Peninsula Wealth 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBVIE INC	COM	00287Y109	205,781	1,208	SH		SOLE		1,208	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	245,900	1,354	SH		SOLE		1,354	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,129,680	6,104	SH		SOLE		6,104	0	0
ALPHABET INC	CAP STK CL C	02079K107	1,510,451	8,087	SH		SOLE		8,086	0	0
AMAZON COM INC	COM	023135106	1,739,344	8,943	SH		SOLE		8,943	0	0
APPLE INC	COM	037833100	11,814,705	51,248	SH		SOLE		51,247	0	0
ATLASSIAN CORPORATION	CL A	049468101	1,088,700	6,000	SH		SOLE		6,000	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,282,658	3,022	SH		SOLE		3,022	0	0
BLACKROCK ETF TRUST	US EQT FACTOR	09290C103	576,208	11,957	SH		SOLE		11,957	0	0
BLACKROCK ETF TRUST II	FLEXIBLE INCOME	092528603	435,585	8,292	SH		SOLE		8,292	0	0
BLUE OWL CAPITAL CORPORATION	COM	69121K104	285,853	18,242	SH		SOLE		18,242	0	0
BROADCOM INC	COM	11135F101	1,657,223	974	SH		SOLE		974	0	0
CISCO SYS INC	COM	17275R102	404,757	8,543	SH		SOLE		8,542	0	0
COSTCO WHSL CORP NEW	COM	22160K105	661,468	785	SH		SOLE		784	0	0
DBX ETF TR	XTRACK MSCI EAFE	233051200	516,259	12,153	SH		SOLE		12,153	0	0
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	1,752,844	64,078	SH		SOLE		64,077	0	0
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	1,190,142	36,274	SH		SOLE		36,273	0	0
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	3,061,568	103,888	SH		SOLE		103,887	0	0
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	1,932,598	48,099	SH		SOLE		48,098	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	761,672	12,220	SH		SOLE		12,219	0	0
ELI LILLY & CO	COM	532457108	554,398	585	SH		SOLE		584	0	0
EXXON MOBIL CORP	COM	30231G102	561,124	4,954	SH		SOLE		4,953	0	0
GILEAD SCIENCES INC	COM	375558103	2,409,286	34,438	SH		SOLE		34,438	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	263,953	12,468	SH		SOLE		12,468	0	0
HOME DEPOT INC	COM	437076102	289,909	806	SH		SOLE		805	0	0
INTUIT	COM	461202103	1,131,368	1,762	SH		SOLE		1,762	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	264,928	3,993	SH		SOLE		3,992	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	350,190	9,000	SH		SOLE		9,000	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	13,943,654	28,179	SH		SOLE		28,179	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	4,032,515	72,280	SH		SOLE		72,280	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	15,051,237	243,390	SH		SOLE		243,389	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	1,232,597	11,791	SH		SOLE		11,790	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,644,827	28,686	SH		SOLE		28,685	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	10,388,406	137,195	SH		SOLE		137,195	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	11,136,547	184,319	SH		SOLE		184,318	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,472,542	13,232	SH		SOLE		13,231	0	0
ISHARES TR	CORE S&P US GWT	464287671	6,740,996	51,126	SH		SOLE		51,126	0	0
ISHARES TR	CORE S&P US VLU	464287663	951,729	10,568	SH		SOLE		10,567	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,626,307	4,665	SH		SOLE		4,664	0	0
ISHARES TR	CORE TOTAL USD	46434V613	6,657,379	145,389	SH		SOLE		145,389	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	1,093,146	10,272	SH		SOLE		10,272	0	0
ISHARES TR	EAFE VALUE ETF	464288877	7,403,051	133,992	SH		SOLE		133,991	0	0
ISHARES TR	HDG MSCI EAFE	46434V803	3,764,232	104,999	SH		SOLE		104,999	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	1,058,826	20,516	SH		SOLE		20,515	0	0
ISHARES TR	MBS ETF	464288588	2,529,209	27,161	SH		SOLE		27,160	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	7,754,286	270,845	SH		SOLE		270,844	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	624,589	3,583	SH		SOLE		3,583	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	638,350	1,694	SH		SOLE		1,694	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	56,910,194	594,300	SH		SOLE		594,300	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	49,983,628	268,686	SH		SOLE		268,685	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	603,414	5,751	SH		SOLE		5,750	0	0
ISHARES TR	TIPS BD ETF	464287176	307,874	2,864	SH		SOLE		2,863	0	0
ISHARES TR	U.S. TECH ETF	464287721	297,632	1,909	SH		SOLE		1,909	0	0
J P MORGAN EXCHANGE TRADED F	INTERNL GWT	46641Q324	8,753,117	130,469	SH		SOLE		130,468	0	0
JOHNSON & JOHNSON	COM	478160104	257,172	1,716	SH		SOLE		1,715	0	0
JPMORGAN CHASE & CO.	COM	46625H100	549,025	2,679	SH		SOLE		2,678	0	0
LAM RESEARCH CORP	COM	512807108	294,066	275	SH		SOLE		274	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	533,080	1,211	SH		SOLE		1,211	0	0
MERCK & CO INC	COM	58933Y105	233,752	1,830	SH		SOLE		1,829	0	0
META PLATFORMS INC	CL A	30303M102	1,303,487	2,613	SH		SOLE		2,612	0	0
MICROSOFT CORP	COM	594918104	4,688,294	10,337	SH		SOLE		10,336	0	0
NETFLIX INC	COM	64110L106	200,756	310	SH		SOLE		310	0	0
NVIDIA CORPORATION	COM	67066G104	22,106,541	171,050	SH		SOLE		171,050	0	0
ORACLE CORP	COM	68389X105	47,819,456	330,313	SH		SOLE		330,313	0	0
PEPSICO INC	COM	713448108	531,135	3,192	SH		SOLE		3,192	0	0
PROCTER AND GAMBLE CO	COM	742718109	228,066	1,369	SH		SOLE		1,368	0	0
RTX CORPORATION	COM	75513E101	312,033	3,081	SH		SOLE		3,080	0	0
SALESFORCE INC	COM	79466L302	438,170	1,725	SH		SOLE		1,725	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	207,746	2,295	SH		SOLE		2,295	0	0
SNOWFLAKE INC	CL A	833445109	63,547,562	468,122	SH		SOLE		468,122	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	348,874	623	SH		SOLE		623	0	0
SYNOPSYS INC	COM	871607107	2,569,799	4,185	SH		SOLE		4,185	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	359,925	1,921	SH		SOLE		1,921	0	0
TESLA INC	COM	88160R101	1,545,976	6,228	SH		SOLE		6,228	0	0
UBER TECHNOLOGIES INC	COM	90353T100	600,952	8,297	SH		SOLE		8,297	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	287,197	561	SH		SOLE		561	0	0
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	554,921	6,291	SH		SOLE		6,290	0	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	628,825	8,286	SH		SOLE		8,286	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	491,773	6,370	SH		SOLE		6,370	0	0
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	506,633	10,342	SH		SOLE		10,341	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	54,614,643	141,459	SH		SOLE		141,459	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	3,458,248	13,904	SH		SOLE		13,904	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	8,733,237	38,668	SH		SOLE		38,668	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,277,164	4,633	SH		SOLE		4,633	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	39,209,472	238,646	SH		SOLE		238,645	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	5,184,337	113,717	SH		SOLE		113,716	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	205,892	1,769	SH		SOLE		1,768	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	221,506	4,387	SH		SOLE		4,387	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	609,641	7,513	SH		SOLE		7,512	0	0
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	233,113	5,063	SH		SOLE		5,063	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,225,992	6,551	SH		SOLE		6,550	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	9,674,610	187,856	SH		SOLE		187,856	0	0
VEEVA SYS INC	CL A COM	922475108	1,279,171	6,807	SH		SOLE		6,807	0	0
VISA INC	COM CL A	92826C839	1,883,296	7,087	SH		SOLE		7,086	0	0
WALMART INC	COM	931142103	322,427	4,657	SH		SOLE		4,656	0	0