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 1,052,581 4,546 SH SOLE 0 0 4,546
ADVANCED MICRO DEVICES INC COM 007903107 1,246,107 7,702 SH SOLE 0 0 7,702
ADVANCED MICRO DEVICES INC COM 007903107 2,831,325 17,500 SH Call SOLE 0 0 17,500
ALPHABET INC CAP STK CL A 02079K305 1,821,317 7,487 SH SOLE 0 0 7,487
AMAZON COM INC COM 023135106 1,591,039 7,246 SH SOLE 0 0 7,246
AMPHENOL CORP NEW CL A 032095101 278,685 2,252 SH SOLE 0 0 2,252
APPLE INC COM 037833100 6,310,522 24,783 SH SOLE 0 0 24,783
ASML HOLDING N V N Y REGISTRY SHS N07059210 330,746 341 SH SOLE 0 0 341
BANCO SANTANDER S.A. ADR 05964H105 175,645 16,760 SH SOLE 0 0 16,760
BANK AMERICA CORP COM 060505104 460,957 8,935 SH SOLE 0 0 8,935
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,525,200 6 SH SOLE 0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 909,620 1,809 SH SOLE 0 0 1,809
BLUE OWL TECHNOLOGY FIN CORP COMMON STOCK 095924106 143,935 10,415 SH SOLE 0 0 10,415
BROADCOM INC COM 11135F101 1,197,746 3,631 SH SOLE 0 0 3,631
BROOKFIELD CORP CL A LTD VT SH 11271J107 3,191,782 46,541 SH SOLE 0 0 46,541
CATERPILLAR INC COM 149123101 330,707 693 SH SOLE 0 0 693
COHERENT CORP COM 19247G107 2,154,185 19,998 SH SOLE 0 0 19,998
COHERENT CORP COM 19247G107 2,154,400 20,000 SH Call SOLE 0 0 20,000
COSTCO WHSL CORP NEW COM 22160K105 961,731 1,039 SH SOLE 0 0 1,039
CROWDSTRIKE HLDGS INC CL A 22788C105 4,459,516 9,094 SH SOLE 0 0 9,094
DEERE & CO COM 244199105 204,855 448 SH SOLE 0 0 448
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 5,116,944 70,637 SH SOLE 0 0 70,637
DISNEY WALT CO COM 254687106 240,794 2,103 SH SOLE 0 0 2,103
DOMINION ENERGY INC COM 25746U109 799,981 13,078 SH SOLE 0 0 13,078
DUKE ENERGY CORP NEW COM NEW 26441C204 1,134,911 9,171 SH SOLE 0 0 9,171
EATON CORP PLC SHS G29183103 498,501 1,332 SH SOLE 0 0 1,332
EBAY INC. COM 278642103 204,274 2,246 SH SOLE 0 0 2,246
ELEVANCE HEALTH INC FORMERLY COM 036752103 205,827 637 SH SOLE 0 0 637
ELI LILLY & CO COM 532457108 2,976,469 3,901 SH SOLE 0 0 3,901
EXXON MOBIL CORP COM 30231G102 618,733 5,488 SH SOLE 0 0 5,488
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 1,396,542 30,759 SH SOLE 0 0 30,759
GILEAD SCIENCES INC COM 375558103 285,608 2,573 SH SOLE 0 0 2,573
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 223,429 4,687 SH SOLE 0 0 4,687
GOLDMAN SACHS GROUP INC COM 38141G104 273,952 344 SH SOLE 0 0 344
INTERNATIONAL BUSINESS MACHS COM 459200101 2,927,522 10,375 SH SOLE 0 0 10,375
INVESCO QQQ TR UNIT SER 1 46090E103 265,117 441 SH SOLE 0 0 441
ISHARES GOLD TR ISHARES NEW 464285204 313,930 4,314 SH SOLE 0 0 4,314
ISHARES INC CORE MSCI EMKT 46434G103 98,956,707 1,501,164 SH SOLE 0 0 1,501,164
ISHARES INC MSCI CDA ETF 464286509 5,855,363 115,833 SH SOLE 0 0 115,833
ISHARES TR 0-3 MNTH TREASRY 46436E718 101,054,531 1,003,521 SH SOLE 0 0 1,003,521
ISHARES TR 0-5 YR TIPS ETF 46429B747 45,875,232 443,839 SH SOLE 0 0 443,839
ISHARES TR CORE MSCI EAFE 46432F842 1,117,042 12,794 SH SOLE 0 0 12,794
ISHARES TR CORE MSCI EURO 46434V738 105,649,487 1,550,932 SH SOLE 0 0 1,550,932
ISHARES TR CORE MSCI PAC 46434V696 34,757,858 473,347 SH SOLE 0 0 473,347
ISHARES TR CORE S&P SCP ETF 464287804 2,410,998 20,289 SH SOLE 0 0 20,289
ISHARES TR CORE S&P TTL STK 464287150 59,772,024 410,381 SH SOLE 0 0 410,381
ISHARES TR CORE S&P US GWT 464287671 686,922 4,175 SH SOLE 0 0 4,175
ISHARES TR CORE S&P US VLU 464287663 4,513,918 45,162 SH SOLE 0 0 45,162
ISHARES TR CORE S&P500 ETF 464287200 9,838,813 14,700 SH SOLE 0 0 14,700
ISHARES TR CORE US AGGBD ET 464287226 29,587,683 295,139 SH SOLE 0 0 295,139
ISHARES TR ESG AWRE 1 5 YR 46435G243 273,829 10,819 SH SOLE 0 0 10,819
ISHARES TR NATIONAL MUN ETF 464288414 5,340,673 50,152 SH SOLE 0 0 50,152
ISHARES TR RUS 1000 GRW ETF 464287614 3,676,644 7,849 SH SOLE 0 0 7,849
ISHARES TR RUS 1000 VAL ETF 464287598 362,331 1,779 SH SOLE 0 0 1,779
ISHARES TR RUS 2000 GRW ETF 464287648 556,230 1,738 SH SOLE 0 0 1,738
ISHARES TR RUS 2000 VAL ETF 464287630 402,420 2,276 SH SOLE 0 0 2,276
ISHARES TR RUS MDCP VAL ETF 464287473 271,817 1,946 SH SOLE 0 0 1,946
ISHARES TR RUSSELL 2000 ETF 464287655 546,346 2,258 SH SOLE 0 0 2,258
ISHARES TR S&P 100 ETF 464287101 662,019 1,989 SH SOLE 0 0 1,989
ISHARES TR S&P 500 GRWT ETF 464287309 531,312 4,401 SH SOLE 0 0 4,401
ISHARES TR S&P 500 VAL ETF 464287408 1,589,444 7,697 SH SOLE 0 0 7,697
ISHARES TR S&P MC 400GR ETF 464287606 307,712 3,209 SH SOLE 0 0 3,209
ISHARES TR S&P MC 400VL ETF 464287705 212,122 1,635 SH SOLE 0 0 1,635
ISHARES TR TIPS BD ETF 464287176 352,227 3,166 SH SOLE 0 0 3,166
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 34,269,096 392,859 SH SOLE 0 0 392,859
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 64,101,549 920,867 SH SOLE 0 0 920,867
JPMORGAN CHASE & CO. COM 46625H100 1,233,428 3,910 SH SOLE 0 0 3,910
LAM RESEARCH CORP COM NEW 512807306 670,839 5,010 SH SOLE 0 0 5,010
LEMONADE INC COM 52567D107 203,414 3,800 SH SOLE 0 0 3,800
LINDE PLC SHS G54950103 413,729 871 SH SOLE 0 0 871
LOCKHEED MARTIN CORP COM 539830109 304,518 610 SH SOLE 0 0 610
LOWES COS INC COM 548661107 333,994 1,329 SH SOLE 0 0 1,329
MARKEL GROUP INC COM 570535104 571,497 299 SH SOLE 0 0 299
MASTERCARD INCORPORATED CL A 57636Q104 313,039 550 SH SOLE 0 0 550
MCDONALDS CORP COM 580135101 268,946 885 SH SOLE 0 0 885
META PLATFORMS INC CL A 30303M102 974,949 1,328 SH SOLE 0 0 1,328
MICRON TECHNOLOGY INC COM 595112103 5,521,560 33,000 SH Call SOLE 0 0 33,000
MICROSOFT CORP COM 594918104 2,742,663 5,295 SH SOLE 0 0 5,295
NETFLIX INC COM 64110L106 2,138,213 1,783 SH SOLE 0 0 1,783
NEXTERA ENERGY INC COM 65339F101 207,899 2,754 SH SOLE 0 0 2,754
NOVO-NORDISK A S ADR 670100205 293,630 5,330 SH SOLE 0 0 5,330
NVIDIA CORPORATION COM 67066G104 24,722,362 132,503 SH SOLE 0 0 132,503
ORACLE CORP COM 68389X105 813,435 2,892 SH SOLE 0 0 2,892
OREILLY AUTOMOTIVE INC COM 67103H107 496,465 4,605 SH SOLE 0 0 4,605
PALANTIR TECHNOLOGIES INC CL A 69608A108 244,625 1,341 SH SOLE 0 0 1,341
PHILIP MORRIS INTL INC COM 718172109 243,462 1,501 SH SOLE 0 0 1,501
PROCTER AND GAMBLE CO COM 742718109 454,197 2,956 SH SOLE 0 0 2,956
RTX CORPORATION COM 75513E101 1,555,984 9,299 SH SOLE 0 0 9,299
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,605,663 154,882 SH SOLE 0 0 154,882
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,139,678 549,968 SH SOLE 0 0 549,968
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 355,608 12,215 SH SOLE 0 0 12,215
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 270,186 10,257 SH SOLE 0 0 10,257
SCHWAB STRATEGIC TR US REIT ETF 808524847 17,240,413 799,277 SH SOLE 0 0 799,277
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 904,040 32,403 SH SOLE 0 0 32,403
SCHWAB STRATEGIC TR US TIPS ETF 808524870 229,619,749 8,520,213 SH SOLE 0 0 8,520,213
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 782,071 6,607 SH SOLE 0 0 6,607
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,548,196 28,739 SH SOLE 0 0 28,739
SELECT SECTOR SPDR TR INDL 81369Y704 1,052,311 6,823 SH SOLE 0 0 6,823
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 368,806 1,539 SH SOLE 0 0 1,539
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 618,750 4,446 SH SOLE 0 0 4,446
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 345,875 3,966 SH SOLE 0 0 3,966
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,217,996 11,417 SH SOLE 0 0 11,417
SEMPRA COM 816851109 570,653 6,342 SH SOLE 0 0 6,342
SERIES PORTFOLIOS TR ELM MARKET NAVIG 81752T429 165,293,658 6,048,885 SH SOLE 0 0 6,048,885
SPDR GOLD TR GOLD SHS 78463V107 214,704 603 SH SOLE 0 0 603
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 33,213,898 709,547 SH SOLE 0 0 709,547
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,705,496 7,063 SH SOLE 0 0 7,063
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 641,495 6,992 SH SOLE 0 0 6,992
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 3,062,942 39,098 SH SOLE 0 0 39,098
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 258,612 4,674 SH SOLE 0 0 4,674
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 425,917 1,525 SH SOLE 0 0 1,525
TESLA INC COM 88160R101 742,238 1,669 SH SOLE 0 0 1,669
THERMO FISHER SCIENTIFIC INC COM 883556102 242,770 500 SH SOLE 0 0 500
VALERO ENERGY CORP COM 91913Y100 275,821 1,620 SH SOLE 0 0 1,620
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 56,230,672 756,093 SH SOLE 0 0 756,093
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 355,478 7,187 SH SOLE 0 0 7,187
VANGUARD INDEX FDS GROWTH ETF 922908736 816,935 1,703 SH SOLE 0 0 1,703
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 625,456 3,583 SH SOLE 0 0 3,583
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,055,958 66,243 SH SOLE 0 0 66,243
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 55,493,633 90,620 SH SOLE 0 0 90,620
VANGUARD INDEX FDS SM CP VAL ETF 922908611 964,636 4,622 SH SOLE 0 0 4,622
VANGUARD INDEX FDS SMALL CP ETF 922908751 26,857,848 105,623 SH SOLE 0 0 105,623
VANGUARD INDEX FDS TOTAL STK MKT 922908769 413,518,645 1,260,074 SH SOLE 0 0 1,260,074
VANGUARD INDEX FDS VALUE ETF 922908744 29,048,469 155,764 SH SOLE 0 0 155,764
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 394,427 5,526 SH SOLE 0 0 5,526
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 316,483,974 5,841,343 SH SOLE 0 0 5,841,343
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 155,047,174 1,942,947 SH SOLE 0 0 1,942,947
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 135,472,908 1,542,269 SH SOLE 0 0 1,542,269
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,750,598 134,823 SH SOLE 0 0 134,823
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 49,436,001 840,034 SH SOLE 0 0 840,034
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 260,172 3,255 SH SOLE 0 0 3,255
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 774,469 3,589 SH SOLE 0 0 3,589
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,347,864 18,348 SH SOLE 0 0 18,348
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,137,796 52,366 SH SOLE 0 0 52,366
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 318,110 4,754 SH SOLE 0 0 4,754
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,019,224 10,756 SH SOLE 0 0 10,756
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,645,490 6,678 SH SOLE 0 0 6,678
VANGUARD WORLD FD CONSUM STP ETF 92204A207 396,469 1,855 SH SOLE 0 0 1,855
VANGUARD WORLD FD ENERGY ETF 92204A306 319,055 2,535 SH SOLE 0 0 2,535
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,733,073 20,825 SH SOLE 0 0 20,825
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,354,333 5,217 SH SOLE 0 0 5,217
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 1,454,488 4,909 SH SOLE 0 0 4,909
VANGUARD WORLD FD INF TECH ETF 92204A702 3,524,197 4,720 SH SOLE 0 0 4,720
VANGUARD WORLD FD MATERIALS ETF 92204A801 323,269 1,578 SH SOLE 0 0 1,578
VERTEX PHARMACEUTICALS INC COM 92532F100 207,569 530 SH SOLE 0 0 530
VERTIV HOLDINGS CO COM CL A 92537N108 2,874,336 19,053 SH SOLE 0 0 19,053
VISA INC COM CL A 92826C839 446,243 1,307 SH SOLE 0 0 1,307
VISTRA CORP COM 92840M102 548,853 2,801 SH SOLE 0 0 2,801
WALMART INC COM 931142103 389,796 3,782 SH SOLE 0 0 3,782