RF&L Wealth Management 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
ABBOTT LABS	COM	002824100	1,211,577	11,035	SH		SOLE		0	0	11,035
ABBVIE INC	COM	00287Y109	3,196,646	19,780	SH		SOLE		0	0	19,780
AMAZON COM INC	COM	023135106	2,095,548	24,947	SH		SOLE		0	0	24,947
APPLE INC	COM	037833100	4,594,845	35,364	SH		SOLE		0	0	35,364
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	251,136	813	SH		SOLE		0	0	813
CHEVRON CORP NEW	COM	166764100	305,133	1,700	SH		SOLE		0	0	1,700
COCA COLA CO	COM	191216100	1,118,264	17,580	SH		SOLE		0	0	17,580
COSTCO WHSL CORP NEW	COM	22160K105	851,373	1,865	SH		SOLE		0	0	1,865
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	6,385,803	153,468	SH		SOLE		0	0	153,468
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,058,735	98,900	SH		SOLE		0	0	98,900
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	12,862,934	292,672	SH		SOLE		0	0	292,672
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	6,871,871	283,026	SH		SOLE		0	0	283,026
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,468,699	252,948	SH		SOLE		0	0	252,948
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	283,289	12,755	SH		SOLE		0	0	12,755
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	2,978,379	97,973	SH		SOLE		0	0	97,973
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,031,292	47,745	SH		SOLE		0	0	47,745
EXXON MOBIL CORP	COM	30231G102	689,816	6,254	SH		SOLE		0	0	6,254
META PLATFORMS INC	CL A	30303M102	794,244	6,600	SH		SOLE		0	0	6,600
ISHARES TR	CORE S&P TTL STK	464287150	1,173,208	13,835	SH		SOLE		0	0	13,835
ISHARES TR	RUS 1000 VAL ETF	464287598	974,655	6,427	SH		SOLE		0	0	6,427
ISHARES TR	RUS 2000 VAL ETF	464287630	890,955	6,425	SH		SOLE		0	0	6,425
ISHARES TR	RUSSELL 2000 ETF	464287655	803,458	4,608	SH		SOLE		0	0	4,608
ISHARES TR	CORE S&P SCP ETF	464287804	351,020	3,709	SH		SOLE		0	0	3,709
ISHARES TR	EAFE SML CP ETF	464288273	568,470	10,065	SH		SOLE		0	0	10,065
ISHARES INC	CORE MSCI EMKT	46434G103	1,566,411	33,542	SH		SOLE		0	0	33,542
ISHARES TR	CORE MSCI INTL	46435G326	959,161	17,134	SH		SOLE		0	0	17,134
JPMORGAN CHASE & CO	COM	46625H100	1,004,870	7,493	SH		SOLE		0	0	7,493
LILLY ELI & CO	COM	532457108	1,900,173	5,194	SH		SOLE		0	0	5,194
MICROSOFT CORP	COM	594918104	2,489,623	10,381	SH		SOLE		0	0	10,381
OMEGA HEALTHCARE INVS INC	COM	681936100	586,975	21,001	SH		SOLE		0	0	21,001
PFIZER INC	COM	717081103	371,490	7,250	SH		SOLE		0	0	7,250
PROCTER AND GAMBLE CO	COM	742718109	210,224	1,387	SH		SOLE		0	0	1,387
QUALCOMM INC	COM	747525103	412,715	3,754	SH		SOLE		0	0	3,754
SPDR S&P 500 ETF TR	TR UNIT	78462F103	322,006	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	459,267	15,469	SH		SOLE		0	0	15,469
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	260,064	5,760	SH		SOLE		0	0	5,760
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,792,987	89,347	SH		SOLE		0	0	89,347
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,447,977	49,810	SH		SOLE		0	0	49,810
BLOCK INC	CL A	852234103	457,161	7,275	SH		SOLE		0	0	7,275
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	474,162	6,380	SH		SOLE		0	0	6,380
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	6,028,347	80,079	SH		SOLE		0	0	80,079
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	832,555	21,359	SH		SOLE		0	0	21,359
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,752,821	4,989	SH		SOLE		0	0	4,989
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,590,068	22,607	SH		SOLE		0	0	22,607
VANGUARD INDEX FDS	VALUE ETF	922908744	662,125	4,717	SH		SOLE		0	0	4,717
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,465,918	18,128	SH		SOLE		0	0	18,128
WALMART INC	COM	931142103	1,219,394	8,600	SH		SOLE		0	0	8,600