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 302,704 2,260 SH SOLE 0 0 0 2,260
ABBVIE INC COM 00287Y109 848,594 3,665 SH SOLE 0 0 0 3,665
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 241,668 980 SH SOLE 0 0 0 980
ADOBE INC COM 00724F101 222,938 632 SH SOLE 0 0 0 632
ADVANCED MICRO DEVICES INC COM 007903107 315,167 1,948 SH SOLE 0 0 0 1,948
AFLAC INC COM 001055102 265,958 2,381 SH SOLE 0 0 0 2,381
AGNICO EAGLE MINES LTD COM 008474108 411,286 2,440 SH SOLE 0 0 0 2,440
ALPHABET INC CAP STK CL C 02079K107 2,230,918 9,160 SH SOLE 0 0 0 9,160
ALPHABET INC CAP STK CL A 02079K305 2,499,311 10,281 SH SOLE 0 0 0 10,281
AMAZON COM INC COM 023135106 3,087,374 14,061 SH SOLE 0 0 0 14,061
AMERICAN EXPRESS CO COM 025816109 460,042 1,385 SH SOLE 0 0 0 1,385
AMERIPRISE FINL INC COM 03076C106 278,539 567 SH SOLE 0 0 0 567
AMGEN INC COM 031162100 247,489 877 SH SOLE 0 0 0 877
APPLE INC COM 037833100 7,305,736 28,692 SH SOLE 0 0 0 28,692
APPLIED MATLS INC COM 038222105 354,405 1,731 SH SOLE 0 0 0 1,731
APPLOVIN CORP COM CL A 03831W108 509,445 709 SH SOLE 0 0 0 709
ARISTA NETWORKS INC COM SHS 040413205 352,618 2,420 SH SOLE 0 0 0 2,420
ASML HOLDING N V N Y REGISTRY SHS N07059210 1,426,965 1,474 SH SOLE 0 0 0 1,474
ASTRAZENECA PLC SPONSORED ADR 046353108 613,302 7,994 SH SOLE 0 0 0 7,994
AT&T INC COM 00206R102 486,236 17,218 SH SOLE 0 0 0 17,218
AUTOMATIC DATA PROCESSING IN COM 053015103 209,853 715 SH SOLE 0 0 0 715
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 354,970 18,440 SH SOLE 0 0 0 18,440
BANCO SANTANDER S.A. ADR 05964H105 659,936 62,971 SH SOLE 0 0 0 62,971
BANK AMERICA CORP COM 060505104 603,293 11,694 SH SOLE 0 0 0 11,694
BANK MONTREAL QUE COM 063671101 382,675 2,938 SH SOLE 0 0 0 2,938
BANK NEW YORK MELLON CORP COM 064058100 229,252 2,104 SH SOLE 0 0 0 2,104
BANK NOVA SCOTIA HALIFAX COM 064149107 254,592 3,938 SH SOLE 0 0 0 3,938
BARCLAYS PLC ADR 06738E204 314,659 15,223 SH SOLE 0 0 0 15,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,027,601 2,044 SH SOLE 0 0 0 2,044
BLACKROCK INC COM 09290D101 314,785 270 SH SOLE 0 0 0 270
BOOKING HOLDINGS INC COM 09857L108 453,539 84 SH SOLE 0 0 0 84
BROADCOM INC COM 11135F101 2,692,725 8,162 SH SOLE 0 0 0 8,162
BROOKFIELD CORP CL A LTD VT SH 11271J107 220,485 3,215 SH SOLE 0 0 0 3,215
CANADIAN IMPERIAL BANK OF CO COM 136069101 254,609 3,187 SH SOLE 0 0 0 3,187
CAPITAL ONE FINL CORP COM 14040H105 421,546 1,983 SH SOLE 0 0 0 1,983
CATERPILLAR INC COM 149123101 559,697 1,173 SH SOLE 0 0 0 1,173
CELESTICA INC COM 15101Q207 272,250 1,105 SH SOLE 0 0 0 1,105
CINTAS CORP COM 172908105 220,860 1,076 SH SOLE 0 0 0 1,076
CISCO SYS INC COM 17275R102 419,551 6,132 SH SOLE 0 0 0 6,132
CITIGROUP INC COM NEW 172967424 241,773 2,382 SH SOLE 0 0 0 2,382
COSTCO WHSL CORP NEW COM 22160K105 1,287,551 1,391 SH SOLE 0 0 0 1,391
CUMMINS INC COM 231021106 215,831 511 SH SOLE 0 0 0 511
D R HORTON INC COM 23331A109 265,559 1,567 SH SOLE 0 0 0 1,567
DANAHER CORPORATION COM 235851102 204,010 1,029 SH SOLE 0 0 0 1,029
DEERE & CO COM 244199105 262,925 575 SH SOLE 0 0 0 575
DEUTSCHE BANK A G NAMEN AKT D18190898 284,307 8,029 SH SOLE 0 0 0 8,029
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 10,739,807 254,317 SH SOLE 0 0 0 254,317
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,722,928 56,504 SH SOLE 0 0 0 56,504
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 699,639 16,362 SH SOLE 0 0 0 16,362
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 461,568 9,620 SH SOLE 0 0 0 9,620
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 491,086 13,510 SH SOLE 0 0 0 13,510
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 1,723,348 23,790 SH SOLE 0 0 0 23,790
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 14,406,812 373,524 SH SOLE 0 0 0 373,524
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,041,820 29,825 SH SOLE 0 0 0 29,825
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 643,162 11,049 SH SOLE 0 0 0 11,049
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 488,595 10,594 SH SOLE 0 0 0 10,594
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 971,211 30,950 SH SOLE 0 0 0 30,950
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 580,078 24,322 SH SOLE 0 0 0 24,322
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 7,443,888 227,017 SH SOLE 0 0 0 227,017
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 286,979 9,073 SH SOLE 0 0 0 9,073
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 3,434,159 107,083 SH SOLE 0 0 0 107,083
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 354,526 7,933 SH SOLE 0 0 0 7,933
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 14,186,516 346,434 SH SOLE 0 0 0 346,434
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 17,140,053 417,134 SH SOLE 0 0 0 417,134
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 15,947,224 375,471 SH SOLE 0 0 0 375,471
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 341,142 12,491 SH SOLE 0 0 0 12,491
DISNEY WALT CO COM 254687106 268,617 2,346 SH SOLE 0 0 0 2,346
EATON CORP PLC SHS G29183103 337,948 903 SH SOLE 0 0 0 903
ELI LILLY & CO COM 532457108 911,022 1,194 SH SOLE 0 0 0 1,194
EMCOR GROUP INC COM 29084Q100 266,311 410 SH SOLE 0 0 0 410
ENBRIDGE INC COM 29250N105 355,995 7,055 SH SOLE 0 0 0 7,055
EXXON MOBIL CORP COM 30231G102 287,851 2,553 SH SOLE 0 0 0 2,553
FEDEX CORP COM 31428X106 217,888 924 SH SOLE 0 0 0 924
FERRARI N V COM N3167Y103 226,113 466 SH SOLE 0 0 0 466
FORD MTR CO COM 345370860 135,913 11,364 SH SOLE 0 0 0 11,364
GE AEROSPACE COM NEW 369604301 378,732 1,259 SH SOLE 0 0 0 1,259
GE VERNOVA INC COM 36828A101 228,128 371 SH SOLE 0 0 0 371
GILEAD SCIENCES INC COM 375558103 263,625 2,375 SH SOLE 0 0 0 2,375
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 333,417 3,327 SH SOLE 0 0 0 3,327
GOLDMAN SACHS GROUP INC COM 38141G104 557,445 700 SH SOLE 0 0 0 700
GSK PLC SPONSORED ADR 37733W204 270,225 6,261 SH SOLE 0 0 0 6,261
HARTFORD INSURANCE GROUP INC COM 416515104 229,831 1,723 SH SOLE 0 0 0 1,723
HOME DEPOT INC COM 437076102 701,384 1,731 SH SOLE 0 0 0 1,731
HOWMET AEROSPACE INC COM 443201108 347,523 1,771 SH SOLE 0 0 0 1,771
HSBC HLDGS PLC SPON ADR NEW 404280406 735,424 10,361 SH SOLE 0 0 0 10,361
ING GROEP N.V. SPONSORED ADR 456837103 376,308 14,429 SH SOLE 0 0 0 14,429
INTERNATIONAL BUSINESS MACHS COM 459200101 657,433 2,330 SH SOLE 0 0 0 2,330
INTUIT COM 461202103 221,263 324 SH SOLE 0 0 0 324
ISHARES INC CORE MSCI EMKT 46434G103 957,170 14,520 SH SOLE 0 0 0 14,520
ISHARES TR CORE S&P TTL STK 464287150 415,273 2,851 SH SOLE 0 0 0 2,851
ISHARES TR NATIONAL MUN ETF 464288414 207,025 1,944 SH SOLE 0 0 0 1,944
ISHARES TR JPMORGAN USD EMG 464288281 205,701 2,161 SH SOLE 0 0 0 2,161
ISHARES TR S&P 500 VAL ETF 464287408 397,287 1,924 SH SOLE 0 0 0 1,924
ISHARES TR RUS 1000 GRW ETF 464287614 237,015 506 SH SOLE 0 0 0 506
ISHARES TR CORE MSCI INTL 46435G326 292,460 3,648 SH SOLE 0 0 0 3,648
ISHARES TR 0-3 MNTH TREASRY 46436E718 21,566,887 214,170 SH SOLE 0 0 0 214,170
ISHARES TR RUS MDCP VAL ETF 464287473 996,725 7,136 SH SOLE 0 0 0 7,136
ISHARES TR CORE US AGGBD ET 464287226 943,920 9,416 SH SOLE 0 0 0 9,416
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 522,477 10,299 SH SOLE 0 0 0 10,299
JOHNSON & JOHNSON COM 478160104 778,208 4,197 SH SOLE 0 0 0 4,197
JPMORGAN CHASE & CO. COM 46625H100 2,343,960 7,431 SH SOLE 0 0 0 7,431
KLA CORP COM NEW 482480100 419,575 389 SH SOLE 0 0 0 389
KROGER CO COM 501044101 227,846 3,380 SH SOLE 0 0 0 3,380
LAM RESEARCH CORP COM NEW 512807306 427,811 3,195 SH SOLE 0 0 0 3,195
LINDE PLC SHS G54950103 314,450 662 SH SOLE 0 0 0 662
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 248,751 54,791 SH SOLE 0 0 0 54,791
LOCKHEED MARTIN CORP COM 539830109 297,529 596 SH SOLE 0 0 0 596
LOWES COS INC COM 548661107 259,352 1,032 SH SOLE 0 0 0 1,032
MARATHON PETE CORP COM 56585A102 277,738 1,441 SH SOLE 0 0 0 1,441
MARSH & MCLENNAN COS INC COM 571748102 234,178 1,162 SH SOLE 0 0 0 1,162
MASTERCARD INCORPORATED CL A 57636Q104 898,720 1,580 SH SOLE 0 0 0 1,580
MCDONALDS CORP COM 580135101 423,927 1,395 SH SOLE 0 0 0 1,395
MCKESSON CORP COM 58155Q103 361,549 468 SH SOLE 0 0 0 468
MERCK & CO INC COM 58933Y105 215,280 2,565 SH SOLE 0 0 0 2,565
META PLATFORMS INC CL A 30303M102 4,286,576 5,837 SH SOLE 0 0 0 5,837
MICRON TECHNOLOGY INC COM 595112103 280,763 1,678 SH SOLE 0 0 0 1,678
MICROSOFT CORP COM 594918104 5,882,358 11,357 SH SOLE 0 0 0 11,357
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 687,205 43,112 SH SOLE 0 0 0 43,112
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 331,596 49,492 SH SOLE 0 0 0 49,492
MORGAN STANLEY COM NEW 617446448 466,389 2,934 SH SOLE 0 0 0 2,934
NATWEST GROUP PLC SPONS ADR 639057207 179,479 12,684 SH SOLE 0 0 0 12,684
NETFLIX INC COM 64110L106 875,212 730 SH SOLE 0 0 0 730
NOKIA CORP SPONSORED ADR 654902204 118,788 24,696 SH SOLE 0 0 0 24,696
NOMURA HLDGS INC SPONSORED ADR 65535H208 98,196 13,507 SH SOLE 0 0 0 13,507
NOVARTIS AG SPONSORED ADR 66987V109 1,014,122 7,908 SH SOLE 0 0 0 7,908
NOVO-NORDISK A S ADR 670100205 491,641 8,860 SH SOLE 0 0 0 8,860
NRG ENERGY INC COM NEW 629377508 201,142 1,242 SH SOLE 0 0 0 1,242
NVIDIA CORPORATION COM 67066G104 7,480,365 40,092 SH SOLE 0 0 0 40,092
ORACLE CORP COM 68389X105 1,431,230 5,089 SH SOLE 0 0 0 5,089
OREILLY AUTOMOTIVE INC COM 67103H107 241,063 2,236 SH SOLE 0 0 0 2,236
PALANTIR TECHNOLOGIES INC CL A 69608A108 370,677 2,032 SH SOLE 0 0 0 2,032
PARKER-HANNIFIN CORP COM 701094104 326,763 431 SH SOLE 0 0 0 431
PFIZER INC COM 717081103 229,065 8,990 SH SOLE 0 0 0 8,990
PHILIP MORRIS INTL INC COM 718172109 338,349 2,086 SH SOLE 0 0 0 2,086
PROCTER AND GAMBLE CO COM 742718109 339,259 2,208 SH SOLE 0 0 0 2,208
PROGRESSIVE CORP COM 743315103 314,120 1,272 SH SOLE 0 0 0 1,272
QUALCOMM INC COM 747525103 301,112 1,810 SH SOLE 0 0 0 1,810
RELX PLC SPONSORED ADR 759530108 451,571 9,455 SH SOLE 0 0 0 9,455
ROBINHOOD MKTS INC COM CL A 770700102 391,311 2,733 SH SOLE 0 0 0 2,733
ROYAL BK CDA COM 780087102 1,026,526 6,968 SH SOLE 0 0 0 6,968
ROYAL CARIBBEAN GROUP COM V7780T103 278,926 862 SH SOLE 0 0 0 862
S&P GLOBAL INC COM 78409V104 240,435 494 SH SOLE 0 0 0 494
SALESFORCE INC COM 79466L302 281,793 1,189 SH SOLE 0 0 0 1,189
SAP SE SPON ADR 803054204 461,204 1,726 SH SOLE 0 0 0 1,726
SCHWAB CHARLES CORP COM 808513105 244,403 2,560 SH SOLE 0 0 0 2,560
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 10,548,963 410,306 SH SOLE 0 0 0 410,306
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,896,368 210,325 SH SOLE 0 0 0 210,325
SHERWIN WILLIAMS CO COM 824348106 249,307 720 SH SOLE 0 0 0 720
SHOPIFY INC CL A SUB VTG SHS 82509L107 225,739 1,519 SH SOLE 0 0 0 1,519
SONY GROUP CORP SPONSORED ADR 835699307 1,175,035 40,814 SH SOLE 0 0 0 40,814
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 249,415 4,361 SH SOLE 0 0 0 4,361
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 880,938 11,245 SH SOLE 0 0 0 11,245
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 408,540 24,405 SH SOLE 0 0 0 24,405
T-MOBILE US INC COM 872590104 284,862 1,190 SH SOLE 0 0 0 1,190
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 183,307 12,521 SH SOLE 0 0 0 12,521
TARGA RES CORP COM 87612G101 204,734 1,222 SH SOLE 0 0 0 1,222
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 179,782 21,739 SH SOLE 0 0 0 21,739
TELEFONICA S A SPONSORED ADR 879382208 117,130 23,057 SH SOLE 0 0 0 23,057
TESLA INC COM 88160R101 2,145,329 4,824 SH SOLE 0 0 0 4,824
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 209,514 10,372 SH SOLE 0 0 0 10,372
TEXAS INSTRS INC COM 882508104 237,379 1,292 SH SOLE 0 0 0 1,292
THERMO FISHER SCIENTIFIC INC COM 883556102 270,641 558 SH SOLE 0 0 0 558
TJX COS INC NEW COM 872540109 395,461 2,736 SH SOLE 0 0 0 2,736
TORONTO DOMINION BK ONT COM NEW 891160509 327,075 4,091 SH SOLE 0 0 0 4,091
TOYOTA MOTOR CORP ADS 892331307 701,300 3,670 SH SOLE 0 0 0 3,670
TRANE TECHNOLOGIES PLC SHS G8994E103 270,054 640 SH SOLE 0 0 0 640
TRAVELERS COMPANIES INC COM 89417E109 303,512 1,087 SH SOLE 0 0 0 1,087
UBS GROUP AG SHS H42097107 359,447 8,767 SH SOLE 0 0 0 8,767
UNILEVER PLC SPON ADR NEW 904767704 259,528 4,378 SH SOLE 0 0 0 4,378
UNION PAC CORP COM 907818108 261,425 1,106 SH SOLE 0 0 0 1,106
UNITED RENTALS INC COM 911363109 355,134 372 SH SOLE 0 0 0 372
UNITEDHEALTH GROUP INC COM 91324P102 346,681 1,004 SH SOLE 0 0 0 1,004
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 332,090 4,465 SH SOLE 0 0 0 4,465
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 247,082 4,996 SH SOLE 0 0 0 4,996
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,469,125 7,524 SH SOLE 0 0 0 7,524
VANGUARD INDEX FDS VALUE ETF 922908744 204,004 1,094 SH SOLE 0 0 0 1,094
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 760,665 14,040 SH SOLE 0 0 0 14,040
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 705,573 5,120 SH SOLE 0 0 0 5,120
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 309,312 6,109 SH SOLE 0 0 0 6,109
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 32,138,168 546,103 SH SOLE 0 0 0 546,103
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,854,002 30,941 SH SOLE 0 0 0 30,941
VANGUARD WORLD FD ESG US STK ETF 921910733 404,591 3,416 SH SOLE 0 0 0 3,416
VERIZON COMMUNICATIONS INC COM 92343V104 574,251 13,066 SH SOLE 0 0 0 13,066
VISA INC COM CL A 92826C839 1,044,964 3,061 SH SOLE 0 0 0 3,061
VISTRA CORP COM 92840M102 304,656 1,555 SH SOLE 0 0 0 1,555
WALMART INC COM 931142103 1,027,405 9,969 SH SOLE 0 0 0 9,969
WASTE MGMT INC DEL COM 94106L109 208,022 942 SH SOLE 0 0 0 942
WELLS FARGO CO NEW COM 949746101 296,974 3,543 SH SOLE 0 0 0 3,543
WILLIAMS COS INC COM 969457100 221,092 3,490 SH SOLE 0 0 0 3,490