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	1,086,560	10,730	SH		SOLE		0	0	10,730
ABBVIE INC	COM	00287Y109	3,079,825	19,325	SH		SOLE		0	0	19,325
AMAZON COM INC	COM	023135106	2,669,737	25,847	SH		SOLE		0	0	25,847
APPLE INC	COM	037833100	5,831,524	35,364	SH		SOLE		0	0	35,364
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	312,784	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	277,372	1,700	SH		SOLE		0	0	1,700
COCA COLA CO	COM	191216100	1,090,487	17,580	SH		SOLE		0	0	17,580
COSTCO WHSL CORP NEW	COM	22160K105	926,663	1,865	SH		SOLE		0	0	1,865
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	6,750,694	151,940	SH		SOLE		0	0	151,940
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,205,706	98,780	SH		SOLE		0	0	98,780
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	13,057,769	293,433	SH		SOLE		0	0	293,433
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	7,263,150	285,053	SH		SOLE		0	0	285,053
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,301,801	247,963	SH		SOLE		0	0	247,963
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	303,633	12,755	SH		SOLE		0	0	12,755
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,184,388	98,802	SH		SOLE		0	0	98,802
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,095,327	47,499	SH		SOLE		0	0	47,499
EXXON MOBIL CORP	COM	30231G102	685,814	6,254	SH		SOLE		0	0	6,254
META PLATFORMS INC	CL A	30303M102	1,398,804	6,600	SH		SOLE		0	0	6,600
ISHARES TR	CORE S&P TTL STK	464287150	1,394,923	15,405	SH		SOLE		0	0	15,405
ISHARES TR	RUS 1000 VAL ETF	464287598	1,051,203	6,904	SH		SOLE		0	0	6,904
ISHARES TR	RUS 2000 VAL ETF	464287630	798,142	5,825	SH		SOLE		0	0	5,825
ISHARES TR	RUSSELL 2000 ETF	464287655	800,872	4,489	SH		SOLE		0	0	4,489
ISHARES TR	CORE S&P SCP ETF	464287804	358,660	3,709	SH		SOLE		0	0	3,709
ISHARES TR	EAFE SML CP ETF	464288273	587,064	9,865	SH		SOLE		0	0	9,865
ISHARES INC	CORE MSCI EMKT	46434G103	1,682,279	34,480	SH		SOLE		0	0	34,480
ISHARES TR	CORE MSCI INTL	46435G326	1,063,425	17,586	SH		SOLE		0	0	17,586
JPMORGAN CHASE & CO	COM	46625H100	976,469	7,493	SH		SOLE		0	0	7,493
LILLY ELI & CO	COM	532457108	1,732,210	5,044	SH		SOLE		0	0	5,044
MICROSOFT CORP	COM	594918104	2,992,904	10,381	SH		SOLE		0	0	10,381
NVIDIA CORPORATION	COM	67066G104	330,824	1,191	SH		SOLE		0	0	1,191
OMEGA HEALTHCARE INVS INC	COM	681936100	575,634	21,001	SH		SOLE		0	0	21,001
PFIZER INC	COM	717081103	295,800	7,250	SH		SOLE		0	0	7,250
PROCTER AND GAMBLE CO	COM	742718109	206,243	1,387	SH		SOLE		0	0	1,387
QUALCOMM INC	COM	747525103	478,935	3,754	SH		SOLE		0	0	3,754
REVANCE THERAPEUTICS INC	COM	761330109	644,200	20,000	SH		SOLE		0	0	20,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	344,706	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	497,016	15,474	SH		SOLE		0	0	15,474
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	281,030	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,002,804	90,637	SH		SOLE		0	0	90,637
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,558,340	49,835	SH		SOLE		0	0	49,835
BLOCK INC	CL A	852234103	499,429	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	252,064	1,215	SH		SOLE		0	0	1,215
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	338,040	4,405	SH		SOLE		0	0	4,405
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	5,917,955	77,369	SH		SOLE		0	0	77,369
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	855,631	21,179	SH		SOLE		0	0	21,179
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,966,481	5,229	SH		SOLE		0	0	5,229
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,543,285	22,318	SH		SOLE		0	0	22,318
VANGUARD INDEX FDS	VALUE ETF	922908744	651,465	4,717	SH		SOLE		0	0	4,717
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,677,742	18,019	SH		SOLE		0	0	18,019
WALMART INC	COM	931142103	1,268,070	8,600	SH		SOLE		0	0	8,600