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
ABBOTT LABORATORIES COM 002824100 214,146 2,360 SH SOLE 0 2,280 0 80
ABBVIE INC COM 00287Y109 211,994 842 SH SOLE 0 743 0 99
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 6,237,057 50,121 SH SOLE 0 49,815 0 306
ADOBE INC COM 00724F101 10,637,668 51,886 SH SOLE 0 51,525 0 361
ADVANCED MICRO DEVICES INC COM 007903107 433,359 746 SH SOLE 0 678 0 68
AEMETIS INC COM NEW 00770K202 28,864 17,600 SH SOLE 0 17,600 0 0
ALPHABET INC CAP STK CL A 02079K305 31,730,882 88,790 SH SOLE 0 87,694 0 1,096
ALPHABET INC CAP STK CL C 02079K107 1,355,374 3,836 SH SOLE 0 3,454 0 382
AMAZON COM INC COM 023135106 17,611,915 73,894 SH SOLE 0 72,651 0 1,243
AMGEN INC COM 031162100 496,409 1,371 SH SOLE 0 1,313 0 58
APPLE INC COM 037833100 34,903,010 120,621 SH SOLE 0 118,699 0 1,922
BANK OF AMER CORP COM 060505104 16,293,734 285,955 SH SOLE 0 283,725 0 2,230
BANK OF NY MELLON CORP COM 064058100 275,048 1,902 SH SOLE 0 1,783 0 119
BERKLEY W R CORP COM 084423102 16,354,426 231,879 SH SOLE 0 230,223 0 1,656
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 35,832,428 71,609 SH SOLE 0 71,063 0 546
BLACKSTONE INC COM 09260D107 247,931 2,107 SH SOLE 0 2,095 0 12
BOEING CO COM 097023105 1,677,859 7,751 SH SOLE 0 7,660 0 91
BRISTOL-MYERS SQUIBB CO COM 110122108 325,409 5,647 SH SOLE 0 5,395 0 252
BROADCOM INC COM 11135F101 16,410,216 43,442 SH SOLE 0 42,878 0 564
BURKE HERBERT FINL SVCS CORP COM 12135Y108 18,617,489 259,080 SH SOLE 0 259,080 0 0
CALIFORNIA WTR SVC GROUP COM 130788102 330,285 6,789 SH SOLE 0 6,777 0 12
CAPITAL ONE FINL CORP COM 14040H105 8,855,969 44,143 SH SOLE 0 43,780 0 363
CATERPILLAR INC COM 149123101 963,735 905 SH SOLE 0 850 0 55
CHEVRON CORPORATION COM 166764100 3,073,356 18,541 SH SOLE 0 18,483 0 58
COCA COLA CO COM 191216100 763,694 9,397 SH SOLE 0 9,375 0 22
CORNING INC COM 219350105 2,648,554 10,369 SH SOLE 0 10,232 0 137
COSTCO WHOLESALE CORPORATION COM 22160K105 1,213,305 1,297 SH SOLE 0 1,254 0 43
DIMENSIONAL ETF TRUST US COR EQU 1 ETF 25434V625 5,400,187 65,872 SH SOLE 0 62,260 0 3,612
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 377,605 4,561 SH SOLE 0 4,196 0 365
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 7,311,282 164,817 SH SOLE 0 164,027 0 790
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2,819,976 40,343 SH SOLE 0 38,529 0 1,814
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,123,722 111,936 SH SOLE 0 110,440 0 1,496
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831 18,843,098 451,548 SH SOLE 0 447,224 0 4,324
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 365,351 13,966 SH SOLE 0 13,966 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 3,638,476 106,622 SH SOLE 0 102,112 0 4,510
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 2,069,504 45,887 SH SOLE 0 45,887 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 679,399 14,570 SH SOLE 0 14,570 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 882,745 30,471 SH SOLE 0 28,509 0 1,962
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 15,606,658 301,928 SH SOLE 0 291,814 0 10,114
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 11,634,356 282,045 SH SOLE 0 268,863 0 13,182
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 4,133,628 102,801 SH SOLE 0 98,752 0 4,049
DISNEY WALT CO COM 254687106 311,594 3,237 SH SOLE 0 3,154 0 83
DOUBLELINE ETF TRUST COMMERCIAL REAL 25861R303 6,993,986 135,006 SH SOLE 0 130,420 0 4,586
ELI LILLY & CO COM 532457108 636,897 531 SH SOLE 0 479 0 52
EXXON MOBIL CORP COM 30231G102 19,116,235 139,820 SH SOLE 0 138,290 0 1,530
GE AEROSPACE COM NEW 369604301 413,719 1,107 SH SOLE 0 1,085 0 22
GE VERNOVA INC COM 36828A101 270,218 230 SH SOLE 0 211 0 19
HOME DEPOT INC COM 437076102 488,214 1,384 SH SOLE 0 1,297 0 87
HONEYWELL AEROSPACE INC COM 43849R105 5,288,897 23,923 SH SOLE 0 23,732 0 191
HONEYWELL INTL INC COM 438516205 5,356,472 23,924 SH SOLE 0 23,732 0 192
HUBBELL INC COM 443510607 16,086,307 30,746 SH SOLE 0 30,513 0 233
INTERNATIONAL BUSINESS MACHS COM 459200101 1,122,872 3,993 SH SOLE 0 3,900 0 93
ISHARES GOLD TR ISHARES NEW 464285204 1,746,697 23,132 SH SOLE 0 23,132 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,333,249 7,465 SH SOLE 0 7,465 0 0
ISHARES TR RUS 1000 ETF 464287622 330,057 806 SH SOLE 0 806 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 1,254,408 27,187 SH SOLE 0 27,187 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 427,595 8,376 SH SOLE 0 8,376 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 353,738 4,894 SH SOLE 0 3,631 0 1,263
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 326,298 6,398 SH SOLE 0 6,398 0 0
JACOBS SOLUTIONS INC COM 46982L108 17,880,995 141,913 SH SOLE 0 140,845 0 1,068
JOHNSON & JOHNSON COM 478160104 1,762,285 6,939 SH SOLE 0 6,764 0 175
JPMORGAN CHASE & CO COM 46625H100 1,515,428 4,630 SH SOLE 0 3,929 0 701
KLA CORP COM NEW 482480100 271,539 900 SH SOLE 0 700 0 200
LISTED FDS TR HORI KI INFL ETF 53656F623 249,400 5,000 SH SOLE 0 5,000 0 0
MARKEL GROUP INC COM 570535104 10,710,307 5,484 SH SOLE 0 5,444 0 40
MARSH & MCLENNAN COS INC COM 571748102 335,173 2,011 SH SOLE 0 1,967 0 44
MASTERCARD INCORPORATED CL A 57636Q104 12,032,621 23,428 SH SOLE 0 23,156 0 272
MCDONALDS CORP COM 580135101 403,850 1,494 SH SOLE 0 1,451 0 43
MERCK & CO INC COM 58933Y105 297,863 2,318 SH SOLE 0 1,965 0 353
META PLATFORMS INC CL A 30303M102 326,718 580 SH SOLE 0 407 0 173
MICRON TECHNOLOGY INC COM 595112103 593,305 514 SH SOLE 0 422 0 92
MICROSOFT CORP COM 594918104 26,265,026 70,412 SH SOLE 0 69,236 0 1,176
NOVO-NORDISK A S ADR 670100205 9,012,001 187,985 SH SOLE 0 186,561 0 1,424
NVIDIA CORPORATION COM 67066G104 1,177,330 5,884 SH SOLE 0 4,023 0 1,861
OREILLY AUTOMOTIVE INC COM 67103H107 274,704 2,983 SH SOLE 0 2,910 0 73
PEPSICO INC COM 713448108 460,902 3,404 SH SOLE 0 3,399 0 5
PERFORMANCE FOOD GROUP CO COM 71377A103 441,459 3,949 SH SOLE 0 3,949 0 0
PFIZER INC COM 717081103 455,746 18,926 SH SOLE 0 18,395 0 531
PHILIP MORRIS INTL INC COM 718172109 235,364 1,301 SH SOLE 0 1,261 0 40
PHILLIPS 66 COM 718546104 239,544 1,417 SH SOLE 0 1,360 0 57
PROCTER & GAMBLE CO COM 742718109 811,212 5,532 SH SOLE 0 5,387 0 145
PROGRESSIVE CORP COM 743315103 22,045,342 100,917 SH SOLE 0 100,083 0 834
REPUBLIC SVCS INC COM 760759100 236,519 1,110 SH SOLE 0 1,057 0 53
ROCKWELL AUTOMATION INC COM 773903109 664,397 1,342 SH SOLE 0 1,325 0 17
RTX CORPORATION COM 75513E101 204,719 1,079 SH SOLE 0 1,024 0 55
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 289,496 10,451 SH SOLE 0 10,451 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,130,450 253,954 SH SOLE 0 252,133 0 1,821
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 4,015,215 162,823 SH SOLE 0 150,712 0 12,111
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,957,290 73,860 SH SOLE 0 73,860 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 216,629 6,832 SH SOLE 0 4,533 0 2,299
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 247,972 4,700 SH SOLE 0 0 0 4,700
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 506,697 9,541 SH SOLE 0 9,541 0 0
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525 19,723,294 401,942 SH SOLE 0 389,181 0 12,761
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,498,767 2,007 SH SOLE 0 2,007 0 0
TESLA INC COM 88160R101 204,832 487 SH SOLE 0 427 0 60
VALERO ENERGY CORP COM 91913Y100 14,216,667 54,587 SH SOLE 0 54,149 0 438
VANECK ETF TRUST GOLD MINERS ETF 92189F106 408,637 5,416 SH SOLE 0 5,416 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 587,223 855 SH SOLE 0 337 0 518
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,814,600 135,668 SH SOLE 0 129,868 0 5,800
VEEVA SYS INC CL A COM 922475108 587,248 3,309 SH SOLE 0 3,303 0 6
VERISIGN INC COM 92343E102 13,975,919 55,557 SH SOLE 0 55,130 0 427
VISA INC COM CL A 92826C839 1,040,519 3,033 SH SOLE 0 2,856 0 177
WATERS CORP COM 941848103 17,394,730 46,381 SH SOLE 0 46,038 0 343
WELLS FARGO & CO COM 949746101 7,635,192 92,391 SH SOLE 0 92,258 0 133
WESTERN DIGITAL CORP COM 958102105 200,558 314 SH SOLE 0 233 0 81
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,615,641 20,343 SH SOLE 0 20,343 0 0
YUM BRANDS INC COM 988498101 224,603 1,405 SH SOLE 0 1,350 0 55
ZOETIS INC CL A 98978V103 7,785,600 108,344 SH SOLE 0 107,537 0 807