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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Agilent Technologies, Inc COM 00846U101 98,342 828 SH   SOLE 0 0 0 828
Amazon com COM 023135106 76,471 720 SH   SOLE 0 0 0 720
Amgen Inc COM 031162100 121,650 500 SH   SOLE 0 0 0 500
Apple COM 037833100 1,221,183 8,932 SH   SOLE 0 0 0 8,932
AT&T INC COM COM 00206R102 20,059 957 SH   SOLE 0 0 0 957
Automatic Data Processing, Inc COM 053015103 84,016 400 SH   SOLE 0 0 0 400
Berkshire Hathaway COM 084670702 1,271,727 4,658 SH   SOLE 0 0 0 4,658
Charter Communications Inc Com COM 16119P108 37,951 81 SH   SOLE 0 0 0 81
Cisco Systems, Inc COM 17275R102 103,231 2,421 SH   SOLE 0 0 0 2,421
Costco Wholesale Corp COM 22160K105 91,063 190 SH   SOLE 0 0 0 190
DIMENSIONAL ETF TR US MARKETWI COM 25434V724 333,759 10,562 SH   SOLE 0 0 0 10,562
ENDONOVO THERAPEUTICS INC COM COM 29272H300 1 60 SH   SOLE 0 0 0 60
Federal Express Corp COM 31428X106 45,342 200 SH   SOLE 0 0 0 200
Google Inc COM 02079K107 30,624 14 SH   SOLE 0 0 0 14
Hewlett Packard Enterprise Co COM 42824C109 5,304 400 SH   SOLE 0 0 0 400
Hewlett Packard, Inc COM 40434L105 13,112 400 SH   SOLE 0 0 0 400
Home Depot Inc COM 437076102 27,427 100 SH   SOLE 0 0 0 100
International Business Machine COM 459200101 10,600 75 SH   SOLE 0 0 0 75
Johnson & Johnson COM 478160104 26,627 150 SH   SOLE 0 0 0 150
Keysight Technologies, Inc COM 49338L103 64,100 465 SH   SOLE 0 0 0 465
Kyndryl Hldgs Inc Com COM 50155Q100 137 14 SH   SOLE 0 0 0 14
Meta Platforms Inc Com Cl A COM 30303M102 16,125 100 SH   SOLE 0 0 0 100
Microsoft Corp Com COM 594918104 81,158 316 SH   SOLE 0 0 0 316
NVIDIA CORP COM COM 67066G104 7,580 50 SH   SOLE 0 0 0 50
Oracle Corp Com COM 68389X105 183,898 2,632 SH   SOLE 0 0 0 2,632
Pepsico, Inc COM 713448108 20,833 125 SH   SOLE 0 0 0 125
Santa Cruz County Bank COM 801827106 99,746 4,648 SH   SOLE 0 0 0 4,648
Starbucks Corporation COM 855244109 8,785 115 SH   SOLE 0 0 0 115
TAIWAN SEMICONDUCTOR ADR COM 874039100 43,491 532 SH   SOLE 0 0 0 532
Tesla Inc COM 88160R101 696,990 1,035 SH   SOLE 0 0 0 1,035
United Parcel Service, Inc COM 911312106 73,016 400 SH   SOLE 0 0 0 400
VANGUARD ALLWRLD EX US ETF COM 922042775 1,664,667 33,320 SH   SOLE 0 0 0 33,320
VANGUARD DIVIDEND APPRECIATION COM 921908844 9,811,203 68,385 SH   SOLE 0 0 0 68,385
Vanguard ESG US Stock ETF COM 921910733 361,747 5,448 SH   SOLE 0 0 0 5,448
Vanguard EST International Sto COM 921910725 610,499 12,449 SH   SOLE 0 0 0 12,449
VANGUARD EXTEND MKT ETF COM 922908652 1,596,667 12,179 SH   SOLE 0 0 0 12,179
Vanguard FTSE All-World ex-US COM 922042718 5,591,092 54,172 SH   SOLE 0 0 0 54,172
VANGUARD FTSE DEV MKT ETF COM 921943858 787,889 19,311 SH   SOLE 0 0 0 19,311
VANGUARD FTSE EMR MKT ETF COM 922042858 2,029,146 48,719 SH   SOLE 0 0 0 48,719
VANGUARD GLB EX US ETF COM 922042676 137,680 3,110 SH   SOLE 0 0 0 3,110
VANGUARD GROWTH ETF COM 922908736 2,477,645 11,116 SH   SOLE 0 0 0 11,116
VANGUARD INT-TERM CORP ETF COM 92206C870 2,667,867 33,340 SH   SOLE 0 0 0 33,340
VANGUARD MID CAP ETF COM 922908629 42,546 216 SH   SOLE 0 0 0 216
VANGUARD MORTGAGE-BACK SEC ETF COM 92206C771 7,888,833 165,004 SH   SOLE 0 0 0 165,004
Vanguard Real Estate ETF COM 922908553 1,161,926 12,753 SH   SOLE 0 0 0 12,753
Vanguard S&P 500 ETF COM 922908363 5,570,546 16,059 SH   SOLE 0 0 0 16,059
Vanguard Small Cap ETF COM 922908751 444,502 2,524 SH   SOLE 0 0 0 2,524
VANGUARD SMALL CAP VALUE ETF COM 922908611 7,762,913 51,815 SH   SOLE 0 0 0 51,815
Vanguard Total Bond Market COM 921937835 456,377 6,064 SH   SOLE 0 0 0 6,064
VANGUARD TOTAL INTL STOCK INDE COM 921909768 9,470,390 183,499 SH   SOLE 0 0 0 183,499
Vanguard Total Stock Market ET COM 922908769 23,039,359 122,147 SH   SOLE 0 0 0 122,147
VANGUARD VALUE ETF COM 922908744 3,011,612 22,836 SH   SOLE 0 0 0 22,836
VeriSign, Inc COM 92343E102 8,367 50 SH   SOLE 0 0 0 50
WARNER BROS DISCOVERY INC COM COM 934423104 3,100 231 SH   SOLE 0 0 0 231
Wells Fargo & Company COM 949746101 52,762 1,347 SH   SOLE 0 0 0 1,347