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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   644,346 4,043 SH   SOLE   4,043 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   675,369 2,363 SH   SOLE   2,363 0 0
ALPHABET INC CAP STK CL A 02079K305   491,784 4,741 SH   SOLE   4,741 0 0
ALPHABET INC CAP STK CL C 02079K107   357,760 3,440 SH   SOLE   3,440 0 0
AMAZON COM INC COM 023135106   699,273 6,770 SH   SOLE   6,770 0 0
AMGEN INC COM 031162100   649,582 2,687 SH   SOLE   2,687 0 0
APPLE INC COM 037833100   8,922,828 54,110 SH   SOLE   54,110 0 0
APPLIED MATLS INC COM 038222105   227,236 1,850 SH   SOLE   1,850 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   402,578 5,800 SH   SOLE   5,800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   863,629 2,797 SH   SOLE   2,797 0 0
BLACKSTONE INC COM 09260D107   444,292 5,058 SH   SOLE   5,058 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   326,450 4,710 SH   SOLE   4,710 0 0
BROADCOM INC COM 11135F101   2,029,147 3,163 SH   SOLE   3,163 0 0
BRUNSWICK CORP COM 117043109   271,830 3,315 SH   SOLE   3,315 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,757,023 129,064 SH   SOLE   129,064 0 0
CHEVRON CORP NEW COM 166764100   315,062 1,931 SH   SOLE   1,931 0 0
CISCO SYS INC COM 17275R102   526,064 10,063 SH   SOLE   10,063 0 0
CME GROUP INC COM 12572Q105   300,686 1,570 SH   SOLE   1,570 0 0
CONSTELLATION BRANDS INC CL A 21036P108   456,959 2,023 SH   SOLE   2,023 0 0
CVS HEALTH CORP COM 126650100   277,251 3,731 SH   SOLE   3,731 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   16,010,134 376,709 SH   SOLE   376,709 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   1,049,286 24,500 SH   SOLE   24,500 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   28,202,003 1,046,456 SH   SOLE   1,046,456 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   445,030 9,211 SH   SOLE   9,211 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   485,590 10,407 SH   SOLE   10,407 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   843,590 33,108 SH   SOLE   33,108 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,958,313 132,036 SH   SOLE   132,036 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   35,907,399 1,248,084 SH   SOLE   1,248,084 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   4,373,513 203,514 SH   SOLE   203,514 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   740,747 32,123 SH   SOLE   32,123 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   272,335 2,823 SH   SOLE   2,823 0 0
EXXON MOBIL CORP COM 30231G102   254,930 2,325 SH   SOLE   2,325 0 0
HOME DEPOT INC COM 437076102   611,489 2,072 SH   SOLE   2,072 0 0
ISHARES TR CALIF MUN BD ETF 464288356   4,142,107 72,137 SH   SOLE   72,137 0 0
ISHARES GOLD TR ISHARES NEW 464285204   222,688 5,959 SH   SOLE   5,959 0 0
ISHARES TR NATIONAL MUN ETF 464288414   328,499 3,049 SH   SOLE   3,049 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   389,951 1,596 SH   SOLE   1,596 0 0
JOHNSON & JOHNSON COM 478160104   1,800,358 11,615 SH   SOLE   11,615 0 0
JPMORGAN CHASE & CO COM 46625H100   1,021,635 7,840 SH   SOLE   7,840 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,358,436 24,879 SH   SOLE   24,879 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   359,011 7,134 SH   SOLE   7,134 0 0
MCDONALDS CORP COM 580135101   551,671 1,973 SH   SOLE   1,973 0 0
MERCK & CO INC COM 58933Y105   375,450 3,529 SH   SOLE   3,529 0 0
MICROSOFT CORP COM 594918104   3,445,487 11,951 SH   SOLE   11,951 0 0
MONDELEZ INTL INC CL A 609207105   368,610 5,287 SH   SOLE   5,287 0 0
OCCIDENTAL PETE CORP COM 674599105   288,427 4,620 SH   SOLE   4,620 0 0
PEPSICO INC COM 713448108   555,104 3,045 SH   SOLE   3,045 0 0
PFIZER INC COM 717081103   205,836 5,045 SH   SOLE   5,045 0 0
PHILLIPS 66 COM 718546104   368,009 3,630 SH   SOLE   3,630 0 0
PROCTER AND GAMBLE CO COM 742718109   1,268,873 8,533 SH   SOLE   8,533 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   799,622 33,839 SH   SOLE   33,839 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,713,168 49,229 SH   SOLE   49,229 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,577,513 241,954 SH   SOLE   241,954 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   34,452,311 470,917 SH   SOLE   470,917 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,558,262 37,164 SH   SOLE   37,164 0 0
SNOWFLAKE INC CL A 833445109   250,876 1,626 SH   SOLE   1,626 0 0
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   19,932,600 429,258 SH   SOLE   429,258 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   21,210,274 516,946 SH   SOLE   516,946 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   381,843 5,111 SH   SOLE   5,111 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   916,479 19,274 SH   SOLE   19,274 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   302,957 13,659 SH   SOLE   13,659 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   683,947 1,671 SH   SOLE   1,671 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,152,378 9,315 SH   SOLE   9,315 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   538,958 5,794 SH   SOLE   5,794 0 0
TEXAS INSTRS INC COM 882508104   427,823 2,300 SH   SOLE   2,300 0 0
COCA COLA CO COM 191216100   661,070 10,657 SH   SOLE   10,657 0 0
UNION PAC CORP COM 907818108   475,980 2,365 SH   SOLE   2,365 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,314,194 6,791 SH   SOLE   6,791 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,481,268 9,618 SH   SOLE   9,618 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   728,683 16,132 SH   SOLE   16,132 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,188,366 8,773 SH   SOLE   8,773 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   603,119 7,263 SH   SOLE   7,263 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   348,888 5,960 SH   SOLE   5,960 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   206,964 2,715 SH   SOLE   2,715 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,110,892 15,242 SH   SOLE   15,242 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   215,241 1,558 SH   SOLE   1,558 0 0
VISA INC COM CL A 92826C839   206,549 916 SH   SOLE   916 0 0
WALKER & DUNLOP INC COM 93148P102   400,045 5,252 SH   SOLE   5,252 0 0
WALMART INC COM 931142103   586,409 3,977 SH   SOLE   3,977 0 0
DISNEY WALT CO COM 254687106   637,665 6,368 SH   SOLE   6,368 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   34,262,315 549,604 SH   SOLE   549,604 0 0
YUM BRANDS INC COM 988498101   213,838 1,619 SH   SOLE   1,619 0 0