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
ABBOTT LABS COM 002824100 502,822 3,754 SH SOLE 0 0 3,754
ABBVIE INC COM 00287Y109 1,048,572 4,529 SH SOLE 0 0 4,529
ADOBE INC COM 00724F101 526,303 1,492 SH SOLE 0 0 1,492
ADT INC DEL COM 00090Q103 178,024 20,439 SH SOLE 0 0 20,439
AIRBNB INC COM CL A 009066101 241,626 1,990 SH SOLE 0 0 1,990
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 714,920 4,000 SH SOLE 0 0 4,000
ALNYLAM PHARMACEUTICALS INC COM 02043Q107 214,776 471 SH SOLE 0 0 471
ALPHABET INC CAP STK CL A 02079K305 2,879,699 11,846 SH SOLE 0 0 11,846
ALPHABET INC CAP STK CL C 02079K107 2,128,811 8,741 SH SOLE 0 0 8,741
AMAZON COM INC COM 023135106 2,685,418 12,230 SH SOLE 0 0 12,230
AMBEV SA SPONSORED ADR 02319V103 39,681 17,794 SH SOLE 0 0 17,794
AMETEK INC COM 031100100 290,555 1,546 SH SOLE 0 0 1,546
AMPHENOL CORP NEW CL A 032095101 339,199 2,741 SH SOLE 0 0 2,741
APPLE INC COM 037833100 23,484,487 92,230 SH SOLE 0 0 92,230
ARISTA NETWORKS INC COM SHS 040413205 253,390 1,739 SH SOLE 0 0 1,739
ASML HOLDING N V N Y REGISTRY SHS N07059210 409,502 423 SH SOLE 0 0 423
ASTRAZENECA PLC SPONSORED ADR 046353108 374,394 4,880 SH SOLE 0 0 4,880
AT&T INC COM 00206R102 410,971 14,553 SH SOLE 0 0 14,553
AUTOMATIC DATA PROCESSING IN COM 053015103 308,235 1,050 SH SOLE 0 0 1,050
AUTOZONE INC COM 053332102 261,705 61 SH SOLE 0 0 61
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 211,307 10,977 SH SOLE 0 0 10,977
BANCO BRADESCO S A SP ADR PFD NEW 059460303 99,284 29,374 SH SOLE 0 0 29,374
BANCO SANTANDER S.A. ADR 05964H105 298,041 28,439 SH SOLE 0 0 28,439
BANK AMERICA CORP COM 060505104 642,058 12,445 SH SOLE 0 0 12,445
BANK NEW YORK MELLON CORP COM 064058100 262,594 2,410 SH SOLE 0 0 2,410
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,420,743 2,826 SH SOLE 0 0 2,826
BEST BUY INC COM 086516101 202,359 2,676 SH SOLE 0 0 2,676
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104 328,646 5,282 SH SOLE 0 0 5,282
BLACKROCK INC COM 09290D101 228,220 196 SH SOLE 0 0 196
BLACKSTONE INC COM 09260D107 323,542 1,894 SH SOLE 0 0 1,894
BOOKING HOLDINGS INC COM 09857L108 237,568 44 SH SOLE 0 0 44
BRISTOL-MYERS SQUIBB CO COM 110122108 368,512 8,171 SH SOLE 0 0 8,171
BROADCOM INC COM 11135F101 1,775,594 5,382 SH SOLE 0 0 5,382
CAPITAL ONE FINL CORP COM 14040H105 551,858 2,596 SH SOLE 0 0 2,596
CHEVRON CORP NEW COM 166764100 710,182 4,573 SH SOLE 0 0 4,573
CHUBB LIMITED COM H1467J104 294,669 1,044 SH SOLE 0 0 1,044
CITIGROUP INC COM NEW 172967424 520,997 5,133 SH SOLE 0 0 5,133
COCA COLA CO COM 191216100 278,778 4,204 SH SOLE 0 0 4,204
COMFORT SYS USA INC COM 199908104 216,197 262 SH SOLE 0 0 262
CONSTELLATION ENERGY CORP COM 21037T109 312,139 949 SH SOLE 0 0 949
COSTCO WHSL CORP NEW COM 22160K105 982,561 1,062 SH SOLE 0 0 1,062
CROWDSTRIKE HLDGS INC CL A 22788C105 273,142 557 SH SOLE 0 0 557
D R HORTON INC COM 23331A109 226,581 1,337 SH SOLE 0 0 1,337
DEVON ENERGY CORP NEW COM 25179M103 411,243 11,730 SH SOLE 0 0 11,730
EATON CORP PLC SHS G29183103 342,439 915 SH SOLE 0 0 915
EBAY INC. COM 278642103 233,378 2,566 SH SOLE 0 0 2,566
ELI LILLY & CO COM 532457108 360,136 472 SH SOLE 0 0 472
EVEREST GROUP LTD COM G3223R108 237,106 677 SH SOLE 0 0 677
EXPEDIA GROUP INC COM NEW 30212P303 476,449 2,229 SH SOLE 0 0 2,229
EXTRA SPACE STORAGE INC COM 30225T102 203,940 1,447 SH SOLE 0 0 1,447
EXXON MOBIL CORP COM 30231G102 482,487 4,279 SH SOLE 0 0 4,279
FEDEX CORP COM 31428X106 256,854 1,089 SH SOLE 0 0 1,089
FOX CORP CL A COM 35137L105 249,276 3,953 SH SOLE 0 0 3,953
GE AEROSPACE COM NEW 369604301 413,960 1,376 SH SOLE 0 0 1,376
GE VERNOVA INC COM 36828A101 303,146 493 SH SOLE 0 0 493
GENERAL DYNAMICS CORP COM 369550108 350,360 1,027 SH SOLE 0 0 1,027
GENERAL MTRS CO COM 37045V100 204,006 3,346 SH SOLE 0 0 3,346
GENUINE PARTS CO COM 372460105 233,957 1,688 SH SOLE 0 0 1,688
GOLDMAN SACHS GROUP INC COM 38141G104 375,567 472 SH SOLE 0 0 472
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 11,456,961 226,288 SH SOLE 0 0 226,288
GRAYSCALE ETHEREUM MINI TR E SHS NEW 38964R203 1,420,275 36,250 SH SOLE 0 0 36,250
HARTFORD INSURANCE GROUP INC COM 416515104 307,731 2,307 SH SOLE 0 0 2,307
HCA HEALTHCARE INC COM 40412C101 291,947 685 SH SOLE 0 0 685
HDFC BANK LTD SPONSORED ADS 40415F101 212,407 6,218 SH SOLE 0 0 6,218
HOME DEPOT INC COM 437076102 621,979 1,535 SH SOLE 0 0 1,535
HSBC HLDGS PLC SPON ADR NEW 404280406 512,831 7,225 SH SOLE 0 0 7,225
HURON CONSULTING GROUP INC COM 447462102 327,884 2,234 SH SOLE 0 0 2,234
ICICI BANK LIMITED ADR 45104G104 221,072 7,313 SH SOLE 0 0 7,313
INTEL CORP COM 458140100 379,020 11,297 SH SOLE 0 0 11,297
INTUIT COM 461202103 269,245 394 SH SOLE 0 0 394
INTUITIVE SURGICAL INC COM NEW 46120E602 395,351 884 SH SOLE 0 0 884
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 26,023,892 137,184 SH SOLE 0 0 137,184
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 3,441,555 52,947 SH SOLE 0 0 52,947
ISHARES INC CORE MSCI EMKT 46434G103 336,659 5,107 SH SOLE 0 0 5,107
ISHARES INC MSCI GBL GOLD MN 46434G855 246,545 3,810 SH SOLE 0 0 3,810
ISHARES TR CORE MSCI INTL 46435G326 51,086,328 637,225 SH SOLE 0 0 637,225
ISHARES TR S&P 500 GRWT ETF 464287309 1,586,645 13,143 SH SOLE 0 0 13,143
ISHARES TR CORE S&P500 ETF 464287200 2,309,586 3,451 SH SOLE 0 0 3,451
ISHARES TR CORE MSCI EAFE 46432F842 18,929,691 216,810 SH SOLE 0 0 216,810
ISHARES TR RUS 1000 GRW ETF 464287614 376,742 804 SH SOLE 0 0 804
ISHARES TR SHRT NAT MUN ETF 464288158 479,697 4,492 SH SOLE 0 0 4,492
ISHARES TR MSCI EAFE ETF 464287465 301,136 3,225 SH SOLE 0 0 3,225
ISHARES TR RUS 2000 GRW ETF 464287648 1,137,778 3,555 SH SOLE 0 0 3,555
ISHARES TR CORE S&P TTL STK 464287150 208,393 1,431 SH SOLE 0 0 1,431
ISHARES TR NATIONAL MUN ETF 464288414 1,696,606 15,932 SH SOLE 0 0 15,932
ISHARES TR BROAD USD HIGH 46435U853 2,964,786 78,475 SH SOLE 0 0 78,475
ISHARES TR CORE S&P SCP ETF 464287804 13,743,387 115,656 SH SOLE 0 0 115,656
JOHNSON & JOHNSON COM 478160104 970,761 5,235 SH SOLE 0 0 5,235
JPMORGAN CHASE & CO. COM 46625H100 1,299,633 4,120 SH SOLE 0 0 4,120
KINDER MORGAN INC DEL COM 49456B101 200,775 7,092 SH SOLE 0 0 7,092
LAM RESEARCH CORP COM NEW 512807306 289,492 2,162 SH SOLE 0 0 2,162
LINCOLN ELEC HLDGS INC COM 533900106 466,472 1,978 SH SOLE 0 0 1,978
LINDE PLC SHS G54950103 366,700 772 SH SOLE 0 0 772
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 126,271 27,813 SH SOLE 0 0 27,813
LYFT INC CL A COM 55087P104 266,915 12,127 SH SOLE 0 0 12,127
MARRIOTT INTL INC NEW CL A 571903202 290,704 1,116 SH SOLE 0 0 1,116
MARSH & MCLENNAN COS INC COM 571748102 214,629 1,065 SH SOLE 0 0 1,065
MASTERCARD INCORPORATED CL A 57636Q104 587,814 1,033 SH SOLE 0 0 1,033
MCDONALDS CORP COM 580135101 705,054 2,320 SH SOLE 0 0 2,320
MEDPACE HLDGS INC COM 58506Q109 219,032 426 SH SOLE 0 0 426
MERCK & CO INC COM 58933Y105 490,072 5,839 SH SOLE 0 0 5,839
META PLATFORMS INC CL A 30303M102 1,932,154 2,631 SH SOLE 0 0 2,631
MICRON TECHNOLOGY INC COM 595112103 334,975 2,002 SH SOLE 0 0 2,002
MICROSOFT CORP COM 594918104 5,955,497 11,498 SH SOLE 0 0 11,498
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 299,640 18,798 SH SOLE 0 0 18,798
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 133,142 19,872 SH SOLE 0 0 19,872
MOLINA HEALTHCARE INC COM 60855R100 210,687 1,101 SH SOLE 0 0 1,101
MOODYS CORP COM 615369105 967,731 2,031 SH SOLE 0 0 2,031
MUELLER INDS INC COM 624756102 327,799 3,242 SH SOLE 0 0 3,242
NETFLIX INC COM 64110L106 552,702 461 SH SOLE 0 0 461
NEWMONT CORP COM 651639106 240,536 2,853 SH SOLE 0 0 2,853
NORTHERN TR CORP COM 665859104 234,339 1,741 SH SOLE 0 0 1,741
NOVARTIS AG SPONSORED ADR 66987V109 406,521 3,170 SH SOLE 0 0 3,170
NVIDIA CORPORATION COM 67066G104 6,068,668 32,526 SH SOLE 0 0 32,526
ORACLE CORP COM 68389X105 479,513 1,705 SH SOLE 0 0 1,705
OREILLY AUTOMOTIVE INC COM 67103H107 396,310 3,676 SH SOLE 0 0 3,676
OTIS WORLDWIDE CORP COM 68902V107 279,935 3,062 SH SOLE 0 0 3,062
PALANTIR TECHNOLOGIES INC CL A 69608A108 4,150,785 22,754 SH SOLE 0 0 22,754
PALO ALTO NETWORKS INC COM 697435105 261,041 1,282 SH SOLE 0 0 1,282
PEPSICO INC COM 713448108 350,713 2,497 SH SOLE 0 0 2,497
PG&E CORP COM 69331C108 254,460 16,874 SH SOLE 0 0 16,874
PHILIP MORRIS INTL INC COM 718172109 360,202 2,221 SH SOLE 0 0 2,221
PHILLIPS 66 COM 718546104 211,264 1,553 SH SOLE 0 0 1,553
PINNACLE FINL PARTNERS INC COM 72346Q104 221,063 2,357 SH SOLE 0 0 2,357
PNC FINL SVCS GROUP INC COM 693475105 333,544 1,660 SH SOLE 0 0 1,660
PROCTER AND GAMBLE CO COM 742718109 548,026 3,567 SH SOLE 0 0 3,567
PULTE GROUP INC COM 745867101 248,801 1,883 SH SOLE 0 0 1,883
QUALCOMM INC COM 747525103 215,075 1,293 SH SOLE 0 0 1,293
ROBLOX CORP CL A 771049103 383,146 2,766 SH SOLE 0 0 2,766
ROYAL BK CDA COM 780087102 365,501 2,481 SH SOLE 0 0 2,481
SALESFORCE INC COM 79466L302 242,214 1,022 SH SOLE 0 0 1,022
SAP SE SPON ADR 803054204 382,378 1,431 SH SOLE 0 0 1,431
SCHWAB CHARLES CORP COM 808513105 263,306 2,758 SH SOLE 0 0 2,758
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,867,705 450,558 SH SOLE 0 0 450,558
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,295,447 78,854 SH SOLE 0 0 78,854
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,385,640 157,191 SH SOLE 0 0 157,191
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 314,449 9,423 SH SOLE 0 0 9,423
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 25,736,354 1,105,513 SH SOLE 0 0 1,105,513
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 937,243 17,398 SH SOLE 0 0 17,398
SERVICENOW INC COM 81762P102 253,997 276 SH SOLE 0 0 276
SHELL PLC SPON ADS 780259305 326,177 4,560 SH SOLE 0 0 4,560
SNOWFLAKE INC COM SHS 833445109 298,854 1,325 SH SOLE 0 0 1,325
SONY GROUP CORP SPONSORED ADR 835699307 342,227 11,887 SH SOLE 0 0 11,887
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,115,285 109,278 SH SOLE 0 0 109,278
SPDR S&P 500 ETF TR TR UNIT 78462F103 288,995 434 SH SOLE 0 0 434
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 36,214,540 346,517 SH SOLE 0 0 346,517
SPDR SERIES TRUST SSGA US LRG ETF 78468R804 727,321 4,082 SH SOLE 0 0 4,082
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739 471,677 9,782 SH SOLE 0 0 9,782
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 26,661,849 481,870 SH SOLE 0 0 481,870
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284 972,649 39,015 SH SOLE 0 0 39,015
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 573,212 7,317 SH SOLE 0 0 7,317
SYNCHRONY FINANCIAL COM 87165B103 391,770 5,514 SH SOLE 0 0 5,514
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,269,652 4,546 SH SOLE 0 0 4,546
TAPESTRY INC COM 876030107 238,328 2,105 SH SOLE 0 0 2,105
TECHNIPFMC PLC COM G87110105 220,486 5,589 SH SOLE 0 0 5,589
TESLA INC COM 88160R101 1,556,075 3,499 SH SOLE 0 0 3,499
TEXAS PACIFIC LAND CORPORATI COM 88262P102 360,132 386 SH SOLE 0 0 386
TJX COS INC NEW COM 872540109 220,408 1,525 SH SOLE 0 0 1,525
TORONTO DOMINION BK ONT COM NEW 891160509 267,833 3,350 SH SOLE 0 0 3,350
TOYOTA MOTOR CORP ADS 892331307 277,081 1,450 SH SOLE 0 0 1,450
TRAVELERS COMPANIES INC COM 89417E109 391,117 1,401 SH SOLE 0 0 1,401
UBER TECHNOLOGIES INC COM 90353T100 283,035 2,889 SH SOLE 0 0 2,889
UBIQUITI INC COM 90353W103 266,874 404 SH SOLE 0 0 404
UBS GROUP AG SHS H42097107 215,332 5,252 SH SOLE 0 0 5,252
UNILEVER PLC SPON ADR NEW 904767704 276,243 4,660 SH SOLE 0 0 4,660
UNITED AIRLS HLDGS INC COM 910047109 266,533 2,762 SH SOLE 0 0 2,762
UNITEDHEALTH GROUP INC COM 91324P102 392,069 1,135 SH SOLE 0 0 1,135
VALERO ENERGY CORP COM 91913Y100 227,429 1,336 SH SOLE 0 0 1,336
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 247,575 2,500 SH SOLE 0 0 2,500
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,339,326 26,313 SH SOLE 0 0 26,313
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 9,894,208 103,909 SH SOLE 0 0 103,909
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 803,616 6,600 SH SOLE 0 0 6,600
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 44,833,571 602,845 SH SOLE 0 0 602,845
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,800,004 177,922 SH SOLE 0 0 177,922
VANGUARD INDEX FDS LARGE CAP ETF 922908637 71,260,814 231,471 SH SOLE 0 0 231,471
VANGUARD INDEX FDS VALUE ETF 922908744 10,255,084 54,990 SH SOLE 0 0 54,990
VANGUARD INDEX FDS MID CAP ETF 922908629 335,451 1,142 SH SOLE 0 0 1,142
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,506,571 11,782 SH SOLE 0 0 11,782
VANGUARD INDEX FDS GROWTH ETF 922908736 14,339,539 29,898 SH SOLE 0 0 29,898
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,169,504 1,910 SH SOLE 0 0 1,910
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,028,891 9,721 SH SOLE 0 0 9,721
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 215,642 734 SH SOLE 0 0 734
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,082,314 3,298 SH SOLE 0 0 3,298
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 28,981,776 534,917 SH SOLE 0 0 534,917
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 16,109,227 321,734 SH SOLE 0 0 321,734
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 5,475,559 23,422 SH SOLE 0 0 23,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 322,480 1,494 SH SOLE 0 0 1,494
VANGUARD STAR FDS VG TL INTL STK F 921909768 721,083 9,816 SH SOLE 0 0 9,816
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,000,417 283,719 SH SOLE 0 0 283,719
VANGUARD WORLD FD INF TECH ETF 92204A702 1,514,606 2,029 SH SOLE 0 0 2,029
VEEVA SYS INC CL A COM 922475108 217,474 730 SH SOLE 0 0 730
VERISIGN INC COM 92343E102 247,979 887 SH SOLE 0 0 887
VERIZON COMMUNICATIONS INC COM 92343V104 224,318 5,104 SH SOLE 0 0 5,104
VICTORY PORTFOLIOS II VCSHS INTL VOLTY 92647N840 588,441 11,404 SH SOLE 0 0 11,404
VISA INC COM CL A 92826C839 714,199 2,092 SH SOLE 0 0 2,092
WALMART INC COM 931142103 528,936 5,132 SH SOLE 0 0 5,132
WELLS FARGO CO NEW COM 949746101 213,321 2,545 SH SOLE 0 0 2,545
ZSCALER INC COM 98980G102 224,745 750 SH SOLE 0 0 750