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
Agilent Technologies, Inc COM 00846U101   114,546 828 SH   SOLE   0 0 828
Amazon com COM 023135106   74,369 720 SH   SOLE   0 0 720
Amgen Inc COM 031162100   120,875 500 SH   SOLE   0 0 500
Apple COM 037833100   146,761 890 SH   SOLE   0 0 890
AT&T INC COM COM 00206R102   18,422 957 SH   SOLE   0 0 957
Automatic Data Processing, Inc COM 053015103   89,052 400 SH   SOLE   0 0 400
Berkshire Hathaway COM 084670702   1,230,448 3,985 SH   SOLE   0 0 3,985
Bloom Energy Corporation Com C COM 093712107   1,090,031 54,693 SH   SOLE   0 0 54,693
Charter Communications Inc Com COM 16119P108   28,966 81 SH   SOLE   0 0 81
Cisco Systems, Inc COM 17275R102   126,558 2,421 SH   SOLE   0 0 2,421
Costco Wholesale Corp COM 22160K105   94,405 190 SH   SOLE   0 0 190
DIMENSIONAL ETF INTERNATIONAL COM 25434V807   1,327,199 41,179 SH   SOLE   0 0 41,179
DIMENSIONAL ETF TR US MARKETWI COM 25434V724   742,084 22,165 SH   SOLE   0 0 22,165
ENDONOVO THERAPEUTICS INC COM COM 29272H300   1 60 SH   SOLE   0 0 60
Federal Express Corp COM 31428X106   45,698 200 SH   SOLE   0 0 200
Google Inc COM 02079K107   29,120 280 SH   SOLE   0 0 280
Hewlett Packard Enterprise Co COM 42824C109   6,372 400 SH   SOLE   0 0 400
Hewlett Packard, Inc COM 40434L105   11,740 400 SH   SOLE   0 0 400
Home Depot Inc COM 437076102   29,512 100 SH   SOLE   0 0 100
International Business Machine COM 459200101   10,209 78 SH   SOLE   0 0 78
Johnson & Johnson COM 478160104   23,250 150 SH   SOLE   0 0 150
Keysight Technologies, Inc COM 49338L103   75,088 465 SH   SOLE   0 0 465
Kyndryl Hldgs Inc Com COM 50155Q100   207 14 SH   SOLE   0 0 14
Meta Platforms Inc Com Cl A COM 30303M102   21,194 100 SH   SOLE   0 0 100
Microsoft Corp Com COM 594918104   91,103 316 SH   SOLE   0 0 316
Oracle Corp Com COM 68389X105   244,565 2,632 SH   SOLE   0 0 2,632
Pepsico, Inc COM 713448108   22,788 125 SH   SOLE   0 0 125
Santa Cruz County Bank COM 801827106   113,179 4,648 SH   SOLE   0 0 4,648
Starbucks Corporation COM 855244109   11,975 115 SH   SOLE   0 0 115
Tesla Inc COM 88160R101   644,163 3,105 SH   SOLE   0 0 3,105
United Parcel Service, Inc COM 911312106   77,596 400 SH   SOLE   0 0 400
VANGUARD ALLWRLD EX US ETF COM 922042775   1,792,261 33,519 SH   SOLE   0 0 33,519
VANGUARD DIVIDEND APPRECIATION COM 921908844   14,691,021 95,390 SH   SOLE   0 0 95,390
Vanguard ESG US Stock ETF COM 921910733   654,425 9,126 SH   SOLE   0 0 9,126
Vanguard EST International Sto COM 921910725   774,404 14,790 SH   SOLE   0 0 14,790
VANGUARD EXTEND MKT ETF COM 922908652   1,984,811 14,157 SH   SOLE   0 0 14,157
Vanguard FTSE All-World ex-US COM 922042718   8,711,890 79,750 SH   SOLE   0 0 79,750
VANGUARD FTSE DEV MKT ETF COM 921943858   1,299,541 28,770 SH   SOLE   0 0 28,770
VANGUARD FTSE EMR MKT ETF COM 922042858   3,303,104 81,760 SH   SOLE   0 0 81,760
VANGUARD GLB EX US ETF COM 922042676   126,173 3,110 SH   SOLE   0 0 3,110
VANGUARD GROWTH ETF COM 922908736   2,668,010 10,696 SH   SOLE   0 0 10,696
VANGUARD INT-TERM CORP ETF COM 92206C870   7,553,676 94,162 SH   SOLE   0 0 94,162
VANGUARD MID CAP ETF COM 922908629   59,690 283 SH   SOLE   0 0 283
VANGUARD MORTGAGE-BACK SEC ETF COM 92206C771   12,511,083 268,767 SH   SOLE   0 0 268,767
Vanguard Real Estate ETF COM 922908553   1,446,225 17,416 SH   SOLE   0 0 17,416
Vanguard S&P 500 ETF COM 922908363   6,635,755 17,645 SH   SOLE   0 0 17,645
Vanguard Small Cap ETF COM 922908751   478,449 2,524 SH   SOLE   0 0 2,524
VANGUARD SMALL CAP VALUE ETF COM 922908611   10,429,251 65,692 SH   SOLE   0 0 65,692
VANGUARD STRM INFPROIDX ETF COM 922020805   1,419,585 29,686 SH   SOLE   0 0 29,686
Vanguard Total Bond Market COM 921937835   421,569 5,710 SH   SOLE   0 0 5,710
VANGUARD TOTAL INTL STOCK INDE COM 921909768   13,377,500 242,302 SH   SOLE   0 0 242,302
Vanguard Total Stock Market ET COM 922908769   28,195,590 138,146 SH   SOLE   0 0 138,146
VANGUARD VALUE ETF COM 922908744   5,846,334 42,331 SH   SOLE   0 0 42,331
VeriSign, Inc COM 92343E102   10,567 50 SH   SOLE   0 0 50
WARNER BROS DISCOVERY INC COM COM 934423104   3,488 231 SH   SOLE   0 0 231
Wells Fargo & Company COM 949746101   50,351 1,347 SH   SOLE   0 0 1,347