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
AGILENT TECHNOLOGIES INC COM 00846U101 541,053 3,140 SH SOLE 0 0 3,140
ALTRIA GROUP INC COM 02209S103 277,980 4,128 SH SOLE 0 0 4,128
ALPHABET INC CAP STK CL A 02079K305 6,046,423 17,573 SH SOLE 0 0 17,573
ALPHABET INC CAP STK CL C 02079K107 3,286,437 9,645 SH SOLE 0 0 9,645
AMAZON COM INC COM 023135106 4,451,812 17,868 SH SOLE 0 0 17,868
ABBVIE INC COM 00287Y109 829,763 3,172 SH SOLE 0 0 3,172
COCA COLA CO COM 191216100 1,832,213 21,285 SH SOLE 0 0 21,285
ISHARES TR ISHARES BIOTECH 464287556 2,093,510 9,944 SH SOLE 0 0 9,944
VISA INC COM CL A 92826C839 3,468,612 9,653 SH SOLE 0 0 9,653
ISHARES TR CORE MSCI TOTAL 46432F834 3,169,816 33,370 SH SOLE 0 0 33,370
INVESCO QQQ TR UNIT SER 1 46090E103 821,145 1,110 SH SOLE 0 0 1,110
VERALTO CORP COM SHS 92338C103 421,327 4,467 SH SOLE 0 0 4,467
EMERSON ELEC CO COM 291011104 727,264 4,689 SH SOLE 0 0 4,689
FLEXSHARES TR NRTRN TR MRN GBL 33939L407 1,048,049 19,872 SH SOLE 0 0 19,872
MCDONALDS CORP COM 580135101 590,052 2,555 SH SOLE 0 0 2,555
ISHARES TR CORE S&P SCP ETF 464287804 4,974,918 36,570 SH SOLE 0 0 36,570
THERMO FISHER SCIENTIFIC INC COM 883556102 272,720 404 SH SOLE 0 0 404
DISNEY WALT CO COM 254687106 315,329 3,006 SH SOLE 0 0 3,006
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 694,540 4,400 SH SOLE 0 0 4,400
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 2,103,207 43,187 SH SOLE 0 0 43,187
ISHARES TR EAFE SML CP ETF 464288273 331,517 3,927 SH SOLE 0 0 3,927
JOHNSON & JOHNSON COM 478160104 4,288,788 16,200 SH SOLE 0 0 16,200
DFA INVT DIMENSIONS GROUP IN U.S. SML CP VAL 25239Y170 960,199 25,626 SH SOLE 0 0 25,626
CUMMINS INC COM 231021106 1,348,248 2,610 SH SOLE 0 0 2,610
RTX CORPORATION COM 75513E101 1,221,391 6,579 SH SOLE 0 0 6,579
SHOPIFY INC CL A SUB VTG SHS 82509L107 801,562 5,405 SH SOLE 0 0 5,405
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 412,195 1,429 SH SOLE 0 0 1,429
ISHARES TR U.S. FIN SVC ETF 464287770 1,130,744 12,575 SH SOLE 0 0 12,575
MASTERCARD INCORPORATED CL A 57636Q104 2,248,343 4,077 SH SOLE 0 0 4,077
PROCTER & GAMBLE CO COM 742718109 3,855,731 26,540 SH SOLE 0 0 26,540
WABTEC COM 929740108 204,472 712 SH SOLE 0 0 712
ISHARES TR CORE US AGGBD ET 464287226 1,100,729 11,643 SH SOLE 0 0 11,643
AON PLC SHS CL A G0403H108 208,408 753 SH SOLE 0 0 753
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 412,265 7,874 SH SOLE 0 0 7,874
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,172,058 4,362 SH SOLE 0 0 4,362
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 8,885,534 355,706 SH SOLE 0 0 355,706
QUALCOMM INC COM 747525103 1,295,458 7,039 SH SOLE 0 0 7,039
PHILLIPS 66 COM 718546104 1,232,637 4,828 SH SOLE 0 0 4,828
FEDEX CORP COM 31428X106 265,134 930 SH SOLE 0 0 930
ISHARES TR U.S. UTILITS ETF 464287697 665,040 6,595 SH SOLE 0 0 6,595
UNITEDHEALTH GROUP INC COM 91324P102 766,096 2,087 SH SOLE 0 0 2,087
VANECK ETF TRUST GOLD MINERS ETF 92189F106 996,969 11,355 SH SOLE 0 0 11,355
ISHARES TR US CONSM STAPLES 464287812 345,021 4,878 SH SOLE 0 0 4,878
STARBUCKS CORP COM 855244109 364,471 3,879 SH SOLE 0 0 3,879
QUEST DIAGNOSTICS INC COM 74834L100 595,727 2,556 SH SOLE 0 0 2,556
BLOCK INC CL A 852234103 991,773 13,488 SH SOLE 0 0 13,488
CATERPILLAR INC COM 149123101 3,022,625 3,728 SH SOLE 0 0 3,728
ONEOK INC NEW COM 30609A109 723,260 8,482 SH SOLE 0 0 8,482
ISHARES TR CORE MSCI EAFE 46432F842 2,349,603 24,253 SH SOLE 0 0 24,253
ISHARES TR RUSSELL 2000 ETF 464287655 693,891 2,497 SH SOLE 0 0 2,497
J P MORGAN EXCHANGE TRADED F BETA EURO ET NE 46641Q191 221,166 2,922 SH SOLE 0 0 2,922
ISHARES TR ISHS 1-5YR INVS 464288646 806,104 15,735 SH SOLE 0 0 15,735
META PLATFORMS INC CL A 30303M102 5,139,351 7,087 SH SOLE 0 0 7,087
PEPSICO INC COM 713448108 1,061,153 8,374 SH SOLE 0 0 8,374
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 4,463,981 56,924 SH SOLE 0 0 56,924
HONEYWELL INTL INC COM 438516205 769,720 3,649 SH SOLE 0 0 3,649
ISHARES INC MSCI EMERG MRKT 464286533 694,959 9,385 SH SOLE 0 0 9,385
ISHARES TR US TRSPRTION 464287192 541,474 6,896 SH SOLE 0 0 6,896
FORTIVE CORP COM 34959J108 504,252 9,200 SH SOLE 0 0 9,200
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 203,420 2,000 SH SOLE 0 0 2,000
AMGEN INC COM 031162100 2,265,616 5,375 SH SOLE 0 0 5,375
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 376,285 4,871 SH SOLE 0 0 4,871
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 294,047 5,221 SH SOLE 0 0 5,221
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,090,967 53,192 SH SOLE 0 0 53,192
CVS HEALTH CORP COM 126650100 831,107 9,699 SH SOLE 0 0 9,699
INTEL CORP COM 458140100 2,310,862 19,220 SH SOLE 0 0 19,220
M & T BK CORP COM 55261F104 217,600 1,000 SH SOLE 0 0 1,000
GILEAD SCIENCES INC COM 375558103 297,373 1,995 SH SOLE 0 0 1,995
ISHARES TR S&P MC 400GR ETF 464287606 303,620 2,770 SH SOLE 0 0 2,770
BROOKFIELD CORP CL A LTD VT SH 11271J107 559,187 15,337 SH SOLE 0 0 15,337
VANECK ETF TRUST VIDEO GMNG ESPRT 92189F114 289,531 3,000 SH SOLE 0 0 3,000
VERIZON COMMUNICATIONS INC COM 92343V104 546,649 11,917 SH SOLE 0 0 11,917
ISHARES GOLD TR ISHARES NEW 464285204 492,421 6,305 SH SOLE 0 0 6,305
ISHARES TR 1 3 YR TREAS BD 464287457 753,617 9,281 SH SOLE 0 0 9,281
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 843,370 8,945 SH SOLE 0 0 8,945
WISDOMTREE TR US LARGECAP DIVD 97717W307 1,428,840 14,700 SH SOLE 0 0 14,700
MICROSOFT CORP COM 594918104 14,841,773 28,937 SH SOLE 0 0 28,937
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 1,605,138 34,029 SH SOLE 0 0 34,029
ISHARES TR GL CLEAN ENE ETF 464288224 347,225 20,425 SH SOLE 0 0 20,425
ISHARES TR U.S. REAL ES ETF 464287739 268,108 2,821 SH SOLE 0 0 2,821
CHARLES SCHWAB CORP (THE) COM 808513105 607,454 6,215 SH SOLE 0 0 6,215
YUM BRANDS INC COM 988498101 526,272 3,860 SH SOLE 0 0 3,860
NVIDIA CORPORATION COM 67066G104 9,762,230 42,746 SH SOLE 0 0 42,746
ISHARES TR CORE S&P TTL STK 464287150 328,143 1,973 SH SOLE 0 0 1,973
UNION PAC CORP COM 907818108 1,813,746 6,665 SH SOLE 0 0 6,665
ISHARES TR RUS MD CP GR ETF 464287481 1,069,774 7,770 SH SOLE 0 0 7,770
SPDR INDEX SHS FDS ST STR EU 50 ETF 78463X202 698,139 10,372 SH SOLE 0 0 10,372
ISHARES TR CORE S&P MCP ETF 464287507 1,223,870 17,010 SH SOLE 0 0 17,010
SPDR SERIES TRUST ST STR SP HOME 78464A888 909,404 9,470 SH SOLE 0 0 9,470
OTIS WORLDWIDE CORP COM 68902V107 249,883 3,885 SH SOLE 0 0 3,885
BOEING CO COM 097023105 234,423 1,260 SH SOLE 0 0 1,260
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,277,602 18,212 SH SOLE 0 0 18,212
ISHARES TR US HLTHCR PR ETF 464288828 486,325 8,860 SH SOLE 0 0 8,860
AMERICAN TOWER CORP COM 03027X100 766,233 4,681 SH SOLE 0 0 4,681
ILLINOIS TOOL WKS INC COM 452308109 1,016,771 3,952 SH SOLE 0 0 3,952
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356 352,170 7,941 SH SOLE 0 0 7,941
ISHARES TR U.S. FINLS ETF 464287788 773,042 6,152 SH SOLE 0 0 6,152
AMERICAN ELEC PWR CO INC COM 025537101 704,366 5,937 SH SOLE 0 0 5,937
CONOCOPHILLIPS COM 20825C104 407,472 3,256 SH SOLE 0 0 3,256
PALANTIR TECHNOLOGIES INC CL A 69608A108 708,171 3,786 SH SOLE 0 0 3,786
ORACLE CORP COM 68389X105 3,509,937 25,564 SH SOLE 0 0 25,564
UBER TECHNOLOGIES INC COM 90353T100 273,834 3,997 SH SOLE 0 0 3,997
CITIGROUP INC COM NEW 172967424 458,359 3,540 SH SOLE 0 0 3,540
HOME DEPOT INC COM 437076102 2,374,069 8,345 SH SOLE 0 0 8,345
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 210,574 414 SH SOLE 0 0 414
ISHARES TR IBOXX HI YD ETF 464288513 1,607,844 20,824 SH SOLE 0 0 20,824
WASTE MGMT INC DEL COM 94106L109 1,448,648 7,104 SH SOLE 0 0 7,104
ISHARES TR CORE S&P500 ETF 464287200 14,644,746 19,122 SH SOLE 0 0 19,122
WELLS FARGO & CO COM 949746101 1,330,911 16,626 SH SOLE 0 0 16,626
ISHARES INC CORE MSCI EMKT 46434G103 2,087,516 25,721 SH SOLE 0 0 25,721
STATE STR CORP COM 857477103 279,344 1,600 SH SOLE 0 0 1,600
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 314,388 5,112 SH SOLE 0 0 5,112
DELL TECHNOLOGIES INC CL C 24703L202 3,145,394 5,847 SH SOLE 0 0 5,847
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 84,900 10,000 SH SOLE 0 0 10,000
ISHARES TR RUS 2000 GRW ETF 464287648 884,041 2,477 SH SOLE 0 0 2,477
PHILIP MORRIS INTL INC COM 718172109 205,322 1,076 SH SOLE 0 0 1,076
ROGERS CORP COM 775133101 229,485 1,500 SH SOLE 0 0 1,500
VANGUARD WORLD FD INF TECH ETF 92204A702 1,652,812 13,152 SH SOLE 0 0 13,152
L3HARRIS TECHNOLOGIES INC COM 502431109 230,624 974 SH SOLE 0 0 974
KEYSIGHT TECHNOLOGIES INC COM 49338L103 487,814 1,340 SH SOLE 0 0 1,340
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 215,526 591 SH SOLE 0 0 591
INTERNATIONAL BUSINESS MACHS COM 459200101 1,388,418 6,313 SH SOLE 0 0 6,313
ISHARES TR MICRO-CAP ETF 464288869 462,000 2,500 SH SOLE 0 0 2,500
AMERICAN WTR WKS CO INC NEW COM 030420103 1,637,019 12,644 SH SOLE 0 0 12,644
CHEVRON CORPORATION COM 166764100 1,997,757 9,783 SH SOLE 0 0 9,783
NOVO-NORDISK A S ADR 670100205 1,261,190 33,268 SH SOLE 0 0 33,268
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 195,714 13,100 SH SOLE 0 0 13,100
NEXTERA ENERGY INC COM 65339F101 2,097,013 27,687 SH SOLE 0 0 27,687
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 559,459 12,386 SH SOLE 0 0 12,386
ISHARES TR U.S. MED DVC ETF 464288810 1,516,904 29,656 SH SOLE 0 0 29,656
MCKESSON CORP COM 58155Q103 1,340,482 1,570 SH SOLE 0 0 1,570
ISHARES TR US HLTHCARE ETF 464287762 401,094 5,605 SH SOLE 0 0 5,605
LISTED FDS TR HORI KI INFL ETF 53656F623 486,057 9,694 SH SOLE 0 0 9,694
NETFLIX INC. COM 64110L106 354,858 5,100 SH SOLE 0 0 5,100
ELI LILLY & CO COM 532457108 347,124 300 SH SOLE 0 0 300
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 201,262 1,195 SH SOLE 0 0 1,195
DANAHER CORP DEL COM 235851102 1,962,933 8,860 SH SOLE 0 0 8,860
COSTCO WHOLESALE CORPORATION COM 22160K105 3,343,776 3,673 SH SOLE 0 0 3,673
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 384,270 8,645 SH SOLE 0 0 8,645
AMERICAN EXPRESS CO COM 025816109 294,977 970 SH SOLE 0 0 970
BROADCOM INC COM 11135F101 416,511 1,186 SH SOLE 0 0 1,186
SPDR SERIES TRUST ST STR SP DIV 78464A763 884,201 6,036 SH SOLE 0 0 6,036
FERRARI N V COM N3167Y103 239,639 610 SH SOLE 0 0 610
WALMART INC COM 931142103 915,668 8,811 SH SOLE 0 0 8,811
JPMORGAN CHASE & CO COM 46625H100 2,439,249 7,373 SH SOLE 0 0 7,373
CARRIER GLOBAL CORPORATION COM 14448C104 1,010,247 18,415 SH SOLE 0 0 18,415
AT&T INC COM 00206R102 277,141 11,358 SH SOLE 0 0 11,358
ELEVANCE HEALTH INC FORMERLY COM 036752103 777,640 2,000 SH SOLE 0 0 2,000
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 622,420 3,824 SH SOLE 0 0 3,824
BRISTOL-MYERS SQUIBB CO COM 110122108 964,792 15,461 SH SOLE 0 0 15,461
ISHARES TR US CONSUM DISCRE 464287580 1,311,755 13,840 SH SOLE 0 0 13,840
ISHARES TR CORE INTL AGGR 46435G672 269,173 5,471 SH SOLE 0 0 5,471
ISHARES TR S&P 500 GRWT ETF 464287309 715,283 5,028 SH SOLE 0 0 5,028
TIDAL TRUST I ADASINA SOCIAL 886364876 2,736,017 121,884 SH SOLE 0 0 121,884
UNIVERSAL HLTH SVCS INC CL B 913903100 898,310 5,155 SH SOLE 0 0 5,155
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 261,992 1,569 SH SOLE 0 0 1,569
CORNING INC COM 219350105 1,300,502 8,458 SH SOLE 0 0 8,458
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,514,613 8,542 SH SOLE 0 0 8,542
MERCK & CO INC COM 58933Y105 1,615,369 11,117 SH SOLE 0 0 11,117
COLGATE PALMOLIVE CO COM 194162103 239,749 2,810 SH SOLE 0 0 2,810
LOWES COS INC COM 548661107 259,849 1,410 SH SOLE 0 0 1,410
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,900,478 178,394 SH SOLE 0 0 178,394
MONSTER BEVERAGE CORP NEW COM 61174X109 208,100 5,000 SH SOLE 0 0 5,000
XYLEM INC COM 98419M100 215,199 2,125 SH SOLE 0 0 2,125
GE AEROSPACE COM NEW 369604301 384,429 1,231 SH SOLE 0 0 1,231
MOODYS CORP COM 615369105 227,065 500 SH SOLE 0 0 500
ISHARES TR U.S. TECH ETF 464287721 606,621 2,290 SH SOLE 0 0 2,290
LOCKHEED MARTIN CORP COM 539830109 617,211 1,212 SH SOLE 0 0 1,212
MODERNA INC COM 60770K107 452,540 2,350 SH SOLE 0 0 2,350
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,426,077 39,362 SH SOLE 0 0 39,362
BANK OF AMER CORP COM 060505104 930,114 17,088 SH SOLE 0 0 17,088
CISCO SYS INC COM 17275R102 1,678,597 15,596 SH SOLE 0 0 15,596
APPLE INC COM 037833100 16,093,990 48,327 SH SOLE 0 0 48,327
HONEYWELL AEROSPACE INC COM 43849R105 552,003 3,562 SH SOLE 0 0 3,562
MONDELEZ INTL INC CL A 609207105 301,531 5,215 SH SOLE 0 0 5,215
DOVER CORP COM 260003108 230,259 1,231 SH SOLE 0 0 1,231