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
3M CO COM 88579Y101 277,582 1,835 SH SOLE 0 0 1,835
AMAZON COM INC COM 023135106 330,033 1,426 SH SOLE 0 0 1,426
APPLE INC COM 037833100 531,317 2,484 SH SOLE 0 0 2,484
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,330,762 4,815 SH SOLE 0 0 4,815
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 213,021 6,982 SH SOLE 0 0 6,982
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 1,669,783 29,754 SH SOLE 0 0 29,754
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 617,673 16,997 SH SOLE 0 0 16,997
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 367,136 5,288 SH SOLE 0 0 5,288
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 649,151 12,309 SH SOLE 0 0 12,309
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 609,339 14,512 SH SOLE 0 0 14,512
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 990,848 32,497 SH SOLE 0 0 32,497
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757 555,588 19,399 SH SOLE 0 0 19,399
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 508,921 16,507 SH SOLE 0 0 16,507
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,840,756 162,605 SH SOLE 1,605 0 161,000
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583 1,426,666 26,225 SH SOLE 0 0 26,225
DIMENSIONAL ETF TRUST GLOBAL CR ETF 25434V567 1,143,118 21,054 SH SOLE 0 0 21,054
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 331,422 12,149 SH SOLE 0 0 12,149
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 271,099 6,491 SH SOLE 0 0 6,491
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 9,657,258 274,510 SH SOLE 2,228 0 272,282
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 3,067,999 96,767 SH SOLE 0 0 96,767
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 1,041,360 34,992 SH SOLE 0 0 34,992
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,046,523 30,834 SH SOLE 0 0 30,834
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 646,777 13,500 SH SOLE 0 0 13,500
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 34,639,606 791,943 SH SOLE 6,973 0 784,970
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 11,846,827 319,580 SH SOLE 0 0 319,580
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 3,122,560 85,433 SH SOLE 0 0 85,433
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 292,156 4,427 SH SOLE 0 0 4,427
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 2,600,260 84,424 SH SOLE 0 0 84,424
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 515,568 17,134 SH SOLE 0 0 17,134
DNP SELECT INCOME FD INC COM 23325P104 121,274 12,337 SH SOLE 1,283 0 11,054
INDIVIOR PLC ORD G4766E116 179,970 10,500 SH SOLE 0 0 10,500
ISHARES GOLD TR ISHARES NEW 464285204 303,352 4,822 SH SOLE 0 0 4,822
ISHARES INC CORE MSCI EMKT 46434G103 1,000,773 16,273 SH SOLE 0 0 16,273
ISHARES TR 0-5YR HI YL CP 46434V407 445,465 10,343 SH SOLE 1,232 0 9,111
ISHARES TR 1 3 YR TREAS BD 464287457 344,647 4,175 SH SOLE 0 0 4,175
ISHARES TR 10-20 YR TRS ETF 464288653 848,565 8,486 SH SOLE 0 0 8,486
ISHARES TR 7-10 YR TRSY BD 464287440 554,585 5,854 SH SOLE 0 0 5,854
ISHARES TR BROAD USD HIGH 46435U853 220,883 5,901 SH SOLE 0 0 5,901
ISHARES TR CALIF MUN BD ETF 464288356 726,496 13,137 SH SOLE 0 0 13,137
ISHARES TR CORE DIV GRWTH 46434V621 629,514 9,570 SH SOLE 0 0 9,570
ISHARES TR CORE INTL AGGR 46435G672 714,178 14,014 SH SOLE 0 0 14,014
ISHARES TR CORE MSCI EAFE 46432F842 1,002,913 11,832 SH SOLE 359 0 11,473
ISHARES TR CORE MSCI EURO 46434V738 325,702 4,851 SH SOLE 0 0 4,851
ISHARES TR CORE S&P TTL STK 464287150 263,425 1,891 SH SOLE 0 0 1,891
ISHARES TR CORE S&P500 ETF 464287200 3,419,623 5,343 SH SOLE 0 0 5,343
ISHARES TR CORE TOTAL USD 46434V613 3,269,803 71,160 SH SOLE 0 0 71,160
ISHARES TR EAFE GRWTH ETF 464288885 1,095,623 9,774 SH SOLE 0 0 9,774
ISHARES TR EAFE VALUE ETF 464288877 1,642,611 25,155 SH SOLE 0 0 25,155
ISHARES TR ESG AWR MSCI USA 46435G425 1,001,573 7,198 SH SOLE 0 0 7,198
ISHARES TR ESG AWR US AGRGT 46435U549 211,242 4,476 SH SOLE 0 0 4,476
ISHARES TR ESG AWRE USD ETF 46435G193 244,856 10,588 SH SOLE 0 0 10,588
ISHARES TR ESG MSCI KLD 400 464288570 247,112 2,049 SH SOLE 0 0 2,049
ISHARES TR ESG MSCI USA ETF 46436E767 216,350 3,870 SH SOLE 0 0 3,870
ISHARES TR FALN ANGLS USD 46435G474 360,106 13,283 SH SOLE 0 0 13,283
ISHARES TR FLTG RATE NT ETF 46429B655 643,134 12,594 SH SOLE 0 0 12,594
ISHARES TR GLOBAL TECH ETF 464287291 245,990 2,576 SH SOLE 0 0 2,576
ISHARES TR HIGH YLD SYSTM B 46435G250 231,385 4,879 SH SOLE 0 0 4,879
ISHARES TR IBOXX INV CP ETF 464287242 574,247 5,269 SH SOLE 0 0 5,269
ISHARES TR INVESTMENT GRADE 46435G219 1,036,201 22,899 SH SOLE 0 0 22,899
ISHARES TR ISHS 1-5YR INVS 464288646 375,174 7,129 SH SOLE 0 0 7,129
ISHARES TR JPMORGAN USD EMG 464288281 297,789 3,212 SH SOLE 0 0 3,212
ISHARES TR MBS ETF 464288588 1,274,124 13,681 SH SOLE 0 0 13,681
ISHARES TR MSCI USA MMENTM 46432F396 485,321 2,011 SH SOLE 0 0 2,011
ISHARES TR MSCI USA QLT FCT 46432F339 2,535,370 13,566 SH SOLE 0 0 13,566
ISHARES TR NATIONAL MUN ETF 464288414 755,215 7,288 SH SOLE 0 0 7,288
ISHARES TR S&P 100 ETF 464287101 667,107 2,124 SH SOLE 23 0 2,101
ISHARES TR S&P 500 GRWT ETF 464287309 1,681,449 14,768 SH SOLE 0 0 14,768
ISHARES TR S&P 500 VAL ETF 464287408 1,350,307 6,732 SH SOLE 0 0 6,732
ISHARES TR TRS FLT RT BD 46434V860 942,033 18,606 SH SOLE 0 0 18,606
ISHARES TR U.S. TECH ETF 464287721 563,890 3,133 SH SOLE 0 0 3,133
ISHARES TR US TREAS BD ETF 46429B267 265,309 11,644 SH SOLE 0 0 11,644
ISHARES U S ETF TR INT RT HDG C B 46431W705 424,605 4,563 SH SOLE 0 0 4,563
MICROSOFT CORP COM 594918104 498,687 971 SH SOLE 0 0 971
MICROVAST HOLDINGS INC COM 59516C106 120,282 36,339 SH SOLE 0 0 36,339
NVIDIA CORPORATION COM 67066G104 486,793 2,806 SH SOLE 0 0 2,806
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,278,033 42,305 SH SOLE 0 0 42,305
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,771,512 329,385 SH SOLE 0 0 329,385
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 256,781 2,386 SH SOLE 0 0 2,386
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 512,333 9,587 SH SOLE 0 0 9,587
SELECT SECTOR SPDR TR INDL 81369Y704 253,498 1,636 SH SOLE 0 0 1,636
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 274,213 2,009 SH SOLE 0 0 2,009
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 439,522 1,678 SH SOLE 0 0 1,678
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 224,227 2,992 SH SOLE 0 0 2,992
TESLA INC COM 88160R101 519,874 1,645 SH SOLE 39 0 1,606
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 442,808 5,648 SH SOLE 0 0 5,648
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,077,399 41,698 SH SOLE 0 0 41,698
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 347,883 594 SH SOLE 0 0 594
VANGUARD INDEX FDS TOTAL STK MKT 922908769 267,980 854 SH SOLE 0 0 854
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 15,311,380 222,097 SH SOLE 2,829 0 219,268
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 225,852 3,893 SH SOLE 0 0 3,893
WALMART INC COM 931142103 459,066 4,710 SH SOLE 0 0 4,710