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 1,047,627 4,585 SH SOLE 0 0 4,585
ADVANCED MICRO DEVICES INC COM 007903107 1,712,852 7,998 SH SOLE 0 0 7,998
ALNYLAM PHARMACEUTICALS INC COM 02043Q107 798,481 2,008 SH SOLE 0 0 2,008
ALPHABET INC CAP STK CL A 02079K305 2,303,937 7,361 SH SOLE 0 0 7,361
ALPHABET INC CAP STK CL C 02079K107 1,561,804 4,977 SH SOLE 0 0 4,977
AMAZON COM INC COM 023135106 1,015,413 4,399 SH SOLE 0 0 4,399
AMPHENOL CORP NEW CL A 032095101 304,335 2,252 SH SOLE 0 0 2,252
APPLE INC COM 037833100 5,391,556 19,832 SH SOLE 0 0 19,832
ASML HOLDING N V N Y REGISTRY SHS N07059210 363,165 341 SH SOLE 0 0 341
BANCO SANTANDER SA ADR 05964H105 196,595 16,760 SH SOLE 0 0 16,760
BANK AMERICA CORP COM 060505104 558,910 10,162 SH SOLE 0 0 10,162
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,528,800 6 SH SOLE 0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,060,755 2,110 SH SOLE 0 0 2,110
BLUE OWL TECHNOLOGY FIN CORP COMMON STOCK 095924106 319,662 21,985 SH SOLE 0 0 21,985
BROADCOM INC COM 11135F101 1,245,801 3,600 SH SOLE 0 0 3,600
BROOKFIELD CORP CL A LTD VT SH 11271J107 3,203,627 69,811 SH SOLE 0 0 69,811
CATERPILLAR INC COM 149123101 414,238 723 SH SOLE 0 0 723
COHERENT CORP COM 19247G107 3,691,031 19,998 SH SOLE 0 0 19,998
COSTCO WHSL CORP NEW COM 22160K105 995,143 1,154 SH SOLE 0 0 1,154
CROWDSTRIKE HLDGS INC CL A 22788C105 4,262,903 9,094 SH SOLE 0 0 9,094
DEERE & CO COM 244199105 239,773 515 SH SOLE 0 0 515
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 5,239,146 70,637 SH SOLE 0 0 70,637
DISNEY WALT CO COM 254687106 292,161 2,567 SH SOLE 0 0 2,567
DLOCAL LTD CLASS A COM G29018101 452,480 32,000 SH SOLE 0 0 32,000
DOMINION ENERGY INC COM 25746U109 766,240 13,078 SH SOLE 0 0 13,078
DUKE ENERGY CORP NEW COM NEW 26441C204 1,084,661 9,254 SH SOLE 0 0 9,254
EATON CORP PLC SHS G29183103 424,574 1,333 SH SOLE 0 0 1,333
ELEVANCE HEALTH INC FORMERLY COM 036752103 223,300 637 SH SOLE 0 0 637
ELI LILLY & CO COM 532457108 4,123,559 3,837 SH SOLE 0 0 3,837
EXXON MOBIL CORP COM 30231G102 679,165 5,644 SH SOLE 0 0 5,644
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 1,485,805 30,762 SH SOLE 0 0 30,762
GILEAD SCIENCES INC COM 375558103 316,185 2,576 SH SOLE 0 0 2,576
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 200,276 4,687 SH SOLE 0 0 4,687
GOLDMAN SACHS GROUP INC COM 38141G104 312,936 356 SH SOLE 0 0 356
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 1,068,948 27,600 SH SOLE 0 0 27,600
INTERNATIONAL BUSINESS MACHS COM 459200101 3,192,537 10,778 SH SOLE 0 0 10,778
INVESCO QQQ TR UNIT SER 1 46090E103 301,084 490 SH SOLE 0 0 490
ISHARES GOLD TR ISHARES NEW 464285204 480,039 5,914 SH SOLE 0 0 5,914
ISHARES INC CORE MSCI EMKT 46434G103 99,754,460 1,484,000 SH SOLE 0 0 1,484,000
ISHARES INC MSCI CDA ETF 464286509 6,065,873 112,477 SH SOLE 0 0 112,477
ISHARES SILVER TR ISHARES 46428Q109 220,767 3,427 SH SOLE 0 0 3,427
ISHARES TR 0-3 MNTH TREASRY 46436E718 48,090,454 479,084 SH SOLE 0 0 479,084
ISHARES TR 0-5 YR TIPS ETF 46429B747 43,884,673 428,603 SH SOLE 0 0 428,603
ISHARES TR CORE MSCI EAFE 46432F842 1,149,391 12,848 SH SOLE 0 0 12,848
ISHARES TR CORE MSCI EURO 46434V738 102,083,388 1,438,199 SH SOLE 0 0 1,438,199
ISHARES TR CORE MSCI PAC 46434V696 35,838,524 489,530 SH SOLE 0 0 489,530
ISHARES TR CORE S&P SCP ETF 464287804 2,529,139 21,045 SH SOLE 0 0 21,045
ISHARES TR CORE S&P TTL STK 464287150 60,110,635 404,268 SH SOLE 0 0 404,268
ISHARES TR CORE S&P US GWT 464287671 696,582 4,148 SH SOLE 0 0 4,148
ISHARES TR CORE S&P US VLU 464287663 4,627,916 45,133 SH SOLE 0 0 45,133
ISHARES TR CORE S&P500 ETF 464287200 10,006,653 14,610 SH SOLE 0 0 14,610
ISHARES TR CORE US AGGBD ET 464287226 41,990,685 420,411 SH SOLE 0 0 420,411
ISHARES TR NATIONAL MUN ETF 464288414 13,935,827 130,108 SH SOLE 0 0 130,108
ISHARES TR RUS 1000 GRW ETF 464287614 799,508 1,689 SH SOLE 0 0 1,689
ISHARES TR RUS 1000 VAL ETF 464287598 375,008 1,782 SH SOLE 0 0 1,782
ISHARES TR RUS 2000 GRW ETF 464287648 248,072 768 SH SOLE 0 0 768
ISHARES TR RUS 2000 VAL ETF 464287630 412,434 2,276 SH SOLE 0 0 2,276
ISHARES TR RUS MDCP VAL ETF 464287473 274,502 1,946 SH SOLE 0 0 1,946
ISHARES TR RUSSELL 2000 ETF 464287655 682,356 2,772 SH SOLE 0 0 2,772
ISHARES TR S&P 100 ETF 464287101 682,167 1,989 SH SOLE 0 0 1,989
ISHARES TR S&P 500 GRWT ETF 464287309 543,074 4,406 SH SOLE 0 0 4,406
ISHARES TR S&P 500 VAL ETF 464287408 1,652,256 7,791 SH SOLE 0 0 7,791
ISHARES TR S&P MC 400GR ETF 464287606 311,555 3,215 SH SOLE 0 0 3,215
ISHARES TR S&P MC 400VL ETF 464287705 216,503 1,645 SH SOLE 0 0 1,645
ISHARES TR TIPS BD ETF 464287176 562,294 5,116 SH SOLE 0 0 5,116
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 39,176,890 421,257 SH SOLE 0 0 421,257
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 71,930,269 981,313 SH SOLE 0 0 981,313
JOHNSON & JOHNSON COM 478160104 237,578 1,147 SH SOLE 0 0 1,147
JPMORGAN CHASE & CO. COM 46625H100 1,325,714 4,114 SH SOLE 0 0 4,114
LAM RESEARCH CORP COM NEW 512807306 1,241,055 7,250 SH SOLE 0 0 7,250
LEMONADE INC COM 52567D107 270,484 3,800 SH SOLE 0 0 3,800
LINDE PLC SHS G54950103 371,391 871 SH SOLE 0 0 871
LOCKHEED MARTIN CORP COM 539830109 289,718 599 SH SOLE 0 0 599
LOWES COS INC COM 548661107 314,476 1,304 SH SOLE 0 0 1,304
MARKEL GROUP INC COM 570535104 750,228 349 SH SOLE 0 0 349
MASTERCARD INCORPORATED CL A 57636Q104 354,142 620 SH SOLE 0 0 620
MCDONALDS CORP COM 580135101 270,488 885 SH SOLE 0 0 885
MERCADOLIBRE INC COM 58733R102 451,194 224 SH SOLE 0 0 224
MERCK & CO INC COM 58933Y105 327,154 3,108 SH SOLE 0 0 3,108
META PLATFORMS INC CL A 30303M102 870,385 1,319 SH SOLE 0 0 1,319
MICRON TECHNOLOGY INC COM 595112103 239,744 840 SH SOLE 0 0 840
MICROSOFT CORP COM 594918104 2,578,288 5,331 SH SOLE 0 0 5,331
NETFLIX INC COM 64110L106 915,425 9,763 SH SOLE 0 0 9,763
NEXTERA ENERGY INC COM 65339F101 235,461 2,933 SH SOLE 0 0 2,933
NOVO-NORDISK A S ADR 670100205 272,097 5,330 SH SOLE 0 0 5,330
NVIDIA CORPORATION COM 67066G104 20,539,570 110,132 SH SOLE 0 0 110,132
ORACLE CORP COM 68389X105 563,742 2,892 SH SOLE 0 0 2,892
OREILLY AUTOMOTIVE INC COM 67103H107 420,022 4,605 SH SOLE 0 0 4,605
PALANTIR TECHNOLOGIES INC CL A 69608A108 305,019 1,716 SH SOLE 0 0 1,716
PHILIP MORRIS INTL INC COM 718172109 240,760 1,501 SH SOLE 0 0 1,501
PROCTER AND GAMBLE CO COM 742718109 417,039 2,910 SH SOLE 0 0 2,910
PROLOGIS INC. COM 74340W103 514,214 4,028 SH SOLE 0 0 4,028
RTX CORPORATION COM 75513E101 1,714,221 9,347 SH SOLE 0 0 9,347
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,933,997 163,644 SH SOLE 0 0 163,644
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,789,176 373,205 SH SOLE 0 0 373,205
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 529,462 17,881 SH SOLE 0 0 17,881
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 261,191 9,706 SH SOLE 0 0 9,706
SCHWAB STRATEGIC TR US REIT ETF 808524847 15,536,813 743,744 SH SOLE 0 0 743,744
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,020,007 35,815 SH SOLE 0 0 35,815
SCHWAB STRATEGIC TR US TIPS ETF 808524870 278,062,269 10,496,877 SH SOLE 0 0 10,496,877
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 228,023 828 SH SOLE 0 0 828
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 261,338 2,220 SH SOLE 0 0 2,220
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 367,544 3,078 SH SOLE 0 0 3,078
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 287,261 3,698 SH SOLE 0 0 3,698
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 3,142,948 57,384 SH SOLE 0 0 57,384
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,208,230 7,789 SH SOLE 0 0 7,789
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 3,940,893 27,373 SH SOLE 0 0 27,373
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 338,617 7,932 SH SOLE 0 0 7,932
SEMPRA COM 816851109 543,248 6,153 SH SOLE 0 0 6,153
SERIES PORTFOLIOS TR ELM MARKET NAVIG 81752T429 122,533,179 4,496,630 SH SOLE 0 0 4,496,630
SPDR GOLD TR GOLD SHS 78463V107 332,504 838 SH SOLE 0 0 838
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 41,024,764 876,410 SH SOLE 0 0 876,410
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,339,740 6,364 SH SOLE 0 0 6,364
SPDR SERIES TRUST STATE STREET SPD 78464A854 3,447,540 42,976 SH SOLE 0 0 42,976
SPDR SERIES TRUST STATE STREET SPD 78464A508 267,575 4,710 SH SOLE 0 0 4,710
SPDR SERIES TRUST STATE STREET SPD 78468R663 610,672 6,683 SH SOLE 0 0 6,683
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 490,478 1,614 SH SOLE 0 0 1,614
TESLA INC COM 88160R101 207,321 461 SH SOLE 0 0 461
THERMO FISHER SCIENTIFIC INC COM 883556102 290,035 500 SH SOLE 0 0 500
VALERO ENERGY CORP COM 91913Y100 274,952 1,689 SH SOLE 0 0 1,689
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 105,445,045 1,423,586 SH SOLE 0 0 1,423,586
VANGUARD INDEX FDS GROWTH ETF 922908736 1,177,833 2,414 SH SOLE 0 0 2,414
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 635,736 3,584 SH SOLE 0 0 3,584
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,497,082 96,023 SH SOLE 0 0 96,023
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 75,527,506 120,434 SH SOLE 0 0 120,434
VANGUARD INDEX FDS SM CP VAL ETF 922908611 735,206 3,471 SH SOLE 0 0 3,471
VANGUARD INDEX FDS SMALL CP ETF 922908751 27,317,921 105,904 SH SOLE 0 0 105,904
VANGUARD INDEX FDS TOTAL STK MKT 922908769 445,210,038 1,327,915 SH SOLE 0 0 1,327,915
VANGUARD INDEX FDS VALUE ETF 922908744 32,352,225 169,392 SH SOLE 0 0 169,392
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 21,691,190 287,567 SH SOLE 0 0 287,567
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 673,987 9,162 SH SOLE 0 0 9,162
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 344,034,789 6,399,457 SH SOLE 0 0 6,399,457
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 187,628,696 2,244,094 SH SOLE 0 0 2,244,094
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 144,764,491 1,601,377 SH SOLE 0 0 1,601,377
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 22,763,393 452,643 SH SOLE 0 0 452,643
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 78,035,080 1,328,709 SH SOLE 0 0 1,328,709
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 259,521 3,255 SH SOLE 0 0 3,255
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 993,595 4,521 SH SOLE 0 0 4,521
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,387,429 18,391 SH SOLE 0 0 18,391
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,688,624 59,046 SH SOLE 0 0 59,046
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 320,630 4,754 SH SOLE 0 0 4,754
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,490,819 12,864 SH SOLE 0 0 12,864
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,952,824 7,496 SH SOLE 0 0 7,496
VANGUARD WORLD FD CONSUM STP ETF 92204A207 340,941 1,614 SH SOLE 0 0 1,614
VANGUARD WORLD FD FINANCIALS ETF 92204A405 5,043,786 37,784 SH SOLE 0 0 37,784
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,879,939 10,005 SH SOLE 0 0 10,005
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,053,451 6,882 SH SOLE 0 0 6,882
VANGUARD WORLD FD INF TECH ETF 92204A702 3,897,147 5,170 SH SOLE 0 0 5,170
VANGUARD WORLD FD MATERIALS ETF 92204A801 232,456 1,120 SH SOLE 0 0 1,120
VERTEX PHARMACEUTICALS INC COM 92532F100 240,734 531 SH SOLE 0 0 531
VERTIV HOLDINGS CO COM CL A 92537N108 3,086,777 19,053 SH SOLE 0 0 19,053
VISA INC COM CL A 92826C839 458,439 1,307 SH SOLE 0 0 1,307
VISTRA CORP COM 92840M102 451,952 2,801 SH SOLE 0 0 2,801
WALMART INC COM 931142103 449,230 4,032 SH SOLE 0 0 4,032