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 1,211,730 4,815 SH SOLE 0 0 4,815
ADVANCED MICRO DEVICES INC COM 007903107 4,564,355 7,857 SH SOLE 0 0 7,857
AFLAC INC COM 001055102 206,712 1,763 SH SOLE 0 0 1,763
ALPHABET INC CAP STK CL C 02079K107 2,318,950 6,563 SH SOLE 0 0 6,563
ALPHABET INC CAP STK CL A 02079K305 2,654,524 7,428 SH SOLE 0 0 7,428
AMAZON COM INC COM 023135106 1,448,771 6,079 SH SOLE 0 0 6,079
AMPHENOL CORP CL A 032095101 400,361 2,271 SH SOLE 0 0 2,271
APPLE INC COM 037833100 7,575,945 26,182 SH SOLE 0 0 26,182
APPLIED MATLS INC COM 038222105 286,018 396 SH SOLE 0 0 396
ASML HLDG NV N Y REGISTRY SHS N07059210 678,556 341 SH SOLE 0 0 341
BANCO SANTANDER SA ADR 05964H105 231,584 16,781 SH SOLE 0 0 16,781
BANK OF AMER CORP COM 060505104 634,495 11,135 SH SOLE 0 0 11,135
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,493,100 6 SH SOLE 0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,231,797 2,462 SH SOLE 0 0 2,462
BLUE OWL TECHNOLOGY FIN CORP COMMON STOCK 095924106 682,665 65,958 SH SOLE 0 0 65,958
BROADCOM INC COM 11135F101 1,593,160 4,217 SH SOLE 0 0 4,217
BROOKFIELD CORP CL A LTD VT SH 11271J107 2,973,284 69,812 SH SOLE 0 0 69,812
CARLISLE COS INC COM 142339100 218,738 603 SH SOLE 0 0 603
CATERPILLAR INC COM 149123101 804,975 756 SH SOLE 0 0 756
CHEVRON CORPORATION COM 166764100 280,472 1,692 SH SOLE 0 0 1,692
CISCO SYS INC COM 17275R102 221,662 1,887 SH SOLE 0 0 1,887
COCA COLA CO COM 191216100 305,942 3,765 SH SOLE 0 0 3,765
COHERENT CORP COM 19247G107 2,843,158 7,208 SH SOLE 0 0 7,208
COSTCO WHOLESALE CORPORATION COM 22160K105 1,263,440 1,351 SH SOLE 0 0 1,351
CROWDSTRIKE HLDGS INC CL A 22788C105 5,796,643 7,596 SH SOLE 0 0 7,596
DEERE & CO COM 244199105 392,856 619 SH SOLE 0 0 619
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 275,086 6,201 SH SOLE 0 0 6,201
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 6,968,669 85,046 SH SOLE 0 0 85,046
DISNEY WALT CO COM 254687106 215,666 2,241 SH SOLE 0 0 2,241
DOMINION ENERGY INC COM 25746U109 893,097 13,078 SH SOLE 0 0 13,078
DUKE ENERGY CORP NEW COM NEW 26441C204 1,197,827 9,463 SH SOLE 0 0 9,463
EATON CORP PLC SHS G29183103 569,714 1,337 SH SOLE 0 0 1,337
EBAY INC. COM 278642103 252,332 2,258 SH SOLE 0 0 2,258
ELEVANCE HEALTH INC FORMERLY COM 036752103 246,680 638 SH SOLE 0 0 638
ELI LILLY & CO COM 532457108 4,609,166 3,843 SH SOLE 0 0 3,843
EXXON MOBIL CORP COM 30231G102 776,518 5,680 SH SOLE 0 0 5,680
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 1,693,106 32,895 SH SOLE 0 0 32,895
GILEAD SCIENCES INC COM 375558103 327,628 2,593 SH SOLE 0 0 2,593
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 204,822 4,687 SH SOLE 0 0 4,687
INTERNATIONAL BUSINESS MACHS COM 459200101 2,616,152 9,303 SH SOLE 0 0 9,303
INVESCO QQQ TR UNIT SER 1 46090E103 312,465 424 SH SOLE 0 0 424
ISHARES GOLD TR ISHARES NEW 464285204 468,917 6,210 SH SOLE 0 0 6,210
ISHARES INC MSCI CDA ETF 464286509 6,311,026 109,490 SH SOLE 0 0 109,490
ISHARES INC CORE MSCI EMKT 46434G103 140,243,997 1,692,950 SH SOLE 0 0 1,692,950
ISHARES TR NATIONAL MUN ETF 464288414 11,131,467 103,433 SH SOLE 0 0 103,433
ISHARES TR TIPS BD ETF 464287176 1,029,732 9,410 SH SOLE 0 0 9,410
ISHARES TR CORE MSCI EURO 46434V738 76,501,311 1,017,711 SH SOLE 0 0 1,017,711
ISHARES TR S&P 500 VAL ETF 464287408 1,758,591 7,745 SH SOLE 0 0 7,745
ISHARES TR RUS 1000 GRW ETF 464287614 1,070,474 8,621 SH SOLE 0 0 8,621
ISHARES TR 0-5 YR TIPS ETF 46429B747 11,795,824 115,464 SH SOLE 0 0 115,464
ISHARES TR S&P 100 ETF 464287101 762,107 2,083 SH SOLE 0 0 2,083
ISHARES TR CORE S&P US VLU 464287663 6,121,128 55,571 SH SOLE 0 0 55,571
ISHARES TR CORE S&P500 ETF 464287200 11,372,855 15,186 SH SOLE 0 0 15,186
ISHARES TR MSCI EMG MKT ETF 464287234 275,341 4,025 SH SOLE 0 0 4,025
ISHARES TR CORE S&P TTL STK 464287150 66,835,590 406,864 SH SOLE 0 0 406,864
ISHARES TR S&P SML 600 GWT 464287887 207,815 1,164 SH SOLE 0 0 1,164
ISHARES TR CORE MSCI PAC 46434V696 43,736,670 533,830 SH SOLE 0 0 533,830
ISHARES TR RUS 1000 VAL ETF 464287598 411,747 1,698 SH SOLE 0 0 1,698
ISHARES TR RUS MDCP VAL ETF 464287473 334,325 2,031 SH SOLE 0 0 2,031
ISHARES TR 0-3 MTH TREASURY 46436E718 21,403,247 212,608 SH SOLE 0 0 212,608
ISHARES TR CORE MSCI EAFE 46432F842 1,496,728 15,497 SH SOLE 0 0 15,497
ISHARES TR CORE S&P US GWT 464287671 771,132 4,100 SH SOLE 0 0 4,100
ISHARES TR RUS 2000 GRW ETF 464287648 365,500 928 SH SOLE 0 0 928
ISHARES TR S&P MC 400GR ETF 464287606 377,510 3,213 SH SOLE 0 0 3,213
ISHARES TR RUS 2000 VAL ETF 464287630 542,161 2,451 SH SOLE 0 0 2,451
ISHARES TR RUSSELL 2000 ETF 464287655 1,018,526 3,390 SH SOLE 0 0 3,390
ISHARES TR S&P MC 400VL ETF 464287705 241,636 1,636 SH SOLE 0 0 1,636
ISHARES TR CORE S&P SCP ETF 464287804 4,436,402 29,913 SH SOLE 0 0 29,913
ISHARES TR S&P 500 GRWT ETF 464287309 639,215 4,648 SH SOLE 0 0 4,648
ISHARES TR RUSSELL 3000 ETF 464287689 831,906 1,951 SH SOLE 0 0 1,951
ISHARES TR CORE US AGGBD ET 464287226 23,366,311 236,071 SH SOLE 0 0 236,071
J P MORGAN EXCHANGE TRADED F BETA EURO ET NE 46641Q191 51,061,468 656,570 SH SOLE 0 0 656,570
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 31,512,537 317,028 SH SOLE 0 0 317,028
JOHNSON & JOHNSON COM 478160104 423,121 1,666 SH SOLE 0 0 1,666
JPMORGAN CHASE & CO COM 46625H100 1,354,518 4,138 SH SOLE 0 0 4,138
KINDER MORGAN INC DEL COM 49456B101 207,291 6,484 SH SOLE 0 0 6,484
LAM RESEARCH CORP COM NEW 512807306 3,147,618 7,264 SH SOLE 0 0 7,264
LINDE PLC SHS G54950103 539,899 1,040 SH SOLE 0 0 1,040
LOCKHEED MARTIN CORP COM 539830109 305,167 599 SH SOLE 0 0 599
LOWES COS INC COM 548661107 288,830 1,310 SH SOLE 0 0 1,310
MARKEL GROUP INC COM 570535104 710,896 364 SH SOLE 0 0 364
MASTERCARD INCORPORATED CL A 57636Q104 418,578 815 SH SOLE 0 0 815
MCDONALDS CORP COM 580135101 239,833 887 SH SOLE 0 0 887
MERCK & CO INC COM 58933Y105 400,371 3,116 SH SOLE 0 0 3,116
META PLATFORMS INC CL A 30303M102 800,013 1,420 SH SOLE 0 0 1,420
MICRON TECHNOLOGY INC COM 595112103 1,241,005 1,075 SH SOLE 0 0 1,075
MICROSOFT CORP COM 594918104 2,427,789 6,508 SH SOLE 0 0 6,508
NETFLIX INC. COM 64110L106 217,589 3,047 SH SOLE 0 0 3,047
NEXTERA ENERGY INC COM 65339F101 301,993 3,441 SH SOLE 0 0 3,441
NOVO-NORDISK A S ADR 670100205 252,535 5,330 SH SOLE 0 0 5,330
NVIDIA CORPORATION COM 67066G104 21,390,618 106,905 SH SOLE 0 0 106,905
ORACLE CORP COM 68389X105 425,555 2,904 SH SOLE 0 0 2,904
OREILLY AUTOMOTIVE INC COM 67103H107 424,538 4,610 SH SOLE 0 0 4,610
PHILIP MORRIS INTL INC COM 718172109 273,128 1,510 SH SOLE 0 0 1,510
PROCTER & GAMBLE CO COM 742718109 450,823 3,074 SH SOLE 0 0 3,074
RTX CORPORATION COM 75513E101 1,790,989 9,440 SH SOLE 0 0 9,440
SCHWAB STRATEGIC TR US TIPS ETF 808524870 126,889,690 4,788,290 SH SOLE 0 0 4,788,290
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 393,175 13,360 SH SOLE 0 0 13,360
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,544,298 200,155 SH SOLE 0 0 200,155
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,596,195 71,857 SH SOLE 0 0 71,857
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 265,789 8,382 SH SOLE 0 0 8,382
SCHWAB STRATEGIC TR US REIT ETF 808524847 43,008,542 1,816,239 SH SOLE 0 0 1,816,239
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,980,419 102,915 SH SOLE 0 0 102,915
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 623,099 17,900 SH SOLE 0 0 17,900
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 802,436 832 SH SOLE 0 0 832
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 5,835,537 30,630 SH SOLE 0 0 30,630
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 3,221,075 60,083 SH SOLE 0 0 60,083
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 897,642 8,379 SH SOLE 0 0 8,379
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 311,892 3,755 SH SOLE 0 0 3,755
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 2,029,750 10,958 SH SOLE 0 0 10,958
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 206,319 4,059 SH SOLE 0 0 4,059
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1,590,200 13,559 SH SOLE 0 0 13,559
SEMPRA COM 816851109 588,135 6,344 SH SOLE 0 0 6,344
SERIES PORTFOLIOS TR ELM MAR NAV ETF 81752T429 180,716,114 6,168,649 SH SOLE 0 0 6,168,649
SPDR GOLD TR GOLD SHS 78463V107 320,491 870 SH SOLE 0 0 870
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 50,429,290 973,914 SH SOLE 0 0 973,914
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 512,072 5,588 SH SOLE 0 0 5,588
SPDR SERIES TRUST ST STR P500VAL 78464A508 248,388 4,086 SH SOLE 0 0 4,086
SPDR SERIES TRUST ST STR P500ETF 78464A854 22,971,398 261,395 SH SOLE 0 0 261,395
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,616,788 6,182 SH SOLE 0 0 6,182
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 774,213 1,621 SH SOLE 0 0 1,621
THERMO FISHER SCIENTIFIC INC COM 883556102 276,769 552 SH SOLE 0 0 552
TJX COS INC NEW COM 872540109 215,806 1,424 SH SOLE 0 0 1,424
VALERO ENERGY CORP COM 91913Y100 474,001 1,820 SH SOLE 0 0 1,820
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 35,892,979 488,939 SH SOLE 0 0 488,939
VANGUARD INDEX FDS TOTAL STK MKT 922908769 431,623,332 1,166,423 SH SOLE 0 0 1,166,423
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 18,464,718 191,483 SH SOLE 0 0 191,483
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 97,224,941 141,560 SH SOLE 0 0 141,560
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 706,191 3,574 SH SOLE 0 0 3,574
VANGUARD INDEX FDS SM CP VAL ETF 922908611 838,384 3,450 SH SOLE 0 0 3,450
VANGUARD INDEX FDS SMALL CP ETF 922908751 28,558,770 94,216 SH SOLE 0 0 94,216
VANGUARD INDEX FDS LARGE CAP ETF 922908637 364,581 1,060 SH SOLE 0 0 1,060
VANGUARD INDEX FDS GROWTH ETF 922908736 1,955,094 22,697 SH SOLE 0 0 22,697
VANGUARD INDEX FDS VALUE ETF 922908744 35,812,136 164,329 SH SOLE 0 0 164,329
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 289,236,551 3,821,836 SH SOLE 0 0 3,821,836
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 269,667,471 4,517,800 SH SOLE 0 0 4,517,800
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 206,305,821 2,330,086 SH SOLE 0 0 2,330,086
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,663,980 19,868 SH SOLE 0 0 19,868
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 305,298 1,979 SH SOLE 0 0 1,979
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 144,675,726 1,250,547 SH SOLE 0 0 1,250,547
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 13,532,200 267,541 SH SOLE 0 0 267,541
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 257,243 3,255 SH SOLE 0 0 3,255
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 91,451,697 1,571,335 SH SOLE 0 0 1,571,335
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,760,168 7,439 SH SOLE 0 0 7,439
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,618,158 18,928 SH SOLE 0 0 18,928
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,688,178 65,799 SH SOLE 0 0 65,799
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,765,579 15,034 SH SOLE 0 0 15,034
VANGUARD WORLD FD INF TECH ETF 92204A702 7,554,873 63,210 SH SOLE 0 0 63,210
VANGUARD WORLD FD MATERIALS ETF 92204A801 349,820 1,529 SH SOLE 0 0 1,529
VANGUARD WORLD FD ENERGY ETF 92204A306 464,953 3,097 SH SOLE 0 0 3,097
VANGUARD WORLD FD UTILITIES ETF 92204A876 539,432 2,756 SH SOLE 0 0 2,756
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 3,404,582 9,447 SH SOLE 0 0 9,447
VANGUARD WORLD FD FINANCIALS ETF 92204A405 3,862,723 29,352 SH SOLE 0 0 29,352
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,577,765 8,621 SH SOLE 0 0 8,621
VANGUARD WORLD FD CONSUM STP ETF 92204A207 879,415 3,900 SH SOLE 0 0 3,900
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,693,775 6,792 SH SOLE 0 0 6,792
VERTEX PHARMACEUTICALS INC COM 92532F100 317,093 638 SH SOLE 0 0 638
VERTIV HOLDINGS CO COM CL A 92537N108 806,089 2,408 SH SOLE 0 0 2,408
VISA INC COM CL A 92826C839 447,518 1,304 SH SOLE 0 0 1,304
VISTRA CORP COM 92840M102 445,492 2,808 SH SOLE 0 0 2,808
WALMART INC COM 931142103 514,701 4,544 SH SOLE 0 0 4,544