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
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,157,835 281,147 SH SOLE 0 0 281,147
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,656,478 138,331 SH SOLE 0 0 138,331
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,719,742 102,585 SH SOLE 0 0 102,585
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,270,059 442,962 SH SOLE 0 0 442,962
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 13,216,879 547,509 SH SOLE 0 0 547,509
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,832,898 253,746 SH SOLE 0 0 253,746
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,291,586 553,571 SH SOLE 0 0 553,571
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 15,884,751 686,760 SH SOLE 0 0 686,760
SPDR SERIES TRUST ST STR SP600SM C 78464A300 8,238,380 75,505 SH SOLE 0 0 75,505
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 8,870,791 199,973 SH SOLE 0 0 199,973
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 940,055 23,379 SH SOLE 0 0 23,379
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,991,435 48,277 SH SOLE 0 0 48,277
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 482,090 18,429 SH SOLE 0 0 18,429
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 5,712,087 135,325 SH SOLE 0 0 135,325
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 241,338 6,341 SH SOLE 0 0 6,341
ISHARES TR 0-3 MTH TREASURY 46436E718 912,272 9,062 SH SOLE 0 0 9,062
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 222,674 445 SH SOLE 0 0 445
ISHARES INC CORE MSCI EMKT 46434G103 259,703 3,135 SH SOLE 0 0 3,135
ISHARES TR CORE S&P500 ETF 464287200 748,890 1,000 SH SOLE 0 0 1,000
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 217,349 5,895 SH SOLE 0 0 5,895
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 424,223 5,954 SH SOLE 0 0 5,954
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,420,954 3,840 SH SOLE 0 0 3,840
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 255,978 5,096 SH SOLE 0 0 5,096
APPLE INC COM 037833100 5,175,204 17,885 SH SOLE 0 0 17,885
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 246,741 3,167 SH SOLE 0 0 3,167
AMAZON COM INC COM 023135106 220,226 924 SH SOLE 0 0 924
META PLATFORMS INC CL A 30303M102 295,727 525 SH SOLE 0 0 525
MICROSOFT CORP COM 594918104 231,272 620 SH SOLE 0 0 620
TESLA INC COM 88160R101 2,590,475 6,159 SH SOLE 0 0 6,159
NVIDIA CORPORATION COM 67066G104 853,584 4,266 SH SOLE 0 0 4,266
ISHARES TR IBDS DEC28 ETF 46435U515 224,978 8,910 SH SOLE 0 0 8,910
ISHARES TR IBONDS DEC 29 46436E205 228,288 9,857 SH SOLE 0 0 9,857
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,200,127 32,577 SH SOLE 0 0 32,577
ISHARES TR FLTG RATE NT ETF 46429B655 1,181,195 23,138 SH SOLE 0 0 23,138
ISHARES TR RUS 2000 VAL ETF 464287630 319,413 1,444 SH SOLE 0 0 1,444
ISHARES TR RUS MD CP GR ETF 464287481 710,381 4,852 SH SOLE 0 0 4,852
SPDR SERIES TRUST ST STR SP REGBNK 78464A698 397,977 5,317 SH SOLE 0 0 5,317
INVESCO QQQ TR UNIT SER 1 46090E103 854,224 1,160 SH SOLE 0 0 1,160
AT&T INC COM 00206R102 271,501 13,116 SH SOLE 0 0 13,116
SPDR SERIES TRUST ST STR SP BIOT 78464A870 430,124 2,718 SH SOLE 0 0 2,718
ISHARES TR CORE S&P SCP ETF 464287804 690,214 4,654 SH SOLE 0 0 4,654