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	1,126,060	10,230	SH		SOLE		0	0	10,230
ABBVIE INC	COM	00287Y109	2,933,582	18,930	SH		SOLE		0	0	18,930
AMAZON COM INC	COM	023135106	3,893,007	25,622	SH		SOLE		0	0	25,622
APPLE INC	COM	037833100	6,798,042	35,309	SH		SOLE		0	0	35,309
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	361,297	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	253,572	1,700	SH		SOLE		0	0	1,700
COCA COLA CO	COM	191216100	1,013,596	17,200	SH		SOLE		0	0	17,200
COSTCO WHSL CORP NEW	COM	22160K105	1,231,049	1,865	SH		SOLE		0	0	1,865
DBX ETF TR	XTRACKERS S&P	233051143	204,507	4,697	SH		SOLE		0	0	4,697
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	7,659,593	147,783	SH		SOLE		0	0	147,783
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,962,179	100,003	SH		SOLE		0	0	100,003
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	15,768,233	301,323	SH		SOLE		0	0	301,323
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	8,629,134	295,215	SH		SOLE		0	0	295,215
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,756,340	235,259	SH		SOLE		0	0	235,259
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	348,317	13,955	SH		SOLE		0	0	13,955
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	366,276	14,205	SH		SOLE		0	0	14,205
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,588,593	104,441	SH		SOLE		0	0	104,441
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,086,226	44,481	SH		SOLE		0	0	44,481
EXXON MOBIL CORP	COM	30231G102	625,275	6,254	SH		SOLE		0	0	6,254
META PLATFORMS INC	CL A	30303M102	2,336,136	6,600	SH		SOLE		0	0	6,600
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	302,793	2,108	SH		SOLE		0	0	2,108
FIRST TR EXCHANGE TRADED FD	TECH ALPHADEX	33734X176	208,114	1,625	SH		SOLE		0	0	1,625
ISHARES TR	CORE S&P TTL STK	464287150	1,952,437	18,554	SH		SOLE		0	0	18,554
ISHARES TR	RUS 1000 VAL ETF	464287598	1,164,187	7,045	SH		SOLE		0	0	7,045
ISHARES TR	RUS 2000 VAL ETF	464287630	755,680	4,865	SH		SOLE		0	0	4,865
ISHARES TR	RUSSELL 2000 ETF	464287655	878,405	4,376	SH		SOLE		0	0	4,376
ISHARES TR	CORE S&P SCP ETF	464287804	385,262	3,559	SH		SOLE		0	0	3,559
ISHARES TR	EAFE SML CP ETF	464288273	581,756	9,398	SH		SOLE		0	0	9,398
ISHARES INC	CORE MSCI EMKT	46434G103	2,061,388	40,755	SH		SOLE		0	0	40,755
ISHARES TR	CORE MSCI INTL	46435G326	1,317,062	20,689	SH		SOLE		0	0	20,689
JPMORGAN CHASE & CO	COM	46625H100	1,274,633	7,493	SH		SOLE		0	0	7,493
ELI LILLY & CO	COM	532457108	2,456,425	4,214	SH		SOLE		0	0	4,214
MICROSOFT CORP	COM	594918104	3,886,373	10,335	SH		SOLE		0	0	10,335
NVIDIA CORPORATION	COM	67066G104	589,807	1,191	SH		SOLE		0	0	1,191
OMEGA HEALTHCARE INVS INC	COM	681936100	799,947	26,091	SH		SOLE		0	0	26,091
PFIZER INC	COM	717081103	207,864	7,220	SH		SOLE		0	0	7,220
QUALCOMM INC	COM	747525103	542,941	3,754	SH		SOLE		0	0	3,754
REVANCE THERAPEUTICS INC	COM	761330109	290,070	33,000	SH		SOLE		0	0	33,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	400,211	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	486,060	14,292	SH		SOLE		0	0	14,292
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	327,684	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,432,560	98,467	SH		SOLE		0	0	98,467
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,638,705	48,583	SH		SOLE		0	0	48,583
BLOCK INC	CL A	852234103	562,721	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	287,740	1,158	SH		SOLE		0	0	1,158
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	221,881	855	SH		SOLE		0	0	855
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	319,579	2,922	SH		SOLE		0	0	2,922
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	342,946	4,490	SH		SOLE		0	0	4,490
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	6,159,829	79,977	SH		SOLE		0	0	79,977
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	790,149	19,225	SH		SOLE		0	0	19,225
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,761,987	6,323	SH		SOLE		0	0	6,323
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,733,759	20,747	SH		SOLE		0	0	20,747
VANGUARD INDEX FDS	VALUE ETF	922908744	698,464	4,672	SH		SOLE		0	0	4,672
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,001,894	16,870	SH		SOLE		0	0	16,870
WALMART INC	COM	931142103	1,544,970	9,800	SH		SOLE		0	0	9,800