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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ARCH CAP GROUP LTD ORD G0450A105   356,976 3,676 SH   SOLE   0 0 3,676
EATON CORP PLC SHS G29183103   604,745 1,819 SH   SOLE   0 0 1,819
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   241,567 2,277 SH   SOLE   0 0 2,277
MEDTRONIC PLC SHS G5960L103   276,005 3,534 SH   SOLE   0 0 3,534
RENAISSANCERE HLDGS LTD COM G7496G103   298,181 1,300 SH   SOLE   0 0 1,300
BUNGE GLOBAL SA COM SHS H11356104   368,144 3,305 SH   SOLE   0 0 3,305
GARMIN LTD SHS H2906T109   239,761 1,380 SH   SOLE   0 0 1,380
ASML HOLDING N V N Y REGISTRY SHS N07059210   225,388 211 SH   SOLE   0 0 211
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   329,256 3,368 SH   SOLE   0 0 3,368
AGCO CORP COM 001084102   273,638 2,701 SH   SOLE   0 0 2,701
AES CORP COM 00130H105   238,699 13,524 SH   SOLE   0 0 13,524
ABBOTT LABS COM 002824100   265,943 2,589 SH   SOLE   0 0 2,589
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   2,216,540 93,961 SH   SOLE   0 0 93,961
ADVANCED MICRO DEVICES INC COM 007903107   323,319 1,821 SH   SOLE   0 0 1,821
AIR PRODS & CHEMS INC COM 009158106   241,312 902 SH   SOLE   0 0 902
ALLIANT ENERGY CORP COM 018802108   335,667 6,141 SH   SOLE   0 0 6,141
ALLSTATE CORP COM 020002101   511,821 3,050 SH   SOLE   0 0 3,050
ALPHABET INC CAP STK CL C 02079K107   2,619,007 14,119 SH   SOLE   0 0 14,119
ALPHABET INC CAP STK CL A 02079K305   1,101,497 5,989 SH   SOLE   0 0 5,989
ALTRIA GROUP INC COM 02209S103   304,462 6,339 SH   SOLE   0 0 6,339
AMAZON COM INC COM 023135106   1,603,996 8,310 SH   SOLE   0 0 8,310
AMGEN INC COM 031162100   390,434 1,172 SH   SOLE   0 0 1,172
APPLE INC COM 037833100   39,884,857 169,853 SH   SOLE   0 0 169,853
ARISTA NETWORKS INC COM 040413106   880,171 2,457 SH   SOLE   0 0 2,457
AUTOLIV INC COM 052800109   319,635 2,877 SH   SOLE   0 0 2,877
AUTOMATIC DATA PROCESSING IN COM 053015103   232,300 945 SH   SOLE   0 0 945
AUTONATION INC COM 05329W102   438,323 2,415 SH   SOLE   0 0 2,415
AUTOZONE INC COM 053332102   334,357 112 SH   SOLE   0 0 112
BANCO SANTANDER S.A. ADR 05964H105   79,082 16,373 SH   SOLE   0 0 16,373
BANK AMERICA CORP COM 060505104   853,739 19,346 SH   SOLE   0 0 19,346
BANK MARIN BANCORP COM 063425102   374,900 17,709 SH   SOLE   0 0 17,709
BANK NEW YORK MELLON CORP COM 064058100   437,715 6,732 SH   SOLE   0 0 6,732
BANK NOVA SCOTIA HALIFAX COM 064149107   217,301 4,529 SH   SOLE   0 0 4,529
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,839,869 4,192 SH   SOLE   0 0 4,192
BLACKROCK RES & COMMODITIES SHS 09257A108   610,149 64,703 SH   SOLE   0 0 64,703
BLACKSTONE INC COM 09260D107   410,345 2,995 SH   SOLE   0 0 2,995
BRISTOL-MYERS SQUIBB CO COM 110122108   201,286 4,886 SH   SOLE   0 0 4,886
BROADCOM INC COM 11135F101   308,263 1,820 SH   SOLE   0 0 1,820
THE CIGNA GROUP COM 125523100   361,791 1,065 SH   SOLE   0 0 1,065
CATERPILLAR INC COM 149123101   654,453 1,815 SH   SOLE   0 0 1,815
CENTENE CORP DEL COM 15135B101   285,148 4,126 SH   SOLE   0 0 4,126
CHARLES RIV LABS INTL INC COM 159864107   257,770 1,134 SH   SOLE   0 0 1,134
CHEVRON CORP NEW COM 166764100   429,997 2,725 SH   SOLE   0 0 2,725
CISCO SYS INC COM 17275R102   519,563 10,957 SH   SOLE   0 0 10,957
COCA COLA CO COM 191216100   406,865 6,331 SH   SOLE   0 0 6,331
COINBASE GLOBAL INC COM CL A 19260Q107   2,862,459 11,382 SH   SOLE   0 0 11,382
COMCAST CORP NEW CL A 20030N101   217,626 5,494 SH   SOLE   0 0 5,494
CONSOLIDATED EDISON INC COM 209115104   405,200 4,426 SH   SOLE   0 0 4,426
CROWN CASTLE INC COM 22822V101   312,739 3,010 SH   SOLE   0 0 3,010
DEERE & CO COM 244199105   361,277 957 SH   SOLE   0 0 957
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,654,283 42,266 SH   SOLE   0 0 42,266
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   16,748,997 542,917 SH   SOLE   0 0 542,917
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   14,058,554 523,986 SH   SOLE   0 0 523,986
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,225,906 163,841 SH   SOLE   0 0 163,841
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   281,126 4,511 SH   SOLE   0 0 4,511
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633   268,447 5,336 SH   SOLE   0 0 5,336
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   4,727,389 156,329 SH   SOLE   0 0 156,329
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   218,311 6,295 SH   SOLE   0 0 6,295
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   309,528 9,011 SH   SOLE   0 0 9,011
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   17,751,854 524,427 SH   SOLE   0 0 524,427
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   956,489 26,198 SH   SOLE   0 0 26,198
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   695,827 25,202 SH   SOLE   0 0 25,202
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   348,213 12,300 SH   SOLE   0 0 12,300
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   4,735,805 173,791 SH   SOLE   0 0 173,791
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   383,059 14,011 SH   SOLE   0 0 14,011
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   15,074,566 403,927 SH   SOLE   0 0 403,927
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   5,812,518 174,760 SH   SOLE   0 0 174,760
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   434,567 10,337 SH   SOLE   0 0 10,337
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,014,100 38,442 SH   SOLE   0 0 38,442
DISNEY WALT CO COM 254687106   534,724 5,430 SH   SOLE   0 0 5,430
DOW INC COM 260557103   348,220 6,366 SH   SOLE   0 0 6,366
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   372,157 22,748 SH   SOLE   0 0 22,748
EQUITABLE HLDGS INC COM 29452E101   390,092 9,032 SH   SOLE   0 0 9,032
EURONET WORLDWIDE INC COM 298736109   253,542 2,334 SH   SOLE   0 0 2,334
EXXON MOBIL CORP COM 30231G102   586,179 5,052 SH   SOLE   0 0 5,052
META PLATFORMS INC CL A 30303M102   944,316 1,928 SH   SOLE   0 0 1,928
FASTENAL CO COM 311900104   260,588 3,775 SH   SOLE   0 0 3,775
FEDEX CORP COM 31428X106   466,518 1,488 SH   SOLE   0 0 1,488
GENERAL DYNAMICS CORP COM 369550108   338,536 1,161 SH   SOLE   0 0 1,161
GENERAL MLS INC COM 370334104   256,506 4,078 SH   SOLE   0 0 4,078
GENUINE PARTS CO COM 372460105   324,397 2,289 SH   SOLE   0 0 2,289
GOLDMAN SACHS GROUP INC COM 38141G104   560,936 1,115 SH   SOLE   0 0 1,115
GRAPHIC PACKAGING HLDG CO COM 388689101   267,833 9,586 SH   SOLE   0 0 9,586
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   718,266 12,416 SH   SOLE   0 0 12,416
HP INC COM 40434L105   274,519 7,224 SH   SOLE   0 0 7,224
HALLIBURTON CO COM 406216101   314,183 8,737 SH   SOLE   0 0 8,737
HERSHEY CO COM 427866108   202,888 1,068 SH   SOLE   0 0 1,068
HEWLETT PACKARD ENTERPRISE C COM 42824C109   288,409 13,458 SH   SOLE   0 0 13,458
HOME DEPOT INC COM 437076102   618,645 1,676 SH   SOLE   0 0 1,676
HONEYWELL INTL INC COM 438516106   248,400 1,137 SH   SOLE   0 0 1,137
HORMEL FOODS CORP COM 440452100   315,764 10,069 SH   SOLE   0 0 10,069
ILLINOIS TOOL WKS INC COM 452308109   318,130 1,255 SH   SOLE   0 0 1,255
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318   355,209 10,262 SH   SOLE   0 0 10,262
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367   815,424 29,443 SH   SOLE   0 0 29,443
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C375   957,720 27,930 SH   SOLE   0 0 27,930
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383   516,200 13,380 SH   SOLE   0 0 13,380
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425   762,552 23,800 SH   SOLE   0 0 23,800
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   342,929 8,432 SH   SOLE   0 0 8,432
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   357,468 9,799 SH   SOLE   0 0 9,799
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   346,494 10,200 SH   SOLE   0 0 10,200
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672   331,602 9,802 SH   SOLE   0 0 9,802
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   1,388,415 37,780 SH   SOLE   0 0 37,780
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C730   308,698 9,478 SH   SOLE   0 0 9,478
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   717,687 24,238 SH   SOLE   0 0 24,238
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   766,558 19,338 SH   SOLE   0 0 19,338
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839   1,003,592 30,156 SH   SOLE   0 0 30,156
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   292,235 8,288 SH   SOLE   0 0 8,288
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285   1,440,088 56,430 SH   SOLE   0 0 56,430
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y343   332,511 12,600 SH   SOLE   0 0 12,600
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208   274,964 8,663 SH   SOLE   0 0 8,663
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   391,631 3,167 SH   SOLE   0 0 3,167
INTERNATIONAL BUSINESS MACHS COM 459200101   367,161 1,976 SH   SOLE   0 0 1,976
INVESCO QQQ TR UNIT SER 1 46090E103   5,260,166 10,598 SH   SOLE   0 0 10,598
INVESCO CURRENCYSHARES AUSTR AUSTRALIAN DOL 46090N103   247,658 3,711 SH   SOLE   0 0 3,711
INTUITIVE SURGICAL INC COM NEW 46120E602   394,209 900 SH   SOLE   0 0 900
INTUIT COM 461202103   600,867 902 SH   SOLE   0 0 902
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   1,133,976 49,175 SH   SOLE   0 0 49,175
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   308,770 4,613 SH   SOLE   0 0 4,613
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   504,490 2,470 SH   SOLE   0 0 2,470
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   411,279 4,085 SH   SOLE   0 0 4,085
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104   231,347 3,232 SH   SOLE   0 0 3,232
ISHARES SILVER TR ISHARES 46428Q109   582,843 20,372 SH   SOLE   0 0 20,372
ISHARES GOLD TR ISHARES NEW 464285204   4,476,794 95,945 SH   SOLE   0 0 95,945
ISHARES INC MSCI STH KOR ETF 464286772   3,190,298 46,758 SH   SOLE   0 0 46,758
ISHARES INC MSCI GERMANY ETF 464286806   2,530,400 80,000 SH   SOLE   0 0 80,000
ISHARES TR TIPS BD ETF 464287176   1,244,312 11,546 SH   SOLE   0 0 11,546
ISHARES TR CORE S&P500 ETF 464287200   666,876 1,174 SH   SOLE   0 0 1,174
ISHARES TR CORE US AGGBD ET 464287226   654,102 6,644 SH   SOLE   0 0 6,644
ISHARES TR MSCI EMG MKT ETF 464287234   222,070 5,014 SH   SOLE   0 0 5,014
ISHARES TR IBOXX INV CP ETF 464287242   5,653,284 51,770 SH   SOLE   0 0 51,770
ISHARES TR RUS 1000 VAL ETF 464287598   4,042,310 22,163 SH   SOLE   0 0 22,163
ISHARES TR S&P MC 400GR ETF 464287606   388,659 4,155 SH   SOLE   0 0 4,155
ISHARES TR RUS 1000 GRW ETF 464287614   2,524,452 6,688 SH   SOLE   0 0 6,688
ISHARES TR RUS 1000 ETF 464287622   2,618,508 8,464 SH   SOLE   0 0 8,464
ISHARES TR RUS 2000 VAL ETF 464287630   764,025 4,523 SH   SOLE   0 0 4,523
ISHARES TR RUS 2000 GRW ETF 464287648   376,714 1,300 SH   SOLE   0 0 1,300
ISHARES TR S&P MC 400VL ETF 464287705   403,505 3,332 SH   SOLE   0 0 3,332
ISHARES TR CORE S&P SCP ETF 464287804   1,012,215 8,664 SH   SOLE   0 0 8,664
ISHARES TR AGENCY BOND ETF 464288166   346,466 3,195 SH   SOLE   0 0 3,195
ISHARES TR MSCI AC ASIA ETF 464288182   8,214,684 109,969 SH   SOLE   0 0 109,969
ISHARES TR NATIONAL MUN ETF 464288414   5,430,220 50,556 SH   SOLE   0 0 50,556
ISHARES TR SHORT TREAS BD 464288679   524,035 4,751 SH   SOLE   0 0 4,751
ISHARES TR GRWT ALLOCAT ETF 464289867   427,053 7,408 SH   SOLE   0 0 7,408
ISHARES TR MODERT ALLOC ETF 464289875   201,427 4,603 SH   SOLE   0 0 4,603
ISHARES TR MSCI INDIA ETF 46429B598   1,499,735 26,146 SH   SOLE   0 0 26,146
ISHARES TR FLTG RATE NT ETF 46429B655   304,066 5,965 SH   SOLE   0 0 5,965
ISHARES TR MSCI CHINA ETF 46429B671   349,130 8,108 SH   SOLE   0 0 8,108
ISHARES TR MSCI EAFE MIN VL 46429B689   532,990 7,444 SH   SOLE   0 0 7,444
ISHARES TR MSCI USA MIN VOL 46429B697   2,197,549 25,370 SH   SOLE   0 0 25,370
ISHARES TR CORE MSCI TOTAL 46432F834   395,395 5,630 SH   SOLE   0 0 5,630
ISHARES INC MSCI TAIWAN ETF 46434G772   382,017 6,753 SH   SOLE   0 0 6,753
ISHARES INC MSCI SINGPOR ETF 46434G780   312,127 15,521 SH   SOLE   0 0 15,521
ISHARES INC MSCI JPN ETF NEW 46434G822   1,641,621 22,832 SH   SOLE   0 0 22,832
ISHARES TR GLOBAL REIT ETF 46434V647   2,920,608 118,627 SH   SOLE   0 0 118,627
ISHARES TR CORE MSCI EURO 46434V738   1,889,122 32,117 SH   SOLE   0 0 32,117
ISHARES TR MSCI UK ETF NEW 46435G334   226,167 6,314 SH   SOLE   0 0 6,314
ISHARES TR BB RAT CORP BD 46435U473   465,637 10,018 SH   SOLE   0 0 10,018
ISHARES TR ROBOTICS ARTIF 46435U556   448,146 12,822 SH   SOLE   0 0 12,822
ISHARES TR 0-3 MNTH TREASRY 46436E718   8,243,629 82,010 SH   SOLE   0 0 82,010
JPMORGAN CHASE & CO. COM 46625H100   638,724 2,990 SH   SOLE   0 0 2,990
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   221,098 3,864 SH   SOLE   0 0 3,864
JOHNSON & JOHNSON COM 478160104   520,162 3,445 SH   SOLE   0 0 3,445
KENVUE INC COM 49177J102   284,317 15,579 SH   SOLE   0 0 15,579
KIMBERLY-CLARK CORP COM 494368103   317,258 2,227 SH   SOLE   0 0 2,227
KINDER MORGAN INC DEL COM 49456B101   297,135 14,681 SH   SOLE   0 0 14,681
KRAFT HEINZ CO COM 500754106   295,987 9,013 SH   SOLE   0 0 9,013
LAMAR ADVERTISING CO NEW CL A 512816109   360,658 2,996 SH   SOLE   0 0 2,996
ELI LILLY & CO COM 532457108   398,496 423 SH   SOLE   0 0 423
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   38,903 12,797 SH   SOLE   0 0 12,797
MARKEL GROUP INC COM 570535104   333,357 207 SH   SOLE   0 0 207
MCDONALDS CORP COM 580135101   434,786 1,690 SH   SOLE   0 0 1,690
MERCADOLIBRE INC COM 58733R102   356,129 207 SH   SOLE   0 0 207
MERCK & CO INC COM 58933Y105   792,167 6,315 SH   SOLE   0 0 6,315
MICROSOFT CORP COM 594918104   3,902,932 8,682 SH   SOLE   0 0 8,682
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   65,223 14,891 SH   SOLE   0 0 14,891
MONDELEZ INTL INC CL A 609207105   228,167 3,466 SH   SOLE   0 0 3,466
MOSAIC CO NEW COM 61945C103   301,523 10,125 SH   SOLE   0 0 10,125
NETFLIX INC COM 64110L106   709,482 1,081 SH   SOLE   0 0 1,081
NEWMONT CORP COM 651639106   411,880 8,524 SH   SOLE   0 0 8,524
GEN DIGITAL INC COM 668771108   384,851 15,045 SH   SOLE   0 0 15,045
NOVARTIS AG SPONSORED ADR 66987V109   417,803 3,780 SH   SOLE   0 0 3,780
NOVO-NORDISK A S ADR 670100205   222,997 1,583 SH   SOLE   0 0 1,583
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101   373,218 27,422 SH   SOLE   0 0 27,422
NVIDIA CORPORATION COM 67066G104   8,647,703 68,437 SH   SOLE   0 0 68,437
PACKAGING CORP AMER COM 695156109   370,501 1,940 SH   SOLE   0 0 1,940
PAYCHEX INC COM 704326107   336,923 2,711 SH   SOLE   0 0 2,711
PEPSICO INC COM 713448108   291,236 1,768 SH   SOLE   0 0 1,768
PINNACLE WEST CAP CORP COM 723484101   293,766 3,647 SH   SOLE   0 0 3,647
PROCTER AND GAMBLE CO COM 742718109   588,727 3,526 SH   SOLE   0 0 3,526
PROGRESSIVE CORP COM 743315103   303,240 1,444 SH   SOLE   0 0 1,444
PRUDENTIAL FINL INC COM 744320102   442,693 3,499 SH   SOLE   0 0 3,499
PUBLIC STORAGE OPER CO COM 74460D109   337,743 1,105 SH   SOLE   0 0 1,105
QUALCOMM INC COM 747525103   287,836 1,373 SH   SOLE   0 0 1,373
RIO TINTO PLC SPONSORED ADR 767204100   316,147 4,767 SH   SOLE   0 0 4,767
ROYAL BK CDA COM 780087102   214,005 1,936 SH   SOLE   0 0 1,936
SHELL PLC SPON ADS 780259305   379,608 5,223 SH   SOLE   0 0 5,223
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,545,266 4,506 SH   SOLE   0 0 4,506
SPDR GOLD TR GOLD SHS 78463V107   3,036,029 13,299 SH   SOLE   0 0 13,299
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   4,279,911 74,680 SH   SOLE   0 0 74,680
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,150,662 26,205 SH   SOLE   0 0 26,205
SPDR SER TR PORTFOLIO S&P500 78464A854   462,366 6,959 SH   SOLE   0 0 6,959
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   327,728 800 SH   SOLE   0 0 800
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,979,711 68,313 SH   SOLE   0 0 68,313
SPDR SER TR BLOOMBERG INVT 78468R200   6,744,213 219,324 SH   SOLE   0 0 219,324
SPDR SER TR S&P OILGAS EXP 78468R556   284,258 1,916 SH   SOLE   0 0 1,916
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   4,658,217 50,854 SH   SOLE   0 0 50,854
SALESFORCE INC COM 79466L302   1,184,395 4,626 SH   SOLE   0 0 4,626
SANOFI SPONSORED ADR 80105N105   326,426 6,522 SH   SOLE   0 0 6,522
SCHWAB CHARLES CORP COM 808513105   3,696,692 54,823 SH   SOLE   0 0 54,823
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   220,412 3,299 SH   SOLE   0 0 3,299
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   31,976,920 661,774 SH   SOLE   0 0 661,774
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   204,300 1,363 SH   SOLE   0 0 1,363
SOUTHERN CO COM 842587107   378,749 4,669 SH   SOLE   0 0 4,669
SPARTANNASH CO COM 847215100   249,847 13,081 SH   SOLE   0 0 13,081
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   314,966 1,693 SH   SOLE   0 0 1,693
TESLA INC COM 88160R101   703,488 2,742 SH   SOLE   0 0 2,742
TEXAS INSTRS INC COM 882508104   290,714 1,407 SH   SOLE   0 0 1,407
TIMKEN CO COM 887389104   330,730 3,763 SH   SOLE   0 0 3,763
TRAVELERS COMPANIES INC COM 89417E109   302,946 1,391 SH   SOLE   0 0 1,391
US BANCORP DEL COM NEW 902973304   375,714 8,679 SH   SOLE   0 0 8,679
UNILEVER PLC SPON ADR NEW 904767704   268,007 4,674 SH   SOLE   0 0 4,674
UNION PAC CORP COM 907818108   468,377 1,927 SH   SOLE   0 0 1,927
UNITED PARCEL SERVICE INC CL B 911312106   361,842 2,456 SH   SOLE   0 0 2,456
UNITEDHEALTH GROUP INC COM 91324P102   849,102 1,547 SH   SOLE   0 0 1,547
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   17,311,262 193,444 SH   SOLE   0 0 193,444
VANECK ETF TRUST VANECK VIETNAM 92189F817   421,312 34,142 SH   SOLE   0 0 34,142
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,857,923 30,758 SH   SOLE   0 0 30,758
VANGUARD STAR FDS VG TL INTL STK F 921909768   915,245 14,593 SH   SOLE   0 0 14,593
VANGUARD WORLD FD ESG INTL STK ETF 921910725   257,652 4,310 SH   SOLE   0 0 4,310
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   216,819 1,185 SH   SOLE   0 0 1,185
VANGUARD BD INDEX FDS INTERMED TERM 921937819   8,892,153 117,048 SH   SOLE   0 0 117,048
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   213,618 2,766 SH   SOLE   0 0 2,766
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   433,746 8,437 SH   SOLE   0 0 8,437
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   573,449 4,891 SH   SOLE   0 0 4,891
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,983,291 48,906 SH   SOLE   0 0 48,906
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   811,671 17,874 SH   SOLE   0 0 17,874
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   874,383 11,278 SH   SOLE   0 0 11,278
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   878,842 12,735 SH   SOLE   0 0 12,735
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,231,912 20,915 SH   SOLE   0 0 20,915
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   328,033 632 SH   SOLE   0 0 632
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   600,939 3,806 SH   SOLE   0 0 3,806
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,954,979 15,060 SH   SOLE   0 0 15,060
VANGUARD INDEX FDS MID CAP ETF 922908629   333,260 1,315 SH   SOLE   0 0 1,315
VANGUARD INDEX FDS GROWTH ETF 922908736   1,238,140 3,200 SH   SOLE   0 0 3,200
VANGUARD INDEX FDS VALUE ETF 922908744   863,627 5,164 SH   SOLE   0 0 5,164
VANGUARD INDEX FDS SMALL CP ETF 922908751   453,076 1,933 SH   SOLE   0 0 1,933
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,265,835 26,033 SH   SOLE   0 0 26,033
VERIZON COMMUNICATIONS INC COM 92343V104   263,200 6,350 SH   SOLE   0 0 6,350
VISA INC COM CL A 92826C839   1,376,406 5,112 SH   SOLE   0 0 5,112
VISTRA CORP COM 92840M102   230,904 2,689 SH   SOLE   0 0 2,689
WEC ENERGY GROUP INC COM 92939U106   210,591 2,606 SH   SOLE   0 0 2,606
WALMART INC COM 931142103   200,521 2,865 SH   SOLE   0 0 2,865
WASTE MGMT INC DEL COM 94106L109   445,977 2,019 SH   SOLE   0 0 2,019
WATSCO INC COM 942622200   421,631 811 SH   SOLE   0 0 811
WELLS FARGO CO NEW COM 949746101   756,569 12,559 SH   SOLE   0 0 12,559