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 758,946 3,016 SH SOLE 0 0 3,016
ACADIA PHARMACEUTICALS INC COM 004225108 240,375 9,501 SH SOLE 0 0 9,501
AGILENT TECHNOLOGIES INC COM 00846U101 417,086 3,140 SH SOLE 0 0 3,140
ALPHABET INC CAP STK CL A 02079K305 6,296,003 17,618 SH SOLE 0 0 17,618
ALPHABET INC CAP STK CL C 02079K107 3,492,667 9,885 SH SOLE 0 0 9,885
ALTRIA GROUP INC COM 02209S103 293,412 4,078 SH SOLE 0 0 4,078
AMAZON COM INC COM 023135106 4,205,033 17,643 SH SOLE 0 0 17,643
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 373,694 7,887 SH SOLE 0 0 7,887
AMERICAN ELEC PWR CO INC COM 025537101 772,566 5,647 SH SOLE 0 0 5,647
AMERICAN EXPRESS CO COM 025816109 328,103 970 SH SOLE 0 0 970
AMERICAN TOWER CORP COM 03027X100 823,739 5,036 SH SOLE 0 0 5,036
AMERICAN WTR WKS CO INC NEW COM 030420103 1,659,750 12,614 SH SOLE 0 0 12,614
AMGEN INC COM 031162100 1,977,175 5,460 SH SOLE 0 0 5,460
AON PLC SHS CL A G0403H108 249,763 753 SH SOLE 0 0 753
APPLE INC COM 037833100 14,206,118 49,095 SH SOLE 0 0 49,095
AT&T INC COM 00206R102 232,956 11,254 SH SOLE 0 0 11,254
BANK OF AMER CORP COM 060505104 1,002,179 17,588 SH SOLE 0 0 17,588
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,125,156 4,247 SH SOLE 0 0 4,247
BLOCK INC CL A 852234103 1,034,968 13,618 SH SOLE 0 0 13,618
BOEING CO COM 097023105 272,752 1,260 SH SOLE 0 0 1,260
BRIGHTHOUSE FINL INC COM 10922N103 218,385 3,450 SH SOLE 0 0 3,450
BRISTOL-MYERS SQUIBB CO COM 110122108 875,700 15,198 SH SOLE 0 0 15,198
BROADCOM INC COM 11135F101 383,416 1,015 SH SOLE 0 0 1,015
BROOKFIELD CORP CL A LTD VT SH 11271J107 653,203 15,337 SH SOLE 0 0 15,337
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 5,335,566 203,803 SH SOLE 0 0 203,803
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409 202,752 7,880 SH SOLE 0 0 7,880
CARRIER GLOBAL CORPORATION COM 14448C104 1,350,740 18,415 SH SOLE 0 0 18,415
CATERPILLAR INC COM 149123101 4,265,989 4,006 SH SOLE 0 0 4,006
CHEVRON CORPORATION COM 166764100 1,637,083 9,876 SH SOLE 0 0 9,876
CISCO SYS INC COM 17275R102 1,834,255 15,616 SH SOLE 0 0 15,616
CITIGROUP INC COM NEW 172967424 495,458 3,540 SH SOLE 0 0 3,540
CLOROX CO DEL COM 189054109 200,424 2,100 SH SOLE 0 0 2,100
COCA COLA CO COM 191216100 1,735,927 21,360 SH SOLE 0 0 21,360
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 200,140 2,000 SH SOLE 0 0 2,000
COLGATE PALMOLIVE CO COM 194162103 257,621 2,810 SH SOLE 0 0 2,810
CONOCOPHILLIPS COM 20825C104 338,206 3,253 SH SOLE 0 0 3,253
CORNING INC COM 219350105 2,243,697 8,784 SH SOLE 0 0 8,784
COSTCO WHOLESALE CORPORATION COM 22160K105 3,433,238 3,670 SH SOLE 0 0 3,670
CUMMINS INC COM 231021106 1,890,007 2,650 SH SOLE 0 0 2,650
CVS HEALTH CORP COM 126650100 951,740 9,200 SH SOLE 0 0 9,200
DANAHER CORP DEL COM 235851102 1,701,939 8,935 SH SOLE 0 0 8,935
DELL TECHNOLOGIES INC CL C 24703L202 2,549,497 5,909 SH SOLE 0 0 5,909
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,467,863 36,505 SH SOLE 0 0 36,505
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 828,001 23,637 SH SOLE 0 0 23,637
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 383,492 8,645 SH SOLE 0 0 8,645
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 324,790 6,283 SH SOLE 0 0 6,283
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 526,460 13,572 SH SOLE 0 0 13,572
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 436,639 9,364 SH SOLE 0 0 9,364
DISNEY WALT CO COM 254687106 289,328 3,006 SH SOLE 0 0 3,006
DOVER CORP COM 260003108 276,089 1,231 SH SOLE 0 0 1,231
ELEVANCE HEALTH INC FORMERLY COM 036752103 773,460 2,000 SH SOLE 0 0 2,000
ELI LILLY & CO COM 532457108 413,803 345 SH SOLE 0 0 345
EMERSON ELEC CO COM 291011104 671,230 4,689 SH SOLE 0 0 4,689
EXXON MOBIL CORP COM 30231G102 540,215 3,951 SH SOLE 0 0 3,951
FEDEX CORP COM 31428X106 291,211 930 SH SOLE 0 0 930
FERRARI N V COM N3167Y103 227,097 610 SH SOLE 0 0 610
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 378,285 1,429 SH SOLE 0 0 1,429
FLEXSHARES TR MORNSTAR UPSTR 33939L407 974,364 19,772 SH SOLE 0 0 19,772
FORTIVE CORP COM 34959J108 562,028 9,200 SH SOLE 0 0 9,200
GE AEROSPACE COM NEW 369604301 460,062 1,231 SH SOLE 0 0 1,231
GE VERNOVA INC COM 36828A101 244,371 208 SH SOLE 0 0 208
GILEAD SCIENCES INC COM 375558103 251,867 1,994 SH SOLE 0 0 1,994
HOME DEPOT INC COM 437076102 2,976,267 8,439 SH SOLE 0 0 8,439
HONEYWELL AEROSPACE INC COM 43849R105 810,479 3,666 SH SOLE 0 0 3,666
HONEYWELL INTL INC COM 438516205 822,503 3,674 SH SOLE 0 0 3,674
ILLINOIS TOOL WKS INC COM 452308109 1,086,478 4,017 SH SOLE 0 0 4,017
INTEL CORP COM 458140100 2,729,914 19,551 SH SOLE 0 0 19,551
INTERNATIONAL BUSINESS MACHS COM 459200101 1,761,781 6,265 SH SOLE 0 0 6,265
INVESCO QQQ TR UNIT SER 1 46090E103 821,086 1,115 SH SOLE 0 0 1,115
ISHARES GOLD TR ISHARES NEW 464285204 476,091 6,305 SH SOLE 0 0 6,305
ISHARES INC CORE MSCI EMKT 46434G103 1,988,657 24,006 SH SOLE 0 0 24,006
ISHARES INC MSCI EMERG MRKT 464286533 691,447 9,185 SH SOLE 0 0 9,185
ISHARES TR 1 3 YR TREAS BD 464287457 712,797 8,681 SH SOLE 0 0 8,681
ISHARES TR CORE INTL AGGR 46435G672 276,833 5,471 SH SOLE 0 0 5,471
ISHARES TR CORE MSCI EAFE 46432F842 1,511,256 15,648 SH SOLE 0 0 15,648
ISHARES TR CORE MSCI TOTAL 46432F834 3,133,104 32,828 SH SOLE 0 0 32,828
ISHARES TR CORE S&P MCP ETF 464287507 1,311,256 17,005 SH SOLE 0 0 17,005
ISHARES TR CORE S&P SCP ETF 464287804 5,269,813 35,532 SH SOLE 0 0 35,532
ISHARES TR CORE S&P TTL STK 464287150 324,177 1,973 SH SOLE 0 0 1,973
ISHARES TR CORE S&P500 ETF 464287200 13,468,577 17,985 SH SOLE 0 0 17,985
ISHARES TR CORE US AGGBD ET 464287226 1,174,695 11,868 SH SOLE 0 0 11,868
ISHARES TR EAFE SML CP ETF 464288273 323,074 3,927 SH SOLE 0 0 3,927
ISHARES TR GL CLEAN ENE ETF 464288224 413,386 20,175 SH SOLE 0 0 20,175
ISHARES TR IBOXX HI YD ETF 464288513 1,002,781 12,539 SH SOLE 0 0 12,539
ISHARES TR ISHARES BIOTECH 464287556 1,891,249 9,944 SH SOLE 0 0 9,944
ISHARES TR ISHS 1-5YR INVS 464288646 450,202 8,590 SH SOLE 0 0 8,590
ISHARES TR MICRO-CAP ETF 464288869 500,100 2,500 SH SOLE 0 0 2,500
ISHARES TR RUS 2000 GRW ETF 464287648 975,839 2,477 SH SOLE 0 0 2,477
ISHARES TR RUS MD CP GR ETF 464287481 1,135,849 7,758 SH SOLE 0 0 7,758
ISHARES TR RUSSELL 2000 ETF 464287655 750,224 2,497 SH SOLE 0 0 2,497
ISHARES TR S&P 500 GRWT ETF 464287309 691,501 5,028 SH SOLE 0 0 5,028
ISHARES TR S&P MC 400GR ETF 464287606 325,475 2,770 SH SOLE 0 0 2,770
ISHARES TR U.S. FIN SVC ETF 464287770 1,137,660 12,575 SH SOLE 0 0 12,575
ISHARES TR U.S. FINLS ETF 464287788 790,799 6,202 SH SOLE 0 0 6,202
ISHARES TR U.S. MED DVC ETF 464288810 1,486,796 30,091 SH SOLE 0 0 30,091
ISHARES TR U.S. REAL ES ETF 464287739 288,447 2,821 SH SOLE 0 0 2,821
ISHARES TR U.S. TECH ETF 464287721 577,607 2,290 SH SOLE 0 0 2,290
ISHARES TR U.S. UTILITS ETF 464287697 765,022 6,675 SH SOLE 0 0 6,675
ISHARES TR US CONSM STAPLES 464287812 354,435 4,878 SH SOLE 0 0 4,878
ISHARES TR US CONSUM DISCRE 464287580 1,412,367 13,970 SH SOLE 0 0 13,970
ISHARES TR US HLTHCARE ETF 464287762 382,292 5,705 SH SOLE 0 0 5,705
ISHARES TR US HLTHCR PR ETF 464288828 490,224 8,860 SH SOLE 0 0 8,860
ISHARES TR US TRSPRTION 464287192 598,228 6,896 SH SOLE 0 0 6,896
JOHNSON & JOHNSON COM 478160104 4,219,204 16,613 SH SOLE 0 0 16,613
JPMORGAN CHASE & CO COM 46625H100 2,412,749 7,371 SH SOLE 0 0 7,371
KEYSIGHT TECHNOLOGIES INC COM 49338L103 490,098 1,400 SH SOLE 0 0 1,400
L3HARRIS TECHNOLOGIES INC COM 502431109 283,035 974 SH SOLE 0 0 974
LISTED FDS TR HORI KI INFL ETF 53656F623 467,825 9,379 SH SOLE 0 0 9,379
LOCKHEED MARTIN CORP COM 539830109 622,560 1,222 SH SOLE 0 0 1,222
LOWES COS INC COM 548661107 310,891 1,410 SH SOLE 0 0 1,410
M & T BK CORP COM 55261F104 238,010 1,000 SH SOLE 0 0 1,000
MASTERCARD INCORPORATED CL A 57636Q104 2,099,083 4,087 SH SOLE 0 0 4,087
MCDONALDS CORP COM 580135101 723,079 2,675 SH SOLE 0 0 2,675
MCKESSON CORP COM 58155Q103 1,186,292 1,570 SH SOLE 0 0 1,570
MERCK & CO INC COM 58933Y105 1,556,939 12,116 SH SOLE 0 0 12,116
META PLATFORMS INC CL A 30303M102 4,438,162 7,879 SH SOLE 0 0 7,879
MICROSOFT CORP COM 594918104 11,191,595 30,003 SH SOLE 0 0 30,003
MONDELEZ INTL INC CL A 609207105 301,636 5,215 SH SOLE 0 0 5,215
MONSTER BEVERAGE CORP NEW COM 61174X109 240,300 2,500 SH SOLE 0 0 2,500
MOODYS CORP COM 615369105 226,460 500 SH SOLE 0 0 500
MORGAN STANLEY COM NEW 617446448 216,984 1,038 SH SOLE 0 0 1,038
NETFLIX INC. COM 64110L106 278,460 3,900 SH SOLE 0 0 3,900
NEXTERA ENERGY INC COM 65339F101 2,408,760 27,444 SH SOLE 0 0 27,444
NOVO-NORDISK A S ADR 670100205 1,594,868 33,268 SH SOLE 0 0 33,268
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 93,300 10,000 SH SOLE 0 0 10,000
NVIDIA CORPORATION COM 67066G104 8,807,473 44,018 SH SOLE 0 0 44,018
ONEOK INC NEW COM 682680103 737,425 8,482 SH SOLE 0 0 8,482
ORACLE CORP COM 68389X105 5,177,172 35,327 SH SOLE 0 0 35,327
OTIS WORLDWIDE CORP COM 68902V107 313,966 4,385 SH SOLE 0 0 4,385
PALANTIR TECHNOLOGIES INC CL A 69608A108 453,380 3,886 SH SOLE 0 0 3,886
PEPSICO INC COM 713448108 1,108,655 8,188 SH SOLE 0 0 8,188
PHILLIPS 66 COM 718546104 816,173 4,828 SH SOLE 0 0 4,828
PROCTER & GAMBLE CO COM 742718109 4,042,425 27,567 SH SOLE 0 0 27,567
QUALCOMM INC COM 747525103 1,258,420 6,810 SH SOLE 0 0 6,810
QUEST DIAGNOSTICS INC COM 74834L100 605,329 2,856 SH SOLE 0 0 2,856
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 212,538 12,250 SH SOLE 0 0 12,250
ROGERS CORP COM 775133101 245,595 1,500 SH SOLE 0 0 1,500
RTX CORPORATION COM 75513E101 1,255,823 6,619 SH SOLE 0 0 6,619
SCHWAB CHARLES CORP COM 808513105 573,458 6,215 SH SOLE 0 0 6,215
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,481,357 161,782 SH SOLE 0 0 161,782
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 271,498 5,112 SH SOLE 0 0 5,112
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 293,404 1,584 SH SOLE 0 0 1,584
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 2,198,245 43,247 SH SOLE 0 0 43,247
SHOPIFY INC CL A SUB VTG SHS 82509L107 610,292 5,345 SH SOLE 0 0 5,345
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 563,762 6,363 SH SOLE 0 0 6,363
SPDR INDEX SHS FDS ST STR EU 50 ETF 78463X202 712,349 10,372 SH SOLE 0 0 10,372
SPDR SERIES TRUST ST STR SP DIV 78464A763 884,593 5,813 SH SOLE 0 0 5,813
SPDR SERIES TRUST ST STR SP HOME 78464A888 1,094,353 9,470 SH SOLE 0 0 9,470
STARBUCKS CORP COM 855244109 412,848 4,040 SH SOLE 0 0 4,040
STATE STR CORP COM 857477103 271,360 1,600 SH SOLE 0 0 1,600
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 216,088 414 SH SOLE 0 0 414
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,191,340 8,291 SH SOLE 0 0 8,291
THERMO FISHER SCIENTIFIC INC COM 883556102 226,113 451 SH SOLE 0 0 451
TIDAL TRUST I ADASINA SOCIAL 886364876 2,772,931 121,195 SH SOLE 0 0 121,195
UBER TECHNOLOGIES INC COM 90353T100 264,611 3,667 SH SOLE 0 0 3,667
UNION PAC CORP COM 907818108 1,848,240 6,795 SH SOLE 0 0 6,795
UNITEDHEALTH GROUP INC COM 91324P102 908,983 2,187 SH SOLE 0 0 2,187
UNIVERSAL HLTH SVCS INC CL B 913903100 766,497 5,155 SH SOLE 0 0 5,155
VANECK ETF TRUST GOLD MINERS ETF 92189F106 831,082 11,015 SH SOLE 0 0 11,015
VANECK ETF TRUST VIDEO GMNG ESPRT 92189F114 271,943 3,030 SH SOLE 0 0 3,030
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,332,514 18,152 SH SOLE 0 0 18,152
VANGUARD INDEX FDS MID CAP ETF 922908629 2,298,904 28,533 SH SOLE 0 0 28,533
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 690,580 4,400 SH SOLE 0 0 4,400
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 322,047 4,075 SH SOLE 0 0 4,075
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 234,397 591 SH SOLE 0 0 591
VANGUARD WORLD FD INF TECH ETF 92204A702 1,571,927 13,152 SH SOLE 0 0 13,152
VERALTO CORP COM SHS 92338C103 441,538 4,979 SH SOLE 0 0 4,979
VERIZON COMMUNICATIONS INC COM 92343V104 500,053 11,810 SH SOLE 0 0 11,810
VISA INC COM CL A 92826C839 3,299,840 9,618 SH SOLE 0 0 9,618
WALMART INC COM 931142103 964,336 8,514 SH SOLE 0 0 8,514
WASTE MGMT INC DEL COM 94106L109 1,583,340 7,104 SH SOLE 0 0 7,104
WELLS FARGO & CO COM 949746101 1,415,954 17,134 SH SOLE 0 0 17,134
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,415,904 14,700 SH SOLE 0 0 14,700
XYLEM INC COM 98419M100 445,652 3,770 SH SOLE 0 0 3,770
YUM BRANDS INC COM 988498101 617,060 3,860 SH SOLE 0 0 3,860
ZILLOW GROUP INC CL C CAP STK 98954M200 201,728 6,400 SH SOLE 0 0 6,400