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
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	374,834	2,922	SH		SOLE		0	0	2,922
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	291,928	3,725	SH		SOLE		0	0	3,725
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	7,604,366	96,637	SH		SOLE		0	0	96,637
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	918,013	19,185	SH		SOLE		0	0	19,185
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,874,337	7,342	SH		SOLE		0	0	7,342
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	4,133,709	20,588	SH		SOLE		0	0	20,588
VANGUARD INDEX FDS	VALUE ETF	922908744	777,709	4,455	SH		SOLE		0	0	4,455
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,521,636	15,968	SH		SOLE		0	0	15,968
WALMART INC	COM	931142103	2,374,050	29,400	SH		SOLE		0	0	29,400
ABBOTT LABS	COM	002824100	1,141,651	10,014	SH		SOLE		0	0	10,014
ABBVIE INC	COM	00287Y109	3,590,186	18,180	SH		SOLE		0	0	18,180
ALPHABET INC	CAP STK CL A	02079K305	236,005	1,423	SH		SOLE		0	0	1,423
AMAZON COM INC	COM	023135106	4,774,147	25,622	SH		SOLE		0	0	25,622
APPLE INC	COM	037833100	6,591,337	28,289	SH		SOLE		0	0	28,289
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	567,501	1,233	SH		SOLE		0	0	1,233
CHEVRON CORP NEW	COM	166764100	254,041	1,725	SH		SOLE		0	0	1,725
COCA COLA CO	COM	191216100	1,230,962	17,130	SH		SOLE		0	0	17,130
COSTCO WHSL CORP NEW	COM	22160K105	1,653,360	1,865	SH		SOLE		0	0	1,865
CROWDSTRIKE HLDGS INC	CL A	22788C105	981,645	3,500	SH		SOLE		0	0	3,500
DBX ETF TR	XTRACKERS S&P	233051143	246,968	4,697	SH		SOLE		0	0	4,697
DIMENSIONAL ETF TRUST	US EQUITY MARKET	25434V401	9,113,295	146,516	SH		SOLE		0	0	146,516
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	6,117,920	94,325	SH		SOLE		0	0	94,325
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	16,318,671	293,343	SH		SOLE		0	0	293,343
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	9,978,321	290,998	SH		SOLE		0	0	290,998
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	8,829,159	211,781	SH		SOLE		0	0	211,781
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	514,019	18,260	SH		SOLE		0	0	18,260
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	537,901	18,510	SH		SOLE		0	0	18,510
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	4,250,947	111,632	SH		SOLE		0	0	111,632
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	1,166,913	43,203	SH		SOLE		0	0	43,203
EXXON MOBIL CORP	COM	30231G102	619,390	5,284	SH		SOLE		0	0	5,284
META PLATFORMS INC	CL A	30303M102	3,778,104	6,600	SH		SOLE		0	0	6,600
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	367,846	2,108	SH		SOLE		0	0	2,108
FIRST TR EXCHANGE TRADED FD	TECH ALPHADEX	33734X176	225,298	1,625	SH		SOLE		0	0	1,625
ISHARES TR	CORE S&P TTL STK	464287150	2,656,737	21,149	SH		SOLE		0	0	21,149
ISHARES TR	RUS 1000 VAL ETF	464287598	1,590,904	8,382	SH		SOLE		0	0	8,382
ISHARES TR	RUS 2000 VAL ETF	464287630	812,413	4,870	SH		SOLE		0	0	4,870
ISHARES TR	RUSSELL 2000 ETF	464287655	917,948	4,156	SH		SOLE		0	0	4,156
ISHARES TR	CORE S&P SCP ETF	464287804	407,489	3,484	SH		SOLE		0	0	3,484
ISHARES TR	EAFE SML CP ETF	464288273	636,404	9,400	SH		SOLE		0	0	9,400
ISHARES INC	CORE MSCI EMKT	46434G103	2,667,383	46,462	SH		SOLE		0	0	46,462
ISHARES TR	CORE MSCI INTL	46435G326	1,692,979	23,902	SH		SOLE		0	0	23,902
JPMORGAN CHASE & CO.	COM	46625H100	1,534,520	7,277	SH		SOLE		0	0	7,277
ELI LILLY & CO	COM	532457108	3,281,522	3,704	SH		SOLE		0	0	3,704
MERCK & CO INC	COM	58933Y105	329,324	2,900	SH		SOLE		0	0	2,900
MICROSOFT CORP	COM	594918104	4,453,605	10,350	SH		SOLE		0	0	10,350
NVIDIA CORPORATION	COM	67066G104	1,827,065	15,045	SH		SOLE		0	0	15,045
OMEGA HEALTHCARE INVS INC	COM	681936100	1,183,999	29,091	SH		SOLE		0	0	29,091
PFIZER INC	COM	717081103	206,053	7,120	SH		SOLE		0	0	7,120
QUALCOMM INC	COM	747525103	662,175	3,894	SH		SOLE		0	0	3,894
REVANCE THERAPEUTICS INC	COM	761330109	249,120	48,000	SH		SOLE		0	0	48,000
SPDR S&P 500 ETF TR	TR UNIT	78462F103	483,106	842	SH		SOLE		0	0	842
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	512,568	13,647	SH		SOLE		0	0	13,647
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	394,209	5,810	SH		SOLE		0	0	5,810
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	3,977,901	104,270	SH		SOLE		0	0	104,270
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524755	1,818,536	48,663	SH		SOLE		0	0	48,663
BLOCK INC	CL A	852234103	488,371	7,275	SH		SOLE		0	0	7,275
TESLA INC	COM	88160R101	300,875	1,150	SH		SOLE		0	0	1,150
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	275,267	855	SH		SOLE		0	0	855