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
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 207,354 2,328 SH SOLE 0 0 0 526
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 211,324 2,330 SH SOLE 0 0 0 4,247
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 211,871 2,333 SH SOLE 0 0 0 2,333
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 221,276 2,346 SH SOLE 0 0 0 1,074
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 221,363 2,396 SH SOLE 0 0 0 3,542
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 223,056 2,397 SH SOLE 0 0 0 450
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 229,379 2,487 SH SOLE 0 0 0 817
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 229,458 2,487 SH SOLE 0 0 0 600
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 230,567 2,500 SH SOLE 0 0 0 448
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 233,876 2,560 SH SOLE 0 0 0 75
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 234,068 2,572 SH SOLE 0 0 0 13,410
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 234,142 2,574 SH SOLE 0 0 0 6,979
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 234,597 2,581 SH SOLE 0 0 0 613
SCHWAB STRATEGIC TR US REIT ETF 808524847 242,904 2,670 SH SOLE 0 0 0 3,185
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 242,924 2,768 SH SOLE 0 0 0 107
SCHWAB STRATEGIC TR US TIPS ETF 808524870 250,297 2,891 SH SOLE 0 0 0 126
SEMPRA COM 816851109 254,591 2,914 SH SOLE 0 0 0 339
SHERWIN WILLIAMS CO COM 824348106 261,893 2,946 SH SOLE 0 0 0 48
SIMON PPTY GROUP INC NEW COM 828806109 263,206 2,989 SH SOLE 0 0 0 1
SIRIUSXM HOLDINGS INC COMMON STOCK 829933100 263,715 3,016 SH SOLE 0 0 0 10
SMITH A O CORP COM 831865209 269,593 3,017 SH SOLE 0 0 0 78,355
SNAP ON INC COM 833034101 272,652 3,044 SH SOLE 0 0 0 12,054
SNOWFLAKE INC COM SHS 833445109 273,840 3,185 SH SOLE 0 0 0 55
SONY GROUP CORP SPONSORED ADR 835699307 279,720 3,220 SH SOLE 0 0 0 406
SOUNDHOUND AI INC CLASS A COM 836100107 280,795 3,276 SH SOLE 0 0 0 600
SOUTHERN CO COM 842587107 284,112 3,292 SH SOLE 0 0 0 1,139
BLOCK INC CL A 852234103 289,337 3,474 SH SOLE 0 0 0 63
STANLEY BLACK & DECKER INC COM 854502101 300,320 3,487 SH SOLE 0 0 0 30
STARBUCKS CORP COM 855244109 315,031 3,511 SH SOLE 0 0 0 281
STATE STR CORP COM 857477103 315,145 3,542 SH SOLE 0 0 0 27
STIFEL FINL CORP COM 860630102 316,269 3,578 SH SOLE 0 0 0 93
STMICROELECTRONICS N V NY REGISTRY 861012102 336,381 3,581 SH SOLE 0 0 0 172
STONEX GROUP INC COM 861896108 355,052 3,630 SH SOLE 0 0 0 10,629
STRYKER CORPORATION COM 863667101 364,291 3,672 SH SOLE 0 0 0 129
SUN CMNTYS INC COM 866674104 366,491 3,686 SH SOLE 0 0 0 1
SYLVAMO CORP COMMON STOCK 871332102 367,023 3,741 SH SOLE 0 0 0 9
SYNOPSYS INC COM 871607107 376,655 3,753 SH SOLE 0 0 0 32
SYSCO CORP COM 871829107 377,908 3,823 SH SOLE 0 0 0 55
TJX COS INC NEW COM 872540109 401,267 3,957 SH SOLE 0 0 0 390
T-MOBILE US INC COM 872590104 404,004 4,088 SH SOLE 0 0 0 204
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 408,737 4,247 SH SOLE 0 0 0 1,028
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 411,510 4,324 SH SOLE 0 0 0 167
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 414,264 4,393 SH SOLE 0 0 0 1,361
TAPESTRY INC COM 876030107 433,001 4,397 SH SOLE 0 0 0 5
TECK RESOURCES LTD CL B 878742204 436,214 4,462 SH SOLE 0 0 0 1
TELEDYNE TECHNOLOGIES INC COM 879360105 450,152 4,510 SH SOLE 0 0 0 9
TEREX CORP NEW COM 880779103 454,532 4,755 SH SOLE 0 0 0 154
TEXAS INSTRS INC COM 882508104 460,575 4,833 SH SOLE 0 0 0 259
THERMO FISHER SCIENTIFIC INC COM 883556102 469,084 4,986 SH SOLE 0 0 0 65
THOR INDS INC COM 885160101 489,967 5,057 SH SOLE 0 0 0 88
TOAST INC CL A 888787108 499,120 5,058 SH SOLE 0 0 0 136,796
TOLL BROTHERS INC COM 889478103 525,600 5,153 SH SOLE 0 0 0 9
TORONTO DOMINION BK ONT COM NEW 891160509 533,875 5,175 SH SOLE 0 0 0 13
TOYOTA MOTOR CORP ADS 892331307 553,419 5,187 SH SOLE 0 0 0 16
TRACTOR SUPPLY CO COM 892356106 593,996 5,716 SH SOLE 0 0 0 7
TRANSDIGM GROUP INC COM 893641100 606,481 5,738 SH SOLE 0 0 0 1
TRIPADVISOR INC COM 896945201 608,594 5,935 SH SOLE 0 0 0 13
UGI CORP NEW COM 902681105 608,895 5,938 SH SOLE 0 0 0 299
US BANCORP COM NEW 902973304 625,158 6,012 SH SOLE 0 0 0 2,581
UNILEVER PLC SPON ADR NEW 904767803 644,709 6,028 SH SOLE 0 0 0 1,009
UNION PAC CORP COM 907818108 652,156 6,104 SH SOLE 0 0 0 121
UNISYS CORP COM NEW 909214306 663,282 6,195 SH SOLE 0 0 0 150
UNITED AIRLS HLDGS INC COM 910047109 667,917 6,250 SH SOLE 0 0 0 14
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 672,353 6,754 SH SOLE 0 0 0 400
UNITED PARCEL SVCS INC CL B 911312106 681,780 6,831 SH SOLE 0 0 0 1,852
UNITED RENTALS INC COM 911363109 687,059 6,979 SH SOLE 0 0 0 130
UNITED STS COMMODITY INDEX F CM REP COPP FD 911718104 764,446 7,171 SH SOLE 0 0 0 290
US FOODS HLDG CORP COM 912008109 773,946 7,534 SH SOLE 0 0 0 221
UNIVERSAL HLTH SVCS INC CL B 913903100 812,048 8,333 SH SOLE 0 0 0 26,733
UNIVERSAL TECHNICAL INST INC COM 913915104 821,740 8,498 SH SOLE 0 0 0 153
UNIVEST FINANCIAL CORPORATIO COM 915271100 847,493 8,651 SH SOLE 0 0 0 100
V F CORP COM 918204108 857,952 8,951 SH SOLE 0 0 0 80
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 864,466 8,956 SH SOLE 0 0 0 13,108
VANGUARD STAR FDS VG TL INTL STK F 921909768 905,048 9,136 SH SOLE 0 0 0 3,292
VANGUARD WORLD FD MEGA GRWTH IND 921910816 921,024 9,237 SH SOLE 0 0 0 286
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 923,897 9,262 SH SOLE 0 0 0 54
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 962,873 10,088 SH SOLE 0 0 0 224
VANGUARD BD INDEX FDS INTERMED TERM 921937819 976,444 10,528 SH SOLE 0 0 0 5,187
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,021,141 10,629 SH SOLE 0 0 0 437
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,184,620 10,740 SH SOLE 0 0 0 43,510
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,204,142 10,900 SH SOLE 0 0 0 247,216
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,382,185 11,650 SH SOLE 0 0 0 17,869
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,491,764 12,054 SH SOLE 0 0 0 9,136
VANGUARD MALVERN FDS CORE BD ETF 922020748 1,513,483 13,108 SH SOLE 0 0 0 563
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,588,199 13,325 SH SOLE 0 0 0 2,001
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,640,036 13,334 SH SOLE 0 0 0 35
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,710,300 13,382 SH SOLE 0 0 0 1,159
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,794,216 13,410 SH SOLE 0 0 0 3,487
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,794,996 13,582 SH SOLE 0 0 0 184,469
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,835,783 14,345 SH SOLE 0 0 0 481
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,853,364 14,700 SH SOLE 0 0 0 1,823
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,928,233 14,724 SH SOLE 0 0 0 345
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,997,053 15,106 SH SOLE 0 0 0 25,658
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,034,151 15,451 SH SOLE 0 0 0 67,010
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,124,951 15,453 SH SOLE 0 0 0 10,740
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,138,252 15,736 SH SOLE 0 0 0 77,084
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,161,274 16,628 SH SOLE 0 0 0 31,210
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,174,748 16,819 SH SOLE 0 0 0 51,875
VANGUARD INDEX FDS MID CAP ETF 922908629 2,249,775 16,837 SH SOLE 0 0 0 15,106
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,295,870 16,944 SH SOLE 0 0 0 653
VANGUARD INDEX FDS GROWTH ETF 922908736 2,370,541 17,187 SH SOLE 0 0 0 157,541
VANGUARD INDEX FDS VALUE ETF 922908744 2,548,652 17,789 SH SOLE 0 0 0 83,930
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,773,208 17,799 SH SOLE 0 0 0 8,333
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,939,287 17,869 SH SOLE 0 0 0 6,012
VERSANT MEDIA GROUP INC COM CL A 925283103 3,052,209 18,222 SH SOLE 0 0 0 132
VIAVI SOLUTIONS INC COM 925550105 3,058,218 18,897 SH SOLE 0 0 0 65
VICI PPTYS INC COM 925652109 3,137,098 19,705 SH SOLE 0 0 0 182,050
VULCAN MATLS CO COM 929160109 3,213,740 19,738 SH SOLE 0 0 0 346
WABTEC COM 929740108 3,286,313 20,047 SH SOLE 0 0 0 37
WALMART INC COM 931142103 3,578,783 21,312 SH SOLE 0 0 0 28,284
WARNER BROS DISCOVERY INC COM SER A 934423104 3,599,305 23,226 SH SOLE 0 0 0 873
WATERS CORP COM 941848103 3,663,378 24,345 SH SOLE 0 0 0 1
WATSCO INC COM 942622200 3,776,668 25,132 SH SOLE 0 0 0 3
WELLS FARGO & CO COM 949746101 3,918,573 25,305 SH SOLE 0 0 0 472
WERNER ENTERPRISES INC COM 950755108 3,948,826 25,320 SH SOLE 0 0 0 144
WERIDE INC SPONSORED ADS 950915108 3,965,716 25,658 SH SOLE 0 0 0 1
WESTERN DIGITAL CORP COM 958102105 4,019,655 26,733 SH SOLE 0 0 0 71
WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT 958669103 4,099,759 26,740 SH SOLE 0 0 0 2,330
WILLIAMS COS INC COM 969457100 4,107,555 26,798 SH SOLE 0 0 0 1,062
WILLIAMS SONOMA INC COM 969904101 4,112,055 27,599 SH SOLE 0 0 0 176
WILLSCOT HLDGS CORP COM CL A 971378104 4,181,691 28,049 SH SOLE 0 0 0 647
WORTHINGTON STL INC COM SHS 982104101 4,225,580 28,284 SH SOLE 0 0 0 136
YUM BRANDS INC COM 988498101 4,237,044 29,713 SH SOLE 0 0 0 68
DEUTSCHE BK AG NAMEN AKT D18190898 4,261,554 29,872 SH SOLE 0 0 0 48
TOTALENERGIES SE ACT F92124100 4,276,291 30,183 SH SOLE 0 0 0 567
PENTAIR PLC SHS G7S00T104 4,288,633 31,210 SH SOLE 0 0 0 16
AMBARELLA INC SHS G037AX101 4,331,932 31,423 SH SOLE 0 0 0 71
AMCOR PLC COM NEW G0250X149 4,339,589 31,501 SH SOLE 0 0 0 1,624
ANGLOGOLD ASHANTI PLC COM SHS G0378L100 4,359,310 32,023 SH SOLE 0 0 0 75
AON PLC SHS CL A G0403H108 4,363,814 32,999 SH SOLE 0 0 0 39
ARCH CAP GROUP LTD ORD G0450A105 4,379,809 33,552 SH SOLE 0 0 0 57
ASTRAZENECA PLC ORD G0593M107 4,398,260 34,437 SH SOLE 0 0 0 2,273
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,402,024 35,695 SH SOLE 0 0 0 25,132
CARNIVAL CORP LTD COMMON SHARES G2004J103 4,416,887 37,331 SH SOLE 0 0 0 2,115
CRITICAL METALS CORP PUBCO ORD SHS G2662B103 4,418,208 37,504 SH SOLE 0 0 0 100
FABRINET SHS G3323L100 4,418,467 37,710 SH SOLE 0 0 0 2
FLUTTER ENTMT PLC SHS G3643J108 4,465,484 38,342 SH SOLE 0 0 0 1
GENPACT LIMITED SHS G3922B107 4,502,725 38,514 SH SOLE 0 0 0 233
JAMES HARDIE INDS PLC ORD SHS G4253H101 4,546,157 38,585 SH SOLE 0 0 0 55
MEDTRONIC PLC SHS G5960L103 4,564,854 40,569 SH SOLE 0 0 0 1,031
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 4,573,683 42,917 SH SOLE 0 0 0 105
SHARKNINJA INC COM SHS G8068L108 4,608,374 42,988 SH SOLE 0 0 0 20
TRANE TECHNOLOGIES PLC SHS G8994E103 4,658,425 43,419 SH SOLE 0 0 0 81
AMDOCS LTD SHS G02602103 4,745,875 43,510 SH SOLE 0 0 0 140
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 4,751,642 44,707 SH SOLE 0 0 0 563
CRH PLC ORD G25508105 4,773,007 47,129 SH SOLE 0 0 0 24
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 4,791,322 48,455 SH SOLE 0 0 0 70
EATON CORP PLC SHS G29183103 4,799,311 48,657 SH SOLE 0 0 0 347
JOHNSON CONTROLS INTERNATION SHS G51502105 4,853,167 50,568 SH SOLE 0 0 0 641
LINDE PLC SHS G54950103 4,874,394 51,594 SH SOLE 0 0 0 1,125
JOBY AVIATION INC COMMON STOCK G65163100 4,910,476 51,875 SH SOLE 0 0 0 400
NORWEGIAN CRUISE LINE HLDGS SHS G66721104 4,917,323 52,721 SH SOLE 0 0 0 500
TE CONNECTIVITY PLC ORD SHS G87052109 4,941,603 53,318 SH SOLE 0 0 0 8
TORM PLC SHS CL A G89479102 4,966,498 60,847 SH SOLE 0 0 0 50
WILLIS TOWERS WATSON PLC LTD SHS G96629103 5,014,039 67,010 SH SOLE 0 0 0 30
CHUBB LIMITED COM H1467J104 5,163,242 71,270 SH SOLE 0 0 0 107
ON HLDG AG NAMEN AKT A H5919C104 5,426,098 77,084 SH SOLE 0 0 0 1,000
ALCON AG ORD SHS H01301128 5,493,735 78,355 SH SOLE 0 0 0 16
CRISPR THERAPEUTICS AG NAMEN AKT H17182108 5,793,239 83,930 SH SOLE 0 0 0 81
UBS GROUP AG SHS H42097107 6,068,408 84,602 SH SOLE 0 0 0 190
LOGITECH INTL S A SHS H50430232 6,173,210 94,522 SH SOLE 0 0 0 94
SPOTIFY TECHNOLOGY S A SHS L8681T102 6,420,993 97,719 SH SOLE 0 0 0 16
FIVERR INTL LTD ORD SHS M4R82T106 6,445,185 99,517 SH SOLE 0 0 0 20
ZIM INTEGRATED SHIPPING SERV SHS M9T951109 6,716,749 100,156 SH SOLE 0 0 0 107
ELBIT SYS LTD ORD M3760D101 6,909,049 110,390 SH SOLE 0 0 0 12
ITURAN LOCATION AND CONTROL SHS M6158M104 6,966,144 113,911 SH SOLE 0 0 0 750
TEVA PHARMACEUTICAL INDS LTD SHS M8769Q102 7,901,658 136,796 SH SOLE 0 0 0 453
CHECK POINT SOFTWARE TECH LT ORD M22465104 8,058,122 136,967 SH SOLE 0 0 0 84
STRATASYS LTD SHS M85548101 8,612,203 157,541 SH SOLE 0 0 0 1,065
TOWER SEMICONDUCTOR LTD SHS NEW M87915274 8,992,872 180,081 SH SOLE 0 0 0 554
FERRARI N V COM N3167Y103 9,688,112 180,790 SH SOLE 0 0 0 10
MAGNUM ICE CREAM CO NV ORD SHS N5505D105 10,543,684 182,050 SH SOLE 0 0 0 40
NXP SEMICONDUCTORS N V COM N6596X109 10,940,845 184,469 SH SOLE 0 0 0 14
AERCAP HOLDINGS NV SHS N00985106 11,984,637 190,310 SH SOLE 0 0 0 71
ASML HLDG NV N Y REGISTRY SHS N07059210 13,102,397 197,764 SH SOLE 0 0 0 41
LYONDELLBASELL INDUSTRIES NV SHS - A - N53745100 14,196,008 241,657 SH SOLE 0 0 0 14
STELLANTIS N.V SHS N82405106 17,455,930 247,216 SH SOLE 0 0 0 30
NEBIUS GROUP N.V. SHS CLASS A N97284108 17,982,491 520,887 SH SOLE 0 0 0 22
IREN LIMITED ORDINARY SHARES Q4982L109 18,135,516 522,270 SH SOLE 0 0 0 254
FLEX LTD ORD Y2573F102 28,491,550 594,722 SH SOLE 0 0 0 44,707