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
UBS GROUP AG SHS H42097107   252,170 10,230 SH   SOLE   0 0 10,230
ASML HOLDING N V N Y REGISTRY SHS N07059210   203,676 346 SH   SOLE   0 0 346
ABBVIE INC COM 00287Y109   347,161 2,329 SH   SOLE   0 0 2,329
ADOBE INC COM 00724F101   370,187 726 SH   SOLE   0 0 726
ALPHABET INC CAP STK CL C 02079K107   403,599 3,061 SH   SOLE   0 0 3,061
ALPHABET INC CAP STK CL A 02079K305   952,661 7,280 SH   SOLE   0 0 7,280
AMAZON COM INC COM 023135106   1,955,790 15,385 SH   SOLE   0 0 15,385
AMBEV SA SPONSORED ADR 02319V103   85,045 32,963 SH   SOLE   0 0 32,963
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   670,258 11,397 SH   SOLE   0 0 11,397
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   956,880 18,164 SH   SOLE   0 0 18,164
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   263,103 7,003 SH   SOLE   0 0 7,003
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   369,734 7,680 SH   SOLE   0 0 7,680
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562   268,890 6,785 SH   SOLE   0 0 6,785
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   8,437,445 159,830 SH   SOLE   0 0 159,830
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   40,117,137 720,883 SH   SOLE   0 0 720,883
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   15,980,568 276,241 SH   SOLE   0 0 276,241
AMERICAN CENTY ETF TR US SML CP VALU 025072877   35,886,117 460,374 SH   SOLE   0 0 460,374
AMERICAN CENTY ETF TR US EQT ETF 025072885   42,026,095 573,657 SH   SOLE   0 0 573,657
APPLE INC COM 037833100   16,061,228 93,810 SH   SOLE   0 0 93,810
AQUA METALS INC COM 03837J101   22,600 20,000 SH   SOLE   0 0 20,000
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   82,577 10,258 SH   SOLE   0 0 10,258
BANK AMERICA CORP COM 060505104   422,026 15,414 SH   SOLE   0 0 15,414
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   383,929 1,096 SH   SOLE   0 0 1,096
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   86,011 18,945 SH   SOLE   0 0 18,945
BROADCOM INC COM 11135F101   260,802 314 SH   SOLE   0 0 314
CHEVRON CORP NEW COM 166764100   394,347 2,339 SH   SOLE   0 0 2,339
CISCO SYS INC COM 17275R102   387,137 7,201 SH   SOLE   0 0 7,201
COMCAST CORP NEW CL A 20030N101   332,683 7,503 SH   SOLE   0 0 7,503
CONOCOPHILLIPS COM 20825C104   354,458 2,944 SH   SOLE   0 0 2,944
COSTCO WHSL CORP NEW COM 22160K105   366,000 648 SH   SOLE   0 0 648
DANAHER CORPORATION COM 235851102   275,143 1,109 SH   SOLE   0 0 1,109
DEERE & CO COM 244199105   205,912 544 SH   SOLE   0 0 544
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,981,139 114,176 SH   SOLE   0 0 114,176
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,006,649 44,601 SH   SOLE   0 0 44,601
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,645,029 35,339 SH   SOLE   0 0 35,339
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   646,164 12,310 SH   SOLE   0 0 12,310
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,873,497 41,005 SH   SOLE   0 0 41,005
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,547,038 97,215 SH   SOLE   0 0 97,215
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   12,780,713 375,682 SH   SOLE   0 0 375,682
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   313,281 14,279 SH   SOLE   0 0 14,279
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   864,882 36,370 SH   SOLE   0 0 36,370
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   418,058 17,904 SH   SOLE   0 0 17,904
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,654,988 142,704 SH   SOLE   0 0 142,704
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   375,650 14,824 SH   SOLE   0 0 14,824
ELANCO ANIMAL HEALTH INC COM 28414H103   155,607 13,844 SH   SOLE   0 0 13,844
ENEL CHILE S.A. SPONSORED ADR 29278D105   71,857 24,276 SH   SOLE   0 0 24,276
EXXON MOBIL CORP COM 30231G102   1,103,314 9,384 SH   SOLE   0 0 9,384
META PLATFORMS INC CL A 30303M102   1,195,958 3,984 SH   SOLE   0 0 3,984
FTC SOLAR INC COM 30320C103   77,453 60,510 SH   SOLE   0 0 60,510
GILEAD SCIENCES INC COM 375558103   1,012,814 13,515 SH   SOLE   0 0 13,515
GLOBAL X FDS US INFR DEV ETF 37954Y673   273,450 9,001 SH   SOLE   0 0 9,001
HSBC HLDGS PLC SPON ADR NEW 404280406   258,187 6,543 SH   SOLE   0 0 6,543
HEWLETT PACKARD ENTERPRISE C COM 42824C109   300,527 17,267 SH   SOLE   0 0 17,267
HOME DEPOT INC COM 437076102   273,757 906 SH   SOLE   0 0 906
INTEL CORP COM 458140100   553,443 15,568 SH   SOLE   0 0 15,568
INVESCO QQQ TR UNIT SER 1 46090E103   416,214 1,160 SH   SOLE   0 0 1,160
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   278,688 12,315 SH   SOLE   0 0 12,315
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   1,461,267 65,003 SH   SOLE   0 0 65,003
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   4,309,089 191,652 SH   SOLE   0 0 191,652
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   4,016,149 170,864 SH   SOLE   0 0 170,864
ISHARES GOLD TR ISHARES NEW 464285204   393,638 11,250 SH   SOLE   0 0 11,250
ISHARES TR TIPS BD ETF 464287176   431,890 4,164 SH   SOLE   0 0 4,164
ISHARES TR CORE S&P500 ETF 464287200   1,627,641 3,773 SH   SOLE   0 0 3,773
ISHARES TR ISHARES SEMICDTR 464287523   982,824 2,070 SH   SOLE   0 0 2,070
ISHARES TR ISHARES BIOTECH 464287556   240,601 1,965 SH   SOLE   0 0 1,965
ISHARES TR RUS 1000 ETF 464287622   216,099 916 SH   SOLE   0 0 916
ISHARES TR CORE S&P SCP ETF 464287804   260,749 2,751 SH   SOLE   0 0 2,751
ISHARES TR RUS TP200 GR ETF 464289438   772,842 5,024 SH   SOLE   0 0 5,024
ISHARES TR MSCI INDIA ETF 46429B598   247,676 5,601 SH   SOLE   0 0 5,601
ISHARES TR 0-5 YR TIPS ETF 46429B747   700,732 7,230 SH   SOLE   0 0 7,230
ISHARES INC MSCI EMRG CHN 46434G764   1,491,113 29,924 SH   SOLE   0 0 29,924
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,529,683 60,319 SH   SOLE   0 0 60,319
ISHARES TR IBONDS 23 TRM HG 46435U150   3,366,465 142,406 SH   SOLE   0 0 142,406
ISHARES TR IBONDS 25 TRM HG 46435U168   756,621 32,997 SH   SOLE   0 0 32,997
ISHARES TR IBONDS 24 TRM HG 46435U184   2,644,165 113,973 SH   SOLE   0 0 113,973
ISHARES TR US INFRASTRUC 46435U713   599,677 16,290 SH   SOLE   0 0 16,290
JPMORGAN CHASE & CO COM 46625H100   814,723 5,618 SH   SOLE   0 0 5,618
JOHNSON & JOHNSON COM 478160104   974,839 6,259 SH   SOLE   0 0 6,259
KLA CORP COM NEW 482480100   6,514,348 14,203 SH   SOLE   0 0 14,203
MARATHON PETE CORP COM 56585A102   234,426 1,549 SH   SOLE   0 0 1,549
MARQETA INC CLASS A COM 57142B104   2,954,479 494,060 SH   SOLE   0 0 494,060
MARRIOTT INTL INC NEW CL A 571903202   233,710 1,189 SH   SOLE   0 0 1,189
MASTERCARD INCORPORATED CL A 57636Q104   344,168 869 SH   SOLE   0 0 869
MICROSOFT CORP COM 594918104   3,013,019 9,542 SH   SOLE   0 0 9,542
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   171,243 49,925 SH   SOLE   0 0 49,925
NOMURA HLDGS INC SPONSORED ADR 65535H208   122,280 30,418 SH   SOLE   0 0 30,418
NOVO-NORDISK A S ADR 670100205   385,949 4,244 SH   SOLE   0 0 4,244
NVIDIA CORPORATION COM 67066G104   625,065 1,437 SH   SOLE   0 0 1,437
ORACLE CORP COM 68389X105   280,158 2,645 SH   SOLE   0 0 2,645
PEPSICO INC COM 713448108   240,435 1,419 SH   SOLE   0 0 1,419
PHILLIPS 66 COM 718546104   215,189 1,791 SH   SOLE   0 0 1,791
PORCH GROUP INC COM 733245104   116,899 145,650 SH   SOLE   0 0 145,650
PUBLIC STORAGE COM 74460D109   583,170 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   790,907 1,843 SH   SOLE   0 0 1,843
SPDR GOLD TR GOLD SHS 78463V107   397,250 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   498,702 17,114 SH   SOLE   0 0 17,114
SALESFORCE INC COM 79466L302   1,208,366 5,959 SH   SOLE   0 0 5,959
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,545,448 35,003 SH   SOLE   0 0 35,003
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,289,462 66,544 SH   SOLE   0 0 66,544
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   232,707 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   440,386 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   304,392 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   210,280 6,192 SH   SOLE   0 0 6,192
SNOWFLAKE INC CL A 833445109   3,694,132 24,181 SH   SOLE   0 0 24,181
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   219,822 22,317 SH   SOLE   0 0 22,317
TESLA INC COM 88160R101   1,100,468 4,398 SH   SOLE   0 0 4,398
UNITEDHEALTH GROUP INC COM 91324P102   316,649 628 SH   SOLE   0 0 628
VALVOLINE INC COM 92047W101   205,304 6,368 SH   SOLE   0 0 6,368
VANGUARD STAR FDS VG TL INTL STK F 921909768   385,451 7,202 SH   SOLE   0 0 7,202
VANGUARD BD INDEX FDS INTERMED TERM 921937819   618,757 8,557 SH   SOLE   0 0 8,557
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   550,855 2,334 SH   SOLE   0 0 2,334
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   262,824 2,475 SH   SOLE   0 0 2,475
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   925,577 17,844 SH   SOLE   0 0 17,844
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   389,474 9,933 SH   SOLE   0 0 9,933
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,409,712 8,653 SH   SOLE   0 0 8,653
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   495,521 6,487 SH   SOLE   0 0 6,487
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,756,146 17,281 SH   SOLE   0 0 17,281
VANGUARD INDEX FDS GROWTH ETF 922908736   220,026 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS SMALL CP ETF 922908751   879,365 4,651 SH   SOLE   0 0 4,651
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,166,826 14,909 SH   SOLE   0 0 14,909
VERIZON COMMUNICATIONS INC COM 92343V104   223,305 6,890 SH   SOLE   0 0 6,890
VISA INC COM CL A 92826C839   912,772 3,968 SH   SOLE   0 0 3,968
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   107,446 11,334 SH   SOLE   0 0 11,334
WIPRO LTD SPON ADR 1 SH 97651M109   71,603 14,794 SH   SOLE   0 0 14,794