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
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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
AMAZON COM INC COM Stock 023135106 584,669 3,073 SH SOLE 0 3,073 0 0
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109 207,564 13,452 SH SOLE 0 13,452 0 0
JOHNSON & JOHNSON COM Stock 478160104 263,354 1,588 SH SOLE 0 1,588 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 617,016 2,245 SH SOLE 0 2,245 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 442,140 6,000 SH SOLE 0 6,000 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516 246,540 3,018 SH SOLE 0 3,018 0 0
GLOBAL X S&P 500 CATHOLIC VALUES CUSTOM ETF ETF 37954Y889 208,969 3,094 SH SOLE 0 3,094 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 1,386,528 13,130 SH SOLE 0 13,130 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 769,033 1,375 SH SOLE 0 1,374 0 0
ALLSTATE CORP COM Stock 020002101 437,539 2,113 SH SOLE 0 2,113 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CL A Stock 192446102 215,654 2,819 SH SOLE 0 2,819 0 0
PEPSICO INC COM Stock 713448108 359,106 2,395 SH SOLE 0 2,395 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 684,365 12,160 SH SOLE 0 12,160 0 0
OKTA INC CL A Stock 679295105 631,320 6,000 SH SOLE 0 6,000 0 0
XCEL ENERGY INC COM Stock 98389B100 270,845 3,826 SH SOLE 0 3,826 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETF 78464A375 112,608,131 3,387,730 SH SOLE 0 3,306,755 0 80,974
SUNCOR ENERGY INC NEW COM Stock 867224107 201,228 5,197 SH SOLE 0 5,197 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 4,083,206 11,308 SH SOLE 0 11,308 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 599,395 5,732 SH SOLE 0 5,732 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,498,148 2,813 SH SOLE 0 2,813 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 6,371,066 77,924 SH SOLE 0 77,924 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 277,888 1,797 SH SOLE 0 1,797 0 0
COMCAST CORP NEW CL A Stock 20030N101 273,577 7,414 SH SOLE 0 7,414 0 0
MICROSOFT CORP COM Stock 594918104 886,671 2,362 SH SOLE 0 2,235 0 127
DTE ENERGY CO COM Stock 233331107 447,006 3,233 SH SOLE 0 3,232 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 4,243,714 71,443 SH SOLE 0 71,443 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 1,229,900 50,530 SH SOLE 0 50,530 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 1,001,013 40,266 SH SOLE 0 40,266 0 0
VANGUARD S&P 500 ETF ETF 922908363 414,725 807 SH SOLE 0 807 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 939,426 5,423 SH SOLE 0 5,423 0 0
ELI LILLY & CO COM Stock 532457108 241,992 293 SH SOLE 0 293 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866 2,479,627 106,103 SH SOLE 0 106,103 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 2,637,912 26,204 SH SOLE 0 26,203 0 0
DUN & BRADSTREET HLDGS INC COM Stock 26484T106 114,387 12,795 SH SOLE 0 12,795 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,118,152 9,517 SH SOLE 0 9,517 0 0
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 374,760 12,000 SH SOLE 0 12,000 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 42,710,075 1,649,675 SH SOLE 0 1,614,451 0 35,223
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 49,056,444 1,754,522 SH SOLE 0 1,711,345 0 43,177
INVESCO RAFI US 1000 ETF ETF 46137V613 712,832 17,640 SH SOLE 0 17,640 0 0
DT MIDSTREAM INC COMMON STOCK Stock 23345M107 238,402 2,471 SH SOLE 0 2,471 0 0
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807 43,151,875 1,096,338 SH SOLE 0 1,064,526 0 31,812
VANGUARD VALUE ETF ETF 922908744 2,343,314 13,566 SH SOLE 0 13,565 0 0
NUVEEN ESG DIVIDEND ETF ETF 67092P813 259,144 9,285 SH SOLE 0 9,285 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 117,159,757 960,247 SH SOLE 0 934,946 0 25,301
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 45,336,196 908,541 SH SOLE 0 887,452 0 21,089
ISHARES CORE MSCI EAFE ETF ETF 46432F842 58,823,215 777,571 SH SOLE 0 757,357 0 20,213
NVIDIA CORPORATION COM Stock 67066G104 577,774 5,331 SH SOLE 0 5,331 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679 69,827,657 632,153 SH SOLE 0 617,533 0 14,620
ABBVIE INC COM Stock 00287Y109 215,596 1,029 SH SOLE 0 1,029 0 0
WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND ETF 97717W778 585,451 8,845 SH SOLE 0 8,845 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 336,610 5,100 SH SOLE 0 5,100 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 335,747 6,221 SH SOLE 0 2,219 0 4,002
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 2,063,241 34,013 SH SOLE 0 34,013 0 0
DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF ETF 25434V633 687,456 13,860 SH SOLE 0 13,860 0 0
QUALCOMM INC COM Stock 747525103 218,433 1,422 SH SOLE 0 1,422 0 0
DISCOVER FINL SVCS COM Stock 254709108 298,554 1,749 SH SOLE 0 1,749 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 28,011,337 573,768 SH SOLE 0 559,805 0 13,962
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307 3,621,098 45,623 SH SOLE 0 45,623 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 337,124,187 4,402,823 SH SOLE 0 4,295,126 0 107,697
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 1,023,975 20,678 SH SOLE 0 20,678 0 0
GE AEROSPACE COM NEW Stock 369604301 482,762 2,412 SH SOLE 0 2,412 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 35,904,673 210,104 SH SOLE 0 204,256 0 5,848
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 599,094 4,812 SH SOLE 0 4,812 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 587,368 3,082 SH SOLE 0 3,082 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 2,244,444 24,178 SH SOLE 0 24,178 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 157,952,655 281,105 SH SOLE 0 274,102 0 7,002
FLEX LTD ORD Stock Y2573F102 422,035 12,758 SH SOLE 0 12,758 0 0
WELLS FARGO CO NEW COM Stock 949746101 361,750 5,039 SH SOLE 0 5,039 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 2,438,143 5,458 SH SOLE 0 5,458 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100 400,820 1,634 SH SOLE 0 1,634 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 457,513 3,372 SH SOLE 0 3,372 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 484,390 1,948 SH SOLE 0 1,948 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 549,864 12,149 SH SOLE 0 12,149 0 0
MORGAN STANLEY COM NEW Stock 617446448 267,641 2,294 SH SOLE 0 2,294 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 1,293,451 12,128 SH SOLE 0 12,128 0 0
HP INC COM Stock 40434L105 358,142 12,934 SH SOLE 0 12,934 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 220,554 1,137 SH SOLE 0 1,136 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303 214,829 3,301 SH SOLE 0 3,301 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 2,967,600 30,000 SH SOLE 0 30,000 0 0
FIRST TRUST DORSEY WRIGHT INTERNATIONAL FOCUS 5 ETF ETF 33738R886 378,240 18,912 SH SOLE 0 18,912 0 0
ISHARES ULTRA SHORT-TERM BOND ACTIVE ETF ETF 46434V878 2,077,128 40,969 SH SOLE 0 40,969 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 7,686,689 127,792 SH SOLE 0 127,792 0 0
KEYSIGHT TECHNOLOGIES INC COM Stock 49338L103 350,911 2,343 SH SOLE 0 2,343 0 0
VANGUARD LONG-TERM BOND ETF ETF 921937793 774,620 11,000 SH SOLE 0 11,000 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 159,490,720 2,037,439 SH SOLE 0 1,990,997 0 46,441
AGILENT TECHNOLOGIES INC COM Stock 00846U101 285,431 2,440 SH SOLE 0 2,440 0 0
EXXON MOBIL CORP COM Stock 30231G102 290,903 2,446 SH SOLE 0 2,446 0 0
CARDINAL HEALTH INC COM Stock 14149Y108 306,814 2,227 SH SOLE 0 2,227 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 473,504 8,115 SH SOLE 0 8,114 0 0
ISHARES MSCI EAFE ETF ETF 464287465 3,014,937 36,889 SH SOLE 0 36,888 0 0
APPLE INC COM Stock 037833100 727,635 3,276 SH SOLE 0 2,925 0 350
ISHARES RUSSELL 1000 ETF ETF 464287622 396,922 1,294 SH SOLE 0 1,294 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 221,253 2,412 SH SOLE 0 2,412 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 1,015,688 5,398 SH SOLE 0 5,398 0 0