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	1,115,318	10,230	SH		SOLE		0	0	10,230
ABBVIE INC	COM	00287Y109	2,563,238	19,025	SH		SOLE		0	0	19,025
AMAZON COM INC	COM	023135106	3,366,156	25,822	SH		SOLE		0	0	25,822
APPLE INC	COM	037833100	6,861,495	35,374	SH		SOLE		0	0	35,374
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	345,433	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	267,495	1,700	SH		SOLE		0	0	1,700
COCA COLA CO	COM	191216100	1,058,668	17,580	SH		SOLE		0	0	17,580
COSTCO WHSL CORP NEW	COM	22160K105	1,004,079	1,865	SH		SOLE		0	0	1,865
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	7,164,474	148,764	SH		SOLE		0	0	148,764
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,413,637	98,789	SH		SOLE		0	0	98,789
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	13,976,889	301,291	SH		SOLE		0	0	301,291
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	7,815,888	287,878	SH		SOLE		0	0	287,878
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,440,184	244,643	SH		SOLE		0	0	244,643
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	209,836	8,725	SH		SOLE		0	0	8,725
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	308,514	13,045	SH		SOLE		0	0	13,045
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,309,703	100,752	SH		SOLE		0	0	100,752
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,054,171	45,224	SH		SOLE		0	0	45,224
EXXON MOBIL CORP	COM	30231G102	670,742	6,254	SH		SOLE		0	0	6,254
META PLATFORMS INC	CL A	30303M102	1,894,068	6,600	SH		SOLE		0	0	6,600
ISHARES TR	CORE S&P TTL STK	464287150	1,612,892	16,485	SH		SOLE		0	0	16,485
ISHARES TR	RUS 1000 VAL ETF	464287598	1,079,084	6,837	SH		SOLE		0	0	6,837
ISHARES TR	RUS 2000 VAL ETF	464287630	721,600	5,125	SH		SOLE		0	0	5,125
ISHARES TR	RUSSELL 2000 ETF	464287655	835,281	4,460	SH		SOLE		0	0	4,460
ISHARES TR	CORE S&P SCP ETF	464287804	369,602	3,709	SH		SOLE		0	0	3,709
ISHARES TR	EAFE SML CP ETF	464288273	572,534	9,707	SH		SOLE		0	0	9,707
ISHARES INC	CORE MSCI EMKT	46434G103	1,765,568	35,820	SH		SOLE		0	0	35,820
ISHARES TR	CORE MSCI INTL	46435G326	1,130,476	18,496	SH		SOLE		0	0	18,496
JPMORGAN CHASE & CO	COM	46625H100	1,089,845	7,493	SH		SOLE		0	0	7,493
LILLY ELI & CO	COM	532457108	2,192,013	4,674	SH		SOLE		0	0	4,674
MICROSOFT CORP	COM	594918104	3,535,219	10,381	SH		SOLE		0	0	10,381
NVIDIA CORPORATION	COM	67066G104	503,817	1,191	SH		SOLE		0	0	1,191
OMEGA HEALTHCARE INVS INC	COM	681936100	647,279	21,091	SH		SOLE		0	0	21,091
PFIZER INC	COM	717081103	264,830	7,220	SH		SOLE		0	0	7,220
PROCTER AND GAMBLE CO	COM	742718109	210,474	1,387	SH		SOLE		0	0	1,387
QUALCOMM INC	COM	747525103	446,876	3,754	SH		SOLE		0	0	3,754
REVANCE THERAPEUTICS INC	COM	761330109	506,200	20,000	SH		SOLE		0	0	20,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	373,242	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	486,107	14,939	SH		SOLE		0	0	14,939
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	304,270	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,093,142	93,195	SH		SOLE		0	0	93,195
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,573,589	48,733	SH		SOLE		0	0	48,733
BLOCK INC	CL A	852234103	484,297	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	318,051	1,215	SH		SOLE		0	0	1,215
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	201,199	855	SH		SOLE		0	0	855
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	331,388	4,405	SH		SOLE		0	0	4,405
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	5,760,097	76,222	SH		SOLE		0	0	76,222
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	865,165	21,268	SH		SOLE		0	0	21,268
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,219,281	5,449	SH		SOLE		0	0	5,449
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,444,200	20,823	SH		SOLE		0	0	20,823
VANGUARD INDEX FDS	VALUE ETF	922908744	658,918	4,637	SH		SOLE		0	0	4,637
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,768,600	17,108	SH		SOLE		0	0	17,108
WALMART INC	COM	931142103	1,351,748	8,600	SH		SOLE		0	0	8,600