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
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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 233,802 1,075 SH SOLE 0 0 0 1,075
ALPHABET INC CAP STK CL C 02079K107 890,460 3,104 SH SOLE 0 0 0 3,104
ALPHABET INC CAP STK CL A 02079K305 1,680,788 5,845 SH SOLE 0 0 0 5,845
AMAZON COM INC COM 023135106 970,330 4,659 SH SOLE 0 0 0 4,659
AMERICAN CENTY ETF TR US EQT ETF 025072885 1,080,596 9,719 SH SOLE 0 0 0 9,719
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 3,308,934 39,002 SH SOLE 0 0 0 39,002
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,991,005 39,966 SH SOLE 0 0 0 39,966
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,312,030 28,692 SH SOLE 0 0 0 28,692
APPLE INC COM 037833100 2,410,497 9,498 SH SOLE 0 0 0 9,498
APPLIED MATLS INC COM 038222105 251,899 737 SH SOLE 0 0 0 737
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,271,318 2,653 SH SOLE 0 0 0 2,653
BROADCOM INC COM 11135F101 387,197 1,251 SH SOLE 0 0 0 1,251
CATERPILLAR INC COM 149123101 248,669 351 SH SOLE 0 0 0 351
CHEVRON CORPORATION COM 166764100 439,869 2,126 SH SOLE 0 0 0 2,126
CISCO SYS INC COM 17275R102 205,070 2,643 SH SOLE 0 0 0 2,643
COSTCO WHOLESALE CORPORATION COM 22160K105 233,165 234 SH SOLE 0 0 0 234
CUPRINA HLDGS (CAYMAN) LTD ORD SHS CL A G2592E102 4,483 15,317 SH SOLE 0 0 0 15,317
DBX ETF TR XTRACKERS CALIF 23306X852 349,991 14,104 SH SOLE 0 0 0 14,104
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 895,456 17,963 SH SOLE 0 0 0 17,963
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625 8,177,095 113,445 SH SOLE 0 0 0 113,445
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,405,180 164,827 SH SOLE 0 0 0 164,827
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 576,713 8,108 SH SOLE 0 0 0 8,108
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 7,291,146 205,211 SH SOLE 0 0 0 205,211
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 2,045,961 60,765 SH SOLE 0 0 0 60,765
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 10,913,096 315,864 SH SOLE 0 0 0 315,864
ELI LILLY & CO COM 532457108 477,361 519 SH SOLE 0 0 0 519
EXXON MOBIL CORP COM 30231G102 585,666 3,452 SH SOLE 0 0 0 3,452
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 3,147,971 116,981 SH SOLE 0 0 0 116,981
GOLD ROYALTY CORP COMMON SHARES 38071H106 52,869 14,768 SH SOLE 0 0 0 14,768
GRANITESHARES ETF TR BBG COMMD K 1 38747R108 1,994,020 75,919 SH SOLE 0 0 0 75,919
HALEON PLC SPON ADS 405552100 111,281 11,117 SH SOLE 0 0 0 11,117
HSBC HLDGS PLC SPON ADR NEW 404280406 268,340 3,253 SH SOLE 0 0 0 3,253
ISHARES TR CRE U S REIT ETF 464288521 1,582,587 26,737 SH SOLE 0 0 0 26,737
ISHARES TR CORE INTL AGGR 46435G672 748,949 14,967 SH SOLE 0 0 0 14,967
JOHNSON & JOHNSON COM 478160104 555,857 2,274 SH SOLE 0 0 0 2,274
JPMORGAN CHASE & CO COM 46625H100 759,227 2,581 SH SOLE 0 0 0 2,581
MASTERCARD INCORPORATED CL A 57636Q104 236,339 473 SH SOLE 0 0 0 473
MERCK & CO INC COM 58933Y105 315,521 2,623 SH SOLE 0 0 0 2,623
META PLATFORMS INC CL A 30303M102 936,577 1,637 SH SOLE 0 0 0 1,637
MICRON TECHNOLOGY INC COM 595112103 223,988 663 SH SOLE 0 0 0 663
MICROSOFT CORP COM 594918104 1,716,108 4,636 SH SOLE 0 0 0 4,636
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 117,242 14,766 SH SOLE 0 0 0 14,766
NOVARTIS AG SPONSORED ADR 66987V109 325,969 2,134 SH SOLE 0 0 0 2,134
NVIDIA CORPORATION COM 67066G104 2,594,026 14,874 SH SOLE 0 0 0 14,874
PGIM ETF TR PGIM ULTRA SH BD 69344A107 242,649 4,902 SH SOLE 0 0 0 4,902
SCHWAB STRATEGIC TR US REIT ETF 808524847 585,941 27,266 SH SOLE 0 0 0 27,266
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 672,972 14,742 SH SOLE 0 0 0 14,742
SPDR SERIES TRUST STATE STREET SPD 78464A649 1,614,836 63,030 SH SOLE 0 0 0 63,030
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,109,480 1,706 SH SOLE 0 0 0 1,706
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,040,826 109,191 SH SOLE 0 0 0 109,191
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,585,819 137,062 SH SOLE 0 0 0 137,062
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,290,224 7,180 SH SOLE 0 0 0 7,180
VANGUARD INDEX FDS LARGE CAP ETF 922908637 307,630 1,029 SH SOLE 0 0 0 1,029
VANGUARD INDEX FDS MID CAP ETF 922908629 224,483 782 SH SOLE 0 0 0 782
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,586,750 17,889 SH SOLE 0 0 0 17,889
VANGUARD INDEX FDS SMALL CP ETF 922908751 242,800 927 SH SOLE 0 0 0 927
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,519,039 17,203 SH SOLE 0 0 0 17,203
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 348,214 1,692 SH SOLE 0 0 0 1,692
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,480,087 29,667 SH SOLE 0 0 0 29,667
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 786,126 3,655 SH SOLE 0 0 0 3,655
VANGUARD WORLD FD MEGA CAP INDEX 921910873 813,944 3,444 SH SOLE 0 0 0 3,444
VISA INC COM CL A 92826C839 253,882 840 SH SOLE 0 0 0 840
WALMART INC COM 931142103 277,890 2,236 SH SOLE 0 0 0 2,236