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
ABBVIE INC COM 00287Y109 440,622 2,480 SH SOLE 0 0 2,480
ALPHABET INC CAP STK CL A 02079K305 837,163 4,422 SH SOLE 0 0 4,422
ALPHABET INC CAP STK CL C 02079K107 605,998 3,182 SH SOLE 0 0 3,182
AMAZON COM INC COM 023135106 1,379,306 6,287 SH SOLE 0 0 6,287
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 401,940 6,837 SH SOLE 0 0 6,837
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 326,572 5,018 SH SOLE 0 0 5,018
AMERICAN CENTY ETF TR US SML CP VALU 025072877 308,221 3,193 SH SOLE 0 0 3,193
AMERICAN EXPRESS CO COM 025816109 1,630,814 5,495 SH SOLE 0 0 5,495
AMERIPRISE FINL INC COM 03076C106 482,382 906 SH SOLE 0 0 906
APPLE INC COM 037833100 3,994,811 15,952 SH SOLE 0 0 15,952
AT&T INC COM 00206R102 228,475 10,034 SH SOLE 0 0 10,034
BOOKING HOLDINGS INC COM 09857L108 203,706 41 SH SOLE 0 0 41
BROADCOM INC COM 11135F101 419,936 1,811 SH SOLE 0 0 1,811
CATERPILLAR INC COM 149123101 237,045 653 SH SOLE 0 0 653
CHEVRON CORP NEW COM 166764100 324,297 2,239 SH SOLE 0 0 2,239
CISCO SYS INC COM 17275R102 310,147 5,239 SH SOLE 0 0 5,239
COCA COLA CO COM 191216100 247,066 3,968 SH SOLE 0 0 3,968
COLGATE PALMOLIVE CO COM 194162103 304,549 3,350 SH SOLE 0 0 3,350
CONOCOPHILLIPS COM 20825C104 510,140 5,144 SH SOLE 0 0 5,144
CORTEVA INC COM 22052L104 217,837 3,824 SH SOLE 0 0 3,824
COSTCO WHSL CORP NEW COM 22160K105 411,578 449 SH SOLE 0 0 449
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 1,075,401 32,459 SH SOLE 0 0 32,459
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 12,814,242 489,279 SH SOLE 0 0 489,279
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 12,380,069 472,342 SH SOLE 0 0 472,342
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,170,247 46,127 SH SOLE 0 0 46,127
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 1,421,840 43,282 SH SOLE 0 0 43,282
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,158,617 117,211 SH SOLE 0 0 117,211
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 581,140 19,902 SH SOLE 0 0 19,902
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 15,615,580 604,201 SH SOLE 0 0 604,201
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 2,026,895 76,285 SH SOLE 0 0 76,285
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 23,121,050 668,432 SH SOLE 0 0 668,432
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 2,297,001 36,032 SH SOLE 0 0 36,032
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 287,421 7,024 SH SOLE 0 0 7,024
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 3,135,590 48,181 SH SOLE 0 0 48,181
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 2,014,707 65,455 SH SOLE 0 0 65,455
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,218,960 32,162 SH SOLE 0 0 32,162
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 18,732,872 336,559 SH SOLE 0 0 336,559
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,940,026 319,390 SH SOLE 0 0 319,390
DUPONT DE NEMOURS INC COM 26614N102 252,617 3,313 SH SOLE 0 0 3,313
EA SERIES TRUST FREEDOM 100 EM 02072L607 223,540 6,841 SH SOLE 0 0 6,841
ELI LILLY & CO COM 532457108 879,308 1,139 SH SOLE 0 0 1,139
EMERSON ELEC CO COM 291011104 328,227 2,648 SH SOLE 0 0 2,648
EXXON MOBIL CORP COM 30231G102 255,766 2,378 SH SOLE 0 0 2,378
FLEXSHARES TR MSTAR EMKT FAC 33939L308 332,611 6,528 SH SOLE 0 0 6,528
GE AEROSPACE COM NEW 369604301 491,364 2,946 SH SOLE 0 0 2,946
GE VERNOVA INC COM 36828A101 360,837 1,097 SH SOLE 0 0 1,097
HOME DEPOT INC COM 437076102 345,978 889 SH SOLE 0 0 889
INTERNATIONAL BUSINESS MACHS COM 459200101 365,158 1,661 SH SOLE 0 0 1,661
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 249,807 15,260 SH SOLE 0 0 15,260
INVESCO QQQ TR UNIT SER 1 46090E103 1,558,233 3,048 SH SOLE 0 0 3,048
ISHARES INC CORE MSCI EMKT 46434G103 717,988 13,749 SH SOLE 0 0 13,749
ISHARES INC ESG AWR MSCI EM 46434G863 411,279 12,317 SH SOLE 0 0 12,317
ISHARES INC INTL HIGH YIELD 464286210 353,726 7,524 SH SOLE 0 0 7,524
ISHARES INC MSCI EMERG MRKT 464286533 692,633 11,944 SH SOLE 0 0 11,944
ISHARES TR CORE DIV GRWTH 46434V621 2,630,915 42,891 SH SOLE 0 0 42,891
ISHARES TR CORE MSCI EAFE 46432F842 2,588,595 36,833 SH SOLE 0 0 36,833
ISHARES TR CORE S&P TTL STK 464287150 422,452 3,284 SH SOLE 0 0 3,284
ISHARES TR EAFE VALUE ETF 464288877 240,786 4,589 SH SOLE 0 0 4,589
ISHARES TR ESG AW MSCI EAFE 46435G516 886,800 11,647 SH SOLE 0 0 11,647
ISHARES TR ESG AWARE MSCI 46435U663 1,041,250 24,762 SH SOLE 0 0 24,762
ISHARES TR ESG SCRND S&P SM 46436E544 500,206 12,161 SH SOLE 0 0 12,161
ISHARES TR IBONDS 25 TRM TS 46436E866 473,094 20,287 SH SOLE 0 0 20,287
ISHARES TR IBONDS 27 TRM TS 46436E841 514,232 23,167 SH SOLE 0 0 23,167
ISHARES TR IBONDS 28 TRM TS 46436E833 242,430 11,068 SH SOLE 0 0 11,068
ISHARES TR IBONDS 29 TRM TS 46436E825 296,223 13,890 SH SOLE 0 0 13,890
ISHARES TR RUSSELL 2000 ETF 464287655 234,032 1,059 SH SOLE 0 0 1,059
ISHARES TR S&P MC 400VL ETF 464287705 823,259 6,588 SH SOLE 0 0 6,588
ISHARES TR S&P SML 600 GWT 464287887 283,363 2,093 SH SOLE 0 0 2,093
ISHARES TR SP SMCP600VL ETF 464287879 5,591,149 51,479 SH SOLE 0 0 51,479
ISHARES TR CORE MSCI TOTAL 46432F834 1,190,190 17,995 SH SOLE 0 0 17,995
ISHARES TR CORE S&P500 ETF 464287200 347,791 591 SH SOLE 0 0 591
ISHARES TR EGSADVNCDMSCI EM 46436E742 244,195 6,552 SH SOLE 0 0 6,552
ISHARES TR ESG SCRND S&P500 46436E569 518,859 11,454 SH SOLE 0 0 11,454
ISHARES TR RUS 1000 ETF 464287622 1,568,177 4,868 SH SOLE 0 0 4,868
ISHARES TR RUS 1000 GRW ETF 464287614 1,641,560 4,088 SH SOLE 0 0 4,088
ISHARES TR RUS 1000 VAL ETF 464287598 987,466 5,334 SH SOLE 0 0 5,334
ISHARES TR S&P 100 ETF 464287101 292,396 1,012 SH SOLE 0 0 1,012
ISHARES TR S&P 500 GRWT ETF 464287309 263,059 2,591 SH SOLE 0 0 2,591
ISHARES TR S&P 500 VAL ETF 464287408 268,760 1,408 SH SOLE 0 0 1,408
JOHNSON & JOHNSON COM 478160104 652,365 4,511 SH SOLE 0 0 4,511
JPMORGAN CHASE & CO. COM 46625H100 355,781 1,484 SH SOLE 0 0 1,484
MCDONALDS CORP COM 580135101 421,316 1,453 SH SOLE 0 0 1,453
MERCK & CO INC COM 58933Y105 518,247 5,209 SH SOLE 0 0 5,209
META PLATFORMS INC CL A 30303M102 377,452 645 SH SOLE 0 0 645
MICROSOFT CORP COM 594918104 1,762,463 4,181 SH SOLE 0 0 4,181
NVIDIA CORPORATION COM 67066G104 761,454 5,670 SH SOLE 0 0 5,670
ORACLE CORP COM 68389X105 328,891 1,974 SH SOLE 0 0 1,974
PEPSICO INC COM 713448108 518,437 3,409 SH SOLE 0 0 3,409
PROCTER AND GAMBLE CO COM 742718109 442,169 2,637 SH SOLE 0 0 2,637
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 217,731 2,577 SH SOLE 0 0 2,577
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,082,012 78,183 SH SOLE 0 0 78,183
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 1,565,133 53,877 SH SOLE 0 0 53,877
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,485,318 188,395 SH SOLE 0 0 188,395
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,943,202 129,657 SH SOLE 0 0 129,657
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,066,031 112,226 SH SOLE 0 0 112,226
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,651,889 274,556 SH SOLE 0 0 274,556
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,290,798 87,871 SH SOLE 0 0 87,871
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,478,320 193,198 SH SOLE 0 0 193,198
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,890,790 68,235 SH SOLE 0 0 68,235
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,987,566 192,868 SH SOLE 0 0 192,868
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 518,907 15,625 SH SOLE 0 0 15,625
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 203,509 5,961 SH SOLE 0 0 5,961
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 543,035 18,284 SH SOLE 0 0 18,284
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 2,610,384 6,135 SH SOLE 0 0 6,135
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,595,979 41,594 SH SOLE 0 0 41,594
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 635,444 18,014 SH SOLE 0 0 18,014
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,480,989 2,527 SH SOLE 0 0 2,527
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,472,008 18,354 SH SOLE 0 0 18,354
SPDR SER TR S&P 600 SMCP VAL 78464A300 7,227,587 82,837 SH SOLE 0 0 82,837
SPDR SER TR PORTFOLI S&P1500 78464A805 998,163 13,974 SH SOLE 0 0 13,974
TESLA INC COM 88160R101 214,440 531 SH SOLE 0 0 531
TEXAS INSTRS INC COM 882508104 298,219 1,590 SH SOLE 0 0 1,590
UNITEDHEALTH GROUP INC COM 91324P102 274,473 543 SH SOLE 0 0 543
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 381,137 3,989 SH SOLE 0 0 3,989
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 853,537 5,276 SH SOLE 0 0 5,276
VANGUARD INDEX FDS MID CAP ETF 922908629 826,066 3,128 SH SOLE 0 0 3,128
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,180,827 13,256 SH SOLE 0 0 13,256
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,843,908 24,442 SH SOLE 0 0 24,442
VANGUARD INDEX FDS SMALL CP ETF 922908751 659,762 2,745 SH SOLE 0 0 2,745
VANGUARD INDEX FDS TOTAL STK MKT 922908769 383,302 1,323 SH SOLE 0 0 1,323
VANGUARD INDEX FDS GROWTH ETF 922908736 281,837 687 SH SOLE 0 0 687
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 519,014 11,785 SH SOLE 0 0 11,785
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,203,472 10,244 SH SOLE 0 0 10,244
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,016,828 10,299 SH SOLE 0 0 10,299
VANGUARD STAR FDS VG TL INTL STK F 921909768 651,776 11,061 SH SOLE 0 0 11,061
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,067,036 8,363 SH SOLE 0 0 8,363
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,236,868 47,686 SH SOLE 0 0 47,686
VISA INC COM CL A 92826C839 747,274 2,364 SH SOLE 0 0 2,364
WALMART INC COM 931142103 444,831 4,923 SH SOLE 0 0 4,923