Family CFO 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
Agilent Technologies, Inc	COM	00846U101	99,567	828	SH		SOLE		0	0	828
Amazon com	COM	023135106	93,859	720	SH		SOLE		0	0	720
Amgen Inc	COM	031162100	111,010	500	SH		SOLE		0	0	500
Apple	COM	037833100	172,633	890	SH		SOLE		0	0	890
AT&T INC COM	COM	00206R102	15,264	957	SH		SOLE		0	0	957
Automatic Data Processing, Inc	COM	053015103	87,916	400	SH		SOLE		0	0	400
Berkshire Hathaway	COM	084670702	1,240,899	3,639	SH		SOLE		0	0	3,639
Bloom Energy Corporation Com C	COM	093712107	3,963,976	242,445	SH		SOLE		0	0	242,445
Charter Communications Inc Com	COM	16119P108	29,757	81	SH		SOLE		0	0	81
Cisco Systems, Inc	COM	17275R102	125,263	2,421	SH		SOLE		0	0	2,421
Costco Wholesale Corp	COM	22160K105	102,292	190	SH		SOLE		0	0	190
DIMENSIONAL ETF INTERNATIONAL	COM	25434V807	1,374,970	41,856	SH		SOLE		0	0	41,856
DIMENSIONAL ETF TR US MARKETWI	COM	25434V724	798,089	23,133	SH		SOLE		0	0	23,133
ENDONOVO THERAPEUTICS INC COM	COM	29272H300	1	60	SH		SOLE		0	0	60
Federal Express Corp	COM	31428X106	49,580	200	SH		SOLE		0	0	200
Google Inc	COM	02079K107	33,872	280	SH		SOLE		0	0	280
Hewlett Packard Enterprise Co	COM	42824C109	6,720	400	SH		SOLE		0	0	400
Hewlett Packard, Inc	COM	40434L105	12,284	400	SH		SOLE		0	0	400
Home Depot Inc	COM	437076102	31,064	100	SH		SOLE		0	0	100
International Business Machine	COM	459200101	10,547	79	SH		SOLE		0	0	79
International Small Cap Value	COM	25434V781	119,551	5,055	SH		SOLE		0	0	5,055
Johnson & Johnson	COM	478160104	24,828	150	SH		SOLE		0	0	150
Keysight Technologies, Inc	COM	49338L103	77,864	465	SH		SOLE		0	0	465
Kyndryl Hldgs Inc Com	COM	50155Q100	186	14	SH		SOLE		0	0	14
Meta Platforms Inc Com Cl A	COM	30303M102	28,698	100	SH		SOLE		0	0	100
Microsoft Corp Com	COM	594918104	107,611	316	SH		SOLE		0	0	316
Oracle Corp Com	COM	68389X105	313,445	2,632	SH		SOLE		0	0	2,632
Pepsico, Inc	COM	713448108	23,153	125	SH		SOLE		0	0	125
Santa Cruz County Bank	COM	801827106	118,524	4,648	SH		SOLE		0	0	4,648
Starbucks Corporation	COM	855244109	11,392	115	SH		SOLE		0	0	115
Tesla Inc	COM	88160R101	812,796	3,105	SH		SOLE		0	0	3,105
United Parcel Service, Inc	COM	911312106	71,700	400	SH		SOLE		0	0	400
VANGUARD ALLWRLD EX US ETF	COM	922042775	1,778,935	32,695	SH		SOLE		0	0	32,695
VANGUARD DIVIDEND APPRECIATION	COM	921908844	15,218,886	93,695	SH		SOLE		0	0	93,695
Vanguard ESG US Stock ETF	COM	921910733	715,022	9,126	SH		SOLE		0	0	9,126
Vanguard EST International Sto	COM	921910725	785,497	14,790	SH		SOLE		0	0	14,790
VANGUARD EXTEND MKT ETF	COM	922908652	2,075,137	13,943	SH		SOLE		0	0	13,943
Vanguard FTSE All-World ex-US	COM	922042718	9,027,210	81,709	SH		SOLE		0	0	81,709
VANGUARD FTSE DEV MKT ETF	COM	921943858	1,386,139	30,016	SH		SOLE		0	0	30,016
VANGUARD FTSE EMR MKT ETF	COM	922042858	3,349,510	82,338	SH		SOLE		0	0	82,338
VANGUARD GLB EX US ETF	COM	922042676	124,991	3,110	SH		SOLE		0	0	3,110
VANGUARD GROWTH ETF	COM	922908736	3,026,540	10,696	SH		SOLE		0	0	10,696
VANGUARD INT-TERM CORP ETF	COM	92206C870	8,122,229	102,774	SH		SOLE		0	0	102,774
VANGUARD MID CAP ETF	COM	922908629	62,305	283	SH		SOLE		0	0	283
VANGUARD MORTGAGE-BACK SEC ETF	COM	92206C771	13,422,449	291,856	SH		SOLE		0	0	291,856
Vanguard Real Estate ETF	COM	922908553	1,533,326	18,350	SH		SOLE		0	0	18,350
Vanguard S&P 500 ETF	COM	922908363	7,136,360	17,522	SH		SOLE		0	0	17,522
Vanguard Small Cap ETF	COM	922908751	532,230	2,676	SH		SOLE		0	0	2,676
VANGUARD SMALL CAP VALUE ETF	COM	922908611	11,046,393	66,786	SH		SOLE		0	0	66,786
VANGUARD STRM INFPROIDX ETF	COM	922020805	1,551,867	32,726	SH		SOLE		0	0	32,726
Vanguard Total Bond Market	COM	921937835	130,260	1,792	SH		SOLE		0	0	1,792
VANGUARD TOTAL INTL STOCK INDE	COM	921909768	13,518,372	241,055	SH		SOLE		0	0	241,055
Vanguard Total Stock Market ET	COM	922908769	31,790,800	144,320	SH		SOLE		0	0	144,320
VANGUARD VALUE ETF	COM	922908744	5,198,302	36,582	SH		SOLE		0	0	36,582
VeriSign, Inc	COM	92343E102	11,299	50	SH		SOLE		0	0	50
WARNER BROS DISCOVERY INC COM	COM	934423104	2,897	231	SH		SOLE		0	0	231
Wells Fargo & Company	COM	949746101	57,490	1,347	SH		SOLE		0	0	1,347