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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100 485,061 3,657 SH SOLE 0 0 3,657
ABBVIE INC COM 00287Y109 770,416 3,677 SH SOLE 0 0 3,677
ADOBE INC COM 00724F101 206,723 539 SH SOLE 0 0 539
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 479,466 3,626 SH SOLE 0 0 3,626
ALPHABET INC CAP STK CL C 02079K107 917,229 5,871 SH SOLE 0 0 5,871
ALPHABET INC CAP STK CL A 02079K305 1,375,002 8,892 SH SOLE 0 0 8,892
AMAZON COM INC COM 023135106 1,290,790 6,784 SH SOLE 0 0 6,784
AMBEV SA SPONSORED ADR 02319V103 45,188 19,394 SH SOLE 0 0 19,394
APPLE INC COM 037833100 19,674,902 88,574 SH SOLE 0 0 88,574
ASML HOLDING N V N Y REGISTRY SHS N07059210 353,844 534 SH SOLE 0 0 534
ASTRAZENECA PLC SPONSORED ADR 046353108 330,897 4,502 SH SOLE 0 0 4,502
AT&T INC COM 00206R102 337,210 11,924 SH SOLE 0 0 11,924
AUTOMATIC DATA PROCESSING IN COM 053015103 306,815 1,004 SH SOLE 0 0 1,004
BANCO BRADESCO S A SP ADR PFD NEW 059460303 54,822 24,584 SH SOLE 0 0 24,584
BANCO SANTANDER S.A. ADR 05964H105 147,018 21,943 SH SOLE 0 0 21,943
BANK AMERICA CORP COM 060505104 407,250 9,759 SH SOLE 0 0 9,759
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,255,291 2,357 SH SOLE 0 0 2,357
BLACKSTONE INC COM 09260D107 201,104 1,439 SH SOLE 0 0 1,439
BRISTOL-MYERS SQUIBB CO COM 110122108 331,481 5,435 SH SOLE 0 0 5,435
BROADCOM INC COM 11135F101 529,400 3,162 SH SOLE 0 0 3,162
CHEVRON CORP NEW COM 166764100 691,697 4,135 SH SOLE 0 0 4,135
CITIGROUP INC COM NEW 172967424 238,687 3,362 SH SOLE 0 0 3,362
COCA COLA CO COM 191216100 308,288 4,304 SH SOLE 0 0 4,304
CONOCOPHILLIPS COM 20825C104 279,024 2,657 SH SOLE 0 0 2,657
COSTCO WHSL CORP NEW COM 22160K105 951,028 1,006 SH SOLE 0 0 1,006
DEVON ENERGY CORP NEW COM 25179M103 397,473 10,628 SH SOLE 0 0 10,628
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 920,748 23,393 SH SOLE 0 0 23,393
EATON CORP PLC SHS G29183103 229,968 846 SH SOLE 0 0 846
ELI LILLY & CO COM 532457108 309,716 375 SH SOLE 0 0 375
EXXON MOBIL CORP COM 30231G102 428,893 3,606 SH SOLE 0 0 3,606
GENUINE PARTS CO COM 372460105 201,108 1,688 SH SOLE 0 0 1,688
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 2,066,502 56,632 SH SOLE 0 0 56,632
HARBOR ETF TRUST INTERNATNAL COMP 41151J885 783,048 29,510 SH SOLE 0 0 29,510
HARTFORD INSURANCE GROUP INC COM 416515104 207,866 1,680 SH SOLE 0 0 1,680
HOME DEPOT INC COM 437076102 442,365 1,207 SH SOLE 0 0 1,207
HSBC HLDGS PLC SPON ADR NEW 404280406 351,701 6,124 SH SOLE 0 0 6,124
HURON CONSULTING GROUP INC COM 447462102 320,467 2,234 SH SOLE 0 0 2,234
INTUITIVE SURGICAL INC COM NEW 46120E602 429,399 867 SH SOLE 0 0 867
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 23,538,873 135,882 SH SOLE 0 0 135,882
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 2,926,608 62,521 SH SOLE 0 0 62,521
ISHARES INC MSCI EMRG CHN 46434G764 4,783,961 86,839 SH SOLE 0 0 86,839
ISHARES INC CORE MSCI EMKT 46434G103 217,628 4,032 SH SOLE 0 0 4,032
ISHARES TR BROAD USD HIGH 46435U853 1,859,358 50,512 SH SOLE 0 0 50,512
ISHARES TR MSCI EAFE ETF 464287465 278,306 3,405 SH SOLE 0 0 3,405
ISHARES TR RUS 2000 GRW ETF 464287648 896,759 3,509 SH SOLE 0 0 3,509
ISHARES TR CORE S&P SCP ETF 464287804 6,749,685 64,547 SH SOLE 0 0 64,547
ISHARES TR RUS 1000 GRW ETF 464287614 303,063 839 SH SOLE 0 0 839
ISHARES TR NATIONAL MUN ETF 464288414 1,899,450 18,015 SH SOLE 0 0 18,015
ISHARES TR CORE MSCI INTL 46435G326 35,265,204 511,906 SH SOLE 0 0 511,906
ISHARES TR S&P 500 GRWT ETF 464287309 1,183,957 12,754 SH SOLE 0 0 12,754
ISHARES TR CORE MSCI EAFE 46432F842 20,004,236 264,431 SH SOLE 0 0 264,431
ISHARES TR SHRT NAT MUN ETF 464288158 431,194 4,083 SH SOLE 0 0 4,083
ISHARES TR CORE S&P500 ETF 464287200 1,794,539 3,194 SH SOLE 0 0 3,194
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,229,100 24,582 SH SOLE 0 0 24,582
JOHNSON & JOHNSON COM 478160104 703,891 4,244 SH SOLE 0 0 4,244
JPMORGAN CHASE & CO. COM 46625H100 713,991 2,911 SH SOLE 0 0 2,911
LINCOLN ELEC HLDGS INC COM 533900106 349,946 1,850 SH SOLE 0 0 1,850
LINDE PLC SHS G54950103 224,904 483 SH SOLE 0 0 483
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 88,804 23,247 SH SOLE 0 0 23,247
MARRIOTT INTL INC NEW CL A 571903202 257,304 1,080 SH SOLE 0 0 1,080
MASTERCARD INCORPORATED CL A 57636Q104 371,827 678 SH SOLE 0 0 678
MCDONALDS CORP COM 580135101 636,727 2,038 SH SOLE 0 0 2,038
META PLATFORMS INC CL A 30303M102 956,758 1,660 SH SOLE 0 0 1,660
MICROSOFT CORP COM 594918104 2,468,308 6,575 SH SOLE 0 0 6,575
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 194,105 14,241 SH SOLE 0 0 14,241
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 100,541 18,247 SH SOLE 0 0 18,247
MOODYS CORP COM 615369105 921,601 1,979 SH SOLE 0 0 1,979
NETFLIX INC COM 64110L106 356,226 382 SH SOLE 0 0 382
NOVARTIS AG SPONSORED ADR 66987V109 263,873 2,367 SH SOLE 0 0 2,367
NOVO-NORDISK A S ADR 670100205 257,136 3,703 SH SOLE 0 0 3,703
NVIDIA CORPORATION COM 67066G104 2,425,092 22,376 SH SOLE 0 0 22,376
ORACLE CORP COM 68389X105 202,147 1,446 SH SOLE 0 0 1,446
OREILLY AUTOMOTIVE INC COM 67103H107 266,460 186 SH SOLE 0 0 186
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,734,842 20,555 SH SOLE 0 0 20,555
ROYAL BK CDA COM 780087102 208,983 1,854 SH SOLE 0 0 1,854
SALESFORCE INC COM 79466L302 218,445 814 SH SOLE 0 0 814
SAP SE SPON ADR 803054204 384,406 1,432 SH SOLE 0 0 1,432
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 25,286,467 1,145,220 SH SOLE 0 0 1,145,220
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,866,037 293,045 SH SOLE 0 0 293,045
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 22,225,965 1,123,658 SH SOLE 0 0 1,123,658
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 310,072 11,247 SH SOLE 0 0 11,247
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,087,525 78,537 SH SOLE 0 0 78,537
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 866,606 17,398 SH SOLE 0 0 17,398
SHELL PLC SPON ADS 780259305 345,222 4,711 SH SOLE 0 0 4,711
SONY GROUP CORP SPONSORED ADR 835699307 236,660 9,321 SH SOLE 0 0 9,321
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,480,712 113,810 SH SOLE 0 0 113,810
SPDR S&P 500 ETF TR TR UNIT 78462F103 293,339 524 SH SOLE 0 0 524
SPDR SER TR NUVEEN BLMBRG SH 78468R739 563,834 11,845 SH SOLE 0 0 11,845
SPDR SER TR SSGA US LRG ETF 78468R804 1,045,879 6,009 SH SOLE 0 0 6,009
SPDR SER TR PRTFLO S&P500 VL 78464A508 27,693,963 542,275 SH SOLE 0 0 542,275
SPDR SER TR NUVEEN BLOOMBERG 78464A284 2,497,539 99,030 SH SOLE 0 0 99,030
SPDR SER TR PRTFLO S&P500 GW 78464A409 28,906,583 359,669 SH SOLE 0 0 359,669
SPDR SER TR PORTFOLIO S&P500 78464A854 454,729 6,915 SH SOLE 0 0 6,915
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 515,928 3,108 SH SOLE 0 0 3,108
TESLA INC COM 88160R101 298,552 1,152 SH SOLE 0 0 1,152
TEXAS PACIFIC LAND CORPORATI COM 88262P102 489,887 370 SH SOLE 0 0 370
TOYOTA MOTOR CORP ADS 892331307 223,310 1,265 SH SOLE 0 0 1,265
UNITEDHEALTH GROUP INC COM 91324P102 292,401 558 SH SOLE 0 0 558
VALE S A SPONSORED ADS 91912E105 105,359 10,557 SH SOLE 0 0 10,557
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,788,136 34,938 SH SOLE 0 0 34,938
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 6,046,234 72,052 SH SOLE 0 0 72,052
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 40,471,177 551,003 SH SOLE 0 0 551,003
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,819,333 180,650 SH SOLE 0 0 180,650
VANGUARD INDEX FDS GROWTH ETF 922908736 8,849,630 23,865 SH SOLE 0 0 23,865
VANGUARD INDEX FDS TOTAL STK MKT 922908769 693,182 2,522 SH SOLE 0 0 2,522
VANGUARD INDEX FDS VALUE ETF 922908744 5,893,814 34,120 SH SOLE 0 0 34,120
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,650,761 14,500 SH SOLE 0 0 14,500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 453,160 882 SH SOLE 0 0 882
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,366,537 12,704 SH SOLE 0 0 12,704
VANGUARD INDEX FDS LARGE CAP ETF 922908637 28,705,419 111,681 SH SOLE 0 0 111,681
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,017,753 464,378 SH SOLE 0 0 464,378
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12,874,655 259,465 SH SOLE 0 0 259,465
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 4,535,101 24,335 SH SOLE 0 0 24,335
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,348,950 282,293 SH SOLE 0 0 282,293
VANGUARD WORLD FD INF TECH ETF 92204A702 1,146,219 2,113 SH SOLE 0 0 2,113
VICTORY PORTFOLIOS II VICTORYSHARES SM 92647X822 2,711,546 110,540 SH SOLE 0 0 110,540
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840 578,194 12,755 SH SOLE 0 0 12,755
VISA INC COM CL A 92826C839 605,581 1,728 SH SOLE 0 0 1,728