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 1,016,331 4,673 SH SOLE 0 0 4,673
ADVANCED MICRO DEVICES INC COM 007903107 1,597,129 7,851 SH SOLE 0 0 7,851
ALNYLAM PHARMACEUTICALS INC COM 02043Q107 675,967 2,042 SH SOLE 0 0 2,042
ALPHABET INC CAP STK CL A 02079K305 2,122,570 7,381 SH SOLE 0 0 7,381
ALPHABET INC CAP STK CL C 02079K107 1,726,460 6,018 SH SOLE 0 0 6,018
AMAZON COM INC COM 023135106 1,002,436 4,813 SH SOLE 0 0 4,813
AMPHENOL CORP CL A 032095101 284,540 2,252 SH SOLE 0 0 2,252
APPLE INC COM 037833100 6,545,477 25,790 SH SOLE 0 0 25,790
BANCO SANTANDER SA ADR 05964H105 189,053 16,760 SH SOLE 0 0 16,760
BANK AMERICA CORP COM 060505104 514,264 10,549 SH SOLE 0 0 10,549
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,308,840 6 SH SOLE 0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,237,450 2,582 SH SOLE 0 0 2,582
BLUE OWL TECHNOLOGY FIN CORP COMMON STOCK 095924106 544,813 43,972 SH SOLE 0 0 43,972
BROADCOM INC COM 11135F101 1,169,194 3,777 SH SOLE 0 0 3,777
BROOKFIELD CORP CL A LTD VT SH 11271J107 2,825,251 69,811 SH SOLE 0 0 69,811
CARLISLE COS INC COM 142339100 201,173 603 SH SOLE 0 0 603
CATERPILLAR INC COM 149123101 534,245 754 SH SOLE 0 0 754
CHEVRON CORPORATION COM 166764100 280,212 1,354 SH SOLE 0 0 1,354
COCA COLA CO COM 191216100 223,381 2,937 SH SOLE 0 0 2,937
COHERENT CORP COM 19247G107 3,810,884 15,998 SH SOLE 0 0 15,998
COSTCO WHOLESALE CORPORATION COM 22160K105 1,344,021 1,348 SH SOLE 0 0 1,348
CROWDSTRIKE HLDGS INC CL A 22788C105 2,964,774 7,594 SH SOLE 0 0 7,594
DEERE & CO COM 244199105 347,000 616 SH SOLE 0 0 616
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 6,030,612 85,045 SH SOLE 0 0 85,045
DISNEY WALT CO COM 254687106 239,437 2,484 SH SOLE 0 0 2,484
DLOCAL LTD CLASS A COM G29018101 415,040 32,000 SH SOLE 0 0 32,000
DOMINION ENERGY INC COM 25746U109 808,482 13,078 SH SOLE 0 0 13,078
DUKE ENERGY CORP NEW COM NEW 26441C204 1,239,085 9,462 SH SOLE 0 0 9,462
EATON CORP PLC SHS G29183103 476,774 1,333 SH SOLE 0 0 1,333
EBAY INC. COM 278642103 204,431 2,246 SH SOLE 0 0 2,246
ELI LILLY & CO COM 532457108 3,565,961 3,877 SH SOLE 0 0 3,877
EXXON MOBIL CORP COM 30231G102 1,016,393 5,990 SH SOLE 0 0 5,990
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 1,106,827 22,616 SH SOLE 0 0 22,616
GILEAD SCIENCES INC COM 375558103 359,445 2,579 SH SOLE 0 0 2,579
GLOBAL X FDS GLOBAL X URANIUM 37954Y871 226,991 4,687 SH SOLE 0 0 4,687
GOLDMAN SACHS GROUP INC COM 38141G104 247,892 293 SH SOLE 0 0 293
INTERNATIONAL BUSINESS MACHS COM 459200101 2,515,191 10,376 SH SOLE 0 0 10,376
INVESCO QQQ TR UNIT SER 1 46090E103 246,637 427 SH SOLE 0 0 427
ISHARES GOLD TR ISHARES NEW 464285204 547,474 6,210 SH SOLE 0 0 6,210
ISHARES INC CORE MSCI EMKT 46434G103 132,617,481 1,901,325 SH SOLE 0 0 1,901,325
ISHARES INC MSCI CDA ETF 464286509 6,140,304 112,069 SH SOLE 0 0 112,069
ISHARES SILVER TR ISHARES 46428Q109 233,516 3,427 SH SOLE 0 0 3,427
ISHARES TR 0-3 MNTH TREASRY 46436E718 29,000,664 288,105 SH SOLE 0 0 288,105
ISHARES TR 0-5 YR TIPS ETF 46429B747 18,540,564 179,257 SH SOLE 0 0 179,257
ISHARES TR CORE MSCI EAFE 46432F842 1,163,139 12,848 SH SOLE 0 0 12,848
ISHARES TR CORE MSCI EURO 46434V738 104,219,989 1,483,136 SH SOLE 0 0 1,483,136
ISHARES TR CORE MSCI PAC 46434V696 40,851,478 533,936 SH SOLE 0 0 533,936
ISHARES TR CORE S&P SCP ETF 464287804 2,798,667 22,513 SH SOLE 0 0 22,513
ISHARES TR CORE S&P TTL STK 464287150 60,838,493 427,146 SH SOLE 0 0 427,146
ISHARES TR CORE S&P US GWT 464287671 635,921 4,099 SH SOLE 0 0 4,099
ISHARES TR CORE S&P US VLU 464287663 5,087,532 49,755 SH SOLE 0 0 49,755
ISHARES TR CORE S&P500 ETF 464287200 9,630,347 14,743 SH SOLE 0 0 14,743
ISHARES TR CORE US AGGBD ET 464287226 47,811,119 481,627 SH SOLE 0 0 481,627
ISHARES TR MSCI EMG MKT ETF 464287234 228,572 4,024 SH SOLE 0 0 4,024
ISHARES TR NATIONAL MUN ETF 464288414 14,902,983 140,395 SH SOLE 0 0 140,395
ISHARES TR RUS 1000 GRW ETF 464287614 998,731 2,342 SH SOLE 0 0 2,342
ISHARES TR RUS 1000 VAL ETF 464287598 381,482 1,785 SH SOLE 0 0 1,785
ISHARES TR RUS 2000 GRW ETF 464287648 390,693 1,245 SH SOLE 0 0 1,245
ISHARES TR RUS 2000 VAL ETF 464287630 431,507 2,276 SH SOLE 0 0 2,276
ISHARES TR RUS MDCP VAL ETF 464287473 280,715 1,926 SH SOLE 0 0 1,926
ISHARES TR RUSSELL 2000 ETF 464287655 1,029,200 4,150 SH SOLE 0 0 4,150
ISHARES TR S&P 100 ETF 464287101 662,540 2,083 SH SOLE 0 0 2,083
ISHARES TR S&P 500 GRWT ETF 464287309 498,788 4,409 SH SOLE 0 0 4,409
ISHARES TR S&P 500 VAL ETF 464287408 1,647,997 7,804 SH SOLE 0 0 7,804
ISHARES TR S&P MC 400GR ETF 464287606 323,910 3,219 SH SOLE 0 0 3,219
ISHARES TR S&P MC 400VL ETF 464287705 218,735 1,650 SH SOLE 0 0 1,650
ISHARES TR TIPS BD ETF 464287176 528,288 4,786 SH SOLE 0 0 4,786
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 40,964,980 435,519 SH SOLE 0 0 435,519
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 76,918,469 1,062,263 SH SOLE 0 0 1,062,263
JOHNSON & JOHNSON COM 478160104 315,085 1,289 SH SOLE 0 0 1,289
JPMORGAN CHASE & CO COM 46625H100 1,217,327 4,138 SH SOLE 0 0 4,138
KINDER MORGAN INC DEL COM 49456B101 217,249 6,479 SH SOLE 0 0 6,479
LAM RESEARCH CORP COM NEW 512807306 1,549,035 7,250 SH SOLE 0 0 7,250
LINDE PLC SHS G54950103 514,607 1,038 SH SOLE 0 0 1,038
LOCKHEED MARTIN CORP COM 539830109 362,030 599 SH SOLE 0 0 599
LOWES COS INC COM 548661107 308,350 1,305 SH SOLE 0 0 1,305
MARKEL GROUP INC COM 570535104 696,721 364 SH SOLE 0 0 364
MASTERCARD INCORPORATED CL A 57636Q104 395,404 791 SH SOLE 0 0 791
MCDONALDS CORP COM 580135101 275,057 885 SH SOLE 0 0 885
MERCADOLIBRE INC COM 58733R102 387,300 224 SH SOLE 0 0 224
MERCK & CO INC COM 58933Y105 373,870 3,108 SH SOLE 0 0 3,108
META PLATFORMS INC CL A 30303M102 819,627 1,432 SH SOLE 0 0 1,432
MICRON TECHNOLOGY INC COM 595112103 283,786 840 SH SOLE 0 0 840
MICROSOFT CORP COM 594918104 1,985,653 5,364 SH SOLE 0 0 5,364
NETFLIX INC. COM 64110L106 367,629 3,823 SH SOLE 0 0 3,823
NEXTERA ENERGY INC COM 65339F101 317,493 3,418 SH SOLE 0 0 3,418
NVIDIA CORPORATION COM 67066G104 19,298,710 110,657 SH SOLE 0 0 110,657
ORACLE CORP COM 68389X105 425,195 2,890 SH SOLE 0 0 2,890
OREILLY AUTOMOTIVE INC COM 67103H107 425,088 4,605 SH SOLE 0 0 4,605
PHILIP MORRIS INTL INC COM 718172109 248,216 1,501 SH SOLE 0 0 1,501
PROCTER & GAMBLE CO COM 742718109 442,716 3,065 SH SOLE 0 0 3,065
PROLOGIS INC. COM 74340W103 532,685 4,030 SH SOLE 0 0 4,030
RTX CORPORATION COM 75513E101 1,820,571 9,437 SH SOLE 0 0 9,437
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,882,550 197,274 SH SOLE 0 0 197,274
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,666,567 345,281 SH SOLE 0 0 345,281
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 245,694 8,008 SH SOLE 0 0 8,008
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 545,401 17,882 SH SOLE 0 0 17,882
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 248,926 9,708 SH SOLE 0 0 9,708
SCHWAB STRATEGIC TR US REIT ETF 808524847 36,066,696 1,678,301 SH SOLE 0 0 1,678,301
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,039,353 70,129 SH SOLE 0 0 70,129
SCHWAB STRATEGIC TR US TIPS ETF 808524870 315,527,203 11,857,467 SH SOLE 0 0 11,857,467
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 324,377 828 SH SOLE 0 0 828
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 721,920 6,512 SH SOLE 0 0 6,512
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 308,089 3,758 SH SOLE 0 0 3,758
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 603,858 5,541 SH SOLE 0 0 5,541
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 2,567,659 52,008 SH SOLE 0 0 52,008
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 643,471 4,389 SH SOLE 0 0 4,389
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 1,597,407 9,877 SH SOLE 0 0 9,877
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 3,573,840 26,891 SH SOLE 0 0 26,891
SEMPRA COM 816851109 615,961 6,339 SH SOLE 0 0 6,339
SERIES PORTFOLIOS TR ELM MARKET NAVIG 81752T429 162,890,999 6,006,305 SH SOLE 0 0 6,006,305
SPDR GOLD TR GOLD SHS 78463V107 361,013 838 SH SOLE 0 0 838
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 38,794,348 826,995 SH SOLE 0 0 826,995
SPDR SERIES TRUST STATE STREET SPD 78464A508 266,492 4,710 SH SOLE 0 0 4,710
SPDR SERIES TRUST STATE STREET SPD 78468R663 431,520 4,708 SH SOLE 0 0 4,708
SPDR SERIES TRUST STATE STREET SPD 78464A854 16,173,825 211,312 SH SOLE 0 0 211,312
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,027,954 6,193 SH SOLE 0 0 6,193
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 545,451 1,613 SH SOLE 0 0 1,613
TESLA INC COM 88160R101 205,578 553 SH SOLE 0 0 553
THERMO FISHER SCIENTIFIC INC COM 883556102 246,028 500 SH SOLE 0 0 500
TJX COS INC NEW COM 872540109 225,604 1,412 SH SOLE 0 0 1,412
VALERO ENERGY CORP COM 91913Y100 449,686 1,820 SH SOLE 0 0 1,820
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 261,968 3,341 SH SOLE 0 0 3,341
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 66,383,409 901,458 SH SOLE 0 0 901,458
VANGUARD INDEX FDS GROWTH ETF 922908736 1,468,712 3,362 SH SOLE 0 0 3,362
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 655,503 3,557 SH SOLE 0 0 3,557
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,336,747 93,988 SH SOLE 0 0 93,988
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 63,849,975 106,852 SH SOLE 0 0 106,852
VANGUARD INDEX FDS SM CP VAL ETF 922908611 747,060 3,438 SH SOLE 0 0 3,438
VANGUARD INDEX FDS SMALL CP ETF 922908751 31,287,468 119,454 SH SOLE 0 0 119,454
VANGUARD INDEX FDS TOTAL STK MKT 922908769 407,520,883 1,270,287 SH SOLE 0 0 1,270,287
VANGUARD INDEX FDS VALUE ETF 922908744 36,469,237 185,877 SH SOLE 0 0 185,877
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 190,885,803 2,523,275 SH SOLE 0 0 2,523,275
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,492,118 19,868 SH SOLE 0 0 19,868
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 337,751,214 6,248,866 SH SOLE 0 0 6,248,866
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 192,008,950 2,329,357 SH SOLE 0 0 2,329,357
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 154,341,556 1,579,264 SH SOLE 0 0 1,579,264
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 276,374 1,895 SH SOLE 0 0 1,895
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 18,727,363 375,373 SH SOLE 0 0 375,373
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 221,050 3,712 SH SOLE 0 0 3,712
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 68,253,249 1,165,925 SH SOLE 0 0 1,165,925
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 258,024 3,255 SH SOLE 0 0 3,255
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,553,702 7,224 SH SOLE 0 0 7,224
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,417,924 18,388 SH SOLE 0 0 18,388
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,846,008 60,018 SH SOLE 0 0 60,018
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 312,356 4,754 SH SOLE 0 0 4,754
VANGUARD WORLD FD COMM SRVC ETF 92204A884 2,151,319 11,962 SH SOLE 0 0 11,962
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,451,816 6,829 SH SOLE 0 0 6,829
VANGUARD WORLD FD CONSUM STP ETF 92204A207 776,187 3,456 SH SOLE 0 0 3,456
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,835,894 23,474 SH SOLE 0 0 23,474
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,991,822 7,314 SH SOLE 0 0 7,314
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 2,178,362 6,977 SH SOLE 0 0 6,977
VANGUARD WORLD FD INF TECH ETF 92204A702 4,438,294 6,361 SH SOLE 0 0 6,361
VANGUARD WORLD FD MATERIALS ETF 92204A801 343,418 1,524 SH SOLE 0 0 1,524
VERTEX PHARMACEUTICALS INC COM 92532F100 283,999 636 SH SOLE 0 0 636
VERTIV HOLDINGS CO COM CL A 92537N108 4,774,301 19,053 SH SOLE 0 0 19,053
VISA INC COM CL A 92826C839 382,386 1,265 SH SOLE 0 0 1,265
VISTRA CORP COM 92840M102 435,268 2,895 SH SOLE 0 0 2,895
WALMART INC COM 931142103 562,519 4,526 SH SOLE 0 0 4,526
WELLS FARGO & CO COM 949746101 215,577 2,707 SH SOLE 0 0 2,707