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
ASML HOLDING N V N Y REGISTRY SHS N07059210   235,526 346 SH   SOLE   0 0 346
ABBVIE INC COM 00287Y109   385,357 2,418 SH   SOLE   0 0 2,418
ADOBE SYSTEMS INCORPORATED COM 00724F101   297,891 773 SH   SOLE   0 0 773
AFFIRM HLDGS INC COM CL A 00827B106   129,774 11,515 SH   SOLE   0 0 11,515
ALPHABET INC CAP STK CL C 02079K107   647,792 6,229 SH   SOLE   0 0 6,229
ALPHABET INC CAP STK CL A 02079K305   559,935 5,398 SH   SOLE   0 0 5,398
AMAZON COM INC COM 023135106   1,408,296 13,634 SH   SOLE   0 0 13,634
AMBEV SA SPONSORED ADR 02319V103   33,685 11,945 SH   SOLE   0 0 11,945
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   663,602 11,481 SH   SOLE   0 0 11,481
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   753,106 14,735 SH   SOLE   0 0 14,735
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   220,194 5,311 SH   SOLE   0 0 5,311
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   380,942 7,905 SH   SOLE   0 0 7,905
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,576,144 162,151 SH   SOLE   0 0 162,151
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   36,953,736 647,970 SH   SOLE   0 0 647,970
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   13,673,865 233,821 SH   SOLE   0 0 233,821
AMERICAN CENTY ETF TR US SML CP VALU 025072877   30,940,915 417,782 SH   SOLE   0 0 417,782
AMERICAN CENTY ETF TR US EQT ETF 025072885   35,339,854 498,587 SH   SOLE   0 0 498,587
ANALOG DEVICES INC COM 032654105   207,081 1,050 SH   SOLE   0 0 1,050
APPLE INC COM 037833100   16,005,159 97,059 SH   SOLE   0 0 97,059
AQUA METALS INC COM 03837J101   20,000 20,000 SH   SOLE   0 0 20,000
ASHLAND INC COM 044186104   236,233 2,300 SH   SOLE   0 0 2,300
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   72,234 10,246 SH   SOLE   0 0 10,246
BANK AMERICA CORP COM 060505104   436,769 15,272 SH   SOLE   0 0 15,272
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   360,335 1,167 SH   SOLE   0 0 1,167
CHEVRON CORP NEW COM 166764100   388,522 2,381 SH   SOLE   0 0 2,381
CISCO SYS INC COM 17275R102   390,820 7,476 SH   SOLE   0 0 7,476
COMCAST CORP NEW CL A 20030N101   276,667 7,298 SH   SOLE   0 0 7,298
CONOCOPHILLIPS COM 20825C104   288,151 2,887 SH   SOLE   0 0 2,887
COSTCO WHSL CORP NEW COM 22160K105   306,842 618 SH   SOLE   0 0 618
DANAHER CORPORATION COM 235851102   312,107 1,237 SH   SOLE   0 0 1,237
DEERE & CO COM 244199105   213,514 516 SH   SOLE   0 0 516
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,786,760 66,299 SH   SOLE   0 0 66,299
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   986,050 42,835 SH   SOLE   0 0 42,835
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   955,908 21,515 SH   SOLE   0 0 21,515
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   808,019 15,332 SH   SOLE   0 0 15,332
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,824,889 41,009 SH   SOLE   0 0 41,009
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,568,205 100,793 SH   SOLE   0 0 100,793
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   13,161,316 393,110 SH   SOLE   0 0 393,110
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   328,274 14,279 SH   SOLE   0 0 14,279
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   889,255 37,356 SH   SOLE   0 0 37,356
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   442,940 18,406 SH   SOLE   0 0 18,406
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,707,023 146,045 SH   SOLE   0 0 146,045
ENEL CHILE S.A. SPONSORED ADR 29278D105   42,614 15,783 SH   SOLE   0 0 15,783
EXXON MOBIL CORP COM 30231G102   1,051,260 9,587 SH   SOLE   0 0 9,587
META PLATFORMS INC CL A 30303M102   879,707 4,151 SH   SOLE   0 0 4,151
FTC SOLAR INC COM 30320C103   136,148 60,510 SH   SOLE   0 0 60,510
GLOBAL X FDS US INFR DEV ETF 37954Y673   258,580 9,121 SH   SOLE   0 0 9,121
INTEL CORP COM 458140100   539,709 16,520 SH   SOLE   0 0 16,520
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   231,257 10,114 SH   SOLE   0 0 10,114
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   1,429,166 63,575 SH   SOLE   0 0 63,575
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   4,504,240 200,598 SH   SOLE   0 0 200,598
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   4,703,902 199,699 SH   SOLE   0 0 199,699
ISHARES GOLD TR ISHARES NEW 464285204   419,815 11,234 SH   SOLE   0 0 11,234
ISHARES TR TIPS BD ETF 464287176   1,081,883 9,813 SH   SOLE   0 0 9,813
ISHARES TR CORE S&P500 ETF 464287200   1,600,228 3,893 SH   SOLE   0 0 3,893
ISHARES TR ISHARES SEMICDTR 464287523   856,879 1,927 SH   SOLE   0 0 1,927
ISHARES TR ISHARES BIOTECH 464287556   253,799 1,965 SH   SOLE   0 0 1,965
ISHARES TR RUS 1000 ETF 464287622   221,852 985 SH   SOLE   0 0 985
ISHARES TR CORE S&P SCP ETF 464287804   264,458 2,735 SH   SOLE   0 0 2,735
ISHARES TR EAFE SML CP ETF 464288273   202,810 3,408 SH   SOLE   0 0 3,408
ISHARES TR RUS TP200 GR ETF 464289438   697,984 5,024 SH   SOLE   0 0 5,024
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,648,310 16,611 SH   SOLE   0 0 16,611
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,553,721 61,680 SH   SOLE   0 0 61,680
ISHARES TR IBONDS 23 TRM HG 46435U150   3,894,698 164,960 SH   SOLE   0 0 164,960
ISHARES TR IBONDS 25 TRM HG 46435U168   755,961 32,997 SH   SOLE   0 0 32,997
ISHARES TR IBONDS 24 TRM HG 46435U184   2,752,995 119,023 SH   SOLE   0 0 119,023
ISHARES TR US INFRASTRUC 46435U713   652,392 17,481 SH   SOLE   0 0 17,481
JPMORGAN CHASE & CO COM 46625H100   708,496 5,437 SH   SOLE   0 0 5,437
JOHNSON & JOHNSON COM 478160104   989,210 6,382 SH   SOLE   0 0 6,382
KLA CORP COM NEW 482480100   5,674,601 14,216 SH   SOLE   0 0 14,216
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   71,693 30,902 SH   SOLE   0 0 30,902
MARATHON PETE CORP COM 56585A102   223,144 1,655 SH   SOLE   0 0 1,655
MARQETA INC CLASS A COM 57142B104   2,253,549 493,118 SH   SOLE   0 0 493,118
MARRIOTT INTL INC NEW CL A 571903202   245,301 1,477 SH   SOLE   0 0 1,477
MASTERCARD INCORPORATED CL A 57636Q104   306,864 844 SH   SOLE   0 0 844
MERCK & CO INC COM 58933Y105   203,532 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104   2,358,266 8,180 SH   SOLE   0 0 8,180
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   125,733 44,586 SH   SOLE   0 0 44,586
MORGAN STANLEY COM NEW 617446448   208,086 2,370 SH   SOLE   0 0 2,370
NOVO-NORDISK A S ADR 670100205   340,200 2,122 SH   SOLE   0 0 2,122
NVIDIA CORPORATION COM 67066G104   413,539 1,489 SH   SOLE   0 0 1,489
OMNIAB INC COM 68218J103   75,109 20,410 SH   SOLE   0 0 20,410
ORACLE CORP COM 68389X105   245,773 2,645 SH   SOLE   0 0 2,645
PEPSICO INC COM 713448108   247,563 1,358 SH   SOLE   0 0 1,358
PORCH GROUP INC COM 733245104   208,280 145,650 SH   SOLE   0 0 145,650
PUBLIC STORAGE COM 74460D109   668,636 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   771,857 1,878 SH   SOLE   0 0 1,878
SPDR GOLD TR GOLD SHS 78463V107   315,138 1,720 SH   SOLE   0 0 1,720
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   409,671 13,228 SH   SOLE   0 0 13,228
SPDR SER TR S&P 600 SMCP VAL 78464A300   202,486 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   1,165,916 5,836 SH   SOLE   0 0 5,836
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   776,761 11,919 SH   SOLE   0 0 11,919
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,502,719 68,660 SH   SOLE   0 0 68,660
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   227,051 7,261 SH   SOLE   0 0 7,261
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   441,202 9,065 SH   SOLE   0 0 9,065
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   297,549 5,498 SH   SOLE   0 0 5,498
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   215,482 6,192 SH   SOLE   0 0 6,192
SNOWFLAKE INC CL A 833445109   4,656,472 30,180 SH   SOLE   0 0 30,180
SORRENTO THERAPEUTICS INC COM NEW 83587F202   3,600 10,000 SH   SOLE   0 0 10,000
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   155,912 19,489 SH   SOLE   0 0 19,489
TESLA INC COM 88160R101   935,022 4,507 SH   SOLE   0 0 4,507
VALVOLINE INC COM 92047W101   222,498 6,368 SH   SOLE   0 0 6,368
VANGUARD STAR FDS VG TL INTL STK F 921909768   208,031 3,768 SH   SOLE   0 0 3,768
VANGUARD BD INDEX FDS INTERMED TERM 921937819   590,745 7,698 SH   SOLE   0 0 7,698
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   553,908 2,323 SH   SOLE   0 0 2,323
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   257,729 2,359 SH   SOLE   0 0 2,359
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   837,713 15,667 SH   SOLE   0 0 15,667
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   293,788 7,272 SH   SOLE   0 0 7,272
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,973,212 7,906 SH   SOLE   0 0 7,906
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   452,817 5,453 SH   SOLE   0 0 5,453
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,747,948 17,309 SH   SOLE   0 0 17,309
VANGUARD INDEX FDS SMALL CP ETF 922908751   962,017 5,075 SH   SOLE   0 0 5,075
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,075,619 15,069 SH   SOLE   0 0 15,069
VISA INC COM CL A 92826C839   917,246 4,068 SH   SOLE   0 0 4,068
WIPRO LTD SPON ADR 1 SH 97651M109   48,155 10,725 SH   SOLE   0 0 10,725