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 359,546 1,937 SH SOLE 0 0 1,937
ADVANCED MICRO DEVICES INC COM 007903107 950,872 6,701 SH SOLE 0 0 6,701
AMPHENOL CORP NEW CL A 032095101 222,385 2,252 SH SOLE 0 0 2,252
APPLE INC COM 037833100 1,508,842 7,354 SH SOLE 0 0 7,354
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,644,000 5 SH SOLE 0 0 5
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 601,541 1,238 SH SOLE 0 0 1,238
BROADCOM INC COM 11135F101 222,037 806 SH SOLE 0 0 806
BROOKFIELD CORP CL A LTD VT SH 11271J107 2,878,808 46,545 SH SOLE 0 0 46,545
COHERENT CORP COM 19247G107 1,784,022 19,998 SH SOLE 0 0 19,998
COSTCO WHSL CORP NEW COM 22160K105 884,017 893 SH SOLE 0 0 893
COTERRA ENERGY INC COM 127097103 698,965 27,540 SH SOLE 0 0 27,540
CROWDSTRIKE HLDGS INC CL A 22788C105 4,583,790 9,000 SH SOLE 0 0 9,000
DOMINION ENERGY INC COM 25746U109 738,660 13,069 SH SOLE 0 0 13,069
DUKE ENERGY CORP NEW COM NEW 26441C204 1,077,576 9,132 SH SOLE 0 0 9,132
EATON CORP PLC SHS G29183103 222,405 623 SH SOLE 0 0 623
ELI LILLY & CO COM 532457108 2,814,886 3,611 SH SOLE 0 0 3,611
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 1,284,147 30,758 SH SOLE 0 0 30,758
GILEAD SCIENCES INC COM 375558103 235,935 2,128 SH SOLE 0 0 2,128
GOLDMAN SACHS GROUP INC COM 38141G104 230,729 326 SH SOLE 0 0 326
INTERNATIONAL BUSINESS MACHS COM 459200101 2,788,538 9,460 SH SOLE 0 0 9,460
ISHARES GOLD TR ISHARES NEW 464285204 269,021 4,314 SH SOLE 0 0 4,314
ISHARES INC CORE MSCI EMKT 46434G103 115,609,000 1,925,854 SH SOLE 0 0 1,925,854
ISHARES INC MSCI CDA ETF 464286509 5,413,351 117,172 SH SOLE 0 0 117,172
ISHARES TR 0-3 MNTH TREASRY 46436E718 171,586,337 1,704,105 SH SOLE 0 0 1,704,105
ISHARES TR 0-5 YR TIPS ETF 46429B747 46,086,904 447,837 SH SOLE 0 0 447,837
ISHARES TR CORE MSCI EAFE 46432F842 854,744 10,239 SH SOLE 0 0 10,239
ISHARES TR CORE MSCI EURO 46434V738 96,030,646 1,450,614 SH SOLE 0 0 1,450,614
ISHARES TR CORE MSCI PAC 46434V696 52,925,782 770,390 SH SOLE 0 0 770,390
ISHARES TR CORE S&P SCP ETF 464287804 2,196,012 20,093 SH SOLE 0 0 20,093
ISHARES TR CORE S&P TTL STK 464287150 54,634,647 404,581 SH SOLE 0 0 404,581
ISHARES TR CORE S&P US VLU 464287663 4,328,257 45,739 SH SOLE 0 0 45,739
ISHARES TR CORE S&P500 ETF 464287200 8,809,749 14,189 SH SOLE 0 0 14,189
ISHARES TR CORE US AGGBD ET 464287226 27,266,975 274,869 SH SOLE 0 0 274,869
ISHARES TR EAFE SML CP ETF 464288273 3,484,497 47,943 SH SOLE 0 0 47,943
ISHARES TR IBOXX INV CP ETF 464287242 4,117,938 37,569 SH SOLE 0 0 37,569
ISHARES TR NATIONAL MUN ETF 464288414 6,653,346 63,681 SH SOLE 0 0 63,681
ISHARES TR RUS 1000 VAL ETF 464287598 219,480 1,130 SH SOLE 0 0 1,130
ISHARES TR RUS MDCP VAL ETF 464287473 251,480 1,903 SH SOLE 0 0 1,903
ISHARES TR S&P 100 ETF 464287101 605,352 1,989 SH SOLE 0 0 1,989
ISHARES TR S&P 500 VAL ETF 464287408 1,051,063 5,378 SH SOLE 0 0 5,378
ISHARES TR TIPS BD ETF 464287176 584,312 5,310 SH SOLE 0 0 5,310
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 24,235,893 300,321 SH SOLE 0 0 300,321
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 48,964,922 725,836 SH SOLE 0 0 725,836
KINDER MORGAN INC DEL COM 49456B101 991,434 33,722 SH SOLE 0 0 33,722
LINDE PLC SHS G54950103 258,521 551 SH SOLE 0 0 551
MARKEL GROUP INC COM 570535104 403,467 202 SH SOLE 0 0 202
META PLATFORMS INC CL A 30303M102 229,738 311 SH SOLE 0 0 311
MICROSOFT CORP COM 594918104 699,181 1,406 SH SOLE 0 0 1,406
NETFLIX INC COM 64110L106 2,465,940 1,841 SH SOLE 0 0 1,841
NVIDIA CORPORATION COM 67066G104 19,033,846 120,475 SH SOLE 0 0 120,475
RTX CORPORATION COM 75513E101 1,265,539 8,667 SH SOLE 0 0 8,667
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,361,309 152,095 SH SOLE 0 0 152,095
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,044,687 94,968 SH SOLE 0 0 94,968
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,241,220 471,726 SH SOLE 0 0 471,726
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 334,779 12,099 SH SOLE 0 0 12,099
SCHWAB STRATEGIC TR US REIT ETF 808524847 11,903,687 562,556 SH SOLE 0 0 562,556
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 783,208 30,957 SH SOLE 0 0 30,957
SCHWAB STRATEGIC TR US TIPS ETF 808524870 180,286,929 6,757,381 SH SOLE 0 0 6,757,381
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 717,058 6,607 SH SOLE 0 0 6,607
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,299,848 24,820 SH SOLE 0 0 24,820
SELECT SECTOR SPDR TR INDL 81369Y704 995,465 6,748 SH SOLE 0 0 6,748
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 327,299 1,506 SH SOLE 0 0 1,506
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 468,330 5,784 SH SOLE 0 0 5,784
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 584,719 4,338 SH SOLE 0 0 4,338
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 267,273 3,273 SH SOLE 0 0 3,273
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,576,868 10,176 SH SOLE 0 0 10,176
SEMPRA COM 816851109 458,257 6,048 SH SOLE 0 0 6,048
SERIES PORTFOLIOS TR ELM MARKET NAVIG 81752T429 161,755,320 6,247,791 SH SOLE 0 0 6,247,791
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 52,967,899 1,239,305 SH SOLE 0 0 1,239,305
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,273,997 2,062 SH SOLE 0 0 2,062
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 840,226 9,160 SH SOLE 0 0 9,160
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 2,451,911 33,731 SH SOLE 0 0 33,731
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 342,226 1,511 SH SOLE 0 0 1,511
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 40,733,471 553,218 SH SOLE 0 0 553,218
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 453,551 2,758 SH SOLE 0 0 2,758
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,613,915 63,035 SH SOLE 0 0 63,035
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 49,851,144 87,761 SH SOLE 0 0 87,761
VANGUARD INDEX FDS SM CP VAL ETF 922908611 591,729 3,034 SH SOLE 0 0 3,034
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,666,538 32,351 SH SOLE 0 0 32,351
VANGUARD INDEX FDS TOTAL STK MKT 922908769 338,181,459 1,112,695 SH SOLE 0 0 1,112,695
VANGUARD INDEX FDS VALUE ETF 922908744 14,556,007 82,358 SH SOLE 0 0 82,358
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,674,344 69,538 SH SOLE 0 0 69,538
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 221,869,557 4,485,838 SH SOLE 0 0 4,485,838
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 143,313,498 1,849,206 SH SOLE 0 0 1,849,206
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 99,045,286 1,205,224 SH SOLE 0 0 1,205,224
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,784,048 199,552 SH SOLE 0 0 199,552
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 21,776,109 370,468 SH SOLE 0 0 370,468
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 374,207 4,707 SH SOLE 0 0 4,707
VANGUARD STAR FDS VG TL INTL STK F 921909768 315,154 4,562 SH SOLE 0 0 4,562
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,140,911 20,012 SH SOLE 0 0 20,012
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 257,740 3,944 SH SOLE 0 0 3,944
VANGUARD WORLD FD COMM SRVC ETF 92204A884 1,681,396 9,831 SH SOLE 0 0 9,831
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,322,471 6,410 SH SOLE 0 0 6,410
VANGUARD WORLD FD ENERGY ETF 92204A306 283,267 2,378 SH SOLE 0 0 2,378
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,175,106 9,231 SH SOLE 0 0 9,231
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,147,082 4,619 SH SOLE 0 0 4,619
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 1,272,358 4,543 SH SOLE 0 0 4,543
VANGUARD WORLD FD INF TECH ETF 92204A702 2,941,739 4,435 SH SOLE 0 0 4,435
VANGUARD WORLD FD MATERIALS ETF 92204A801 281,335 1,444 SH SOLE 0 0 1,444
VERTIV HOLDINGS CO COM CL A 92537N108 2,446,596 19,053 SH SOLE 0 0 19,053
VISTRA CORP COM 92840M102 724,101 3,736 SH SOLE 0 0 3,736