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 915,970 3,640 SH SOLE 0 0 0 3,640
ADVANCED MICRO DEVICES INC COM 007903107 1,147,878 1,976 SH SOLE 0 0 0 1,976
AFLAC INC COM 001055102 277,062 2,363 SH SOLE 0 0 0 2,363
AGNICO EAGLE MINES LTD COM 008474108 378,517 2,440 SH SOLE 0 0 0 2,440
ALPHABET INC CAP STK CL A 02079K305 3,685,199 10,312 SH SOLE 0 0 0 10,312
ALPHABET INC CAP STK CL C 02079K107 3,210,003 9,085 SH SOLE 0 0 0 9,085
AMAZON COM INC COM 023135106 3,380,138 14,182 SH SOLE 0 0 0 14,182
AMERICAN EXPRESS CO COM 025816109 462,050 1,366 SH SOLE 0 0 0 1,366
AMERIPRISE FINL INC COM 03076C106 258,741 564 SH SOLE 0 0 0 564
AMGEN INC COM 031162100 337,134 931 SH SOLE 0 0 0 931
AMPHENOL CORP CL A 032095101 284,580 1,614 SH SOLE 0 0 0 1,614
ANALOG DEVICES INC COM 032654105 309,793 780 SH SOLE 0 0 0 780
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 505,359 6,133 SH SOLE 0 0 0 6,133
APPLE INC COM 037833100 8,322,709 28,762 SH SOLE 0 0 0 28,762
APPLIED MATLS INC COM 038222105 1,268,865 1,755 SH SOLE 0 0 0 1,755
APPLOVIN CORP COM CL A 03831W108 363,237 705 SH SOLE 0 0 0 705
ARISTA NETWORKS INC COM SHS 040413205 408,052 2,402 SH SOLE 0 0 0 2,402
ASML HLDG NV N Y REGISTRY SHS N07059210 2,932,435 1,474 SH SOLE 0 0 0 1,474
ASTRAZENECA PLC ORD G0593M107 760,187 4,009 SH SOLE 0 0 0 4,009
AT&T INC COM 00206R102 345,007 16,667 SH SOLE 0 0 0 16,667
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 622,490 24,840 SH SOLE 0 0 0 24,840
BANCO SANTANDER SA ADR 05964H105 869,000 62,971 SH SOLE 0 0 0 62,971
BANK MONTREAL MEDIUM COM 063671101 519,145 2,938 SH SOLE 0 0 0 2,938
BANK NOVA SCOTIA B C COM 064149107 341,976 3,938 SH SOLE 0 0 0 3,938
BANK OF AMER CORP COM 060505104 666,723 11,701 SH SOLE 0 0 0 11,701
BANK OF NY MELLON CORP COM 064058100 304,115 2,103 SH SOLE 0 0 0 2,103
BARCLAYS PLC ADR 06738E204 408,890 15,223 SH SOLE 0 0 0 15,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,041,812 2,082 SH SOLE 0 0 0 2,082
BLACKROCK INC COM 09290D101 259,621 270 SH SOLE 0 0 0 270
BOOKING HOLDINGS INC COM 09857L108 363,610 2,040 SH SOLE 0 0 0 2,040
BRISTOL-MYERS SQUIBB CO COM 110122108 256,928 4,459 SH SOLE 0 0 0 4,459
BROADCOM INC COM 11135F101 3,058,642 8,097 SH SOLE 0 0 0 8,097
BROOKFIELD CORP CL A LTD VT SH 11271J107 205,369 4,822 SH SOLE 0 0 0 4,822
CANADIAN IMPERIAL BANK OF CO COM 136069101 422,625 3,675 SH SOLE 0 0 0 3,675
CAPITAL ONE FINL CORP COM 14040H105 386,394 1,926 SH SOLE 0 0 0 1,926
CARDINAL HEALTH INC COM 14149Y108 245,637 1,034 SH SOLE 0 0 0 1,034
CASEYS GEN STORES INC COM 147528103 207,440 261 SH SOLE 0 0 0 261
CATERPILLAR INC COM 149123101 1,250,193 1,174 SH SOLE 0 0 0 1,174
CELESTICA INC COM 15101Q207 403,104 1,105 SH SOLE 0 0 0 1,105
CHUBB LIMITED COM H1467J104 221,481 650 SH SOLE 0 0 0 650
CIENA CORP COM NEW 171779309 270,789 552 SH SOLE 0 0 0 552
CISCO SYS INC COM 17275R102 725,198 6,174 SH SOLE 0 0 0 6,174
CITIGROUP INC COM NEW 172967424 334,784 2,392 SH SOLE 0 0 0 2,392
COHERENT CORP COM 19247G107 269,029 682 SH SOLE 0 0 0 682
COMFORT SYS USA INC COM 199908104 475,668 240 SH SOLE 0 0 0 240
CORNING INC COM 219350105 553,006 2,165 SH SOLE 0 0 0 2,165
COSTCO WHOLESALE CORPORATION COM 22160K105 1,292,820 1,382 SH SOLE 0 0 0 1,382
CSX CORP COM 126408103 237,602 4,999 SH SOLE 0 0 0 4,999
CUMMINS INC COM 231021106 366,590 514 SH SOLE 0 0 0 514
CURTISS WRIGHT CORP COM 231561101 211,415 279 SH SOLE 0 0 0 279
D R HORTON INC COM 23331A109 252,464 1,550 SH SOLE 0 0 0 1,550
DEERE & CO COM 244199105 365,374 576 SH SOLE 0 0 0 576
DELL TECHNOLOGIES INC CL C 24703L202 359,838 834 SH SOLE 0 0 0 834
DELTA AIR LINES INC COM NEW 247361702 205,958 2,199 SH SOLE 0 0 0 2,199
DEUTSCHE BK AG NAMEN AKT D18190898 271,059 8,029 SH SOLE 0 0 0 8,029
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 526,224 12,757 SH SOLE 0 0 0 12,757
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 1,675,181 20,444 SH SOLE 0 0 0 20,444
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 16,651,319 375,368 SH SOLE 0 0 0 375,368
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,183,986 26,524 SH SOLE 0 0 0 26,524
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 575,277 8,230 SH SOLE 0 0 0 8,230
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 486,666 9,009 SH SOLE 0 0 0 9,009
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 699,960 19,000 SH SOLE 0 0 0 19,000
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 10,496,303 254,425 SH SOLE 0 0 0 254,425
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 2,358,611 49,395 SH SOLE 0 0 0 49,395
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 498,669 11,814 SH SOLE 0 0 0 11,814
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 415,923 8,605 SH SOLE 0 0 0 8,605
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 407,800 15,589 SH SOLE 0 0 0 15,589
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 8,597,988 230,757 SH SOLE 0 0 0 230,757
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 3,993,089 98,255 SH SOLE 0 0 0 98,255
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 418,021 7,599 SH SOLE 0 0 0 7,599
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 19,238,905 426,583 SH SOLE 0 0 0 426,583
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 21,622,744 442,368 SH SOLE 0 0 0 442,368
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 22,841,112 489,837 SH SOLE 0 0 0 489,837
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 482,301 16,648 SH SOLE 0 0 0 16,648
EATON CORP PLC SHS G29183103 383,082 899 SH SOLE 0 0 0 899
ELI LILLY & CO COM 532457108 1,448,911 1,208 SH SOLE 0 0 0 1,208
EMCOR GROUP INC COM 29084Q100 334,442 403 SH SOLE 0 0 0 403
ENBRIDGE INC COM 29250N105 382,452 7,055 SH SOLE 0 0 0 7,055
EXXON MOBIL CORP COM 30231G102 264,416 1,934 SH SOLE 0 0 0 1,934
FLEX LTD ORD Y2573F102 351,854 2,171 SH SOLE 0 0 0 2,171
FORD MTR CO COM 345370860 157,612 11,339 SH SOLE 0 0 0 11,339
FORTINET INC COM 34959E109 253,166 1,648 SH SOLE 0 0 0 1,648
GE AEROSPACE COM NEW 369604301 510,889 1,367 SH SOLE 0 0 0 1,367
GE VERNOVA INC COM 36828A101 437,048 372 SH SOLE 0 0 0 372
GENERAL MTRS CO COM 37045V100 231,548 3,004 SH SOLE 0 0 0 3,004
GILEAD SCIENCES INC COM 375558103 299,805 2,373 SH SOLE 0 0 0 2,373
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 929,092 9,276 SH SOLE 0 0 0 9,276
GOLDMAN SACHS GROUP INC COM 38141G104 712,004 704 SH SOLE 0 0 0 704
GSK PLC SPONSORED ADR 37733W204 328,202 6,261 SH SOLE 0 0 0 6,261
HARTFORD INSURANCE GROUP INC COM 416515104 226,742 1,711 SH SOLE 0 0 0 1,711
HOME DEPOT INC COM 437076102 590,739 1,675 SH SOLE 0 0 0 1,675
HOWMET AEROSPACE INC COM 443201108 466,203 1,734 SH SOLE 0 0 0 1,734
HSBC HLDGS PLC SPON ADR NEW 404280406 985,227 10,361 SH SOLE 0 0 0 10,361
ING GROEP N.V. SPONSORED ADR 456837103 452,782 14,429 SH SOLE 0 0 0 14,429
INTEL CORP COM 458140100 838,757 6,007 SH SOLE 0 0 0 6,007
INTERNATIONAL BUSINESS MACHS COM 459200101 646,221 2,298 SH SOLE 0 0 0 2,298
ISHARES INC CORE MSCI EMKT 46434G103 1,202,859 14,520 SH SOLE 0 0 0 14,520
ISHARES TR 0-3 MTH TREASURY 46436E718 19,447,104 193,177 SH SOLE 0 0 0 193,177
ISHARES TR RUS MDCP VAL ETF 464287473 1,179,482 7,166 SH SOLE 0 0 0 7,166
ISHARES TR CORE S&P TTL STK 464287150 413,020 2,514 SH SOLE 0 0 0 2,514
ISHARES TR CORE US AGGBD ET 464287226 617,392 6,238 SH SOLE 0 0 0 6,238
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 513,392 10,937 SH SOLE 0 0 0 10,937
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 458,676 9,070 SH SOLE 0 0 0 9,070
JABIL INC COM 466313103 264,825 687 SH SOLE 0 0 0 687
JOHNSON & JOHNSON COM 478160104 1,065,658 4,196 SH SOLE 0 0 0 4,196
JPMORGAN CHASE & CO COM 46625H100 2,425,188 7,409 SH SOLE 0 0 0 7,409
KLA CORP COM NEW 482480100 1,175,764 3,897 SH SOLE 0 0 0 3,897
LAM RESEARCH CORP COM NEW 512807306 1,395,756 3,221 SH SOLE 0 0 0 3,221
LINDE PLC SHS G54950103 301,504 581 SH SOLE 0 0 0 581
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 319,432 54,791 SH SOLE 0 0 0 54,791
LOCKHEED MARTIN CORP COM 539830109 303,638 596 SH SOLE 0 0 0 596
LOWES COS INC COM 548661107 226,002 1,025 SH SOLE 0 0 0 1,025
LUMENTUM HLDGS INC COM 55024U109 204,218 238 SH SOLE 0 0 0 238
MANULIFE FINL CORP COM 56501R106 235,647 5,817 SH SOLE 0 0 0 5,817
MARATHON PETE CORP COM 56585A102 352,313 1,378 SH SOLE 0 0 0 1,378
MARVELL TECHNOLOGY INC COM 573874104 340,190 1,142 SH SOLE 0 0 0 1,142
MASTERCARD INCORPORATED CL A 57636Q104 800,189 1,558 SH SOLE 0 0 0 1,558
MCDONALDS CORP COM 580135101 375,731 1,390 SH SOLE 0 0 0 1,390
MCKESSON CORP COM 58155Q103 348,332 461 SH SOLE 0 0 0 461
MERCK & CO INC COM 58933Y105 405,675 3,157 SH SOLE 0 0 0 3,157
META PLATFORMS INC CL A 30303M102 3,274,405 5,813 SH SOLE 0 0 0 5,813
MICRON TECHNOLOGY INC COM 595112103 2,105,425 1,824 SH SOLE 0 0 0 1,824
MICROSOFT CORP COM 594918104 4,192,372 11,239 SH SOLE 0 0 0 11,239
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 857,498 43,112 SH SOLE 0 0 0 43,112
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 474,133 49,492 SH SOLE 0 0 0 49,492
MORGAN STANLEY COM NEW 617446448 617,086 2,952 SH SOLE 0 0 0 2,952
NATWEST GROUP PLC SPONS ADR 639057207 223,619 12,684 SH SOLE 0 0 0 12,684
NETFLIX INC. COM 64110L106 503,798 7,056 SH SOLE 0 0 0 7,056
NEWMONT CORP COM 651639106 205,480 2,200 SH SOLE 0 0 0 2,200
NOKIA CORP SPONSORED ADR 654902204 327,963 24,696 SH SOLE 0 0 0 24,696
NOMURA HLDGS INC SPONSORED ADR 65535H208 118,591 13,507 SH SOLE 0 0 0 13,507
NOVARTIS AG SPONSORED ADR 66987V109 1,239,342 7,908 SH SOLE 0 0 0 7,908
NOVO-NORDISK A S ADR 670100205 354,564 7,396 SH SOLE 0 0 0 7,396
NVIDIA CORPORATION COM 67066G104 8,122,459 40,594 SH SOLE 0 0 0 40,594
ORACLE CORP COM 68389X105 722,345 4,929 SH SOLE 0 0 0 4,929
PACCAR INC COM 693718108 214,534 1,786 SH SOLE 0 0 0 1,786
PALANTIR TECHNOLOGIES INC CL A 69608A108 222,256 1,905 SH SOLE 0 0 0 1,905
PALO ALTO NETWORKS INC COM 697435105 285,093 836 SH SOLE 0 0 0 836
PARKER-HANNIFIN CORP COM 701094104 408,854 418 SH SOLE 0 0 0 418
PFIZER INC COM 717081103 201,983 8,388 SH SOLE 0 0 0 8,388
PHILIP MORRIS INTL INC COM 718172109 369,418 2,042 SH SOLE 0 0 0 2,042
PROCTER & GAMBLE CO COM 742718109 308,970 2,107 SH SOLE 0 0 0 2,107
PROGRESSIVE CORP COM 743315103 275,465 1,261 SH SOLE 0 0 0 1,261
QUALCOMM INC COM 747525103 337,611 1,827 SH SOLE 0 0 0 1,827
QUANTA SVCS INC COM 74762E102 323,298 449 SH SOLE 0 0 0 449
RELX PLC SPONSORED ADR 759530108 232,806 7,351 SH SOLE 0 0 0 7,351
ROBINHOOD MKTS INC COM CL A 770700102 273,965 2,732 SH SOLE 0 0 0 2,732
ROYAL BK CDA COM 780087102 1,442,167 6,968 SH SOLE 0 0 0 6,968
ROYAL CARIBBEAN GROUP COM V7780T103 273,393 861 SH SOLE 0 0 0 861
RTX CORPORATION COM 75513E101 299,584 1,579 SH SOLE 0 0 0 1,579
SANDISK CORP COM 80004C200 618,455 272 SH SOLE 0 0 0 272
SAP SE SPON ADR 803054204 265,994 1,726 SH SOLE 0 0 0 1,726
SCHWAB CHARLES CORP COM 808513105 235,842 2,556 SH SOLE 0 0 0 2,556
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,824,744 408,313 SH SOLE 0 0 0 408,313
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,751,571 207,638 SH SOLE 0 0 0 207,638
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 519,170 538 SH SOLE 0 0 0 538
SHERWIN WILLIAMS CO COM 824348106 249,288 724 SH SOLE 0 0 0 724
SONY GROUP CORP SPONSORED ADR 835699307 695,460 34,669 SH SOLE 0 0 0 34,669
SPDR SERIES TRUST ST STR P400MID 78464A847 278,392 4,121 SH SOLE 0 0 0 4,121
SPDR SERIES TRUST ST STR P500ETF 78464A854 1,059,096 12,052 SH SOLE 0 0 0 12,052
SPDR SERIES TRUST ST STR SP600 SML 78468R853 224,135 3,887 SH SOLE 0 0 0 3,887
STEEL DYNAMICS INC COM 858119100 228,083 994 SH SOLE 0 0 0 994
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 575,470 24,405 SH SOLE 0 0 0 24,405
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 186,717 11,648 SH SOLE 0 0 0 11,648
TARGA RES CORP COM 87612G101 328,740 1,226 SH SOLE 0 0 0 1,226
TECHNIPFMC PLC COM G87110105 294,969 4,449 SH SOLE 0 0 0 4,449
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 242,390 21,739 SH SOLE 0 0 0 21,739
TERADYNE INC COM 880770102 243,372 503 SH SOLE 0 0 0 503
TESLA INC COM 88160R101 2,034,022 4,836 SH SOLE 0 0 0 4,836
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 399,242 11,784 SH SOLE 0 0 0 11,784
TEXAS INSTRS INC COM 882508104 338,906 1,137 SH SOLE 0 0 0 1,137
THERMO FISHER SCIENTIFIC INC COM 883556102 284,772 568 SH SOLE 0 0 0 568
TJX COS INC NEW COM 872540109 413,141 2,727 SH SOLE 0 0 0 2,727
TORONTO DOMINION BK ONT COM NEW 891160509 496,770 4,091 SH SOLE 0 0 0 4,091
TOTALENERGIES SE ACT F92124100 236,624 3,043 SH SOLE 0 0 0 3,043
TOYOTA MOTOR CORP ADS 892331307 558,481 3,316 SH SOLE 0 0 0 3,316
TRANE TECHNOLOGIES PLC SHS G8994E103 311,887 635 SH SOLE 0 0 0 635
TRAVELERS COMPANIES INC COM 89417E109 357,190 1,082 SH SOLE 0 0 0 1,082
UBS GROUP AG SHS H42097107 434,493 8,767 SH SOLE 0 0 0 8,767
UNILEVER PLC SPON ADR NEW 904767803 233,927 3,891 SH SOLE 0 0 0 3,891
UNION PAC CORP COM 907818108 302,464 1,112 SH SOLE 0 0 0 1,112
UNITED AIRLS HLDGS INC COM 910047109 245,326 1,804 SH SOLE 0 0 0 1,804
UNITED RENTALS INC COM 911363109 419,169 370 SH SOLE 0 0 0 370
UNITEDHEALTH GROUP INC COM 91324P102 468,831 1,128 SH SOLE 0 0 0 1,128
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 248,087 5,123 SH SOLE 0 0 0 5,123
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,754,548 7,444 SH SOLE 0 0 0 7,444
VANGUARD INDEX FDS VALUE ETF 922908744 202,157 928 SH SOLE 0 0 0 928
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 818,493 5,215 SH SOLE 0 0 0 5,215
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 752,418 12,605 SH SOLE 0 0 0 12,605
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 309,301 6,158 SH SOLE 0 0 0 6,158
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 30,403,519 522,397 SH SOLE 0 0 0 522,397
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,140,571 30,043 SH SOLE 0 0 0 30,043
VANGUARD WORLD FD ESG US STK ETF 921910733 451,732 3,416 SH SOLE 0 0 0 3,416
VERIZON COMMUNICATIONS INC COM 92343V104 542,291 12,808 SH SOLE 0 0 0 12,808
VERTEX PHARMACEUTICALS INC COM 92532F100 251,345 506 SH SOLE 0 0 0 506
VERTIV HOLDINGS CO COM CL A 92537N108 246,428 736 SH SOLE 0 0 0 736
VISA INC COM CL A 92826C839 1,052,943 3,069 SH SOLE 0 0 0 3,069
VISTRA CORP COM 92840M102 246,987 1,557 SH SOLE 0 0 0 1,557
WALMART INC COM 931142103 1,120,594 9,894 SH SOLE 0 0 0 9,894
WASTE MGMT INC DEL COM 94106L109 203,044 911 SH SOLE 0 0 0 911
WELLS FARGO & CO COM 949746101 299,570 3,625 SH SOLE 0 0 0 3,625
WESTERN DIGITAL CORP COM 958102105 813,091 1,273 SH SOLE 0 0 0 1,273
WILLIAMS COS INC COM 969457100 259,595 3,492 SH SOLE 0 0 0 3,492
WW GRAINGER INC COM 384802104 278,882 205 SH SOLE 0 0 0 205