Werba Rubin Papier 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
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	250,764	346	SH		SOLE		0	0	346
AT&T INC	COM	00206R102	312,753	19,608	SH		SOLE		0	0	19,608
ABBVIE INC	COM	00287Y109	315,672	2,343	SH		SOLE		0	0	2,343
ADOBE SYSTEMS INCORPORATED	COM	00724F101	365,765	748	SH		SOLE		0	0	748
ALPHABET INC	CAP STK CL C	02079K107	724,945	5,993	SH		SOLE		0	0	5,993
ALPHABET INC	CAP STK CL A	02079K305	679,657	5,678	SH		SOLE		0	0	5,678
AMAZON COM INC	COM	023135106	1,993,907	15,295	SH		SOLE		0	0	15,295
AMBEV SA	SPONSORED ADR	02319V103	79,983	25,152	SH		SOLE		0	0	25,152
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	590,196	9,834	SH		SOLE		0	0	9,834
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	786,112	14,735	SH		SOLE		0	0	14,735
AMERICAN CENTY ETF TR	REAL ESTATE ETF	025072356	217,432	5,311	SH		SOLE		0	0	5,311
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	371,874	7,647	SH		SOLE		0	0	7,647
AMERICAN CENTY ETF TR	AVANTIS CORE FI	025072562	280,560	6,785	SH		SOLE		0	0	6,785
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	8,949,837	166,323	SH		SOLE		0	0	166,323
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	41,262,963	718,867	SH		SOLE		0	0	718,867
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	16,198,044	281,411	SH		SOLE		0	0	281,411
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	36,926,240	475,792	SH		SOLE		0	0	475,792
AMERICAN CENTY ETF TR	US EQT ETF	025072885	43,246,796	575,167	SH		SOLE		0	0	575,167
ANALOG DEVICES INC	COM	032654105	204,551	1,050	SH		SOLE		0	0	1,050
APPLE INC	COM	037833100	18,837,342	97,115	SH		SOLE		0	0	97,115
AQUA METALS INC	COM	03837J101	23,400	20,000	SH		SOLE		0	0	20,000
BANCO BILBAO VIZCAYA ARGENTA	SPONSORED ADR	05946K101	78,435	10,213	SH		SOLE		0	0	10,213
BANK AMERICA CORP	COM	060505104	436,652	15,220	SH		SOLE		0	0	15,220
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	373,736	1,096	SH		SOLE		0	0	1,096
BRANDYWINE RLTY TR	SH BEN INT NEW	105368203	81,896	17,612	SH		SOLE		0	0	17,612
BROADCOM INC	COM	11135F101	260,229	300	SH		SOLE		0	0	300
CHEVRON CORP NEW	COM	166764100	367,801	2,337	SH		SOLE		0	0	2,337
CISCO SYS INC	COM	17275R102	383,634	7,415	SH		SOLE		0	0	7,415
COMCAST CORP NEW	CL A	20030N101	318,522	7,666	SH		SOLE		0	0	7,666
CONOCOPHILLIPS	COM	20825C104	305,028	2,944	SH		SOLE		0	0	2,944
COSTCO WHSL CORP NEW	COM	22160K105	348,455	647	SH		SOLE		0	0	647
DANAHER CORPORATION	COM	235851102	266,160	1,109	SH		SOLE		0	0	1,109
DEERE & CO	COM	244199105	219,711	542	SH		SOLE		0	0	542
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	2,834,654	103,757	SH		SOLE		0	0	103,757
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	1,114,474	47,505	SH		SOLE		0	0	47,505
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	1,890,377	39,252	SH		SOLE		0	0	39,252
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	836,456	15,264	SH		SOLE		0	0	15,264
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	1,897,398	40,901	SH		SOLE		0	0	40,901
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	2,667,809	98,262	SH		SOLE		0	0	98,262
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	13,233,075	383,567	SH		SOLE		0	0	383,567
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	325,847	14,279	SH		SOLE		0	0	14,279
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	883,802	37,370	SH		SOLE		0	0	37,370
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	481,978	19,859	SH		SOLE		0	0	19,859
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	4,794,916	145,964	SH		SOLE		0	0	145,964
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	380,341	14,799	SH		SOLE		0	0	14,799
DISCOVER FINL SVCS	COM	254709108	234,518	2,007	SH		SOLE		0	0	2,007
ELANCO ANIMAL HEALTH INC	COM	28414H103	155,346	15,442	SH		SOLE		0	0	15,442
ENEL CHILE S.A.	SPONSORED ADR	29278D105	52,557	15,783	SH		SOLE		0	0	15,783
EXXON MOBIL CORP	COM	30231G102	1,024,140	9,549	SH		SOLE		0	0	9,549
META PLATFORMS INC	CL A	30303M102	1,155,880	4,028	SH		SOLE		0	0	4,028
FTC SOLAR INC	COM	30320C103	194,842	60,510	SH		SOLE		0	0	60,510
GLOBAL X FDS	US INFR DEV ETF	37954Y673	347,239	11,048	SH		SOLE		0	0	11,048
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	279,182	16,618	SH		SOLE		0	0	16,618
HOME DEPOT INC	COM	437076102	308,466	993	SH		SOLE		0	0	993
INTEL CORP	COM	458140100	520,595	15,568	SH		SOLE		0	0	15,568
INVESCO QQQ TR	UNIT SER 1	46090E103	428,527	1,160	SH		SOLE		0	0	1,160
INVESCO EXCH TRD SLF IDX FD	INVSCO BLSH 26	46138J635	230,599	10,114	SH		SOLE		0	0	10,114
INVESCO EXCH TRD SLF IDX FD	BULSHS 2025 HY	46138J817	1,510,174	66,970	SH		SOLE		0	0	66,970
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 HY	46138J833	4,630,281	205,973	SH		SOLE		0	0	205,973
INVESCO EXCH TRD SLF IDX FD	BULSHS 2023 HY	46138J858	4,732,863	201,313	SH		SOLE		0	0	201,313
ISHARES GOLD TR	ISHARES NEW	464285204	408,805	11,234	SH		SOLE		0	0	11,234
ISHARES TR	TIPS BD ETF	464287176	734,399	6,824	SH		SOLE		0	0	6,824
ISHARES TR	CORE S&P500 ETF	464287200	1,735,051	3,893	SH		SOLE		0	0	3,893
ISHARES TR	ISHARES SEMICDTR	464287523	977,490	1,927	SH		SOLE		0	0	1,927
ISHARES TR	ISHARES BIOTECH	464287556	249,476	1,965	SH		SOLE		0	0	1,965
ISHARES TR	RUS 1000 ETF	464287622	229,359	941	SH		SOLE		0	0	941
ISHARES TR	CORE S&P SCP ETF	464287804	274,120	2,751	SH		SOLE		0	0	2,751
ISHARES TR	EAFE SML CP ETF	464288273	201,004	3,408	SH		SOLE		0	0	3,408
ISHARES TR	RUS TP200 GR ETF	464289438	796,605	5,024	SH		SOLE		0	0	5,024
ISHARES TR	0-5 YR TIPS ETF	46429B747	967,118	9,909	SH		SOLE		0	0	9,909
ISHARES INC	MSCI EMRG CHN	46434G764	760,884	14,638	SH		SOLE		0	0	14,638
ISHARES TR	IBONDS DEC23 ETF	46434VAX8	1,511,206	59,755	SH		SOLE		0	0	59,755
ISHARES TR	IBONDS 23 TRM HG	46435U150	3,900,275	165,056	SH		SOLE		0	0	165,056
ISHARES TR	IBONDS 25 TRM HG	46435U168	835,475	36,325	SH		SOLE		0	0	36,325
ISHARES TR	IBONDS 24 TRM HG	46435U184	2,829,014	122,575	SH		SOLE		0	0	122,575
ISHARES TR	US INFRASTRUC	46435U713	640,363	16,386	SH		SOLE		0	0	16,386
JPMORGAN CHASE & CO	COM	46625H100	816,209	5,612	SH		SOLE		0	0	5,612
JOHNSON & JOHNSON	COM	478160104	1,038,141	6,272	SH		SOLE		0	0	6,272
KLA CORP	COM NEW	482480100	6,888,739	14,203	SH		SOLE		0	0	14,203
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	69,344	31,520	SH		SOLE		0	0	31,520
MARQETA INC	CLASS A COM	57142B104	2,406,072	494,060	SH		SOLE		0	0	494,060
MARRIOTT INTL INC NEW	CL A	571903202	278,474	1,516	SH		SOLE		0	0	1,516
MASTERCARD INCORPORATED	CL A	57636Q104	341,724	869	SH		SOLE		0	0	869
MERCK & CO INC	COM	58933Y105	221,433	1,919	SH		SOLE		0	0	1,919
MICROSOFT CORP	COM	594918104	3,140,347	9,222	SH		SOLE		0	0	9,222
MIZUHO FINANCIAL GROUP INC	SPONSORED ADR	60687Y109	138,255	45,034	SH		SOLE		0	0	45,034
MORGAN STANLEY	COM NEW	617446448	202,483	2,371	SH		SOLE		0	0	2,371
NOVO-NORDISK A S	ADR	670100205	343,403	2,122	SH		SOLE		0	0	2,122
NVIDIA CORPORATION	COM	67066G104	628,938	1,487	SH		SOLE		0	0	1,487
ORACLE CORP	COM	68389X105	314,993	2,645	SH		SOLE		0	0	2,645
PEPSICO INC	COM	713448108	268,754	1,451	SH		SOLE		0	0	1,451
PORCH GROUP INC	COM	733245104	200,997	145,650	SH		SOLE		0	0	145,650
PUBLIC STORAGE	COM	74460D109	645,930	2,213	SH		SOLE		0	0	2,213
SPDR S&P 500 ETF TR	TR UNIT	78462F103	816,940	1,843	SH		SOLE		0	0	1,843
SPDR GOLD TR	GOLD SHS	78463V107	416,795	2,338	SH		SOLE		0	0	2,338
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	522,148	17,114	SH		SOLE		0	0	17,114
SPDR SER TR	S&P 600 SMCP VAL	78464A300	205,171	2,658	SH		SOLE		0	0	2,658
SALESFORCE INC	COM	79466L302	1,238,829	5,864	SH		SOLE		0	0	5,864
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	2,469,896	32,954	SH		SOLE		0	0	32,954
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	4,658,856	69,442	SH		SOLE		0	0	69,442
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	237,262	7,348	SH		SOLE		0	0	7,348
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	458,186	9,082	SH		SOLE		0	0	9,082
SCHWAB STRATEGIC TR	SCHWAB FDT US BM	808524789	313,491	5,525	SH		SOLE		0	0	5,525
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	220,745	6,192	SH		SOLE		0	0	6,192
SNOWFLAKE INC	CL A	833445109	31,676	24,180	SH		SOLE		0	0	24,180
SUMITOMO MITSUI FINL GROUP I	SPONSORED ADR	86562M209	170,013	19,769	SH		SOLE		0	0	19,769
TESLA INC	COM	88160R101	1,143,673	4,369	SH		SOLE		0	0	4,369
UNITEDHEALTH GROUP INC	COM	91324P102	301,301	627	SH		SOLE		0	0	627
VALVOLINE INC	COM	92047W101	238,864	6,368	SH		SOLE		0	0	6,368
VANGUARD STAR FDS	VG TL INTL STK F	921909768	446,733	7,966	SH		SOLE		0	0	7,966
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	647,881	8,612	SH		SOLE		0	0	8,612
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	205,349	2,825	SH		SOLE		0	0	2,825
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	565,009	2,308	SH		SOLE		0	0	2,308
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	270,835	2,451	SH		SOLE		0	0	2,451
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	941,818	17,310	SH		SOLE		0	0	17,310
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	396,742	9,753	SH		SOLE		0	0	9,753
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,378,390	8,295	SH		SOLE		0	0	8,295
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	437,353	5,234	SH		SOLE		0	0	5,234
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,934,753	17,743	SH		SOLE		0	0	17,743
VANGUARD INDEX FDS	GROWTH ETF	922908736	228,632	808	SH		SOLE		0	0	808
VANGUARD INDEX FDS	SMALL CP ETF	922908751	998,428	5,020	SH		SOLE		0	0	5,020
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,710,041	16,842	SH		SOLE		0	0	16,842
VERIZON COMMUNICATIONS INC	COM	92343V104	274,908	7,392	SH		SOLE		0	0	7,392
VISA INC	COM CL A	92826C839	991,127	4,174	SH		SOLE		0	0	4,174