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	1,145,738	10,080	SH		SOLE		0	0	10,080
ABBVIE INC	COM	00287Y109	3,356,103	18,430	SH		SOLE		0	0	18,430
ALPHABET INC	CAP STK CL A	02079K305	214,773	1,423	SH		SOLE		0	0	1,423
AMAZON COM INC	COM	023135106	4,621,696	25,622	SH		SOLE		0	0	25,622
APPLE INC	COM	037833100	6,054,787	35,309	SH		SOLE		0	0	35,309
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	425,987	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	272,102	1,725	SH		SOLE		0	0	1,725
COCA COLA CO	COM	191216100	1,052,296	17,200	SH		SOLE		0	0	17,200
COSTCO WHSL CORP NEW	COM	22160K105	1,366,355	1,865	SH		SOLE		0	0	1,865
DBX ETF TR	XTRACKERS S&P	233051143	224,658	4,697	SH		SOLE		0	0	4,697
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	8,392,185	147,283	SH		SOLE		0	0	147,283
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,899,858	94,640	SH		SOLE		0	0	94,640
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	16,241,096	298,385	SH		SOLE		0	0	298,385
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	9,361,861	293,016	SH		SOLE		0	0	293,016
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	9,229,617	225,663	SH		SOLE		0	0	225,663
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	439,957	17,260	SH		SOLE		0	0	17,260
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	439,119	16,150	SH		SOLE		0	0	16,150
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,966,023	107,919	SH		SOLE		0	0	107,919
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,106,716	43,503	SH		SOLE		0	0	43,503
EXXON MOBIL CORP	COM	30231G102	732,777	6,304	SH		SOLE		0	0	6,304
META PLATFORMS INC	CL A	30303M102	3,204,828	6,600	SH		SOLE		0	0	6,600
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	328,511	2,108	SH		SOLE		0	0	2,108
FIRST TR EXCHANGE TRADED FD	TECH ALPHADEX	33734X176	219,083	1,625	SH		SOLE		0	0	1,625
ISHARES TR	CORE S&P TTL STK	464287150	2,313,033	20,061	SH		SOLE		0	0	20,061
ISHARES TR	RUS 1000 VAL ETF	464287598	1,384,879	7,732	SH		SOLE		0	0	7,732
ISHARES TR	RUS 2000 VAL ETF	464287630	773,405	4,870	SH		SOLE		0	0	4,870
ISHARES TR	RUSSELL 2000 ETF	464287655	891,155	4,238	SH		SOLE		0	0	4,238
ISHARES TR	CORE S&P SCP ETF	464287804	385,052	3,484	SH		SOLE		0	0	3,484
ISHARES TR	EAFE SML CP ETF	464288273	595,195	9,398	SH		SOLE		0	0	9,398
ISHARES INC	CORE MSCI EMKT	46434G103	2,216,633	42,958	SH		SOLE		0	0	42,958
ISHARES TR	CORE MSCI INTL	46435G326	1,491,092	22,212	SH		SOLE		0	0	22,212
JPMORGAN CHASE & CO	COM	46625H100	1,464,881	7,313	SH		SOLE		0	0	7,313
ELI LILLY & CO	COM	532457108	3,021,597	3,884	SH		SOLE		0	0	3,884
MICROSOFT CORP	COM	594918104	4,348,141	10,335	SH		SOLE		0	0	10,335
NVIDIA CORPORATION	COM	67066G104	985,784	1,091	SH		SOLE		0	0	1,091
OMEGA HEALTHCARE INVS INC	COM	681936100	921,309	29,091	SH		SOLE		0	0	29,091
PROCTER AND GAMBLE CO	COM	742718109	214,505	1,322	SH		SOLE		0	0	1,322
QUALCOMM INC	COM	747525103	659,254	3,894	SH		SOLE		0	0	3,894
REVANCE THERAPEUTICS INC	COM	761330109	162,360	33,000	SH		SOLE		0	0	33,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	440,425	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	499,132	13,927	SH		SOLE		0	0	13,927
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	360,569	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,604,887	101,632	SH		SOLE		0	0	101,632
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,732,177	48,643	SH		SOLE		0	0	48,643
BLOCK INC	CL A	852234103	615,320	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	203,565	1,158	SH		SOLE		0	0	1,158
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	245,052	855	SH		SOLE		0	0	855
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	349,208	2,922	SH		SOLE		0	0	2,922
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	289,536	3,840	SH		SOLE		0	0	3,840
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	6,524,770	85,102	SH		SOLE		0	0	85,102
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	801,176	19,181	SH		SOLE		0	0	19,181
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,358,308	6,986	SH		SOLE		0	0	6,986
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,937,658	20,521	SH		SOLE		0	0	20,521
VANGUARD INDEX FDS	VALUE ETF	922908744	762,511	4,682	SH		SOLE		0	0	4,682
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,229,806	16,275	SH		SOLE		0	0	16,275
WALMART INC	COM	931142103	1,768,998	29,400	SH		SOLE		0	0	29,400