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
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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 301,835 1,321 SH SOLE 1,321 0 0
ALPHABET INC CAP STK CL A 02079K305 1,817,591 5,807 SH SOLE 5,807 0 0
ALPHABET INC CAP STK CL C 02079K107 1,174,867 3,744 SH SOLE 3,744 0 0
AMAZON COM INC COM 023135106 2,119,158 9,181 SH SOLE 9,181 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 289,287 3,756 SH SOLE 3,756 0 0
APPLE INC COM 037833100 3,562,789 13,105 SH SOLE 13,105 0 0
BANK AMERICA CORP COM 060505104 410,355 7,461 SH SOLE 7,461 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,128,449 2,245 SH SOLE 2,245 0 0
BOOKING HOLDINGS INC COM 09857L108 326,675 61 SH SOLE 61 0 0
BROADCOM INC COM 11135F101 913,358 2,639 SH SOLE 2,639 0 0
CATERPILLAR INC COM 149123101 249,771 436 SH SOLE 436 0 0
COCA COLA CO COM 191216100 233,080 3,334 SH SOLE 3,334 0 0
COSTCO WHSL CORP NEW COM 22160K105 310,442 360 SH SOLE 360 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 257,014 9,728 SH SOLE 9,728 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 669,665 16,915 SH SOLE 16,915 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 712,694 11,970 SH SOLE 11,970 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 438,713 13,404 SH SOLE 13,404 0 0
DISNEY WALT CO COM 254687106 203,079 1,785 SH SOLE 1,785 0 0
ELI LILLY & CO COM 532457108 793,114 738 SH SOLE 738 0 0
EXXON MOBIL CORP COM 30231G102 331,898 2,758 SH SOLE 2,758 0 0
GE AEROSPACE COM NEW 369604301 351,462 1,141 SH SOLE 1,141 0 0
HOME DEPOT INC COM 437076102 337,906 982 SH SOLE 982 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 254,296 449 SH SOLE 449 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,507,978 37,310 SH SOLE 37,310 0 0
ISHARES TR CALIF MUN BD ETF 464288356 988,887 17,210 SH SOLE 17,210 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,939,997 44,042 SH SOLE 44,042 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,176,018 63,273 SH SOLE 63,273 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,045,566 8,700 SH SOLE 8,700 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,034,267 1,510 SH SOLE 1,510 0 0
ISHARES TR MSCI EAFE ETF 464287465 779,860 8,121 SH SOLE 8,121 0 0
ISHARES TR MSCI USA VALUE 46432F388 236,543 1,730 SH SOLE 1,730 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 226,467 920 SH SOLE 920 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 2,793,028 55,220 SH SOLE 55,220 0 0
JOHNSON & JOHNSON COM 478160104 324,705 1,569 SH SOLE 1,569 0 0
JPMORGAN CHASE & CO. COM 46625H100 702,762 2,181 SH SOLE 2,181 0 0
LOWES COS INC COM 548661107 224,761 932 SH SOLE 932 0 0
MASTERCARD INCORPORATED CL A 57636Q104 307,704 539 SH SOLE 539 0 0
META PLATFORMS INC CL A 30303M102 991,455 1,502 SH SOLE 1,502 0 0
MICRON TECHNOLOGY INC COM 595112103 218,339 765 SH SOLE 765 0 0
MICROSOFT CORP COM 594918104 2,672,484 5,526 SH SOLE 5,526 0 0
NETFLIX INC COM 64110L106 371,102 3,958 SH SOLE 3,958 0 0
NVIDIA CORPORATION COM 67066G104 4,364,500 23,402 SH SOLE 23,402 0 0
ORACLE CORP COM 68389X105 262,349 1,346 SH SOLE 1,346 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 236,408 1,330 SH SOLE 1,330 0 0
ROCKET LAB CORP COM 773121108 292,992 4,200 SH SOLE 4,200 0 0
RTX CORPORATION COM 75513E101 252,909 1,379 SH SOLE 1,379 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,535,533 61,668 SH SOLE 61,668 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 215,200 6,571 SH SOLE 6,571 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,053,187 77,508 SH SOLE 77,508 0 0
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 1,304,455 11,081 SH SOLE 11,081 0 0
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 988,595 8,279 SH SOLE 8,279 0 0
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 393,682 5,068 SH SOLE 5,068 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 1,212,991 22,147 SH SOLE 22,147 0 0
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 770,904 4,980 SH SOLE 4,980 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,193,183 7,692 SH SOLE 7,692 0 0
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 248,835 5,487 SH SOLE 5,487 0 0
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 214,662 5,320 SH SOLE 5,320 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 3,728,103 25,895 SH SOLE 25,895 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 350,442 8,209 SH SOLE 8,209 0 0
SPDR GOLD TR GOLD SHS 78463V107 396,310 1,000 SH SOLE 1,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 674,940 2,221 SH SOLE 2,221 0 0
TESLA INC COM 88160R101 965,099 2,146 SH SOLE 2,146 0 0
UNITEDHEALTH GROUP INC COM 91324P102 240,320 728 SH SOLE 728 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 773,217 16,002 SH SOLE 16,002 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,929,092 6,647 SH SOLE 6,647 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 344,492 3,893 SH SOLE 3,893 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,755,599 2,799 SH SOLE 2,799 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,228,616 4,763 SH SOLE 4,763 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,667,968 4,975 SH SOLE 4,975 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 809,160 11,000 SH SOLE 11,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,106,824 94,993 SH SOLE 94,993 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 340,839 2,378 SH SOLE 2,378 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 525,307 3,724 SH SOLE 3,724 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 985,486 11,767 SH SOLE 11,767 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 2,953,356 29,676 SH SOLE 29,676 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,994,440 39,693 SH SOLE 39,693 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18,703,955 299,407 SH SOLE 299,407 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 233,480 515 SH SOLE 515 0 0
VISA INC COM CL A 92826C839 869,410 2,479 SH SOLE 2,479 0 0
WALMART INC COM 931142103 324,537 2,913 SH SOLE 2,913 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 220,200 4,376 SH SOLE 4,376 0 0