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
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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   99,567 828 SH   SOLE   0 0 828
Amazon com COM 023135106   93,859 720 SH   SOLE   0 0 720
Amgen Inc COM 031162100   111,010 500 SH   SOLE   0 0 500
Apple COM 037833100   172,633 890 SH   SOLE   0 0 890
AT&T INC COM COM 00206R102   15,264 957 SH   SOLE   0 0 957
Automatic Data Processing, Inc COM 053015103   87,916 400 SH   SOLE   0 0 400
Berkshire Hathaway COM 084670702   1,240,899 3,639 SH   SOLE   0 0 3,639
Bloom Energy Corporation Com C COM 093712107   3,963,976 242,445 SH   SOLE   0 0 242,445
Charter Communications Inc Com COM 16119P108   29,757 81 SH   SOLE   0 0 81
Cisco Systems, Inc COM 17275R102   125,263 2,421 SH   SOLE   0 0 2,421
Costco Wholesale Corp COM 22160K105   102,292 190 SH   SOLE   0 0 190
DIMENSIONAL ETF INTERNATIONAL COM 25434V807   1,374,970 41,856 SH   SOLE   0 0 41,856
DIMENSIONAL ETF TR US MARKETWI COM 25434V724   798,089 23,133 SH   SOLE   0 0 23,133
ENDONOVO THERAPEUTICS INC COM COM 29272H300   1 60 SH   SOLE   0 0 60
Federal Express Corp COM 31428X106   49,580 200 SH   SOLE   0 0 200
Google Inc COM 02079K107   33,872 280 SH   SOLE   0 0 280
Hewlett Packard Enterprise Co COM 42824C109   6,720 400 SH   SOLE   0 0 400
Hewlett Packard, Inc COM 40434L105   12,284 400 SH   SOLE   0 0 400
Home Depot Inc COM 437076102   31,064 100 SH   SOLE   0 0 100
International Business Machine COM 459200101   10,547 79 SH   SOLE   0 0 79
International Small Cap Value COM 25434V781   119,551 5,055 SH   SOLE   0 0 5,055
Johnson & Johnson COM 478160104   24,828 150 SH   SOLE   0 0 150
Keysight Technologies, Inc COM 49338L103   77,864 465 SH   SOLE   0 0 465
Kyndryl Hldgs Inc Com COM 50155Q100   186 14 SH   SOLE   0 0 14
Meta Platforms Inc Com Cl A COM 30303M102   28,698 100 SH   SOLE   0 0 100
Microsoft Corp Com COM 594918104   107,611 316 SH   SOLE   0 0 316
Oracle Corp Com COM 68389X105   313,445 2,632 SH   SOLE   0 0 2,632
Pepsico, Inc COM 713448108   23,153 125 SH   SOLE   0 0 125
Santa Cruz County Bank COM 801827106   118,524 4,648 SH   SOLE   0 0 4,648
Starbucks Corporation COM 855244109   11,392 115 SH   SOLE   0 0 115
Tesla Inc COM 88160R101   812,796 3,105 SH   SOLE   0 0 3,105
United Parcel Service, Inc COM 911312106   71,700 400 SH   SOLE   0 0 400
VANGUARD ALLWRLD EX US ETF COM 922042775   1,778,935 32,695 SH   SOLE   0 0 32,695
VANGUARD DIVIDEND APPRECIATION COM 921908844   15,218,886 93,695 SH   SOLE   0 0 93,695
Vanguard ESG US Stock ETF COM 921910733   715,022 9,126 SH   SOLE   0 0 9,126
Vanguard EST International Sto COM 921910725   785,497 14,790 SH   SOLE   0 0 14,790
VANGUARD EXTEND MKT ETF COM 922908652   2,075,137 13,943 SH   SOLE   0 0 13,943
Vanguard FTSE All-World ex-US COM 922042718   9,027,210 81,709 SH   SOLE   0 0 81,709
VANGUARD FTSE DEV MKT ETF COM 921943858   1,386,139 30,016 SH   SOLE   0 0 30,016
VANGUARD FTSE EMR MKT ETF COM 922042858   3,349,510 82,338 SH   SOLE   0 0 82,338
VANGUARD GLB EX US ETF COM 922042676   124,991 3,110 SH   SOLE   0 0 3,110
VANGUARD GROWTH ETF COM 922908736   3,026,540 10,696 SH   SOLE   0 0 10,696
VANGUARD INT-TERM CORP ETF COM 92206C870   8,122,229 102,774 SH   SOLE   0 0 102,774
VANGUARD MID CAP ETF COM 922908629   62,305 283 SH   SOLE   0 0 283
VANGUARD MORTGAGE-BACK SEC ETF COM 92206C771   13,422,449 291,856 SH   SOLE   0 0 291,856
Vanguard Real Estate ETF COM 922908553   1,533,326 18,350 SH   SOLE   0 0 18,350
Vanguard S&P 500 ETF COM 922908363   7,136,360 17,522 SH   SOLE   0 0 17,522
Vanguard Small Cap ETF COM 922908751   532,230 2,676 SH   SOLE   0 0 2,676
VANGUARD SMALL CAP VALUE ETF COM 922908611   11,046,393 66,786 SH   SOLE   0 0 66,786
VANGUARD STRM INFPROIDX ETF COM 922020805   1,551,867 32,726 SH   SOLE   0 0 32,726
Vanguard Total Bond Market COM 921937835   130,260 1,792 SH   SOLE   0 0 1,792
VANGUARD TOTAL INTL STOCK INDE COM 921909768   13,518,372 241,055 SH   SOLE   0 0 241,055
Vanguard Total Stock Market ET COM 922908769   31,790,800 144,320 SH   SOLE   0 0 144,320
VANGUARD VALUE ETF COM 922908744   5,198,302 36,582 SH   SOLE   0 0 36,582
VeriSign, Inc COM 92343E102   11,299 50 SH   SOLE   0 0 50
WARNER BROS DISCOVERY INC COM COM 934423104   2,897 231 SH   SOLE   0 0 231
Wells Fargo & Company COM 949746101   57,490 1,347 SH   SOLE   0 0 1,347