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
ALPHABET INC CAP STK CL A 02079K305 588,635 2,047 SH OTR 1 0 0 2,047
ALPHABET INC CAP STK CL C 02079K107 372,344 1,298 SH OTR 1 0 0 1,298
AMAZON COM INC COM 023135106 591,070 2,838 SH OTR 1 0 0 2,838
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,629,243 45,039 SH SOLE 0 0 45,039
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,538,044 15,402 SH SOLE 0 0 15,402
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 4,019,380 47,376 SH SOLE 0 0 47,376
AMERICAN CENTY ETF TR US SML CP VALU 025072877 292,745 2,650 SH SOLE 0 0 2,650
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299 390,329 5,300 SH SOLE 0 0 5,300
APPLE INC COM 037833100 1,193,067 4,701 SH OTR 1 0 0 4,701
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 274,582 573 SH OTR 1 0 0 573
BROADCOM INC COM 11135F101 418,148 1,351 SH OTR 1 0 0 1,351
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,504,044 21,145 SH SOLE 0 0 21,145
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,630,759 26,113 SH SOLE 0 0 26,113
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,647,211 31,209 SH SOLE 0 0 31,209
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1,442,412 29,765 SH SOLE 0 0 29,765
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 271,194 6,600 SH SOLE 0 0 6,600
ELI LILLY & CO COM 532457108 254,776 277 SH OTR 1 0 0 277
ELI LILLY & CO COM 532457108 61,625 67 SH SOLE 0 0 67
FLEXSHARES TR MORNSTAR UPSTR 33939L407 276,627 5,015 SH SOLE 0 0 5,015
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 542,975 21,903 SH SOLE 0 0 21,903
ISHARES INC CORE MSCI EMKT 46434G103 2,450,527 35,133 SH SOLE 0 0 35,133
ISHARES TR JPMORGAN USD EMG 464288281 2,903,940 30,916 SH SOLE 0 0 30,916
ISHARES TR NATIONAL MUN ETF 464288414 13,351,335 125,778 SH SOLE 0 0 125,778
ISHARES TR CORE S&P SCP ETF 464287804 3,839,080 30,883 SH SOLE 0 0 30,883
ISHARES TR CORE US AGGBD ET 464287226 799,818 8,057 SH SOLE 0 0 8,057
ISHARES TR CALIF MUN BD ETF 464288356 372,433 6,550 SH SOLE 0 0 6,550
ISHARES TR CORE MSCI INTL 46435G326 665,217 7,960 SH SOLE 0 0 7,960
ISHARES TR RUS 1000 GRW ETF 464287614 1,331,221 3,122 SH SOLE 0 0 3,122
ISHARES TR RUS 1000 VAL ETF 464287598 304,266 1,424 SH SOLE 0 0 1,424
ISHARES TR S&P 500 GRWT ETF 464287309 833,394 7,368 SH SOLE 0 0 7,368
JPMORGAN CHASE & CO COM 46625H100 276,216 939 SH OTR 1 0 0 939
JPMORGAN CHASE & CO COM 46625H100 39,123 133 SH SOLE 0 0 133
META PLATFORMS INC CL A 30303M102 396,486 693 SH OTR 1 0 0 693
MICROSOFT CORP COM 594918104 844,728 2,282 SH OTR 1 0 0 2,282
MICROSOFT CORP COM 594918104 64,780 175 SH SOLE 0 0 175
NVIDIA CORPORATION COM 67066G104 1,218,707 6,988 SH OTR 1 0 0 6,988
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,322,096 53,418 SH SOLE 0 0 53,418
SPDR SERIES TRUST STATE STREET SPD 78468R606 3,953,533 169,534 SH SOLE 0 0 169,534
SPDR SERIES TRUST STATE STREET SPD 78464A375 2,195,730 65,466 SH SOLE 0 0 65,466
SPDR SERIES TRUST STATE STREET SPD 78468R531 564,570 8,950 SH SOLE 0 0 8,950
TESLA INC COM 88160R101 320,820 863 SH OTR 1 0 0 863
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 725,085 3,558 SH SOLE 0 0 3,558
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,147,149 97,055 SH SOLE 0 0 97,055
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,793,202 21,409 SH SOLE 0 0 21,409
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,667,459 93,555 SH SOLE 0 0 93,555
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,736,954 105,583 SH SOLE 0 0 105,583
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,920,501 36,842 SH SOLE 0 0 36,842
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 4,181,767 44,610 SH SOLE 0 0 44,610
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,702,842 5,770 SH SOLE 0 0 5,770
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,719,716 58,048 SH SOLE 0 0 58,048
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,612,164 24,542 SH SOLE 0 0 24,542
VANGUARD WORLD FD ESG US CORP BD 921910691 524,002 8,340 SH SOLE 0 0 8,340