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 213,553 896 SH SOLE 0 896 0 0
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 1,070,731 5,620 SH SOLE 0 5,620 0 0
ISHARES GOLD TRUST ETF 464285204 1,142,975 15,137 SH SOLE 0 15,136 0 0
JOHNSON & JOHNSON COM Stock 478160104 343,408 1,352 SH SOLE 0 1,352 0 0
WILLIAMS SONOMA INC COM Stock 969904101 508,158 2,180 SH SOLE 0 2,180 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 260,215,934 703,210 SH SOLE 0 703,210 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 11,138,975 113,432 SH SOLE 0 113,431 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 581,815 8,505 SH SOLE 0 8,504 0 0
PROCTER & GAMBLE CO COM Stock 742718109 519,985 3,546 SH SOLE 0 3,546 0 0
COCA COLA CO COM Stock 191216100 292,897 3,604 SH SOLE 0 3,604 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 59,178,698 613,696 SH SOLE 0 613,695 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 4,645,474 6,221 SH SOLE 0 6,220 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 838,662 8,992 SH SOLE 0 8,991 0 0
PRIORITY TECHNOLOGY HLDGS INC COM Stock 74275G107 2,695,440 404,114 SH SOLE 0 404,114 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 4,304,708 27,900 SH SOLE 0 27,900 0 0
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 367,442 2,316 SH SOLE 0 2,315 0 0
SPDR GOLD SHARES ETF 78463V107 2,273,273 6,171 SH SOLE 0 6,171 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 9,088,016 73,190 SH SOLE 0 73,190 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 426,825,612 14,738,453 SH SOLE 0 14,738,453 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 199,663,174 7,208,057 SH SOLE 0 7,208,056 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 4,047,511 39,584 SH SOLE 0 39,584 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 70,618,009 1,907,564 SH SOLE 0 1,907,563 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 60,661,269 409,017 SH SOLE 0 409,016 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 17,300,103 714,290 SH SOLE 0 714,289 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,885,528 7,765 SH SOLE 0 7,765 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 83,334,847 2,298,258 SH SOLE 0 2,298,258 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 98,682,409 1,193,980 SH SOLE 0 1,193,979 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 331,997 929 SH SOLE 0 929 0 0
MICROSOFT CORP COM Stock 594918104 1,449,412 3,886 SH SOLE 0 3,885 0 0
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR CEF 85207H104 1,576,926 52,268 SH SOLE 0 52,268 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 3,471,474 11,452 SH SOLE 0 11,452 0 0
VANGUARD LARGE-CAP ETF ETF 922908637 1,873,966 5,449 SH SOLE 0 5,449 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 17,242,851 682,885 SH SOLE 0 682,885 0 0
TWIST BIOSCIENCE CORP COM Stock 90184D100 205,760 2,000 SH SOLE 0 2,000 0 0
STATE STREET FINANCIAL SELECT SECTOR SPDR ETF ETF 81369Y605 903,054 16,845 SH SOLE 0 16,844 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 1,835,155 20,727 SH SOLE 0 20,726 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 342,632 2,867 SH SOLE 0 2,866 0 0
SCHWAB US TIPS ETF ETF 808524870 5,755,605 217,193 SH SOLE 0 217,192 0 0
VANGUARD S&P 500 ETF ETF 922908363 2,849,909 4,149 SH SOLE 0 4,149 0 0
CROWDSTRIKE HLDGS INC CL A Stock 22788C105 200,706 263 SH SOLE 0 263 0 0
VANGUARD S&P SMALL-CAP 600 ETF ETF 921932828 3,364,777 24,464 SH SOLE 0 24,463 0 0
ELI LILLY & CO COM Stock 532457108 682,476 569 SH SOLE 0 569 0 0
ISHARES IBONDS DEC 2029 TERM CORPORATE ETF ETF 46436E205 10,619,626 458,533 SH SOLE 0 458,533 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 1,309,742 7,957 SH SOLE 0 7,957 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 3,838,024 12,774 SH SOLE 0 12,774 0 0
ISHARES IBONDS DEC 2027 TERM TREASURY ETF ETF 46436E841 6,703,307 299,656 SH SOLE 0 299,656 0 0
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 6,612,515 288,882 SH SOLE 0 288,882 0 0
ISHARES IBONDS DEC 2029 TERM TREASURY ETF ETF 46436E825 5,854,912 270,435 SH SOLE 0 270,434 0 0
ISHARES IBONDS DEC 2028 TERM TREASURY ETF ETF 46436E833 6,596,308 297,936 SH SOLE 0 297,936 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 510,010 9,030 SH SOLE 0 9,029 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 20,211,583 200,771 SH SOLE 0 200,770 0 0
ISHARES IBONDS DEC 2030 TERM CORPORATE ETF ETF 46436E726 10,550,911 483,987 SH SOLE 0 483,986 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,208,595 8,255 SH SOLE 0 8,254 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 2,181,828 18,859 SH SOLE 0 18,859 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 2,732,102 11,244 SH SOLE 0 11,243 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF ETF 46436E528 810,637 35,790 SH SOLE 0 35,789 0 0
ISHARES IBONDS DEC 2030 TERM TREASURY ETF ETF 46436E593 5,813,138 297,499 SH SOLE 0 297,499 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 692,021 15,600 SH SOLE 0 15,600 0 0
DIMENSIONAL U.S. EQUITY MARKET ETF ETF 25434V401 451,322 5,508 SH SOLE 0 5,507 0 0
ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF ETF 46436E478 815,350 36,927 SH SOLE 0 36,927 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 2,073,154 5,669 SH SOLE 0 5,669 0 0
VANGUARD VALUE ETF ETF 922908744 279,811 1,284 SH SOLE 0 1,283 0 0
VANGUARD GROWTH ETF ETF 922908736 353,756 4,107 SH SOLE 0 4,106 0 0
ISHARES IBONDS 2028 TERM HIGH YIELD AND INCOME ETF ETF 46436E387 810,680 34,497 SH SOLE 0 34,497 0 0
CANADIAN PACIFIC KANSAS CITY COM Stock 13646K108 236,381 2,728 SH SOLE 0 2,728 0 0
SANMINA CORP COM Stock 801056102 506,160 2,000 SH SOLE 0 2,000 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 235,080 1,500 SH SOLE 0 1,500 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 2,239,634 23,189 SH SOLE 0 23,189 0 0
NVIDIA CORPORATION COM Stock 67066G104 350,559 1,752 SH SOLE 0 1,752 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 18,237,372 248,432 SH SOLE 0 248,431 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1,013,782 12,105 SH SOLE 0 12,104 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475 1,199,370 15,804 SH SOLE 0 15,804 0 0
TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS ADR 874039100 209,176 438 SH SOLE 0 438 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 217,503 614 SH SOLE 0 614 0 0
CISCO SYS INC COM Stock 17275R102 925,702 7,881 SH SOLE 0 7,881 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 7,477,380 93,502 SH SOLE 0 93,502 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,094,109 2,796 SH SOLE 0 2,796 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 17,251,285 711,980 SH SOLE 0 711,980 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 759,404 24,907 SH SOLE 0 24,906 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 424,220 1,296 SH SOLE 0 1,296 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 10,055,883 189,127 SH SOLE 0 189,127 0 0
CHEVRON CORPORATION COM Stock 166764100 249,137 1,503 SH SOLE 0 1,503 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 118,404,892 1,661,823 SH SOLE 0 1,661,823 0 0
STATE STREET SPDR S&P DIVIDEND ETF ETF 78464A763 1,791,174 11,770 SH SOLE 0 11,770 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 965,956 3,435 SH SOLE 0 3,435 0 0
ORACLE CORP COM Stock 68389X105 571,545 3,900 SH SOLE 0 3,900 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 41,734,636 699,190 SH SOLE 0 699,189 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 29,628,624 187,487 SH SOLE 0 187,487 0 0
CATERPILLAR INC COM Stock 149123101 831,687 781 SH SOLE 0 781 0 0
AMERICAN EXPRESS CO COM Stock 025816109 468,815 1,386 SH SOLE 0 1,386 0 0
STATE STREET SPDR S&P OIL & GAS EXPLORATION & PRODUCTION ETF ETF 78468R556 278,258 1,804 SH SOLE 0 1,803 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 592,728 7,205 SH SOLE 0 7,204 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 161,246,017 1,629,077 SH SOLE 0 1,629,076 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 10,312,289 24,185 SH SOLE 0 24,184 0 0
STATE STREET SPDR DOW JONES REIT ETF ETF 78464A607 2,775,998 24,573 SH SOLE 0 24,572 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 373,792 2,734 SH SOLE 0 2,734 0 0
LOWES COS INC COM Stock 548661107 275,613 1,250 SH SOLE 0 1,250 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 4,184,739 54,270 SH SOLE 0 54,269 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,380,629 13,291 SH SOLE 0 13,290 0 0
APPLE INC COM Stock 037833100 1,914,303 6,616 SH SOLE 0 6,615 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 411,896 2,624 SH SOLE 0 2,624 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 8,386,404 34,593 SH SOLE 0 34,593 0 0