH   SOLE 0 0 0 1,775
TEXAS INSTRS INC COM 882508104 209 1,359 SH   SOLE 0 0 0 1,359
THERMO FISHER SCIENTIFIC INC COM 883556102 333 613 SH   SOLE 0 0 0 613
TORONTO DOMINION BK ONT COM NEW 891160509 313 4,776 SH   SOLE 0 0 0 4,776
TOYOTA MOTOR CORP ADS 892331307 548 3,556 SH   SOLE 0 0 0 3,556
TRAVELERS COMPANIES INC COM 89417E109 203 1,203 SH   SOLE 0 0 0 1,203
UNILEVER PLC SPON ADR NEW 904767704 345 7,537 SH   SOLE 0 0 0 7,537
UNION PAC CORP COM 907818108 296 1,389 SH   SOLE 0 0 0 1,389
UNITEDHEALTH GROUP INC COM 91324P102 1,119 2,178 SH   SOLE 0 0 0 2,178
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 438 5,825 SH   SOLE 0 0 0 5,825
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,204 24,310 SH   SOLE 0 0 0 24,310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 444 1,279 SH   SOLE 0 0 0 1,279
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 772 5,964 SH   SOLE 0 0 0 5,964
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,023 16,029 SH   SOLE 0 0 0 16,029
VANGUARD INDEX FDS VALUE ETF 922908744 935 7,088 SH   SOLE 0 0 0 7,088
VANGUARD INDEX FDS SM CP VAL ETF 922908611 722 4,817 SH   SOLE 0 0 0 4,817
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,171 52,116 SH   SOLE 0 0 0 52,116
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 233 2,260 SH   SOLE 0 0 0 2,260
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 353 4,137 SH   SOLE 0 0 0 4,137
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 572 11,404 SH   SOLE 0 0 0 11,404
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 22,009 373,920 SH   SOLE 0 0 0 373,920
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3,056 74,909 SH   SOLE 0 0 0 74,909
VANGUARD WORLD FD ESG US STK ETF 921910733 898 13,527 SH   SOLE 0 0 0 13,527
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,334 47,600 SH   SOLE 0 0 0 47,600
VERIZON COMMUNICATIONS INC COM 92343V104 385 7,594 SH   SOLE 0 0 0 7,594
VISA INC COM CL A 92826C839 619 3,145 SH   SOLE 0 0 0 3,145
WALMART INC COM 931142103 324 2,661 SH   SOLE 0 0 0 2,661