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
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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
AMAZON COM INC COM Stock 023135106 208,062 999 SH SOLE 0 999 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 245,302 425 SH SOLE 0 425 0 0
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 738,291 5,555 SH SOLE 0 5,555 0 0
ISHARES GOLD TRUST ETF 464285204 1,296,723 14,709 SH SOLE 0 14,708 0 0
JOHNSON & JOHNSON COM Stock 478160104 330,217 1,351 SH SOLE 0 1,350 0 0
WILLIAMS SONOMA INC COM Stock 969904101 397,479 2,180 SH SOLE 0 2,180 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 237,577,618 740,556 SH SOLE 0 740,555 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 9,892,131 104,967 SH SOLE 0 104,967 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 482,989 8,505 SH SOLE 0 8,504 0 0
PROCTER & GAMBLE CO COM Stock 742718109 512,184 3,546 SH SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100 273,704 3,599 SH SOLE 0 3,599 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 51,826,977 584,295 SH SOLE 0 584,295 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 4,911,447 7,552 SH SOLE 0 7,552 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 755,337 8,945 SH SOLE 0 8,945 0 0
PRIORITY TECHNOLOGY HLDGS INC COM Stock 74275G107 1,907,418 404,114 SH SOLE 0 404,114 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 4,063,037 27,869 SH SOLE 0 27,869 0 0
PEPSICO INC COM Stock 713448108 225,481 1,452 SH SOLE 0 1,452 0 0
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 367,263 2,505 SH SOLE 0 2,505 0 0
SPDR GOLD SHARES ETF 78463V107 2,690,603 6,253 SH SOLE 0 6,253 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 8,011,030 18,788 SH SOLE 0 18,787 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 378,570,424 15,082,487 SH SOLE 0 15,082,487 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 170,890,089 6,904,650 SH SOLE 0 6,904,650 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 4,343,573 45,935 SH SOLE 0 45,934 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 64,036,534 1,738,234 SH SOLE 0 1,738,233 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 52,773,318 424,530 SH SOLE 0 424,529 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 18,408,390 759,422 SH SOLE 0 759,422 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,706,612 7,735 SH SOLE 0 7,735 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 71,975,810 2,184,395 SH SOLE 0 2,184,394 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 89,119,253 1,076,970 SH SOLE 0 1,076,969 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 292,161 1,016 SH SOLE 0 1,016 0 0
MICROSOFT CORP COM Stock 594918104 1,412,797 3,817 SH SOLE 0 3,816 0 0
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR CEF 85207H104 1,852,378 52,268 SH SOLE 0 52,268 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 3,035,846 11,591 SH SOLE 0 11,590 0 0
VANGUARD LARGE-CAP ETF ETF 922908637 1,628,434 5,449 SH SOLE 0 5,449 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 18,320,715 723,281 SH SOLE 0 723,281 0 0
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605 828,741 16,786 SH SOLE 0 16,786 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 1,685,593 20,449 SH SOLE 0 20,448 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 250,022 358 SH SOLE 0 358 0 0
SCHWAB US TIPS ETF ETF 808524870 5,443,202 204,555 SH SOLE 0 204,554 0 0
VANGUARD S&P 500 ETF ETF 922908363 2,558,934 4,282 SH SOLE 0 4,282 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828 2,967,550 25,843 SH SOLE 0 25,842 0 0
ELI LILLY & CO COM Stock 532457108 518,750 564 SH SOLE 0 564 0 0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205 10,537,189 453,018 SH SOLE 0 453,017 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 1,156,099 7,933 SH SOLE 0 7,932 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 3,341,109 13,472 SH SOLE 0 13,472 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841 6,070,599 270,646 SH SOLE 0 270,646 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 5,721,115 249,667 SH SOLE 0 249,666 0 0
ISHARES IBONDS DEC 2029 TERM TREASURY ETF ETF 46436E825 5,388,492 246,692 SH SOLE 0 246,691 0 0
ISHARES IBONDS DEC 2028 TERM TREASURY ETF ETF 46436E833 5,979,854 268,359 SH SOLE 0 268,359 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 496,914 8,767 SH SOLE 0 8,767 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 31,572,925 313,659 SH SOLE 0 313,659 0 0
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 10,463,890 478,021 SH SOLE 0 478,021 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,005,937 7,852 SH SOLE 0 7,851 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 1,843,116 18,859 SH SOLE 0 18,859 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 2,676,482 12,320 SH SOLE 0 12,319 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528 807,331 35,178 SH SOLE 0 35,177 0 0
ISHARES IBONDS DEC 2030 TERM TREASURY ETF ETF 46436E593 5,194,663 263,421 SH SOLE 0 263,421 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 662,133 17,039 SH SOLE 0 17,038 0 0
DIMENSIONAL U.S. EQUITY MARKET ETF ETF 25434V401 416,058 5,867 SH SOLE 0 5,867 0 0
ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF ETF 46436E478 805,992 36,421 SH SOLE 0 36,420 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 1,715,064 5,674 SH SOLE 0 5,674 0 0
VANGUARD VALUE ETF ETF 922908744 242,689 1,237 SH SOLE 0 1,236 0 0
VANGUARD GROWTH ETF ETF 922908736 283,222 648 SH SOLE 0 648 0 0
ISHARES IBONDS 2028 TERM HIGH YIELD AND INCOME ETF ETF 46436E387 797,582 33,983 SH SOLE 0 33,983 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108 214,584 2,728 SH SOLE 0 2,728 0 0
SANMINA CORP COM Stock 801056102 259,280 2,000 SH SOLE 0 2,000 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 229,125 1,500 SH SOLE 0 1,500 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,913,053 21,132 SH SOLE 0 21,131 0 0
NVIDIA CORPORATION COM Stock 67066G104 432,862 2,482 SH SOLE 0 2,482 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 16,246,953 220,627 SH SOLE 0 220,626 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 897,660 11,953 SH SOLE 0 11,952 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475 1,152,939 16,666 SH SOLE 0 16,665 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 210,737 614 SH SOLE 0 614 0 0
CISCO SYS INC COM Stock 17275R102 611,487 7,881 SH SOLE 0 7,881 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 7,049,948 88,612 SH SOLE 0 88,611 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 1,855,170 2,840 SH SOLE 0 2,840 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 18,431,742 760,385 SH SOLE 0 760,385 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 743,174 24,511 SH SOLE 0 24,511 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 363,288 1,235 SH SOLE 0 1,235 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 9,109,082 171,159 SH SOLE 0 171,159 0 0
CHEVRON CORPORATION COM Stock 166764100 310,350 1,500 SH SOLE 0 1,500 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 101,880,265 1,589,892 SH SOLE 0 1,589,891 0 0
STATE STREET SPDR S&P DIVIDEND ETF ETF 78464A763 1,703,599 11,673 SH SOLE 0 11,673 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 832,610 3,435 SH SOLE 0 3,435 0 0
ORACLE CORP COM Stock 68389X105 570,787 3,880 SH SOLE 0 3,880 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 35,414,375 655,215 SH SOLE 0 655,215 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 29,484,976 199,088 SH SOLE 0 199,088 0 0
CATERPILLAR INC COM Stock 149123101 553,307 781 SH SOLE 0 781 0 0
AMERICAN EXPRESS CO COM Stock 025816109 410,163 1,356 SH SOLE 0 1,356 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 557,143 7,106 SH SOLE 0 7,105 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 144,963,786 1,460,298 SH SOLE 0 1,460,298 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 9,172,213 24,744 SH SOLE 0 24,744 0 0
STATE STREET SPDR DOW JONES REIT ETF ETF 78464A607 2,388,545 23,656 SH SOLE 0 23,655 0 0
EXXON MOBIL CORP COM Stock 30231G102 463,850 2,734 SH SOLE 0 2,734 0 0
LOWES COS INC COM Stock 548661107 295,350 1,250 SH SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 4,084,383 60,483 SH SOLE 0 60,482 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,178,953 12,138 SH SOLE 0 12,137 0 0
APPLE INC COM Stock 037833100 1,668,448 6,574 SH SOLE 0 6,574 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 361,966 2,617 SH SOLE 0 2,616 0 0
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 405,632 4,426 SH SOLE 0 4,426 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 7,401,692 34,641 SH SOLE 0 34,640 0 0