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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
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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
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 9,927,452 223,843 SH SOLE 14,137 0 209,707
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 19,158,996 482,351 SH SOLE 31,510 0 450,841
DIMENSIONAL ETF TRUST INTL COR FIX ETF 25434V575 20,077,606 392,612 SH SOLE 34,331 0 358,281
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 21,873,950 505,289 SH SOLE 28,331 0 476,957
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 16,133,767 401,637 SH SOLE 31,045 0 370,592
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,548,602 85,743 SH SOLE 6,517 0 79,226
SPDR SERIES TRUST ST INTER ETF 78464A672 13,643,913 500,143 SH SOLE 43,009 0 457,134
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 37,764,310 534,829 SH SOLE 36,251 0 498,579
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,833,642 253,271 SH SOLE 24,808 0 228,463
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 59,828,065 159,866 SH SOLE 11,477 0 148,388
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,900,388 89,325 SH SOLE 7,619 0 81,707
ALPHABET INC CAP STK CL A 02079K305 933,375 2,713 SH SOLE 702 0 2,011
ALPHABET INC CAP STK CL C 02079K107 1,926,105 5,653 SH SOLE 237 0 5,416
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,187,950 29,146 SH SOLE 211 0 28,935
ISHARES TR ISHS 1-5YR INVS 464288646 866,452 16,913 SH SOLE 0 0 16,913
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,779,658 75,277 SH SOLE 0 0 75,277
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,079,066 23,023 SH SOLE 0 0 23,023
ISHARES TR SHRT NAT MUN ETF 464288158 4,451,384 42,581 SH SOLE 475 0 42,106
PIMCO ETF TR INTER MUN BD ACT 72201R866 8,309,955 167,236 SH SOLE 5,581 0 161,655
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,177,403 67,090 SH SOLE 0 0 67,090
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,429,811 287,609 SH SOLE 25,760 0 261,848
AMERICAN CENTY ETF TR US SML CP VALU 025072877 5,034,597 42,749 SH SOLE 195 0 42,555
SPDR SERIES TRUST ST STR PR SP1500 78464A805 2,221,362 24,132 SH SOLE 0 0 24,132
ADVANCED MICRO DEVICES INC COM 007903107 352,374 576 SH SOLE 252 0 324
AMAZON COM INC COM 023135106 2,029,576 8,146 SH SOLE 186 0 7,960
BROADCOM INC COM 11135F101 301,573 859 SH SOLE 116 0 743
CISCO SYS INC COM 17275R102 234,653 2,180 SH SOLE 57 0 2,123
ELI LILLY & CO COM 532457108 214,089 185 SH SOLE 18 0 167
JPMORGAN CHASE & CO COM 46625H100 213,385 645 SH SOLE 47 0 598
META PLATFORMS INC CL A 30303M102 509,802 703 SH SOLE 69 0 634
MICROSOFT CORP COM 594918104 1,362,590 2,657 SH SOLE 426 0 2,231
NETFLIX INC. COM 64110L106 463,403 6,660 SH SOLE 124 0 6,536
NVIDIA CORPORATION COM 67066G104 1,406,227 6,157 SH SOLE 1,231 0 4,926
ORACLE CORP COM 68389X105 393,622 2,867 SH SOLE 35 0 2,832
SALESFORCE INC COM 79466L302 269,286 1,173 SH SOLE 4 0 1,169
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,944,652 31,319 SH SOLE 0 0 31,319
ISHARES TR CORE S&P MCP ETF 464287507 499,975 6,949 SH SOLE 1,271 0 5,678
ISHARES TR CORE S&P SCP ETF 464287804 453,029 3,330 SH SOLE 320 0 3,010
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,270,391 3,239 SH SOLE 713 0 2,527
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 2,718,430 56,224 SH SOLE 101 0 56,123
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 1,808,709 36,503 SH SOLE 180 0 36,323
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 4,167,493 92,262 SH SOLE 3,052 0 89,211
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 8,425,420 178,618 SH SOLE 9,952 0 168,666
ISHARES TR ESG AWRE 1 5 YR 46435G243 483,567 19,794 SH SOLE 115 0 19,679
VANGUARD WORLD FD ESG US CORP BD 921910691 1,394,655 23,408 SH SOLE 149 0 23,259
VANGUARD STAR FDS VG TL INTL STK F 921909768 553,326 6,513 SH SOLE 0 0 6,513
ISHARES TR ESG EAFE ETF 46436E759 3,784,363 44,706 SH SOLE 0 0 44,706
ISHARES TR ESG MSCI USA ETF 46436E767 2,789,031 40,979 SH SOLE 0 0 40,979
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 813,414 13,715 SH SOLE 1,461 0 12,254
SPDR SERIES TRUST ST STR SP600SM C 78464A300 442,662 4,333 SH SOLE 0 0 4,333
ISHARES TR NATIONAL MUN ETF 464288414 3,620,998 35,816 SH SOLE 0 0 35,816
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 595,771 21,688 SH SOLE 0 0 21,688
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 325,894 6,339 SH SOLE 854 0 5,485
T ROWE PRICE EXCHANGE-TRADED PRICE DIV GRWT 87283Q404 673,006 13,945 SH SOLE 1,887 0 12,058
ISHARES TR ISHS 5-10YR INVT 464288638 584,664 11,612 SH SOLE 0 0 11,612
ISHARES INC CORE MSCI EMKT 46434G103 746,347 9,196 SH SOLE 0 0 9,196
ISHARES TR CORE S&P TTL STK 464287150 420,688 2,530 SH SOLE 0 0 2,530
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 384,014 1,777 SH SOLE 0 0 1,777
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 546,143 2,790 SH SOLE 0 0 2,790
ISHARES INC ESG AWR MSCI EM 46434G863 1,626,046 30,023 SH SOLE 0 0 30,023
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 3,119,085 27,435 SH SOLE 0 0 27,435
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 3,259,063 61,901 SH SOLE 0 0 61,901
APPLE INC COM 037833100 2,463,709 7,398 SH SOLE 277 0 7,121
TESLA INC COM 88160R101 393,839 1,110 SH SOLE 71 0 1,039
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 908,894 33,601 SH SOLE 0 0 33,601
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 1,619,231 33,369 SH SOLE 0 0 33,369
ISHARES TR CORE S&P500 ETF 464287200 441,895 577 SH SOLE 4 0 573
ISHARES TR ESG AWARE MSCI 46435U663 335,816 6,458 SH SOLE 0 0 6,458
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 302,100 8,408 SH SOLE 0 0 8,408
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 261,979 2,403 SH SOLE 0 0 2,403
ISHARES TR ESG AW MSCI EAFE 46435G516 612,446 5,943 SH SOLE 0 0 5,943
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 250,805 11,698 SH SOLE 0 0 11,698
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 744,038 31,394 SH SOLE 0 0 31,394
TIDAL TRUST III NAACP MINO ETF 45259A209 252,056 4,134 SH SOLE 0 0 4,134
LOWES COS INC COM 548661107 876,852 4,758 SH SOLE 15 0 4,743
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,765,867 4,938 SH SOLE 0 0 4,938
INVESCO QQQ TR UNIT SER 1 46090E103 1,039,103 1,405 SH SOLE 0 0 1,405
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 212,283 5,644 SH SOLE 0 0 5,644
VANGUARD WORLD FD INF TECH ETF 92204A702 268,431 2,136 SH SOLE 0 0 2,136
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 397,681 6,157 SH SOLE 0 0 6,157
ISHARES TR CALIF MUN BD ETF 464288356 237,316 4,385 SH SOLE 0 0 4,385
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 731,310 8,814 SH SOLE 8,654 0 160
WORLD GOLD TR SPDR GLD MINIS 98149E303 419,940 5,110 SH SOLE 0 0 5,110
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 1,887,385 40,458 SH SOLE 0 0 40,458
RB GLOBAL INC COM 74935Q107 213,649 2,625 SH SOLE 0 0 2,625
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 305,573 7,381 SH SOLE 0 0 7,381