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   321,301 10,459 SH   SOLE   0 0 10,459
ASML HOLDING N V N Y REGISTRY SHS N07059210   603,633 622 SH   SOLE   0 0 622
FERRARI N V COM N3167Y103   203,584 467 SH   SOLE   0 0 467
AT&T INC COM 00206R102   340,764 19,361 SH   SOLE   0 0 19,361
ABBVIE INC COM 00287Y109   428,481 2,353 SH   SOLE   0 0 2,353
ADOBE INC COM 00724F101   578,272 1,146 SH   SOLE   0 0 1,146
ALPHABET INC CAP STK CL C 02079K107   847,355 5,565 SH   SOLE   0 0 5,565
ALPHABET INC CAP STK CL A 02079K305   1,471,417 9,749 SH   SOLE   0 0 9,749
AMAZON COM INC COM 023135106   3,075,453 17,049 SH   SOLE   0 0 17,049
AMBEV SA SPONSORED ADR 02319V103   56,896 22,942 SH   SOLE   0 0 22,942
AMERICAN CENTY ETF TR AVANTIS MODERAT 025072182   223,499 3,930 SH   SOLE   0 0 3,930
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   860,595 12,326 SH   SOLE   0 0 12,326
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   1,491,613 23,212 SH   SOLE   0 0 23,212
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   387,930 9,175 SH   SOLE   0 0 9,175
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   424,109 7,842 SH   SOLE   0 0 7,842
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   9,237,356 159,375 SH   SOLE   0 0 159,375
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   46,734,436 733,204 SH   SOLE   0 0 733,204
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   18,479,212 280,583 SH   SOLE   0 0 280,583
AMERICAN CENTY ETF TR US SML CP VALU 025072877   42,774,513 456,456 SH   SOLE   0 0 456,456
AMERICAN CENTY ETF TR US EQT ETF 025072885   51,885,702 579,728 SH   SOLE   0 0 579,728
ANALOG DEVICES INC COM 032654105   206,888 1,046 SH   SOLE   0 0 1,046
ELEVANCE HEALTH INC COM 036752103   207,934 401 SH   SOLE   0 0 401
APPLE INC COM 037833100   17,263,186 100,672 SH   SOLE   0 0 100,672
APPLIED MATLS INC COM 038222105   222,110 1,077 SH   SOLE   0 0 1,077
AQUA METALS INC COM 03837J101   10,760 20,000 SH   SOLE   0 0 20,000
ASHLAND INC COM 044186104   223,951 2,300 SH   SOLE   0 0 2,300
BACKBLAZE INC COM CL A 05637B105   219,976 21,503 SH   SOLE   0 0 21,503
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   223,137 18,846 SH   SOLE   0 0 18,846
BANK AMERICA CORP COM 060505104   347,074 9,153 SH   SOLE   0 0 9,153
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   934,396 2,222 SH   SOLE   0 0 2,222
BRANDYWINE RLTY TR SH BEN INT NEW 105368203   78,158 16,283 SH   SOLE   0 0 16,283
BROADCOM INC COM 11135F101   284,963 215 SH   SOLE   0 0 215
CADENCE DESIGN SYSTEM INC COM 127387108   1,072,671 3,446 SH   SOLE   0 0 3,446
CATERPILLAR INC COM 149123101   218,734 597 SH   SOLE   0 0 597
CHEVRON CORP NEW COM 166764100   346,713 2,198 SH   SOLE   0 0 2,198
CISCO SYS INC COM 17275R102   351,658 7,046 SH   SOLE   0 0 7,046
COMCAST CORP NEW CL A 20030N101   339,778 7,838 SH   SOLE   0 0 7,838
CONOCOPHILLIPS COM 20825C104   374,458 2,942 SH   SOLE   0 0 2,942
COSTCO WHSL CORP NEW COM 22160K105   473,187 646 SH   SOLE   0 0 646
D R HORTON INC COM 23331A109   229,218 1,393 SH   SOLE   0 0 1,393
DANAHER CORPORATION COM 235851102   276,239 1,105 SH   SOLE   0 0 1,105
DEERE & CO COM 244199105   218,675 530 SH   SOLE   0 0 530
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,801,737 125,802 SH   SOLE   0 0 125,802
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,081,868 43,765 SH   SOLE   0 0 43,765
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,341,893 41,100 SH   SOLE   0 0 41,100
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   766,785 12,300 SH   SOLE   0 0 12,300
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,609,861 47,949 SH   SOLE   0 0 47,949
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   672,106 22,411 SH   SOLE   0 0 22,411
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,062,992 95,868 SH   SOLE   0 0 95,868
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   15,199,805 371,633 SH   SOLE   0 0 371,633
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   357,832 14,279 SH   SOLE   0 0 14,279
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   1,016,835 37,397 SH   SOLE   0 0 37,397
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   518,762 19,393 SH   SOLE   0 0 19,393
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   5,938,780 161,600 SH   SOLE   0 0 161,600
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   781,513 25,964 SH   SOLE   0 0 25,964
ELANCO ANIMAL HEALTH INC COM 28414H103   170,712 10,486 SH   SOLE   0 0 10,486
ENEL CHILE S.A. SPONSORED ADR 29278D105   48,138 15,783 SH   SOLE   0 0 15,783
EXXON MOBIL CORP COM 30231G102   1,109,113 9,542 SH   SOLE   0 0 9,542
META PLATFORMS INC CL A 30303M102   2,323,969 4,786 SH   SOLE   0 0 4,786
FTC SOLAR INC COM 30320C103   32,340 60,000 SH   SOLE   0 0 60,000
GILEAD SCIENCES INC COM 375558103   987,850 13,486 SH   SOLE   0 0 13,486
GLOBAL X FDS US INFR DEV ETF 37954Y673   540,182 13,569 SH   SOLE   0 0 13,569
GRAINGER W W INC COM 384802104   212,616 209 SH   SOLE   0 0 209
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   685,141 10,846 SH   SOLE   0 0 10,846
HEWLETT PACKARD ENTERPRISE C COM 42824C109   278,354 15,673 SH   SOLE   0 0 15,673
HOME DEPOT INC COM 437076102   413,499 1,078 SH   SOLE   0 0 1,078
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   216,381 5,812 SH   SOLE   0 0 5,812
INTEL CORP COM 458140100   689,185 15,603 SH   SOLE   0 0 15,603
INVESCO QQQ TR UNIT SER 1 46090E103   507,714 1,142 SH   SOLE   0 0 1,142
INTUIT COM 461202103   224,900 346 SH   SOLE   0 0 346
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   316,319 13,274 SH   SOLE   0 0 13,274
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635   537,081 23,170 SH   SOLE   0 0 23,170
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,774,166 164,452 SH   SOLE   0 0 164,452
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   4,425,939 194,718 SH   SOLE   0 0 194,718
ISHARES GOLD TR ISHARES NEW 464285204   472,613 11,250 SH   SOLE   0 0 11,250
ISHARES TR CORE S&P500 ETF 464287200   1,776,405 3,379 SH   SOLE   0 0 3,379
ISHARES TR CORE US AGGBD ET 464287226   360,909 3,685 SH   SOLE   0 0 3,685
ISHARES TR ISHARES SEMICDTR 464287523   1,387,375 6,141 SH   SOLE   0 0 6,141
ISHARES TR ISHARES BIOTECH 464287556   269,637 1,965 SH   SOLE   0 0 1,965
ISHARES TR RUS 1000 GRW ETF 464287614   278,403 826 SH   SOLE   0 0 826
ISHARES TR RUS 1000 ETF 464287622   256,059 889 SH   SOLE   0 0 889
ISHARES TR CORE S&P SCP ETF 464287804   287,444 2,601 SH   SOLE   0 0 2,601
ISHARES TR EAFE SML CP ETF 464288273   219,375 3,464 SH   SOLE   0 0 3,464
ISHARES TR CALIF MUN BD ETF 464288356   846,799 14,717 SH   SOLE   0 0 14,717
ISHARES TR ISHS 1-5YR INVS 464288646   510,133 9,948 SH   SOLE   0 0 9,948
ISHARES TR US HOME CONS ETF 464288752   437,148 3,776 SH   SOLE   0 0 3,776
ISHARES TR RUS TP200 GR ETF 464289438   1,215,668 6,231 SH   SOLE   0 0 6,231
ISHARES TR MSCI INDIA ETF 46429B598   323,676 6,274 SH   SOLE   0 0 6,274
ISHARES INC MSCI EMRG CHN 46434G764   2,355,458 40,915 SH   SOLE   0 0 40,915
ISHARES TR ESG AW MSCI EAFE 46435G516   314,526 3,936 SH   SOLE   0 0 3,936
ISHARES TR IBONDS 25 TRM HG 46435U168   801,887 34,298 SH   SOLE   0 0 34,298
ISHARES TR IBONDS 24 TRM HG 46435U184   2,481,198 106,421 SH   SOLE   0 0 106,421
ISHARES TR US INFRASTRUC 46435U713   664,413 15,323 SH   SOLE   0 0 15,323
ISHARES TR IBONDS 2026 TERM 46436E528   666,411 28,899 SH   SOLE   0 0 28,899
JPMORGAN CHASE & CO COM 46625H100   1,028,785 5,136 SH   SOLE   0 0 5,136
JOHNSON & JOHNSON COM 478160104   641,460 4,055 SH   SOLE   0 0 4,055
MARATHON PETE CORP COM 56585A102   312,124 1,549 SH   SOLE   0 0 1,549
MARQETA INC CLASS A COM 57142B104   2,944,598 494,060 SH   SOLE   0 0 494,060
MARRIOTT INTL INC NEW CL A 571903202   248,525 985 SH   SOLE   0 0 985
MASTERCARD INCORPORATED CL A 57636Q104   744,765 1,546 SH   SOLE   0 0 1,546
MERCK & CO INC COM 58933Y105   247,789 1,867 SH   SOLE   0 0 1,867
MICROSOFT CORP COM 594918104   4,108,362 9,765 SH   SOLE   0 0 9,765
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   188,891 47,460 SH   SOLE   0 0 47,460
NETFLIX INC COM 64110L106   383,840 632 SH   SOLE   0 0 632
NOMURA HLDGS INC SPONSORED ADR 65535H208   183,458 28,576 SH   SOLE   0 0 28,576
NOVO-NORDISK A S ADR 670100205   580,171 4,486 SH   SOLE   0 0 4,486
NVIDIA CORPORATION COM 67066G104   2,068,300 2,289 SH   SOLE   0 0 2,289
ORACLE CORP COM 68389X105   329,726 2,625 SH   SOLE   0 0 2,625
PEPSICO INC COM 713448108   243,260 1,380 SH   SOLE   0 0 1,380
PHILLIPS 66 COM 718546104   272,941 1,671 SH   SOLE   0 0 1,671
PORCH GROUP INC COM 733245104   627,752 145,650 SH   SOLE   0 0 145,650
PROFIRE ENERGY INC COM 74316X101   26,437 14,290 SH   SOLE   0 0 14,290
PROSHARES TR LARGE CAP CRE 74347R248   210,391 3,464 SH   SOLE   0 0 3,464
PUBLIC STORAGE COM 74460D109   641,903 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF TR TR UNIT 78462F103   952,201 1,815 SH   SOLE   0 0 1,815
SPDR GOLD TR GOLD SHS 78463V107   476,653 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   555,863 17,114 SH   SOLE   0 0 17,114
SPDR SER TR S&P 600 SMCP VAL 78464A300   220,534 2,658 SH   SOLE   0 0 2,658
SALESFORCE INC COM 79466L302   1,759,908 5,838 SH   SOLE   0 0 5,838
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,997,460 43,113 SH   SOLE   0 0 43,113
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,918,019 64,728 SH   SOLE   0 0 64,728
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   261,657 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   517,946 9,082 SH   SOLE   0 0 9,082
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   366,086 5,525 SH   SOLE   0 0 5,525
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   241,612 6,192 SH   SOLE   0 0 6,192
SNOWFLAKE INC CL A 833445109   1,489,305 9,216 SH   SOLE   0 0 9,216
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   247,653 21,041 SH   SOLE   0 0 21,041
TESLA INC COM 88160R101   760,292 4,325 SH   SOLE   0 0 4,325
UNITED RENTALS INC COM 911363109   250,225 347 SH   SOLE   0 0 347
UNITEDHEALTH GROUP INC COM 91324P102   357,976 724 SH   SOLE   0 0 724
VALVOLINE INC COM 92047W101   281,415 6,314 SH   SOLE   0 0 6,314
VANGUARD STAR FDS VG TL INTL STK F 921909768   465,878 7,726 SH   SOLE   0 0 7,726
VANGUARD BD INDEX FDS INTERMED TERM 921937819   962,487 12,765 SH   SOLE   0 0 12,765
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   200,322 3,993 SH   SOLE   0 0 3,993
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,494,969 30,602 SH   SOLE   0 0 30,602
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   267,640 4,192 SH   SOLE   0 0 4,192
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   728,460 2,693 SH   SOLE   0 0 2,693
VANGUARD WORLD FD INF TECH ETF 92204A702   375,427 716 SH   SOLE   0 0 716
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   201,815 3,441 SH   SOLE   0 0 3,441
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,671,036 40,006 SH   SOLE   0 0 40,006
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   261,450 5,167 SH   SOLE   0 0 5,167
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,545,369 9,456 SH   SOLE   0 0 9,456
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,286,672 8,253 SH   SOLE   0 0 8,253
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,327,088 5,628 SH   SOLE   0 0 5,628
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   503,660 5,824 SH   SOLE   0 0 5,824
VANGUARD INDEX FDS SML CP GRW ETF 922908595   963,251 3,695 SH   SOLE   0 0 3,695
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,946,938 15,358 SH   SOLE   0 0 15,358
VANGUARD INDEX FDS GROWTH ETF 922908736   7,909,001 22,978 SH   SOLE   0 0 22,978
VANGUARD INDEX FDS VALUE ETF 922908744   2,886,543 17,724 SH   SOLE   0 0 17,724
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,028,426 4,499 SH   SOLE   0 0 4,499
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,582,726 9,937 SH   SOLE   0 0 9,937
VISA INC COM CL A 92826C839   1,372,473 4,918 SH   SOLE   0 0 4,918
WIPRO LTD SPON ADR 1 SH 97651M109   66,240 11,520 SH   SOLE   0 0 11,520