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	990,814	10,230	SH		SOLE		0	0	10,230
ABBVIE INC	COM	00287Y109	2,835,867	19,025	SH		SOLE		0	0	19,025
AMAZON COM INC	COM	023135106	3,257,069	25,622	SH		SOLE		0	0	25,622
APPLE INC	COM	037833100	6,052,102	35,349	SH		SOLE		0	0	35,349
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	354,854	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	286,654	1,700	SH		SOLE		0	0	1,700
COCA COLA CO	COM	191216100	962,856	17,200	SH		SOLE		0	0	17,200
COSTCO WHSL CORP NEW	COM	22160K105	1,053,650	1,865	SH		SOLE		0	0	1,865
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	7,038,965	151,213	SH		SOLE		0	0	151,213
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,206,326	99,187	SH		SOLE		0	0	99,187
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	13,825,154	302,586	SH		SOLE		0	0	302,586
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	7,660,592	292,389	SH		SOLE		0	0	292,389
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,085,329	237,664	SH		SOLE		0	0	237,664
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	211,538	9,075	SH		SOLE		0	0	9,075
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	316,869	13,325	SH		SOLE		0	0	13,325
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,365,144	103,162	SH		SOLE		0	0	103,162
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,001,712	44,481	SH		SOLE		0	0	44,481
EXXON MOBIL CORP	COM	30231G102	735,345	6,254	SH		SOLE		0	0	6,254
META PLATFORMS INC	CL A	30303M102	1,981,386	6,600	SH		SOLE		0	0	6,600
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	259,136	2,108	SH		SOLE		0	0	2,108
ISHARES TR	CORE S&P TTL STK	464287150	1,844,429	19,582	SH		SOLE		0	0	19,582
ISHARES TR	RUS 1000 VAL ETF	464287598	1,106,009	7,285	SH		SOLE		0	0	7,285
ISHARES TR	RUS 2000 VAL ETF	464287630	694,694	5,125	SH		SOLE		0	0	5,125
ISHARES TR	RUSSELL 2000 ETF	464287655	778,770	4,406	SH		SOLE		0	0	4,406
ISHARES TR	CORE S&P SCP ETF	464287804	354,586	3,759	SH		SOLE		0	0	3,759
ISHARES TR	EAFE SML CP ETF	464288273	540,782	9,576	SH		SOLE		0	0	9,576
ISHARES INC	CORE MSCI EMKT	46434G103	1,863,386	39,155	SH		SOLE		0	0	39,155
ISHARES TR	CORE MSCI INTL	46435G326	1,165,250	19,994	SH		SOLE		0	0	19,994
JPMORGAN CHASE & CO	COM	46625H100	1,086,698	7,493	SH		SOLE		0	0	7,493
ELI LILLY & CO	COM	532457108	2,317,179	4,314	SH		SOLE		0	0	4,314
MICROSOFT CORP	COM	594918104	3,263,276	10,335	SH		SOLE		0	0	10,335
NVIDIA CORPORATION	COM	67066G104	518,073	1,191	SH		SOLE		0	0	1,191
OMEGA HEALTHCARE INVS INC	COM	681936100	699,374	21,091	SH		SOLE		0	0	21,091
PFIZER INC	COM	717081103	239,487	7,220	SH		SOLE		0	0	7,220
PROCTER AND GAMBLE CO	COM	742718109	202,318	1,387	SH		SOLE		0	0	1,387
QUALCOMM INC	COM	747525103	416,919	3,754	SH		SOLE		0	0	3,754
REVANCE THERAPEUTICS INC	COM	761330109	321,160	28,000	SH		SOLE		0	0	28,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	359,938	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	464,802	14,989	SH		SOLE		0	0	14,989
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	293,986	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,099,967	96,452	SH		SOLE		0	0	96,452
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,538,624	48,583	SH		SOLE		0	0	48,583
BLOCK INC	CL A	852234103	321,992	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	304,017	1,215	SH		SOLE		0	0	1,215
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	296,291	2,922	SH		SOLE		0	0	2,922
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	318,526	4,405	SH		SOLE		0	0	4,405
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	5,817,932	77,397	SH		SOLE		0	0	77,397
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	838,227	21,378	SH		SOLE		0	0	21,378
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,197,587	5,596	SH		SOLE		0	0	5,596
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,321,289	20,824	SH		SOLE		0	0	20,824
VANGUARD INDEX FDS	VALUE ETF	922908744	639,581	4,637	SH		SOLE		0	0	4,637
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,604,394	16,969	SH		SOLE		0	0	16,969
WALMART INC	COM	931142103	1,375,398	8,600	SH		SOLE		0	0	8,600