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
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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 714,553 3,257 SH SOLE 0 3,257 0 0
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109 261,760 12,800 SH SOLE 0 12,800 0 0
JOHNSON & JOHNSON COM Stock 478160104 205,296 1,344 SH SOLE 0 1,344 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 605,732 1,993 SH SOLE 0 1,993 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 480,660 6,000 SH SOLE 0 6,000 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 243,441 1,528 SH SOLE 0 1,528 0 0
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516 362,590 4,064 SH SOLE 0 4,064 0 0
GLOBAL X S&P 500 CATHOLIC VALUES CUSTOM ETF ETF 37954Y889 215,334 2,854 SH SOLE 0 2,854 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 1,432,400 13,470 SH SOLE 0 13,470 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 611,054 989 SH SOLE 0 989 0 0
ALLSTATE CORP COM Stock 020002101 370,410 1,840 SH SOLE 0 1,840 0 0
PEPSICO INC COM Stock 713448108 281,113 2,129 SH SOLE 0 2,129 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 658,289 11,810 SH SOLE 0 11,810 0 0
OKTA INC CL A Stock 679295105 559,832 5,600 SH SOLE 0 5,600 0 0
XCEL ENERGY INC COM Stock 98389B100 250,338 3,676 SH SOLE 0 3,676 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETF 78464A375 2,032,483 60,527 SH SOLE 0 60,122 0 404
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 4,801,151 11,308 SH SOLE 0 11,308 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 270,165 2,472 SH SOLE 0 2,472 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,252,315 2,578 SH SOLE 0 2,578 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 2,347,216 28,307 SH SOLE 0 28,307 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 299,767 1,701 SH SOLE 0 1,701 0 0
MICROSOFT CORP COM Stock 594918104 1,170,406 2,353 SH SOLE 0 2,226 0 127
DTE ENERGY CO COM Stock 233331107 428,224 3,233 SH SOLE 0 3,232 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 4,273,006 71,443 SH SOLE 0 71,443 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 210,668 3,584 SH SOLE 0 3,584 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 2,089,171 85,692 SH SOLE 0 85,692 0 0
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 1,008,759 40,302 SH SOLE 0 40,302 0 0
VANGUARD S&P 500 ETF ETF 922908363 332,298 585 SH SOLE 0 585 0 0
ISHARES IBONDS DEC 2025 TERM TREASURY ETF ETF 46436E866 2,101,022 89,941 SH SOLE 0 89,941 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 2,090,780 91,181 SH SOLE 0 91,181 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 4,307,394 42,779 SH SOLE 0 42,778 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,319,818 9,517 SH SOLE 0 9,517 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 49,633,894 1,714,470 SH SOLE 0 1,679,687 0 34,782
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 30,846,315 1,164,012 SH SOLE 0 1,135,231 0 28,780
INVESCO RAFI US 1000 ETF ETF 46137V613 492,023 11,640 SH SOLE 0 11,640 0 0
DT MIDSTREAM INC COMMON STOCK Stock 23345M107 263,344 2,396 SH SOLE 0 2,396 0 0
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807 47,016,945 1,097,757 SH SOLE 0 1,066,717 0 31,040
VANGUARD VALUE ETF ETF 922908744 2,272,341 12,857 SH SOLE 0 12,856 0 0
DIMENSIONAL CORE FIXED INCOME ETF ETF 25434V872 119,331,802 2,823,753 SH SOLE 0 2,758,142 0 65,611
NUVEEN ESG DIVIDEND ETF ETF 67092P813 419,243 14,785 SH SOLE 0 14,785 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 143,031,285 1,059,177 SH SOLE 0 1,033,161 0 26,016
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 46,836,911 931,707 SH SOLE 0 910,606 0 21,101
ISHARES CORE MSCI EAFE ETF ETF 46432F842 66,985,319 802,412 SH SOLE 0 782,329 0 20,082
NVIDIA CORPORATION COM Stock 67066G104 708,204 4,483 SH SOLE 0 4,482 0 0
ISHARES SHORT TREASURY BOND ETF ETF 464288679 72,568,171 657,201 SH SOLE 0 642,082 0 15,119
WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND ETF 97717W778 590,807 7,845 SH SOLE 0 7,845 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 336,108 5,599 SH SOLE 0 1,597 0 4,002
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 238,708 3,242 SH SOLE 0 3,242 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 2,236,208 33,267 SH SOLE 0 33,267 0 0
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863 236,861 6,047 SH SOLE 0 6,047 0 0
DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF ETF 25434V633 655,917 13,310 SH SOLE 0 13,310 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 29,140,133 588,571 SH SOLE 0 574,538 0 14,032
CAPITAL ONE FINL CORP COM Stock 14040H105 297,226 1,397 SH SOLE 0 1,397 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307 3,747,473 45,623 SH SOLE 0 45,623 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 352,863,239 4,562,493 SH SOLE 0 4,452,908 0 109,585
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 1,016,734 20,286 SH SOLE 0 20,286 0 0
GE VERNOVA INC COM Stock 36828A101 325,427 615 SH SOLE 0 615 0 0
GE AEROSPACE COM NEW Stock 369604301 622,112 2,417 SH SOLE 0 2,417 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 29,821,964 163,122 SH SOLE 0 158,498 0 4,624
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 387,412 2,912 SH SOLE 0 2,912 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 415,854 2,128 SH SOLE 0 2,128 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 2,427,155 22,045 SH SOLE 0 22,045 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 187,780,379 302,433 SH SOLE 0 295,304 0 7,128
FLEX LTD ORD Stock Y2573F102 636,879 12,758 SH SOLE 0 12,758 0 0
WELLS FARGO CO NEW COM Stock 949746101 280,180 3,497 SH SOLE 0 3,497 0 0
UNION PAC CORP COM Stock 907818108 267,123 1,161 SH SOLE 0 1,161 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 2,386,560 5,153 SH SOLE 0 5,153 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100 436,025 1,504 SH SOLE 0 1,504 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 329,238 5,775 SH SOLE 0 5,775 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 220,154 1,622 SH SOLE 0 1,622 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 561,851 1,906 SH SOLE 0 1,906 0 0
RTX CORPORATION COM Stock 75513E101 202,092 1,384 SH SOLE 0 1,384 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 602,225 12,176 SH SOLE 0 12,176 0 0
MORGAN STANLEY COM NEW Stock 617446448 325,668 2,312 SH SOLE 0 2,312 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 1,373,011 12,128 SH SOLE 0 12,128 0 0
HP INC COM Stock 40434L105 313,088 12,800 SH SOLE 0 12,800 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 28,284,780 138,197 SH SOLE 0 134,884 0 3,313
ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF ETF 46434V878 2,077,538 40,969 SH SOLE 0 40,969 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 8,459,830 127,792 SH SOLE 0 127,792 0 0
VANGUARD LONG-TERM BOND ETF ETF 921937793 764,940 11,000 SH SOLE 0 11,000 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 165,621,942 2,104,472 SH SOLE 0 2,057,400 0 47,071
AGILENT TECHNOLOGIES INC COM Stock 00846U101 287,944 2,440 SH SOLE 0 2,440 0 0
EXXON MOBIL CORP COM Stock 30231G102 248,910 2,309 SH SOLE 0 2,309 0 0
CARDINAL HEALTH INC COM Stock 14149Y108 288,288 1,716 SH SOLE 0 1,716 0 0
ISHARES MSCI EAFE ETF ETF 464287465 3,142,237 35,152 SH SOLE 0 35,152 0 0
APPLE INC COM Stock 037833100 634,460 3,092 SH SOLE 0 2,792 0 300
ISHARES RUSSELL 1000 ETF ETF 464287622 235,662 694 SH SOLE 0 694 0 0