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
APPLE INC COM 037833100 633,057 3,086 SH SOLE 3,086 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,659,627 327,304 SH SOLE 327,304 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,402,087 129,440 SH SOLE 129,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 44,784,621 147,352 SH SOLE 147,352 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,506,160 42,000 SH SOLE 42,000 0 0
ISHARES TR CORE S&P TTL STK 464287150 13,000,225 96,269 SH SOLE 96,269 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,638,599 44,397 SH SOLE 44,397 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,162,831 27,207 SH SOLE 27,207 0 0
ISHARES TR CORE S&P MCP ETF 464287507 337,886 5,448 SH SOLE 5,448 0 0
ISHARES TR CORE S&P SCP ETF 464287804 401,317 3,672 SH SOLE 3,672 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 536,901 4,876 SH SOLE 4,876 0 0
ISHARES TR S&P 500 VAL ETF 464287408 369,137 1,889 SH SOLE 1,889 0 0
ORACLE CORP COM 68389X105 823,798 3,768 SH SOLE 3,768 0 0
PIMCO CALIF MUN INCOME FD COM 72200N106 332,545 38,713 SH SOLE 38,713 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 793,331 27,404 SH SOLE 27,404 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,172,828 62,853 SH SOLE 62,853 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 6,030,893 142,372 SH SOLE 142,372 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 27,820,327 377,840 SH SOLE 377,840 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,629,615 93,509 SH SOLE 93,509 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,648,613 33,655 SH SOLE 33,655 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,794,626 22,574 SH SOLE 22,574 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 219,185 4,360 SH SOLE 4,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 745,174 28,120 SH SOLE 28,120 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,297,915 148,846 SH SOLE 148,846 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 335,189 1,137 SH SOLE 1,137 0 0
MICROSOFT CORP COM 594918104 2,839,012 5,708 SH SOLE 5,708 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 211,509 6,803 SH SOLE 6,803 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,865,292 52,045 SH SOLE 52,045 0 0
AMAZON COM INC COM 023135106 399,290 1,820 SH SOLE 1,820 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 528,453 4,478 SH SOLE 4,478 0 0
GE AEROSPACE COM NEW 369604301 309,125 1,201 SH SOLE 1,201 0 0
GE VERNOVA INC COM 36828A101 300,557 568 SH SOLE 568 0 0
MCDONALDS CORP COM 580135101 300,935 1,030 SH SOLE 1,030 0 0
NVIDIA CORPORATION COM 67066G104 368,433 2,332 SH SOLE 2,332 0 0
PFIZER INC COM 717081103 264,216 10,900 SH SOLE 10,900 0 0
SOUTHERN CO COM 842587107 383,115 4,172 SH SOLE 4,172 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 806,295 1,839 SH SOLE 1,839 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,443,300 2,541 SH SOLE 2,541 0 0
KONTOOR BRANDS INC COM 50050N103 254,974 3,865 SH SOLE 3,865 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 554,753 13,701 SH SOLE 13,701 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 1,534,425 2,313 SH SOLE 2,313 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 277,591 992 SH SOLE 992 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 646,161 3,656 SH SOLE 3,656 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 366,509 1,791 SH SOLE 1,791 0 0
COCA COLA CO COM 191216100 557,227 7,876 SH SOLE 7,876 0 0
MASTERCARD INCORPORATED CL A 57636Q104 416,398 741 SH SOLE 741 0 0
VISA INC COM CL A 92826C839 1,793,358 5,051 SH SOLE 5,051 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 438,115 18,385 SH SOLE 18,385 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 417,943 8,591 SH SOLE 8,591 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 223,509 4,297 SH SOLE 4,297 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 424,467 5,299 SH SOLE 5,299 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 487,493 7,056 SH SOLE 7,056 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 400,274 824 SH SOLE 824 0 0
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 387,464 4,263 SH SOLE 4,263 0 0
TESLA INC COM 88160R101 224,586 707 SH SOLE 707 0 0
ISHARES TR CORE S&P500 ETF 464287200 316,094 509 SH SOLE 509 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 667,287 1,080 SH SOLE 1,080 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 300,089 10,218 SH SOLE 10,218 0 0
NICE LTD SPONSORED ADR 653656108 484,265 2,867 SH SOLE 2,867 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 498,028 9,060 SH SOLE 9,060 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 215,313 1,964 SH SOLE 1,964 0 0