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
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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
AFLAC INC COM 001055102 219,382 1,821 SH SOLE 1,821 0 0
ALPHABET INC CAP STK CL A 02079K305 227,289 620 SH SOLE 620 0 0
ALPHABET INC CAP STK CL C 02079K107 1,231,902 3,376 SH SOLE 3,376 0 0
AMAZON COM INC COM 023135106 861,641 3,529 SH SOLE 3,529 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 968,272 7,820 SH SOLE 7,820 0 0
APPLE INC COM 037833100 2,177,439 6,975 SH SOLE 6,975 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 297,486 163 SH SOLE 163 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 324,718 641 SH SOLE 641 0 0
BROADCOM INC COM 11135F101 499,157 1,335 SH SOLE 1,335 0 0
CHEVRON CORPORATION COM 166764100 500,804 2,979 SH SOLE 2,979 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 356,809 4,336 SH SOLE 4,336 0 0
GRANITE CONSTR INC COM 387328107 331,620 2,234 SH SOLE 2,234 0 0
INTEL CORP COM 458140100 213,421 1,746 SH SOLE 1,746 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,530,492 4,884 SH SOLE 4,884 0 0
ISHARES GOLD TR ISHARES NEW 464285204 233,412 2,981 SH SOLE 2,981 0 0
ISHARES TR CORE S&P SCP ETF 464287804 569,052 3,876 SH SOLE 3,876 0 0
ISHARES TR CORE S&P500 ETF 464287200 341,569 453 SH SOLE 453 0 0
ISHARES TR EAFE SML CP ETF 464288273 250,630 2,959 SH SOLE 2,959 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 216,404 724 SH SOLE 724 0 0
JOHNSON & JOHNSON COM 478160104 237,738 917 SH SOLE 917 0 0
JPMORGAN CHASE & CO COM 46625H100 828,094 2,452 SH SOLE 2,452 0 0
MICROSOFT CORP COM 594918104 837,636 2,166 SH SOLE 2,166 0 0
NEXTERA ENERGY INC COM 65339F101 301,845 3,452 SH SOLE 3,452 0 0
NVIDIA CORPORATION COM 67066G104 3,802,096 19,443 SH SOLE 19,443 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 448,118 3,381 SH SOLE 3,381 0 0
QUALCOMM INC COM 747525103 226,387 1,214 SH SOLE 1,214 0 0
SCHWAB CHARLES CORP COM 808513105 237,214 2,358 SH SOLE 2,358 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,212,755 43,552 SH SOLE 43,552 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 212,183 7,294 SH SOLE 7,294 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 237,996 7,382 SH SOLE 7,382 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 239,845 6,946 SH SOLE 6,946 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 640,669 1,418 SH SOLE 1,418 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 778,684 10,184 SH SOLE 10,184 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 338,936 4,358 SH SOLE 4,358 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,529,123 308,037 SH SOLE 308,037 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 22,033,509 456,925 SH SOLE 456,925 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 12,045,085 49,210 SH SOLE 49,210 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,401,024 73,847 SH SOLE 73,847 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 326,238 1,631 SH SOLE 1,631 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 681,388 8,422 SH SOLE 8,422 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 217,047 2,232 SH SOLE 2,232 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 26,266,854 38,034 SH SOLE 38,034 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,084,536 4,454 SH SOLE 4,454 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 842,901 2,794 SH SOLE 2,794 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 116,000,000 311,472 SH SOLE 311,472 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 5,210,585 23,745 SH SOLE 23,745 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 15,456,166 183,325 SH SOLE 183,325 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 338,426 5,634 SH SOLE 5,634 0 0
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 714,570 9,342 SH SOLE 9,342 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,180,008 23,348 SH SOLE 23,348 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,124,528 25,787 SH SOLE 25,787 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 330,719 4,423 SH SOLE 4,423 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,720,981 21,826 SH SOLE 21,826 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 369,102 1,084 SH SOLE 1,084 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 850,081 3,556 SH SOLE 3,556 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 47,672,866 553,628 SH SOLE 553,628 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,956,673 68,948 SH SOLE 68,948 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,649,396 32,087 SH SOLE 32,087 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691 204,956 3,275 SH SOLE 3,275 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 2,829,753 21,260 SH SOLE 21,260 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 298,766 1,085 SH SOLE 1,085 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 207,408 1,263 SH SOLE 1,263 0 0
WALMART INC COM 931142103 314,919 2,836 SH SOLE 2,836 0 0