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 328,872 2,418 SH SOLE 0 0 0 2,418
ABBVIE INC COM 00287Y109 700,159 3,772 SH SOLE 0 0 0 3,772
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 325,790 1,090 SH SOLE 0 0 0 1,090
ADOBE INC COM 00724F101 268,108 693 SH SOLE 0 0 0 693
ADVANCED MICRO DEVICES INC COM 007903107 276,421 1,948 SH SOLE 0 0 0 1,948
AFLAC INC COM 001055102 257,217 2,439 SH SOLE 0 0 0 2,439
AGNICO EAGLE MINES LTD COM 008474108 290,189 2,440 SH SOLE 0 0 0 2,440
ALPHABET INC CAP STK CL A 02079K305 1,865,218 10,584 SH SOLE 0 0 0 10,584
ALPHABET INC CAP STK CL C 02079K107 1,666,579 9,395 SH SOLE 0 0 0 9,395
AMAZON COM INC COM 023135106 3,179,839 14,494 SH SOLE 0 0 0 14,494
AMERICAN EXPRESS CO COM 025816109 460,622 1,444 SH SOLE 0 0 0 1,444
AMERIPRISE FINL INC COM 03076C106 310,097 581 SH SOLE 0 0 0 581
AMGEN INC COM 031162100 239,562 858 SH SOLE 0 0 0 858
APPLE INC COM 037833100 6,187,627 30,159 SH SOLE 0 0 0 30,159
APPLIED MATLS INC COM 038222105 328,061 1,792 SH SOLE 0 0 0 1,792
APPLOVIN CORP COM CL A 03831W108 256,959 734 SH SOLE 0 0 0 734
ARISTA NETWORKS INC COM SHS 040413205 253,422 2,477 SH SOLE 0 0 0 2,477
ASML HOLDING N V N Y REGISTRY SHS N07059210 1,181,249 1,474 SH SOLE 0 0 0 1,474
ASTRAZENECA PLC SPONSORED ADR 046353108 530,529 7,592 SH SOLE 0 0 0 7,592
AT&T INC COM 00206R102 519,618 17,955 SH SOLE 0 0 0 17,955
AUTOMATIC DATA PROCESSING IN COM 053015103 243,328 789 SH SOLE 0 0 0 789
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 283,423 18,440 SH SOLE 0 0 0 18,440
BANCO SANTANDER S.A. ADR 05964H105 522,659 62,971 SH SOLE 0 0 0 62,971
BANK AMERICA CORP COM 060505104 583,456 12,330 SH SOLE 0 0 0 12,330
BANK MONTREAL QUE COM 063671101 325,473 2,942 SH SOLE 0 0 0 2,942
BANK NOVA SCOTIA HALIFAX COM 064149107 217,653 3,938 SH SOLE 0 0 0 3,938
BARCLAYS PLC ADR 06738E204 282,996 15,223 SH SOLE 0 0 0 15,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 985,142 2,028 SH SOLE 0 0 0 2,028
BLACKROCK INC COM 09290D101 290,642 277 SH SOLE 0 0 0 277
BOOKING HOLDINGS INC COM 09857L108 509,453 88 SH SOLE 0 0 0 88
BROADCOM INC COM 11135F101 2,307,466 8,371 SH SOLE 0 0 0 8,371
CANADIAN IMPERIAL BK COMM COM 136069101 225,735 3,187 SH SOLE 0 0 0 3,187
CAPITAL ONE FINL CORP COM 14040H105 437,009 2,054 SH SOLE 0 0 0 2,054
CATERPILLAR INC COM 149123101 465,852 1,200 SH SOLE 0 0 0 1,200
CHUBB LIMITED COM H1467J104 200,197 691 SH SOLE 0 0 0 691
CINTAS CORP COM 172908105 246,717 1,107 SH SOLE 0 0 0 1,107
CISCO SYS INC COM 17275R102 457,353 6,592 SH SOLE 0 0 0 6,592
COMCAST CORP NEW CL A 20030N101 388,450 10,884 SH SOLE 0 0 0 10,884
COSTCO WHSL CORP NEW COM 22160K105 1,406,705 1,421 SH SOLE 0 0 0 1,421
D R HORTON INC COM 23331A109 206,659 1,603 SH SOLE 0 0 0 1,603
DANAHER CORPORATION COM 235851102 208,800 1,057 SH SOLE 0 0 0 1,057
DEERE & CO COM 244199105 315,772 621 SH SOLE 0 0 0 621
DEUTSCHE BANK A G NAMEN AKT D18190898 235,089 8,029 SH SOLE 0 0 0 8,029
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 1,597,489 23,836 SH SOLE 0 0 0 23,836
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 13,029,119 363,536 SH SOLE 0 0 0 363,536
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,915,887 30,072 SH SOLE 0 0 0 30,072
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 517,315 9,587 SH SOLE 0 0 0 9,587
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 455,026 10,624 SH SOLE 0 0 0 10,624
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 908,796 30,943 SH SOLE 0 0 0 30,943
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 10,658,122 254,918 SH SOLE 0 0 0 254,918
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,709,684 56,440 SH SOLE 0 0 0 56,440
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 524,616 12,414 SH SOLE 0 0 0 12,414
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 456,277 9,620 SH SOLE 0 0 0 9,620
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 526,601 22,447 SH SOLE 0 0 0 22,447
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 6,884,282 221,431 SH SOLE 0 0 0 221,431
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 281,272 9,426 SH SOLE 0 0 0 9,426
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 3,098,472 104,396 SH SOLE 0 0 0 104,396
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 335,407 7,933 SH SOLE 0 0 0 7,933
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 8,921,801 226,384 SH SOLE 0 0 0 226,384
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 13,393,080 351,894 SH SOLE 0 0 0 351,894
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 4,555,366 116,060 SH SOLE 0 0 0 116,060
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 299,120 11,149 SH SOLE 0 0 0 11,149
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 466,169 13,485 SH SOLE 0 0 0 13,485
DISNEY WALT CO COM 254687106 302,708 2,441 SH SOLE 0 0 0 2,441
EATON CORP PLC SHS G29183103 329,145 922 SH SOLE 0 0 0 922
ELI LILLY & CO COM 532457108 943,231 1,210 SH SOLE 0 0 0 1,210
EMCOR GROUP INC COM 29084Q100 223,584 418 SH SOLE 0 0 0 418
ENBRIDGE INC COM 29250N105 319,733 7,055 SH SOLE 0 0 0 7,055
EXXON MOBIL CORP COM 30231G102 271,333 2,517 SH SOLE 0 0 0 2,517
FEDEX CORP COM 31428X106 214,353 943 SH SOLE 0 0 0 943
FERRARI N V COM N3167Y103 228,685 466 SH SOLE 0 0 0 466
FORD MTR CO COM 345370860 123,256 11,360 SH SOLE 0 0 0 11,360
GE AEROSPACE COM NEW 369604301 323,024 1,255 SH SOLE 0 0 0 1,255
GE VERNOVA INC COM 36828A101 202,664 383 SH SOLE 0 0 0 383
GILEAD SCIENCES INC COM 375558103 273,184 2,464 SH SOLE 0 0 0 2,464
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 337,804 3,373 SH SOLE 0 0 0 3,373
GOLDMAN SACHS GROUP INC COM 38141G104 509,580 720 SH SOLE 0 0 0 720
GRAINGER W W INC COM 384802104 223,652 215 SH SOLE 0 0 0 215
GSK PLC SPONSORED ADR 37733W204 242,035 6,303 SH SOLE 0 0 0 6,303
HARTFORD INSURANCE GROUP INC COM 416515104 225,067 1,774 SH SOLE 0 0 0 1,774
HOME DEPOT INC COM 437076102 654,086 1,784 SH SOLE 0 0 0 1,784
HOWMET AEROSPACE INC COM 443201108 337,826 1,815 SH SOLE 0 0 0 1,815
HSBC HLDGS PLC SPON ADR NEW 404280406 629,845 10,361 SH SOLE 0 0 0 10,361
ING GROEP N.V. SPONSORED ADR 456837103 315,562 14,429 SH SOLE 0 0 0 14,429
INTERNATIONAL BUSINESS MACHS COM 459200101 713,368 2,420 SH SOLE 0 0 0 2,420
INTUIT COM 461202103 270,945 344 SH SOLE 0 0 0 344
INTUITIVE SURGICAL INC COM NEW 46120E602 240,187 442 SH SOLE 0 0 0 442
ISHARES INC CORE MSCI EMKT 46434G103 895,258 14,914 SH SOLE 0 0 0 14,914
ISHARES TR CORE MSCI INTL 46435G326 277,394 3,648 SH SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718 19,151,339 190,201 SH SOLE 0 0 0 190,201
ISHARES TR CORE US AGGBD ET 464287226 1,017,755 10,260 SH SOLE 0 0 0 10,260
ISHARES TR CORE S&P TTL STK 464287150 385,022 2,851 SH SOLE 0 0 0 2,851
ISHARES TR NATIONAL MUN ETF 464288414 207,318 1,984 SH SOLE 0 0 0 1,984
ISHARES TR JPMORGAN USD EMG 464288281 250,785 2,708 SH SOLE 0 0 0 2,708
ISHARES TR RUS MDCP VAL ETF 464287473 943,259 7,138 SH SOLE 0 0 0 7,138
ISHARES TR S&P 500 VAL ETF 464287408 405,851 2,077 SH SOLE 0 0 0 2,077
ISHARES TR RUS 1000 GRW ETF 464287614 214,837 506 SH SOLE 0 0 0 506
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 504,587 9,956 SH SOLE 0 0 0 9,956
JOHNSON & JOHNSON COM 478160104 671,642 4,397 SH SOLE 0 0 0 4,397
JPMORGAN CHASE & CO. COM 46625H100 2,213,753 7,636 SH SOLE 0 0 0 7,636
KLA CORP COM NEW 482480100 357,400 399 SH SOLE 0 0 0 399
KROGER CO COM 501044101 254,139 3,543 SH SOLE 0 0 0 3,543
LAM RESEARCH CORP COM NEW 512807306 319,665 3,284 SH SOLE 0 0 0 3,284
LINDE PLC SHS G54950103 333,587 711 SH SOLE 0 0 0 711
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 232,862 54,791 SH SOLE 0 0 0 54,791
LOCKHEED MARTIN CORP COM 539830109 275,568 595 SH SOLE 0 0 0 595
LOWES COS INC COM 548661107 236,292 1,065 SH SOLE 0 0 0 1,065
MARATHON PETE CORP COM 56585A102 235,876 1,420 SH SOLE 0 0 0 1,420
MARSH & MCLENNAN COS INC COM 571748102 276,798 1,266 SH SOLE 0 0 0 1,266
MASTERCARD INCORPORATED CL A 57636Q104 953,050 1,696 SH SOLE 0 0 0 1,696
MCDONALDS CORP COM 580135101 423,647 1,450 SH SOLE 0 0 0 1,450
MCKESSON CORP COM 58155Q103 351,734 480 SH SOLE 0 0 0 480
MERCK & CO INC COM 58933Y105 216,582 2,736 SH SOLE 0 0 0 2,736
META PLATFORMS INC CL A 30303M102 4,398,278 5,959 SH SOLE 0 0 0 5,959
MICRON TECHNOLOGY INC COM 595112103 213,223 1,730 SH SOLE 0 0 0 1,730
MICROSOFT CORP COM 594918104 5,860,485 11,782 SH SOLE 0 0 0 11,782
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 591,497 43,112 SH SOLE 0 0 0 43,112
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 275,176 49,492 SH SOLE 0 0 0 49,492
MORGAN STANLEY COM NEW 617446448 432,299 3,069 SH SOLE 0 0 0 3,069
NATWEST GROUP PLC SPONS ADR 639057207 179,479 12,684 SH SOLE 0 0 0 12,684
NETFLIX INC COM 64110L106 1,005,687 751 SH SOLE 0 0 0 751
NOKIA CORP SPONSORED ADR 654902204 184,335 35,586 SH SOLE 0 0 0 35,586
NOMURA HLDGS INC SPONSORED ADR 65535H208 88,876 13,507 SH SOLE 0 0 0 13,507
NOVARTIS AG SPONSORED ADR 66987V109 956,947 7,908 SH SOLE 0 0 0 7,908
NOVO-NORDISK A S ADR 670100205 1,087,893 15,762 SH SOLE 0 0 0 15,762
NRG ENERGY INC COM NEW 629377508 206,024 1,283 SH SOLE 0 0 0 1,283
NVIDIA CORPORATION COM 67066G104 6,489,123 41,073 SH SOLE 0 0 0 41,073
ORACLE CORP COM 68389X105 1,139,500 5,212 SH SOLE 0 0 0 5,212
OREILLY AUTOMOTIVE INC COM 67103H107 207,840 2,306 SH SOLE 0 0 0 2,306
PALANTIR TECHNOLOGIES INC CL A 69608A108 286,136 2,099 SH SOLE 0 0 0 2,099
PARKER-HANNIFIN CORP COM 701094104 307,327 440 SH SOLE 0 0 0 440
PFIZER INC COM 717081103 202,307 8,346 SH SOLE 0 0 0 8,346
PHILIP MORRIS INTL INC COM 718172109 379,013 2,081 SH SOLE 0 0 0 2,081
PROCTER AND GAMBLE CO COM 742718109 361,178 2,267 SH SOLE 0 0 0 2,267
PROGRESSIVE CORP COM 743315103 350,387 1,313 SH SOLE 0 0 0 1,313
QUALCOMM INC COM 747525103 303,231 1,904 SH SOLE 0 0 0 1,904
RELX PLC SPONSORED ADR 759530108 513,785 9,455 SH SOLE 0 0 0 9,455
ROBINHOOD MKTS INC COM CL A 770700102 264,598 2,826 SH SOLE 0 0 0 2,826
ROYAL BK CDA COM 780087102 916,640 6,968 SH SOLE 0 0 0 6,968
ROYAL CARIBBEAN GROUP COM V7780T103 278,068 888 SH SOLE 0 0 0 888
S&P GLOBAL INC COM 78409V104 275,773 523 SH SOLE 0 0 0 523
SALESFORCE INC COM 79466L302 348,498 1,278 SH SOLE 0 0 0 1,278
SAP SE SPON ADR 803054204 524,877 1,726 SH SOLE 0 0 0 1,726
SCHWAB CHARLES CORP COM 808513105 246,804 2,705 SH SOLE 0 0 0 2,705
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,779,375 410,381 SH SOLE 0 0 0 410,381
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,650,815 210,444 SH SOLE 0 0 0 210,444
SERVICENOW INC COM 81762P102 212,813 207 SH SOLE 0 0 0 207
SHERWIN WILLIAMS CO COM 824348106 259,580 756 SH SOLE 0 0 0 756
SONY GROUP CORP SPONSORED ADR 835699307 1,062,388 40,814 SH SOLE 0 0 0 40,814
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 866,497 11,920 SH SOLE 0 0 0 11,920
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 262,110 4,820 SH SOLE 0 0 0 4,820
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 368,760 24,405 SH SOLE 0 0 0 24,405
T-MOBILE US INC COM 872590104 292,583 1,228 SH SOLE 0 0 0 1,228
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 193,575 12,521 SH SOLE 0 0 0 12,521
TARGA RES CORP COM 87612G101 216,207 1,242 SH SOLE 0 0 0 1,242
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 184,347 21,739 SH SOLE 0 0 0 21,739
TELEFONICA S A SPONSORED ADR 879382208 120,588 23,057 SH SOLE 0 0 0 23,057
TESLA INC COM 88160R101 1,560,028 4,911 SH SOLE 0 0 0 4,911
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 172,578 10,297 SH SOLE 0 0 0 10,297
TEXAS INSTRS INC COM 882508104 285,478 1,375 SH SOLE 0 0 0 1,375
THERMO FISHER SCIENTIFIC INC COM 883556102 219,759 542 SH SOLE 0 0 0 542
TJX COS INC NEW COM 872540109 347,254 2,812 SH SOLE 0 0 0 2,812
TORONTO DOMINION BK ONT COM NEW 891160509 300,484 4,091 SH SOLE 0 0 0 4,091
TOYOTA MOTOR CORP ADS 892331307 632,194 3,670 SH SOLE 0 0 0 3,670
TRANE TECHNOLOGIES PLC SHS G8994E103 287,816 658 SH SOLE 0 0 0 658
TRAVELERS COMPANIES INC COM 89417E109 302,855 1,132 SH SOLE 0 0 0 1,132
UBS GROUP AG SHS H42097107 296,500 8,767 SH SOLE 0 0 0 8,767
UNILEVER PLC SPON ADR NEW 904767704 267,802 4,378 SH SOLE 0 0 0 4,378
UNION PAC CORP COM 907818108 272,185 1,183 SH SOLE 0 0 0 1,183
UNITED RENTALS INC COM 911363109 288,552 383 SH SOLE 0 0 0 383
UNITEDHEALTH GROUP INC COM 91324P102 411,800 1,320 SH SOLE 0 0 0 1,320
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 332,672 4,518 SH SOLE 0 0 0 4,518
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 344,096 6,950 SH SOLE 0 0 0 6,950
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 706,946 1,245 SH SOLE 0 0 0 1,245
VANGUARD INDEX FDS VALUE ETF 922908744 221,616 1,254 SH SOLE 0 0 0 1,254
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,550,737 8,393 SH SOLE 0 0 0 8,393
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 801,989 16,215 SH SOLE 0 0 0 16,215
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 652,871 5,080 SH SOLE 0 0 0 5,080
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 329,784 6,560 SH SOLE 0 0 0 6,560
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 26,750,860 455,101 SH SOLE 0 0 0 455,101
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,959,045 34,363 SH SOLE 0 0 0 34,363
VANGUARD WORLD FD ESG US STK ETF 921910733 374,530 3,416 SH SOLE 0 0 0 3,416
VERIZON COMMUNICATIONS INC COM 92343V104 589,727 13,629 SH SOLE 0 0 0 13,629
VERTEX PHARMACEUTICALS INC COM 92532F100 232,840 523 SH SOLE 0 0 0 523
VISA INC COM CL A 92826C839 1,145,746 3,227 SH SOLE 0 0 0 3,227
VISTRA CORP COM 92840M102 300,212 1,549 SH SOLE 0 0 0 1,549
WALMART INC COM 931142103 1,001,072 10,238 SH SOLE 0 0 0 10,238
WASTE MGMT INC DEL COM 94106L109 232,252 1,015 SH SOLE 0 0 0 1,015
WELLS FARGO CO NEW COM 949746101 298,287 3,723 SH SOLE 0 0 0 3,723
WILLIAMS COS INC COM 969457100 224,295 3,571 SH SOLE 0 0 0 3,571