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 818,254 3,128 SH SOLE 0 0 0 3,128
ADVANCED MICRO DEVICES INC COM 007903107 1,125,027 1,839 SH SOLE 0 0 0 1,839
AFLAC INC COM 001055102 250,834 2,244 SH SOLE 0 0 0 2,244
AGNICO EAGLE MINES LTD COM 008474108 447,179 2,440 SH SOLE 0 0 0 2,440
ALPHABET INC CAP STK CL A 02079K305 3,414,650 9,924 SH SOLE 0 0 0 9,924
ALPHABET INC CAP STK CL C 02079K107 2,720,468 7,984 SH SOLE 0 0 0 7,984
AMAZON COM INC COM 023135106 3,356,798 13,473 SH SOLE 0 0 0 13,473
AMERICAN EXPRESS CO COM 025816109 389,248 1,280 SH SOLE 0 0 0 1,280
AMERIPRISE FINL INC COM 03076C106 265,377 539 SH SOLE 0 0 0 539
AMGEN INC COM 031162100 360,813 856 SH SOLE 0 0 0 856
AMPHENOL CORP CL A 032095101 253,490 3,007 SH SOLE 0 0 0 3,007
ANALOG DEVICES INC COM 032654105 291,979 736 SH SOLE 0 0 0 736
ANHEUSER BUSCH INBEV SA NV SPONSORED ADR 03524A108 400,485 5,451 SH SOLE 0 0 0 5,451
APPLE INC COM 037833100 8,331,459 25,018 SH SOLE 0 0 0 25,018
APPLIED MATLS INC COM 038222105 835,595 1,634 SH SOLE 0 0 0 1,634
ARISTA NETWORKS INC COM SHS 040413205 459,095 2,255 SH SOLE 0 0 0 2,255
ASML HLDG NV N Y REGISTRY SHS N07059210 2,670,402 1,474 SH SOLE 0 0 0 1,474
ASTRAZENECA PLC ORD G0593M107 650,103 4,026 SH SOLE 0 0 0 4,026
AT&T INC COM 00206R102 370,587 15,188 SH SOLE 0 0 0 15,188
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 692,291 24,840 SH SOLE 0 0 0 24,840
BANCO SANTANDER SA ADR 05964H105 905,893 65,502 SH SOLE 0 0 0 65,502
BANK NOVA SCOTIA B C COM 064149107 357,728 3,938 SH SOLE 0 0 0 3,938
BANK OF AMER CORP COM 060505104 547,620 10,061 SH SOLE 0 0 0 10,061
BANK OF MONTREAL COM 063671101 491,381 2,938 SH SOLE 0 0 0 2,938
BANK OF NY MELLON CORP COM 064058100 286,512 1,981 SH SOLE 0 0 0 1,981
BARCLAYS PLC ADR 06738E204 369,462 15,223 SH SOLE 0 0 0 15,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 966,521 1,941 SH SOLE 0 0 0 1,941
BLACKROCK INC COM 09290D101 271,981 257 SH SOLE 0 0 0 257
BOOKING HOLDINGS INC COM 09857L108 315,068 1,934 SH SOLE 0 0 0 1,934
BRISTOL-MYERS SQUIBB CO COM 110122108 263,578 4,224 SH SOLE 0 0 0 4,224
BROADCOM INC COM 11135F101 2,643,056 7,526 SH SOLE 0 0 0 7,526
CANADIAN IMPERIAL BANK OF CO COM 136069101 404,912 3,675 SH SOLE 0 0 0 3,675
CAPITAL ONE FINL CORP COM 14040H105 351,967 1,823 SH SOLE 0 0 0 1,823
CARDINAL HEALTH INC COM 14149Y108 218,940 984 SH SOLE 0 0 0 984
CATERPILLAR INC COM 149123101 894,301 1,103 SH SOLE 0 0 0 1,103
CELESTICA INC COM 15101Q207 399,380 1,105 SH SOLE 0 0 0 1,105
CHARLES SCHWAB CORP (THE) COM 808513105 237,704 2,432 SH SOLE 0 0 0 2,432
CISCO SYS INC COM 17275R102 501,018 4,655 SH SOLE 0 0 0 4,655
CITIGROUP INC COM NEW 172967424 282,007 2,178 SH SOLE 0 0 0 2,178
COMFORT SYS USA INC COM 199908104 375,478 227 SH SOLE 0 0 0 227
CORNING INC COM 219350105 305,675 1,988 SH SOLE 0 0 0 1,988
COSTCO WHOLESALE CORPORATION COM 22160K105 927,636 1,019 SH SOLE 0 0 0 1,019
CSX CORP COM 126408103 216,783 4,661 SH SOLE 0 0 0 4,661
CUMMINS INC COM 231021106 250,020 484 SH SOLE 0 0 0 484
DANAHER CORP DEL COM 235851102 219,335 990 SH SOLE 0 0 0 990
DEERE & CO COM 244199105 362,637 540 SH SOLE 0 0 0 540
DELL TECHNOLOGIES INC CL C 24703L202 424,443 789 SH SOLE 0 0 0 789
DEUTSCHE BK AG NAMEN AKT D18190898 288,161 8,029 SH SOLE 0 0 0 8,029
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 529,866 12,789 SH SOLE 0 0 0 12,789
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 504,988 6,082 SH SOLE 0 0 0 6,082
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 7,015,652 157,832 SH SOLE 0 0 0 157,832
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 360,545 4,657 SH SOLE 0 0 0 4,657
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 431,395 6,493 SH SOLE 0 0 0 6,493
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 9,196,443 235,444 SH SOLE 0 0 0 235,444
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 1,397,367 30,069 SH SOLE 0 0 0 30,069
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 3,282,654 87,281 SH SOLE 0 0 0 87,281
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,174,149 29,561 SH SOLE 0 0 0 29,561
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 231,880 4,216 SH SOLE 0 0 0 4,216
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 17,822,741 394,570 SH SOLE 0 0 0 394,570
DIMENSIONAL ETF TRUST EMER MARK SU ETF 25434V682 19,085,183 394,730 SH SOLE 0 0 0 394,730
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 21,208,361 449,615 SH SOLE 0 0 0 449,615
EATON CORP PLC SHS G29183103 369,121 859 SH SOLE 0 0 0 859
ELI LILLY & CO COM 532457108 1,271,631 1,099 SH SOLE 0 0 0 1,099
EMCOR GROUP INC COM 29084Q100 286,706 380 SH SOLE 0 0 0 380
ENBRIDGE INC COM 29250N105 327,987 7,055 SH SOLE 0 0 0 7,055
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 307,109 1,887 SH SOLE 0 0 0 1,887
FLEX LTD ORD Y2573F102 216,680 1,970 SH SOLE 0 0 0 1,970
FORD MTR CO COM 345370860 128,367 10,644 SH SOLE 0 0 0 10,644
FORTINET INC COM 34959E109 277,257 1,551 SH SOLE 0 0 0 1,551
GE AEROSPACE COM NEW 369604301 406,602 1,302 SH SOLE 0 0 0 1,302
GE VERNOVA INC COM 36828A101 327,919 345 SH SOLE 0 0 0 345
GENERAL MTRS CO COM 37045V100 214,060 2,780 SH SOLE 0 0 0 2,780
GILEAD SCIENCES INC COM 375558103 329,699 2,212 SH SOLE 0 0 0 2,212
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 313,295 3,130 SH SOLE 0 0 0 3,130
GOLDMAN SACHS GROUP INC COM 38141G104 599,640 666 SH SOLE 0 0 0 666
GSK PLC SPONSORED ADR 37733W204 301,592 6,261 SH SOLE 0 0 0 6,261
HOME DEPOT INC COM 437076102 438,968 1,543 SH SOLE 0 0 0 1,543
HOWMET AEROSPACE INC COM 443201108 367,995 1,627 SH SOLE 0 0 0 1,627
HSBC HLDGS PLC SPON ADR NEW 404280406 1,028,951 10,361 SH SOLE 0 0 0 10,361
ING GROEP N.V. SPONSORED ADR 456837103 512,230 14,429 SH SOLE 0 0 0 14,429
INTEL CORP COM 458140100 671,004 5,581 SH SOLE 0 0 0 5,581
INTERNATIONAL BUSINESS MACHS COM 459200101 473,289 2,152 SH SOLE 0 0 0 2,152
ISHARES INC CORE MSCI EMKT 46434G103 1,178,417 14,520 SH SOLE 0 0 0 14,520
ISHARES TR CORE S&P TTL STK 464287150 418,028 2,514 SH SOLE 0 0 0 2,514
ISHARES TR RUS MDCP VAL ETF 464287473 1,151,520 7,164 SH SOLE 0 0 0 7,164
ISHARES TR 0-3 MTH TREASURY 46436E718 17,318,265 172,013 SH SOLE 0 0 0 172,013
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1,181,388 26,382 SH SOLE 0 0 0 26,382
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 413,072 8,201 SH SOLE 0 0 0 8,201
JOHNSON & JOHNSON COM 478160104 997,805 3,769 SH SOLE 0 0 0 3,769
JPMORGAN CHASE & CO COM 46625H100 2,303,569 6,963 SH SOLE 0 0 0 6,963
KLA CORP COM NEW 482480100 716,953 3,678 SH SOLE 0 0 0 3,678
LAM RESEARCH CORP COM NEW 512807306 985,201 2,999 SH SOLE 0 0 0 2,999
LINDE PLC SHS G54950103 240,173 506 SH SOLE 0 0 0 506
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 308,473 54,791 SH SOLE 0 0 0 54,791
LOCKHEED MARTIN CORP COM 539830109 304,022 597 SH SOLE 0 0 0 597
LUMENTUM HLDGS INC COM 55024U109 214,648 221 SH SOLE 0 0 0 221
MANULIFE FINL CORP COM 56501R106 247,746 5,817 SH SOLE 0 0 0 5,817
MARATHON PETE CORP COM 56585A102 534,212 1,351 SH SOLE 0 0 0 1,351
MARVELL TECHNOLOGY INC COM 573874104 279,534 1,058 SH SOLE 0 0 0 1,058
MASTERCARD INCORPORATED CL A 57636Q104 807,352 1,464 SH SOLE 0 0 0 1,464
MCDONALDS CORP COM 580135101 304,610 1,319 SH SOLE 0 0 0 1,319
MCKESSON CORP COM 58155Q103 278,342 326 SH SOLE 0 0 0 326
MERCK & CO INC COM 58933Y105 440,289 3,030 SH SOLE 0 0 0 3,030
META PLATFORMS INC CL A 30303M102 4,187,915 5,775 SH SOLE 0 0 0 5,775
MICRON TECHNOLOGY INC COM 595112103 1,804,296 1,694 SH SOLE 0 0 0 1,694
MICRON TECHNOLOGY INC COM 595112103 106,511 100 SH Call SOLE 0 0 0 100
MICROSOFT CORP COM 594918104 5,223,767 10,185 SH SOLE 0 0 0 10,185
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 994,594 43,112 SH SOLE 0 0 0 43,112
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 546,887 49,492 SH SOLE 0 0 0 49,492
MORGAN STANLEY COM NEW 617446448 529,257 2,814 SH SOLE 0 0 0 2,814
NATWEST GROUP PLC SPONS ADR 639057207 230,215 12,684 SH SOLE 0 0 0 12,684
NETFLIX INC. COM 64110L106 468,413 6,732 SH SOLE 0 0 0 6,732
NEWMONT CORP COM 651639106 231,372 2,006 SH SOLE 0 0 0 2,006
NOKIA CORP SPONSORED ADR 654902204 250,417 24,696 SH SOLE 0 0 0 24,696
NOMURA HLDGS INC SPONSORED ADR 65535H208 132,098 13,507 SH SOLE 0 0 0 13,507
NOVARTIS AG SPONSORED ADR 66987V109 1,127,444 7,908 SH SOLE 0 0 0 7,908
NVIDIA CORPORATION COM 67066G104 8,720,919 38,186 SH SOLE 0 0 0 38,186
ORACLE CORP COM 68389X105 628,834 4,580 SH SOLE 0 0 0 4,580
PALANTIR TECHNOLOGIES INC CL A 69608A108 389,999 2,085 SH SOLE 0 0 0 2,085
PALO ALTO NETWORKS INC COM 697435105 329,767 830 SH SOLE 0 0 0 830
PARKER-HANNIFIN CORP COM 701094104 378,346 396 SH SOLE 0 0 0 396
PFIZER INC COM 717081103 224,880 7,885 SH SOLE 0 0 0 7,885
PHILIP MORRIS INTL INC COM 718172109 390,227 2,045 SH SOLE 0 0 0 2,045
PROCTER & GAMBLE CO COM 742718109 274,870 1,892 SH SOLE 0 0 0 1,892
PROGRESSIVE CORP COM 743315103 247,735 1,195 SH SOLE 0 0 0 1,195
QUALCOMM INC COM 747525103 252,687 1,373 SH SOLE 0 0 0 1,373
QUANTA SVCS INC COM 74762E102 267,284 416 SH SOLE 0 0 0 416
RELX PLC SPONSORED ADR 759530108 243,906 7,351 SH SOLE 0 0 0 7,351
ROBINHOOD MKTS INC COM CL A 770700102 302,738 2,691 SH SOLE 0 0 0 2,691
ROYAL BK CDA COM 780087102 1,369,839 6,968 SH SOLE 0 0 0 6,968
ROYAL CARIBBEAN GROUP COM V7780T103 212,422 799 SH SOLE 0 0 0 799
RTX CORPORATION COM 75513E101 285,715 1,539 SH SOLE 0 0 0 1,539
SALESFORCE INC COM 79466L302 228,597 996 SH SOLE 0 0 0 996
SANDISK CORP COM 80004C200 431,493 248 SH SOLE 0 0 0 248
SAP SE SPON ADR 803054204 359,836 1,726 SH SOLE 0 0 0 1,726
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,960,698 408,076 SH SOLE 0 0 0 408,076
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,700,820 207,529 SH SOLE 0 0 0 207,529
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 452,869 491 SH SOLE 0 0 0 491
SHERWIN WILLIAMS CO COM 824348106 221,763 686 SH SOLE 0 0 0 686
SHOPIFY INC CL A SUB VTG SHS 82509L107 225,268 1,519 SH SOLE 0 0 0 1,519
SONY GROUP CORP SPONSORED ADR 835699307 815,762 34,669 SH SOLE 0 0 0 34,669
SPDR SERIES TRUST ST STR P500ETF 78464A854 1,032,472 11,503 SH SOLE 0 0 0 11,503
SPDR SERIES TRUST ST STR P400MID 78464A847 224,252 3,557 SH SOLE 0 0 0 3,557
STEEL DYNAMICS INC COM 858119100 201,222 908 SH SOLE 0 0 0 908
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 632,334 24,405 SH SOLE 0 0 0 24,405
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 211,877 11,648 SH SOLE 0 0 0 11,648
TARGA RES CORP COM 87612G101 318,425 1,178 SH SOLE 0 0 0 1,178
TECHNIPFMC PLC COM G87110105 287,845 4,238 SH SOLE 0 0 0 4,238
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 198,912 21,739 SH SOLE 0 0 0 21,739
TESLA INC COM 88160R101 965,083 2,720 SH SOLE 0 0 0 2,720
TEVA PHARMACEUTICAL INDS LTD SHS M8769Q102 427,878 10,805 SH SOLE 0 0 0 10,805
TEXAS INSTRS INC COM 882508104 296,615 1,059 SH SOLE 0 0 0 1,059
THERMO FISHER SCIENTIFIC INC COM 883556102 370,602 549 SH SOLE 0 0 0 549
TJX COS INC NEW COM 872540109 339,772 2,568 SH SOLE 0 0 0 2,568
TORONTO DOMINION BK ONT COM NEW 891160509 480,815 4,091 SH SOLE 0 0 0 4,091
TOTALENERGIES SE ACT F92124100 260,177 3,043 SH SOLE 0 0 0 3,043
TOWER SEMICONDUCTOR LTD SHS NEW M87915274 214,466 943 SH SOLE 0 0 0 943
TOYOTA MOTOR CORP ADS 892331307 607,160 3,316 SH SOLE 0 0 0 3,316
TRANE TECHNOLOGIES PLC SHS G8994E103 266,668 590 SH SOLE 0 0 0 590
TRAVELERS COMPANIES INC COM 89417E109 360,075 1,010 SH SOLE 0 0 0 1,010
TWILIO INC CL A 90138F102 220,222 753 SH SOLE 0 0 0 753
UBS GROUP AG SHS H42097107 421,956 8,767 SH SOLE 0 0 0 8,767
UNILEVER PLC SPON ADR NEW 904767803 236,300 3,891 SH SOLE 0 0 0 3,891
UNION PAC CORP COM 907818108 226,412 832 SH SOLE 0 0 0 832
UNITED RENTALS INC COM 911363109 347,271 347 SH SOLE 0 0 0 347
UNITEDHEALTH GROUP INC COM 91324P102 386,168 1,052 SH SOLE 0 0 0 1,052
VALERO ENERGY CORP COM 91913Y100 255,435 659 SH SOLE 0 0 0 659
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 239,538 5,111 SH SOLE 0 0 0 5,111
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 200,242 927 SH SOLE 0 0 0 927
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,620,796 7,003 SH SOLE 0 0 0 7,003
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 692,116 11,669 SH SOLE 0 0 0 11,669
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 257,514 1,631 SH SOLE 0 0 0 1,631
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 26,546,365 461,195 SH SOLE 0 0 0 461,195
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,804,459 25,555 SH SOLE 0 0 0 25,555
VANGUARD WORLD FD ESG US STK ETF 921910733 462,970 3,416 SH SOLE 0 0 0 3,416
VERIZON COMMUNICATIONS INC COM 92343V104 554,798 12,095 SH SOLE 0 0 0 12,095
VERTEX PHARMACEUTICALS INC COM 92532F100 250,949 480 SH SOLE 0 0 0 480
VISA INC COM CL A 92826C839 1,039,182 2,892 SH SOLE 0 0 0 2,892
VISTRA CORP COM 92840M102 211,952 1,532 SH SOLE 0 0 0 1,532
WALMART INC COM 931142103 922,602 8,878 SH SOLE 0 0 0 8,878
WELLS FARGO & CO COM 949746101 258,401 3,228 SH SOLE 0 0 0 3,228
WESTERN DIGITAL CORP COM 958102105 541,262 1,191 SH SOLE 0 0 0 1,191
WILLIAMS COS INC COM 969457100 224,913 3,309 SH SOLE 0 0 0 3,309
WW GRAINGER INC COM 384802104 236,694 190 SH SOLE 0 0 0 190