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
ABBVIE INC COM 00287Y109 287,304 1,321 SH SOLE 1,321 0 0
ADVANCED MICRO DEVICES INC COM 007903107 200,379 985 SH SOLE 985 0 0
ALPHABET INC CAP STK CL A 02079K305 1,669,861 5,807 SH SOLE 5,807 0 0
ALPHABET INC CAP STK CL C 02079K107 1,074,004 3,744 SH SOLE 3,744 0 0
AMAZON COM INC COM 023135106 1,908,170 9,162 SH SOLE 9,162 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 302,658 3,756 SH SOLE 3,756 0 0
APPLE INC COM 037833100 3,325,978 13,105 SH SOLE 13,105 0 0
BANK AMERICA CORP COM 060505104 376,155 7,716 SH SOLE 7,716 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,075,804 2,245 SH SOLE 2,245 0 0
BOOKING HOLDINGS INC COM 09857L108 248,409 59 SH SOLE 59 0 0
BROADCOM INC COM 11135F101 827,011 2,672 SH SOLE 2,672 0 0
CATERPILLAR INC COM 149123101 280,550 396 SH SOLE 396 0 0
COCA COLA CO COM 191216100 253,551 3,334 SH SOLE 3,334 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 352,736 354 SH SOLE 354 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 258,570 9,728 SH SOLE 9,728 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 657,317 16,915 SH SOLE 16,915 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 747,527 11,970 SH SOLE 11,970 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 455,334 13,404 SH SOLE 13,404 0 0
ELI LILLY & CO COM 532457108 678,790 738 SH SOLE 738 0 0
EXXON MOBIL CORP COM 30231G102 437,383 2,578 SH SOLE 2,578 0 0
GE AEROSPACE COM NEW 369604301 323,782 1,141 SH SOLE 1,141 0 0
HOME DEPOT INC COM 437076102 315,734 960 SH SOLE 960 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 211,133 458 SH SOLE 458 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,583,052 37,033 SH SOLE 37,033 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,059,074 18,626 SH SOLE 18,626 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,984,678 44,015 SH SOLE 44,015 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,934,957 73,078 SH SOLE 73,078 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,081,497 8,700 SH SOLE 8,700 0 0
ISHARES TR CORE S&P500 ETF 464287200 987,885 1,512 SH SOLE 1,512 0 0
ISHARES TR MSCI EAFE ETF 464287465 788,793 8,121 SH SOLE 8,121 0 0
ISHARES TR MSCI USA VALUE 46432F388 245,989 1,730 SH SOLE 1,730 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 228,160 920 SH SOLE 920 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 3,994,627 78,914 SH SOLE 78,914 0 0
JOHNSON & JOHNSON COM 478160104 373,015 1,526 SH SOLE 1,526 0 0
JPMORGAN CHASE & CO COM 46625H100 641,563 2,181 SH SOLE 2,181 0 0
LOWES COS INC COM 548661107 230,609 976 SH SOLE 976 0 0
MASTERCARD INCORPORATED CL A 57636Q104 242,335 485 SH SOLE 485 0 0
MERCK & CO INC COM 58933Y105 232,400 1,932 SH SOLE 1,932 0 0
META PLATFORMS INC CL A 30303M102 866,777 1,515 SH SOLE 1,515 0 0
MICRON TECHNOLOGY INC COM 595112103 267,569 792 SH SOLE 792 0 0
MICROSOFT CORP COM 594918104 1,934,508 5,226 SH SOLE 5,226 0 0
NETFLIX INC. COM 64110L106 368,062 3,828 SH SOLE 3,828 0 0
NVIDIA CORPORATION COM 67066G104 4,081,334 23,402 SH SOLE 23,402 0 0
ROCKET LAB CORP COM 773121108 269,724 4,200 SH SOLE 4,200 0 0
RTX CORPORATION COM 75513E101 280,477 1,454 SH SOLE 1,454 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 216,514 6,571 SH SOLE 6,571 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,995,659 225,316 SH SOLE 225,316 0 0
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 1,257,374 11,342 SH SOLE 11,342 0 0
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 418,836 5,109 SH SOLE 5,109 0 0
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 953,357 8,748 SH SOLE 8,748 0 0
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 358,248 5,848 SH SOLE 5,848 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 1,064,170 21,555 SH SOLE 21,555 0 0
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 774,980 5,286 SH SOLE 5,286 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,237,881 7,654 SH SOLE 7,654 0 0
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 277,983 5,563 SH SOLE 5,563 0 0
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 219,584 5,378 SH SOLE 5,378 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 3,441,180 25,893 SH SOLE 25,893 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 380,566 8,293 SH SOLE 8,293 0 0
SPDR GOLD TR GOLD SHS 78463V107 430,290 1,000 SH SOLE 1,000 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 750,587 2,221 SH SOLE 2,221 0 0
TESLA INC COM 88160R101 797,776 2,146 SH SOLE 2,146 0 0
UNITEDHEALTH GROUP INC COM 91324P102 206,731 764 SH SOLE 764 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 965,132 20,086 SH SOLE 20,086 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 267,022 1,449 SH SOLE 1,449 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,908,885 6,647 SH SOLE 6,647 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 345,309 3,893 SH SOLE 3,893 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,846,082 3,089 SH SOLE 3,089 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 282,642 1,301 SH SOLE 1,301 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,247,525 4,763 SH SOLE 4,763 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,602,125 4,994 SH SOLE 4,994 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,654,390 13,529 SH SOLE 13,529 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 826,100 11,000 SH SOLE 11,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,553,962 102,756 SH SOLE 102,756 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 346,689 2,378 SH SOLE 2,378 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 515,242 3,725 SH SOLE 3,725 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,009,136 12,195 SH SOLE 12,195 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 2,891,307 28,864 SH SOLE 28,864 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,060,727 39,693 SH SOLE 39,693 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 20,338,928 317,399 SH SOLE 317,399 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 229,968 515 SH SOLE 515 0 0
VISA INC COM CL A 92826C839 750,462 2,483 SH SOLE 2,483 0 0
WALMART INC COM 931142103 355,068 2,857 SH SOLE 2,857 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 220,288 4,376 SH SOLE 4,376 0 0