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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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 502,842 2,292 SH SOLE 0 2,292 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 751,806 2,969 SH SOLE 0 2,968 0 0
JOHNSON & JOHNSON COM Stock 478160104 238,288 1,560 SH SOLE 0 1,559 0 0
WILLIAMS SONOMA INC COM Stock 969904101 356,147 2,180 SH SOLE 0 2,180 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 226,282,874 744,523 SH SOLE 0 744,522 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 8,564,052 106,904 SH SOLE 0 106,903 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 556,765 11,542 SH SOLE 0 11,541 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 564,949 3,546 SH SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100 254,629 3,599 SH SOLE 0 3,599 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 50,659,863 568,828 SH SOLE 0 568,828 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 4,884,111 7,905 SH SOLE 0 7,905 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 596,079 7,951 SH SOLE 0 7,950 0 0
PRIORITY TECHNOLOGY HLDGS INC COM Stock 74275G107 3,144,007 404,114 SH SOLE 0 404,114 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 3,745,329 27,869 SH SOLE 0 27,869 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 333,687 2,476 SH SOLE 0 2,475 0 0
SPDR GOLD SHARES ETF 78463V107 2,001,819 6,567 SH SOLE 0 6,567 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 9,051,100 21,318 SH SOLE 0 21,317 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 313,583,460 13,159,188 SH SOLE 0 13,159,188 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 136,366,089 6,170,411 SH SOLE 0 6,170,411 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 4,424,788 46,690 SH SOLE 0 46,689 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 64,189,508 1,711,264 SH SOLE 0 1,711,263 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 45,542,472 416,712 SH SOLE 0 416,712 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 10,987,718 452,728 SH SOLE 0 452,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,826,410 7,877 SH SOLE 0 7,877 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 60,174,572 1,996,502 SH SOLE 0 1,996,502 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 80,270,192 968,044 SH SOLE 0 968,043 0 0
MICROSOFT CORP COM Stock 594918104 1,994,117 4,009 SH SOLE 0 4,009 0 0
AMERIPRISE FINL INC COM Stock 03076C106 251,921 472 SH SOLE 0 472 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 2,738,256 11,555 SH SOLE 0 11,554 0 0
VANGUARD LARGE-CAP ETF ETF 922908637 1,540,620 5,400 SH SOLE 0 5,400 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 4,295,519 168,982 SH SOLE 0 168,981 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 868,775 16,589 SH SOLE 0 16,589 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 1,576,850 20,346 SH SOLE 0 20,346 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 237,681 358 SH SOLE 0 358 0 0
SCHWAB US TIPS ETF ETF 808524870 5,328,063 199,703 SH SOLE 0 199,702 0 0
VANGUARD S&P 500 ETF ETF 922908363 3,538,989 6,230 SH SOLE 0 6,230 0 0
CROWDSTRIKE HLDGS INC CL A Stock 22788C105 509,310 1,000 SH SOLE 0 1,000 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828 2,661,044 26,287 SH SOLE 0 26,287 0 0
ISHARES IBONDS 2025 TERM HIGH YIELD & INCOME ETF ETF 46435U168 1,008,895 43,384 SH SOLE 0 43,384 0 0
ELI LILLY & CO COM Stock 532457108 459,923 590 SH SOLE 0 590 0 0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205 4,307,843 184,648 SH SOLE 0 184,648 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 913,797 6,915 SH SOLE 0 6,915 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 3,205,525 14,855 SH SOLE 0 14,854 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841 3,860,917 171,673 SH SOLE 0 171,672 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866 3,774,611 161,584 SH SOLE 0 161,584 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 3,855,534 168,144 SH SOLE 0 168,143 0 0
ISHARES IBONDS DEC 2029 TERM TREASURY ETF ETF 46436E825 3,908,017 178,285 SH SOLE 0 178,285 0 0
ISHARES IBONDS DEC 2028 TERM TREASURY ETF ETF 46436E833 3,395,206 151,843 SH SOLE 0 151,842 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,085,147 7,825 SH SOLE 0 7,824 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 1,565,209 19,046 SH SOLE 0 19,046 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 2,393,270 12,273 SH SOLE 0 12,272 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528 1,011,423 43,540 SH SOLE 0 43,539 0 0
ISHARES IBONDS DEC 2030 TERM TREASURY ETF ETF 46436E593 223,670 11,274 SH SOLE 0 11,273 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 606,052 16,910 SH SOLE 0 16,909 0 0
DIMENSIONAL U.S. EQUITY MARKET ETF ETF 25434V401 420,905 6,280 SH SOLE 0 6,280 0 0
ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF ETF 46436E478 1,021,439 45,317 SH SOLE 0 45,316 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 1,577,169 5,695 SH SOLE 0 5,694 0 0
VANGUARD GROWTH ETF ETF 922908736 234,796 536 SH SOLE 0 535 0 0
ISHARES IBONDS DEC 2031 TERM TREASURY ETF ETF 46436E460 223,845 10,919 SH SOLE 0 10,919 0 0
SERVICENOW INC COM Stock 81762P102 481,141 468 SH SOLE 0 468 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108 216,249 2,728 SH SOLE 0 2,728 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,616,526 19,364 SH SOLE 0 19,364 0 0
NVIDIA CORPORATION COM Stock 67066G104 460,249 2,913 SH SOLE 0 2,913 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 14,970,888 203,326 SH SOLE 0 203,325 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 820,192 12,202 SH SOLE 0 12,201 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475 1,198,578 18,482 SH SOLE 0 18,482 0 0
ROCKWELL AUTOMATION INC COM Stock 773903109 359,636 1,083 SH SOLE 0 1,082 0 0
CISCO SYS INC COM Stock 17275R102 666,881 9,612 SH SOLE 0 9,612 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 7,360,007 91,259 SH SOLE 0 91,258 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 1,739,860 2,802 SH SOLE 0 2,802 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 11,007,188 453,905 SH SOLE 0 453,904 0 0
SALESFORCE INC COM Stock 79466L302 284,143 1,042 SH SOLE 0 1,042 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100 543,581 1,875 SH SOLE 0 1,875 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 8,418,334 157,972 SH SOLE 0 157,972 0 0
CHEVRON CORP NEW COM Stock 166764100 214,785 1,500 SH SOLE 0 1,500 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 87,981,804 1,543,270 SH SOLE 0 1,543,269 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 1,506,277 11,098 SH SOLE 0 11,097 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 1,139,981 3,867 SH SOLE 0 3,867 0 0
ORACLE CORP COM Stock 68389X105 880,204 4,026 SH SOLE 0 4,026 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 32,383,598 654,743 SH SOLE 0 654,743 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 27,570,465 206,815 SH SOLE 0 206,814 0 0
CATERPILLAR INC COM Stock 149123101 303,192 781 SH SOLE 0 781 0 0
AMERICAN EXPRESS CO COM Stock 025816109 505,583 1,585 SH SOLE 0 1,585 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,254,308 17,258 SH SOLE 0 17,257 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 128,857,764 1,298,969 SH SOLE 0 1,298,969 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 8,632,143 24,593 SH SOLE 0 24,593 0 0
SPDR DOW JONES REIT ETF ETF 78464A607 2,166,710 22,467 SH SOLE 0 22,466 0 0
EXXON MOBIL CORP COM Stock 30231G102 294,725 2,734 SH SOLE 0 2,734 0 0
LOWES COS INC COM Stock 548661107 277,338 1,250 SH SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 4,728,426 76,240 SH SOLE 0 76,240 0 0
ISHARES MSCI EAFE ETF ETF 464287465 2,800,350 31,327 SH SOLE 0 31,327 0 0
APPLE INC COM Stock 037833100 2,170,261 10,578 SH SOLE 0 10,577 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 10,986,339 436,312 SH SOLE 0 436,312 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 306,508 2,385 SH SOLE 0 2,384 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 1,950,991 21,269 SH SOLE 0 21,268 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 8,300,252 42,734 SH SOLE 0 42,734 0 0