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	1,047,454	10,080	SH		SOLE		0	0	10,080
ABBVIE INC	COM	00287Y109	3,161,114	18,430	SH		SOLE		0	0	18,430
ALPHABET INC	CAP STK CL A	02079K305	259,199	1,423	SH		SOLE		0	0	1,423
AMAZON COM INC	COM	023135106	4,951,452	25,622	SH		SOLE		0	0	25,622
APPLE INC	COM	037833100	5,962,442	28,309	SH		SOLE		0	0	28,309
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	412,088	1,013	SH		SOLE		0	0	1,013
CHEVRON CORP NEW	COM	166764100	269,825	1,725	SH		SOLE		0	0	1,725
COCA COLA CO	COM	191216100	1,094,780	17,200	SH		SOLE		0	0	17,200
COSTCO WHSL CORP NEW	COM	22160K105	1,585,231	1,865	SH		SOLE		0	0	1,865
DBX ETF TR	XTRACKERS S&P	233051143	235,132	4,697	SH		SOLE		0	0	4,697
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	8,640,122	146,816	SH		SOLE		0	0	146,816
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	5,686,572	94,650	SH		SOLE		0	0	94,650
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	15,342,160	295,781	SH		SOLE		0	0	295,781
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	9,418,787	292,146	SH		SOLE		0	0	292,146
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,554,498	217,838	SH		SOLE		0	0	217,838
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	472,052	17,660	SH		SOLE		0	0	17,660
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	453,753	16,865	SH		SOLE		0	0	16,865
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,951,244	109,940	SH		SOLE		0	0	109,940
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,105,846	43,503	SH		SOLE		0	0	43,503
EXXON MOBIL CORP	COM	30231G102	725,716	6,304	SH		SOLE		0	0	6,304
META PLATFORMS INC	CL A	30303M102	3,327,852	6,600	SH		SOLE		0	0	6,600
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	361,564	2,108	SH		SOLE		0	0	2,108
FIRST TR EXCHANGE TRADED FD	TECH ALPHADEX	33734X176	221,423	1,625	SH		SOLE		0	0	1,625
ISHARES TR	CORE S&P TTL STK	464287150	2,535,240	21,344	SH		SOLE		0	0	21,344
ISHARES TR	RUS 1000 VAL ETF	464287598	1,410,939	8,087	SH		SOLE		0	0	8,087
ISHARES TR	RUS 2000 VAL ETF	464287630	741,701	4,870	SH		SOLE		0	0	4,870
ISHARES TR	RUSSELL 2000 ETF	464287655	859,767	4,238	SH		SOLE		0	0	4,238
ISHARES TR	CORE S&P SCP ETF	464287804	371,603	3,484	SH		SOLE		0	0	3,484
ISHARES TR	EAFE SML CP ETF	464288273	579,438	9,400	SH		SOLE		0	0	9,400
ISHARES INC	CORE MSCI EMKT	46434G103	2,413,293	45,083	SH		SOLE		0	0	45,083
ISHARES TR	CORE MSCI INTL	46435G326	1,542,999	23,507	SH		SOLE		0	0	23,507
JPMORGAN CHASE & CO.	COM	46625H100	1,479,215	7,313	SH		SOLE		0	0	7,313
ELI LILLY & CO	COM	532457108	3,380,689	3,734	SH		SOLE		0	0	3,734
MICROSOFT CORP	COM	594918104	4,619,228	10,335	SH		SOLE		0	0	10,335
NVIDIA CORPORATION	COM	67066G104	1,594,901	12,910	SH		SOLE		0	0	12,910
OMEGA HEALTHCARE INVS INC	COM	681936100	996,363	29,091	SH		SOLE		0	0	29,091
PROCTER AND GAMBLE CO	COM	742718109	218,035	1,322	SH		SOLE		0	0	1,322
QUALCOMM INC	COM	747525103	775,607	3,894	SH		SOLE		0	0	3,894
REVANCE THERAPEUTICS INC	COM	761330109	123,360	48,000	SH		SOLE		0	0	48,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	458,233	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	490,827	13,992	SH		SOLE		0	0	13,992
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	373,293	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	3,598,355	103,520	SH		SOLE		0	0	103,520
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524755	1,704,665	48,663	SH		SOLE		0	0	48,663
BLOCK INC	CL A	852234103	469,165	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	227,562	1,150	SH		SOLE		0	0	1,150
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	268,650	855	SH		SOLE		0	0	855
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	346,257	2,922	SH		SOLE		0	0	2,922
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	297,688	3,975	SH		SOLE		0	0	3,975
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	6,996,344	91,217	SH		SOLE		0	0	91,217
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	839,459	19,183	SH		SOLE		0	0	19,183
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,660,095	7,318	SH		SOLE		0	0	7,318
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	3,762,004	20,611	SH		SOLE		0	0	20,611
VANGUARD INDEX FDS	VALUE ETF	922908744	751,040	4,682	SH		SOLE		0	0	4,682
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,318,343	16,143	SH		SOLE		0	0	16,143
WALMART INC	COM	931142103	1,990,674	29,400	SH		SOLE		0	0	29,400