Harbor 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	267,788	1,657	SH		SOLE		0	0	1,657
ADVANCED MICRO DEVICES INC	COM	007903107	202,795	3,131	SH		SOLE		0	0	3,131
ANALOG DEVICES INC	COM	032654105	800,704	4,881	SH		SOLE		0	0	4,881
APPLE INC	COM	037833100	1,368,287	10,531	SH		SOLE		0	0	10,531
AT&T INC	COM	00206R102	438,235	23,804	SH		SOLE		0	0	23,804
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	705,219	2,283	SH		SOLE		0	0	2,283
CANO HEALTH INC	*W EXP 06/03/202	13781Y111	13,757	62,532	SH		SOLE		0	0	62,532
CANO HEALTH INC	COM CL A	13781Y103	139,689	101,963	SH		SOLE		0	0	101,963
CSX CORP	COM	126408103	368,148	11,883	SH		SOLE		0	0	11,883
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	317,871	7,233	SH		SOLE		0	0	7,233
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	2,627,867	121,660	SH		SOLE		0	0	121,660
ELEVANCE HEALTH INC	COM	036752103	437,050	852	SH		SOLE		0	0	852
EXXON MOBIL CORP	COM	30231G102	514,369	4,663	SH		SOLE		0	0	4,663
HERITAGE INSURANCE HLDGS INC	COM	42727J102	34,052	18,918	SH		SOLE		0	0	18,918
INTUIT	COM	461202103	517,273	1,329	SH		SOLE		0	0	1,329
INVESCO QQQ TR	UNIT SER 1	46090E103	404,344	1,518	SH		SOLE		0	0	1,518
ISHARES TR	CORE MSCI EAFE	46432F842	558,266	9,057	SH		SOLE		0	0	9,057
ISHARES TR	CORE S&P MCP ETF	464287507	28,767,878	118,930	SH		SOLE		0	0	118,930
ISHARES TR	CORE S&P SCP ETF	464287804	17,725,009	187,289	SH		SOLE		0	0	187,289
ISHARES TR	CORE S&P500 ETF	464287200	7,823,617	20,363	SH		SOLE		0	0	20,363
ISHARES TR	CORE TOTAL USD	46434V613	753,538	16,771	SH		SOLE		0	0	16,771
ISHARES TR	EAFE GRWTH ETF	464288885	978,465	11,682	SH		SOLE		0	0	11,682
ISHARES TR	EAFE SML CP ETF	464288273	335,152	5,934	SH		SOLE		0	0	5,934
ISHARES TR	EAFE VALUE ETF	464288877	438,410	9,556	SH		SOLE		0	0	9,556
ISHARES TR	GRWT ALLOCAT ETF	464289867	1,020,967	21,649	SH		SOLE		0	0	21,649
ISHARES TR	MSCI EMG MKT ETF	464287234	295,241	7,790	SH		SOLE		0	0	7,790
ISHARES TR	MSCI USA ESG SLC	464288802	218,956	2,660	SH		SOLE		0	0	2,660
ISHARES TR	NATIONAL MUN ETF	464288414	3,859,382	36,575	SH		SOLE		0	0	36,575
ISHARES TR	RUS 1000 ETF	464287622	455,144	2,162	SH		SOLE		0	0	2,162
ISHARES TR	RUS 1000 GRW ETF	464287614	333,143	1,555	SH		SOLE		0	0	1,555
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	299,319	5,923	SH		SOLE		0	0	5,923
JOHNSON & JOHNSON	COM	478160104	294,329	1,666	SH		SOLE		0	0	1,666
JPMORGAN CHASE & CO	COM	46625H100	493,723	3,682	SH		SOLE		0	0	3,682
MASTERCARD INCORPORATED	CL A	57636Q104	237,033	682	SH		SOLE		0	0	682
MICROSOFT CORP	COM	594918104	391,213	1,631	SH		SOLE		0	0	1,631
PFIZER INC	COM	717081103	212,579	4,149	SH		SOLE		0	0	4,149
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	518,951	5,142	SH		SOLE		0	0	5,142
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	1,232,339	23,060	SH		SOLE		0	0	23,060
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	13,989,317	251,788	SH		SOLE		0	0	251,788
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	7,829,928	118,599	SH		SOLE		0	0	118,599
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	4,814,109	106,625	SH		SOLE		0	0	106,625
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	11,587,622	176,614	SH		SOLE		0	0	176,614
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	2,378,797	58,721	SH		SOLE		0	0	58,721
SPDR S&P 500 ETF TR	TR UNIT	78462F103	502,874	1,315	SH		SOLE		0	0	1,315
SPDR SER TR	PRTFLO S&P500 GW	78464A409	8,295,914	163,724	SH		SOLE		0	0	163,724
SPDR SER TR	PRTFLO S&P500 VL	78464A508	14,509,360	373,087	SH		SOLE		0	0	373,087
SPRINKLR INC	CL A	85208T107	88,849	10,875	SH		SOLE		0	0	10,875
SSGA ACTIVE ETF TR	MULT ASS RLRTN	78467V103	5,225,381	189,738	SH		SOLE		0	0	189,738
T ROWE PRICE ETF INC	PRICE BLUE CHIP	87283Q107	6,538,258	317,083	SH		SOLE		0	0	317,083
TEXAS INSTRS INC	COM	882508104	394,380	2,387	SH		SOLE		0	0	2,387
UNITEDHEALTH GROUP INC	COM	91324P102	211,116	398	SH		SOLE		0	0	398
VANGUARD INDEX FDS	GROWTH ETF	922908736	790,217	3,708	SH		SOLE		0	0	3,708
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	336,112	1,758	SH		SOLE		0	0	1,758
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	260,054	6,196	SH		SOLE		0	0	6,196
VELO3D INC	COMMON STOCK	92259N104	32,743	18,292	SH		SOLE		0	0	18,292
VERIZON COMMUNICATIONS INC	COM	92343V104	339,793	8,624	SH		SOLE		0	0	8,624
VISA INC	COM CL A	92826C839	761,648	3,666	SH		SOLE		0	0	3,666