Bull Oak Capital 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

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMERICAN CENTURY ETF TRUST AVANTIS U S EQUITY ETF	ETF	250728850	399,115	4,195	SH		SOLE		0	0	0
CUMMINS INC	EQUITY	231021106	20,399	63	SH		SOLE		0	0	0
DECKERS OUTDOOR CORPORATION	EQUITY	243537107	132,025	828	SH		SOLE		0	0	0
WALT DISNEY CO	EQUITY	254687106	22,124	230	SH		SOLE		0	0	0
FIDELITY ASSET MANAGER	MUTUAL	316069103	47,570	2,219	SH		SOLE		0	0	0
FIDELITY FDS EQUITY DIVIDEND INCOME FUND	MUTUAL	316145101	75,502	2,423	SH		SOLE		0	0	0
FIDELITY SELECT HEALTH CARE PORTFOLIO	MUTUAL	316390301	15,424	486	SH		SOLE		0	0	0
GENERAL ELECTRIC COMPANY COMMON STOCK	EQUITY	369604301	943	5	SH		SOLE		0	0	0
HARTFORD GROWTH OPPORTUNITIES FUND CL I	MUTUAL	416641207	14,964	247	SH		SOLE		0	0	0
INDUSTRIA DE DISENO TEXTIL INDITEX SA UNSPONSORED ADR	EQUITY	455793109	2,760	93	SH		SOLE		0	0	0
ING GROEP NV-SPONSORED ADR	EQUITY	456837103	5,630	310	SH		SOLE		0	0	0
INTUIT INC	EQUITY	461202103	540,891	871	SH		SOLE		0	0	0
WCM FOCUSED INTERNATIONAL GROWTH CL INSTITUTIONAL	MUTUAL	461418444	3,580	136	SH		SOLE		0	0	0
ISHARES GOLD TRUST SHARES OF THE ISHARES GOLD TRUST	ETF	464285204	79,122	1,592	SH		SOLE		0	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	45,692,733	79,215	SH		SOLE		0	0	0
ISHARES CORE U S AGGREGATE BD ETF	ETF	464287226	7,261	72	SH		SOLE		0	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	5,854	70	SH		SOLE		0	0	0
ISHARES TRUST ISHARES SHORT TREASURY BOND ETF	ETF	464288679	3,514,933	31,772	SH		SOLE		0	0	0
ITAU UNIBANCO BANCO HOLDING S A SPONSORED ADR REPSTG 500 PFD	EQUITY	465562106	1,656	249	SH		SOLE		0	0	0
KOMATSU LTD SPONSORED ADR	EQUITY	500458401	1,886	68	SH		SOLE		0	0	0
MFS SER TR I VALUE FUND CL I	MUTUAL	552983694	22,912	422	SH		SOLE		0	0	0
MICROSOFT CORP	EQUITY	594918104	549,364	1,277	SH		SOLE		0	0	0
MITSUBISHI ELECTRIC CORP ADR	EQUITY	606776201	2,485	77	SH		SOLE		0	0	0
NN GROUP NV AMERICAN DEPOSITARY RECEIPTS UNSPONSORED	EQUITY	629334103	2,982	120	SH		SOLE		0	0	0
NATIONAL GRID PLC AMERICAN DEPOSITARY SHRS EACH RPRSNNG FIVE ORDINARY SHARES	EQUITY	636274409	2,856	41	SH		SOLE		0	0	0
NIPPON TELEGRAPH AND TELEPHONE CORPORATION AMERICAN DEPOSITARY SHARES	EQUITY	654624105	1,688	66	SH		SOLE		0	0	0
OVERSEA CHINESE BANKING CORPORATION LTD UNSPONSORED ADR	EQUITY	690333109	2,356	99	SH		SOLE		0	0	0
ROCHE HOLDING LTD SPONSORED ADR REPSTG ORD	EQUITY	771195104	2,717	68	SH		SOLE		0	0	0
SHELL PLC AMERICAN DEPOSITARY SHARES EACH REPRESENTS TWO ORD SHRS	EQUITY	780259305	4,221	64	SH		SOLE		0	0	0
SAP SE SPONSORED ADR	EQUITY	803054204	2,749	12	SH		SOLE		0	0	0
SCHWAB STRATEGIC TR US DIVIDEND EQUITY ETF	ETF	808524797	243,068	2,876	SH		SOLE		0	0	0
SEKISUI HOUSE LTD SPONSORED ADR	EQUITY	816078307	3,037	108	SH		SOLE		0	0	0
SEMPRA COMMON STOCK	EQUITY	816851109	423,084	5,059	SH		SOLE		0	0	0
SIEMENS AG AMERICAN DEPOSITARY SHARES	EQUITY	826197501	5,154	51	SH		SOLE		0	0	0
TAIWAN SEMICONDUCTOR MFG CO LTD-SPONSORED ADR REPSTG 5 COM	EQUITY	874039100	21,361	123	SH		SOLE		0	0	0
TAL EDUCATION GROUP AMERICAN DEPOSITARY SHRS ECH RPRSNTNG TWO CLSS A CMMN SHRS	EQUITY	874080104	11,840	1,000	SH		SOLE		0	0	0
TAYLOR WIMPEY PLC UNSPONSORED ADR	EQUITY	877409102	3,459	154	SH		SOLE		0	0	0
TESCO PLC AMERICAN DEPOSITARY RECEIPTS SPONSORED	EQUITY	881575401	4,484	309	SH		SOLE		0	0	0
THALES AMERICAN DEPOSITARY RECEIPTS UNSPONSORED	EQUITY	883219206	2,343	74	SH		SOLE		0	0	0
THORNBURG INVT TR INTL GROWTH FD CL I	MUTUAL	885215244	31,381	1,113	SH		SOLE		0	0	0
TOYOTA MOTOR CORPORATION ADS	EQUITY	892331307	2,679	15	SH		SOLE		0	0	0
VANGUARD INTERMEDIATE TERM BOND ETF	ETF	921937819	102,508	1,308	SH		SOLE		0	0	0
VANGUARD SHORT TERM BOND ETF	ETF	921937827	2,416,346	30,707	SH		SOLE		0	0	0
VANGUARD WINDSOR FUND INC VANGUARD WINDSOR II PORTFOLIO	MUTUAL	922018205	55,058	1,120	SH		SOLE		0	0	0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMERGING INDEX	ETF	922042858	1,152	24	SH		SOLE		0	0	0
VANGUARD S&P 500 ETF	ETF	922908363	22,450	43	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD MID-CAP VALUE ETF	ETF	922908512	2,358	14	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD MID-CAP GROWTH ETF	ETF	922908538	2,195	9	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS SMALLCAP GROWTH ETF	ETF	922908595	114,557	428	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS SMALL-CAP VALUE ETF	ETF	922908611	149,423	744	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD MID-CAP ETF	ETF	922908629	6,739,489	25,545	SH		SOLE		0	0	0
VANGUARD INDEX TR VANGUARD TOTAL STK MKT ADMIRAL ADMIRAL SHS	MUTUAL	922908728	97,165	705	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD GROWTH ETF	ETF	922908736	1,144,318	2,981	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD VALUE ETF	ETF	922908744	967,463	5,542	SH		SOLE		0	0	0
VANGUARD INDEX FUNDS VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	199,962	706	SH		SOLE		0	0	0
WOLTERS KLUWER NV SPONSORED ADR	EQUITY	977874205	3,523	21	SH		SOLE		0	0	0
YAMAHA CORPORATION SPONSORED ADR	EQUITY	984627109	1,364	51	SH		SOLE		0	0	0
INVESCO EQUALLY-WEIGHTED S&P 500 FUND CLASS A	MUTUAL	00142J818	27,648	349	SH		SOLE		0	0	0
INVESCO DISCOVERY MID CAP GWTH FD CL A	MUTUAL	0143W8420	54,471	1,939	SH		SOLE		0	0	0
ABERCROMBIE & FITCH CO-CL A	EQUITY	002896207	18,187	130	SH		SOLE		0	0	0
ACCOR S A SPONSORED ADR NEW	EQUITY	00435F309	3,301	373	SH		SOLE		0	0	0
ADOBE INC COMMON STOCK	EQUITY	00724F101	492,927	952	SH		SOLE		0	0	0
AGNICO EAGLE MINES LIMITED	EQUITY	008474108	2,658	33	SH		SOLE		0	0	0
INVESCO GLOBAL FUND CL A	MUTUAL	0900W1000	93,938	889	SH		SOLE		0	0	0
AB LARGE CAP GROWTH FUND CL ADVISOR	MUTUAL	01877C408	13,361	119	SH		SOLE		0	0	0
ALLIANZ SE UNSPONSORED ADR	EQUITY	018820100	3,840	117	SH		SOLE		0	0	0
ALPHA ARCHITECT ETF TR FREEDOM 100 EMERGING MARKETS ETF	ETF	02072L607	6,596,405	184,360	SH		SOLE		0	0	0
ALPHABET INC CLASS C CAPITAL STOCK	EQUITY	02079K107	16,719	100	SH		SOLE		0	0	0
ALPHABET INC CLASS A COMMON STOCK	EQUITY	02079K305	91,808	554	SH		SOLE		0	0	0
ALSTOM UNSPONSORED ADR	EQUITY	021244207	3,193	1,573	SH		SOLE		0	0	0
AMAZON.COM INC	EQUITY	023135106	44,719	240	SH		SOLE		0	0	0
AMERICAN CENTURY ETF TRUST AVANTIS INTERNATIONAL SMALL CAP VALUE ETF	ETF	025072802	4,063,221	57,496	SH		SOLE		0	0	0
AMERICAN CENTURY ETF TRUST AVANTIS U S SMALL CAP VALUE ETF	ETF	025072877	11,869,154	123,701	SH		SOLE		0	0	0
AMERICAN CENTURY ETF TRUST AVANTIS U S EQUITY ETF	ETF	025072885	24,625,516	258,807	SH		SOLE		0	0	0
AMERICAN CENTURY ULTRA FUND INVESTOR CLASS	MUTUAL	025083882	132,007	1,448	SH		SOLE		0	0	0
ANGLO AMERICAN PLC SPONSORED ADR	EQUITY	03485P300	2,140	132	SH		SOLE		0	0	0
APPLE INC	EQUITY	037833100	36,128	155	SH		SOLE		0	0	0
BK OF AMERICA CORP 4.183 11/25/27	CORPORATE	6051GGC70	4,988	5,000	SH		SOLE		0	0	0
BHP GROUP LIMITED AMERICAN DEPOSITARY SHARES ON ECH RPSNTNG TWO ORD SHS	EQUITY	088606108	1,925	31	SH		SOLE		0	0	0
CISCO SYSTEMS INC	EQUITY	17275R102	80,628	1,515	SH		SOLE		0	0	0
DSM-FIRMENICH AG S/ADR by DSM FIRMENICH AG	EQUITY	23346J103	2,419	175	SH		SOLE		0	0	0
DEUTSCHE POST AG SPONSORED ADR ADR	EQUITY	25157Y202	3,477	78	SH		SOLE		0	0	0
DIMENSIONAL ETF TRUST DIMENSIONAL U S EQUITY ETF	ETF	25434V401	197,206	3,171	SH		SOLE		0	0	0
DIMENSIONAL ETF TRUST DIMENSIONAL U S TARGETED VALUE ETF	ETF	25434V609	74,636	1,342	SH		SOLE		0	0	0
DIMENSIONAL ETF TRUST DIMENSIONAL US MARKETWIDE VALUE ETF	ETF	25434V724	248,579	5,963	SH		SOLE		0	0	0
EMBRAER S A ADR EACH REP 4 COM STK SHS	EQUITY	29082A107	4,563	129	SH		SOLE		0	0	0
EXPERIAN PLC SPONSORED ADR	EQUITY	30215C101	84,551	1,605	SH		SOLE		0	0	0
META PLATFORMS INC CLASS A COMMON STOCK	EQUITY	30303M102	41,870	73	SH		SOLE		0	0	0
FIRST TRUST EXCHANGE TRADED FD II FIRST TRUST NASDAQ CYBERSECURITY ETF	ETF	33734X846	1,896	32	SH		SOLE		0	0	0
FUJIFILM HOLDINGS CORPORATION ADR	EQUITY	35958N107	2,186	170	SH		SOLE		0	0	0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK	EQUITY	36266G107	94	1	SH		SOLE		0	0	0
GE Vernova Inc. Common Stock	EQUITY	36828A101	255	1	SH		SOLE		0	0	0
HP INC COM	EQUITY	40434L105	9,757	272	SH		SOLE		0	0	0
HEWLETT PACKARD ENTERPRISE COMPANY COM	EQUITY	42824C109	5,504	269	SH		SOLE		0	0	0
ICICI BANK LTD SPONSORED ADR	EQUITY	45104G104	2,388	80	SH		SOLE		0	0	0
ISHARES TRUST ISHARES U S TREASURY BOND ETF	ETF	46429B267	8,990,566	383,393	SH		SOLE		0	0	0
ISHARES TRUST ISHARES FLOATING RATE BOND ETF	ETF	46429B655	115,197	2,257	SH		SOLE		0	0	0
ISHARES TR CORE MSCI EAFE ETF	ETF	46432F842	22,690,108	290,712	SH		SOLE		0	0	0
ISHARES BITCOIN TR SHS ETF	ETF	46438F101	856,138	23,696	SH		SOLE		0	0	0
JPMORGAN TR I U S EQUITY FD CL I	MUTUAL	4812A1159	14,928	575	SH		SOLE		0	0	0
MFS SER TR X MFS INTL INTRINSIC VALUE FD I	MUTUAL	55273E822	37,176	797	SH		SOLE		0	0	0
FEDERATED HRMS PRIME CSH OBL CL WSARES	MUTUAL	60934N625	410,500	410,500	SH		SOLE		0	0	0
NETFLIX INC COM	EQUITY	64110L106	32,626	46	SH		SOLE		0	0	0
NVIDIA CORP	EQUITY	67066G104	236,827	1,950	SH		SOLE		0	0	0
PRINCIPAL INVS FD INC REAL ESTATE SECS FD INSTL CL	MUTUAL	74253Q580	5,817	188	SH		SOLE		0	0	0
PRINCIPAL INVS FD INC MIDCAP FD INST CL	MUTUAL	74253Q747	11,005	240	SH		SOLE		0	0	0
PUBLICIS S A NEW SPONSORED ADR	EQUITY	74463M106	3,639	133	SH		SOLE		0	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	421,786	735	SH		SOLE		0	0	0
SPDR SERIES TRUST SPDR PORTFOLIO AGGREGATE BOND ETF	ETF	78464A649	16,975,896	649,422	SH		SOLE		0	0	0
SPDR SERIES TRUST SPDR PORTFOLIO S&P 500 ETF	ETF	78464A854	10,067,196	149,122	SH		SOLE		0	0	0
SPDR DOW JONES INDL AVERAGE ETF TR UNIT SER 1	ETF	78467X109	32,580	77	SH		SOLE		0	0	0
SALESFORCE.COM INC	EQUITY	79466L302	59,669	218	SH		SOLE		0	0	0
SANOFI ADR	EQUITY	80105N105	3,515	61	SH		SOLE		0	0	0
SEVEN & I HOLDINGS CO LTD UNSPONSORED ADR	EQUITY	81783H105	1,991	133	SH		SOLE		0	0	0
SOMPO JAPAN NIPPONKOA HLDGS INC AMERICAN DEPOSITARY RECEIPTS UNSPONSORED	EQUITY	83540J101	2,996	268	SH		SOLE		0	0	0
SUMITOMO MITSUI TR HOLDINGS INC SPONSORED AMERICAN DEPOSITORY RECEIPT	EQUITY	86562X106	3,937	822	SH		SOLE		0	0	0
TECHNIP ENERGIES NV ADR SPONSORED	EQUITY	87854Y109	3,187	133	SH		SOLE		0	0	0
TELENOR ASA SPONSORED ADR	EQUITY	87944W105	2,131	166	SH		SOLE		0	0	0
TESLA INC COMMON STOCK	EQUITY	88160R101	84,245	322	SH		SOLE		0	0	0
TOUCHSTONE STRATEGIC TR SNDS CAP EMRNG MKTS GRWTH CL Y	MUTUAL	89154Q570	578	36	SH		SOLE		0	0	0
VANGUARD WORLD FUNDS VANGUARD HEALTH CARE ETF	ETF	92204A504	90,586	321	SH		SOLE		0	0	0
VANGUARD INTERMEDIATE TERM CORPORATE BOND ETF	ETF	92206C870	27,135	324	SH		SOLE		0	0	0
AXIS CAPITAL HOLDINGS LTD	EQUITY	G0692U109	3,503	44	SH		SOLE		0	0	0
UBS GROUP AG SHS	EQUITY	H42097107	4,296	139	SH		SOLE		0	0	0