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
AFFIRM HLDGS INC COM CL A 00827B106 44,940 2,488,387 SH   SOLE   0 0 2,488,387
ISHARES TR MSCI ACWI ETF 464288257 31,994 381,384 SH   SOLE   0 0 381,384
ISHARES TR MSCI EMG MKT ETF 464287234 10,213 254,681 SH   SOLE   0 0 254,681
GITLAB INC CLASS A COM 37637K108 7,521 141,532 SH   SOLE   0 0 141,532
COINBASE GLOBAL INC COM CL A 19260Q107 7,411 157,616 SH   SOLE   0 0 157,616
SPDR GOLD TR GOLD SHS 78463V107 7,138 42,375 SH   SOLE   0 0 42,375
ISHARES TR RUS MID CAP ETF 464287499 5,756 89,026 SH   SOLE   0 0 89,026
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,906 117,782 SH   SOLE   0 0 117,782
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,687 30,565 SH   SOLE   0 0 30,565
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,678 12,348 SH   SOLE   0 0 12,348
ISHARES GOLD TR ISHARES NEW 464285204 3,911 113,987 SH   SOLE   0 0 113,987
ISHARES TR RUS 1000 GRW ETF 464287614 3,019 13,805 SH   SOLE   0 0 13,805
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,799 28,243 SH   SOLE   0 0 28,243
APPLE INC COM 037833100 2,780 20,333 SH   SOLE   0 0 20,333
ORACLE CORP COM 68389X105 2,490 35,633 SH   SOLE   0 0 35,633
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,221 26,030 SH   SOLE   0 0 26,030
MICROSOFT CORP COM 594918104 2,183 8,499 SH   SOLE   0 0 8,499
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100 2,167 910,302 SH   SOLE   0 0 910,302
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,072 21,561 SH   SOLE   0 0 21,561
DISNEY WALT CO COM 254687106 1,921 20,350 SH   SOLE   0 0 20,350
ALPHABET INC CAP STK CL A 02079K305 1,846 847 SH   SOLE   0 0 847
DOCUSIGN INC COM 256163106 1,686 29,382 SH   SOLE   0 0 29,382
INVESCO QQQ TR UNIT SER 1 46090E103 1,679 5,978 SH   SOLE   0 0 5,978
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,649 32,560 SH   SOLE   0 0 32,560
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,647 6,034 SH   SOLE   0 0 6,034
META PLATFORMS INC CL A 30303M102 1,646 10,210 SH   SOLE   0 0 10,210
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,536 10,361 SH   SOLE   0 0 10,361
GENERAL DYNAMICS CORP COM 369550108 1,503 6,754 SH   SOLE   0 0 6,754
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,463 4,200 SH   SOLE   0 0 4,200
UNILEVER PLC SPON ADR NEW 904767704 1,455 31,740 SH   SOLE   0 0 31,740
NOVO-NORDISK A S ADR 670100205 1,451 13,022 SH   SOLE   0 0 13,022
NIKE INC CL B 654106103 1,375 13,412 SH   SOLE   0 0 13,412
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 1,312 12,837 SH   SOLE   0 0 12,837
HOME DEPOT INC COM 437076102 1,306 4,761 SH   SOLE   0 0 4,761
INTUIT COM 461202103 1,291 3,349 SH   SOLE   0 0 3,349
ISHARES TR MSCI EAFE ETF 464287465 1,260 20,165 SH   SOLE   0 0 20,165
MEDTRONIC PLC SHS G5960L103 1,230 13,607 SH   SOLE   0 0 13,607
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 1,129 9,413 SH   SOLE   0 0 9,413
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,111 3,034 SH   SOLE   0 0 3,034
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,108 3,989 SH   SOLE   0 0 3,989
STARBUCKS CORP COM 855244109 1,046 13,695 SH   SOLE   0 0 13,695
VISA INC COM CL A 92826C839 1,019 5,175 SH   SOLE   0 0 5,175
BECTON DICKINSON & CO COM 075887109 964 3,912 SH   SOLE   0 0 3,912
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 866 12,834 SH   SOLE   0 0 12,834
CISCO SYS INC COM 17275R102 856 20,083 SH   SOLE   0 0 20,083
JOHNSON & JOHNSON COM 478160104 847 4,774 SH   SOLE   0 0 4,774
PALO ALTO NETWORKS INC COM 697435105 841 1,702 SH   SOLE   0 0 1,702
BIOGEN INC COM 09062X103 836 4,097 SH   SOLE   0 0 4,097
WALMART INC COM 931142103 823 6,771 SH   SOLE   0 0 6,771
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 703 17,233 SH   SOLE   0 0 17,233
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 682 17,135 SH   SOLE   0 0 17,135
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 628 4,851 SH   SOLE   0 0 4,851
PEPSICO INC COM 713448108 621 3,729 SH   SOLE   0 0 3,729
ALPHABET INC CAP STK CL C 02079K107 575 263 SH   SOLE   0 0 263
3M CO COM 88579Y101 560 4,329 SH   SOLE   0 0 4,329
PROCTER AND GAMBLE CO COM 742718109 553 3,845 SH   SOLE   0 0 3,845
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 501 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 491 2,601 SH   SOLE   0 0 2,601
ISHARES TR CORE US AGGBD ET 464287226 442 4,345 SH   SOLE   0 0 4,345
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 413 22,723 SH   SOLE   0 0 22,723
ISHARES TR NATIONAL MUN ETF 464288414 411 3,865 SH   SOLE   0 0 3,865
PALANTIR TECHNOLOGIES INC CL A 69608A108 392 43,221 SH   SOLE   0 0 43,221
AMAZON COM INC COM 023135106 389 3,660 SH   SOLE   0 0 3,660
ISHARES TR COHEN STEER REIT 464287564 354 5,822 SH   SOLE   0 0 5,822
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 351 7,940 SH   SOLE   0 0 7,940
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 345 11,844 SH   SOLE   0 0 11,844
WISDOMTREE TR EMER MKT HIGH FD 97717W315 324 8,738 SH   SOLE   0 0 8,738
VANGUARD INDEX FDS LARGE CAP ETF 922908637 313 1,815 SH   SOLE   0 0 1,815
COSTCO WHSL CORP NEW COM 22160K105 312 650 SH   SOLE   0 0 650
ISHARES TR GLOBAL REIT ETF 46434V647 302 12,496 SH   SOLE   0 0 12,496
THERMO FISHER SCIENTIFIC INC COM 883556102 299 550 SH   SOLE   0 0 550
GOLDMAN SACHS BDC INC SHS 38147U107 281 16,276 SH   SOLE   0 0 16,276
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 271 5,462 SH   SOLE   0 0 5,462
WORKDAY INC CL A 98138H101 259 1,852 SH   SOLE   0 0 1,852
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 258 4,105 SH   SOLE   0 0 4,105
ISHARES TR TIPS BD ETF 464287176 257 2,258 SH   SOLE   0 0 2,258
COCA COLA CO COM 191216100 253 3,997 SH   SOLE   0 0 3,997
ISHARES TR RUS 2000 VAL ETF 464287630 242 1,778 SH   SOLE   0 0 1,778
ISHARES TR 3 7 YR TREAS BD 464288661 233 1,955 SH   SOLE   0 0 1,955
SCHWAB CHARLES CORP COM 808513105 211 3,335 SH   SOLE   0 0 3,335
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 202 1,953 SH   SOLE   0 0 1,953
WEAVE COMMUNICATIONS INC COM 94724R108 95 31,372 SH   SOLE   0 0 31,372
TILRAY BRANDS INC COM CL 2 88688T100 53 17,070 SH   SOLE   0 0 17,070