ZRC 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

OMB APPROVAL

OMB Number:		3235-0006
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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
3M CO	COM	88579Y101	71,620	765	SH		SOLE		0	0	765
ABBOTT LABS	COM	002824100	83,098	858	SH		SOLE		0	0	858
ABBVIE INC	COM	00287Y109	221,206	1,484	SH		SOLE		0	0	1,484
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	15,356	50	SH		SOLE		0	0	50
ADOBE SYSTEMS INCORPORATED	COM	00724F101	479,864	941	SH		SOLE		0	0	941
ADVANCED MICRO DEVICES INC	COM	007903107	71,357	694	SH		SOLE		0	0	250
ADVISORSHARES TR	PURE US CANNABIS	00768Y453	2,301	290	SH		SOLE		0	0	290
AES CORP	COM	00130H105	8	0	SH		SOLE		0	0	0
AFLAC INC	COM	001055102	13	0	SH		SOLE		0	0	0
AGILENT TECHNOLOGIES INC	COM	00846U101	469,197	4,196	SH		SOLE		0	0	4,196
AIR PRODS & CHEMS INC	COM	009158106	81,336	287	SH		SOLE		0	0	287
AKERO THERAPEUTICS INC	COM	00973Y108	506	10	SH		SOLE		0	0	10
ALCON AG	ORD SHS	H01301128	28,513	370	SH		SOLE		0	0	370
ALIGOS THERAPEUTICS INC	COM	01626L105	75	100	SH		SOLE		0	0	100
ALPHABET INC	CAP STK CL A	02079K305	1,806,009	13,801	SH		SOLE		0	0	13,801
ALPHABET INC	CAP STK CL C	02079K107	2,142,199	16,247	SH		SOLE		0	0	16,247
ALPS ETF TR	ALERIAN MLP	00162Q452	87,360	2,070	SH		SOLE		0	0	2,070
ALTRIA GROUP INC	COM	02209S103	17,005	404	SH		SOLE		0	0	404
AMAZON COM INC	COM	023135106	326,783	2,571	SH		SOLE		0	0	2,571
AMEREN CORP	COM	023608102	45,347	606	SH		SOLE		0	0	606
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	3,111,782	58,946	SH		SOLE		0	0	58,869
AMERICAN CENTY ETF TR	AVANTIS RESPON U	025072281	47,687	962	SH		SOLE		0	0	962
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072299	21,747	443	SH		SOLE		0	0	443
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072315	21,007	468	SH		SOLE		0	0	468
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	7,317,387	131,489	SH		SOLE		0	0	131,319
AMERICAN CENTY ETF TR	US EQT ETF	025072885	2,283,499	31,170	SH		SOLE		0	0	31,038
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	828,545	15,728	SH		SOLE		0	0	15,728
AMGEN INC	COM	031162100	55,365	206	SH		SOLE		0	0	206
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	818	41	SH		SOLE		0	0	41
ANALOG DEVICES INC	COM	032654105	70,036	400	SH		SOLE		0	0	400
ANGLOGOLD ASHANTI LIMITED	SPONSORED ADR	035128206	1,580	100	SH		SOLE		0	0	100
AON PLC	SHS CL A	G0403H108	27,235	84	SH		SOLE		0	0	84
APPLE INC	COM	037833100	2,219,424	12,963	SH		SOLE		0	0	12,649
ARCHER DANIELS MIDLAND CO	COM	039483102	11	0	SH		SOLE		0	0	0
ARES CAPITAL CORP	COM	04010L103	38,298	1,967	SH		SOLE		0	0	1,967
ARES MANAGEMENT CORPORATION	CL A COM STK	03990B101	99,784	970	SH		SOLE		0	0	970
ASTRAZENECA PLC	SPONSORED ADR	046353108	1,897	28	SH		SOLE		0	0	28
ASYMMETRIC ETFS TRUST	SMART S&P 500	04651A101	4,740	186	SH		SOLE		0	0	186
AT&T INC	COM	00206R102	5,693	379	SH		SOLE		0	0	379
AUTODESK INC	COM	052769106	11	0	SH		SOLE		0	0	0
AVERY DENNISON CORP	COM	053611109	91,335	500	SH		SOLE		0	0	500
BAIDU INC	SPON ADR REP A	056752108	5,374	40	SH		SOLE		0	0	40
BALCHEM CORP	COM	057665200	82,859	668	SH		SOLE		0	0	668
BANK AMERICA CORP	COM	060505104	10,691	390	SH		SOLE		0	0	390
BATH & BODY WORKS INC	COM	070830104	7	0	SH		SOLE		0	0	0
BAXTER INTL INC	COM	071813109	7,284	193	SH		SOLE		0	0	193
BECTON DICKINSON & CO	COM	075887109	3,361	13	SH		SOLE		0	0	13
BIOGEN INC	COM	09062X103	7,711	30	SH		SOLE		0	0	30
BIOMARIN PHARMACEUTICAL INC	COM	09061G101	266	3	SH		SOLE		0	0	3
BIO-TECHNE CORP	COM	09073M104	93,393	1,372	SH		SOLE		0	0	1,372
BLACKROCK INC	COM	09247X101	14,870	23	SH		SOLE		0	0	23
BOEING CO	COM	097023105	46,597	243	SH		SOLE		0	0	243
BOSTON BEER INC	CL A	100557107	7,791	20	SH		SOLE		0	0	20
BRISTOL-MYERS SQUIBB CO	COM	110122108	39,410	679	SH		SOLE		0	0	679
BROADCOM INC	COM	11135F101	64,786	78	SH		SOLE		0	0	78
BRP GROUP INC	COM CL A	05589G102	15,611	672	SH		SOLE		0	0	672
CATERPILLAR INC	COM	149123101	27,733	102	SH		SOLE		0	0	102
CATHAY GEN BANCORP	COM	149150104	7,524	216	SH		SOLE		0	0	216
CHECK POINT SOFTWARE TECH LT	ORD	M22465104	39,318	295	SH		SOLE		0	0	295
CHEVRON CORP NEW	COM	166764100	199,327	1,182	SH		SOLE		0	0	1,182
CHIPOTLE MEXICAN GRILL INC	COM	169656105	38	0	SH		SOLE		0	0	0
CHURCH & DWIGHT CO INC	COM	171340102	10	0	SH		SOLE		0	0	0
CISCO SYS INC	COM	17275R102	57,213	1,064	SH		SOLE		0	0	644
CLOROX CO DEL	COM	189054109	19,243	147	SH		SOLE		0	0	147
CME GROUP INC	COM	12572Q105	5,006	25	SH		SOLE		0	0	25
COCA COLA CO	COM	191216100	8,425	150	SH		SOLE		0	0	150
COGNIZANT TECHNOLOGY SOLUTIO	CL A	192446102	11	0	SH		SOLE		0	0	0
COINBASE GLOBAL INC	COM CL A	19260Q107	5,406	72	SH		SOLE		0	0	72
COLGATE PALMOLIVE CO	COM	194162103	9	0	SH		SOLE		0	0	0
COMCAST CORP NEW	CL A	20030N101	101,007	2,278	SH		SOLE		0	0	2,278
CONCENTRIX CORP	COM	20602D101	179,046	2,235	SH		SOLE		0	0	2,235
CONOCOPHILLIPS	COM	20825C104	8,985	75	SH		SOLE		0	0	75
COSTCO WHSL CORP NEW	COM	22160K105	205,832	364	SH		SOLE		0	0	364
CROWDSTRIKE HLDGS INC	CL A	22788C105	16,738	100	SH		SOLE		0	0	100
CSX CORP	COM	126408103	145,571	4,734	SH		SOLE		0	0	4,734
CVS HEALTH CORP	COM	126650100	6,982	100	SH		SOLE		0	0	100
CYMABAY THERAPEUTICS INC	COM	23257D103	448	30	SH		SOLE		0	0	30
DANAHER CORPORATION	COM	235851102	79,144	319	SH		SOLE		0	0	319
DAVITA INC	COM	23918K108	17,678	187	SH		SOLE		0	0	187
DIMENSIONAL ETF TRUST	EMERGING MARKETS	25434V682	5,588	190	SH		SOLE		0	0	190
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	131,842	5,656	SH		SOLE		0	0	5,656
DIMENSIONAL ETF TRUST	GLOBAL SUSTAINA	25434V674	29,322	588	SH		SOLE		0	0	588
DIMENSIONAL ETF TRUST	INTERNATIONAL	25434V690	12,965	452	SH		SOLE		0	0	452
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	49,339	2,113	SH		SOLE		0	0	2,113
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	29,291	1,118	SH		SOLE		0	0	1,118
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	1,206,458	22,985	SH		SOLE		0	0	22,985
DIMENSIONAL ETF TRUST	US SUSTAINABILTY	25434V716	68,465	2,468	SH		SOLE		0	0	2,468
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	1,246,101	27,273	SH		SOLE		0	0	27,130
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	6,554	291	SH		SOLE		0	0	291
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	48,271	1,037	SH		SOLE		0	0	1,037
DIMENSIONAL ETF TRUST	INTERNATIONAL VALUE ETF	25434V807	10,699	328	SH		SOLE		0	0	328
DISNEY WALT CO	COM	254687106	35,554	439	SH		SOLE		0	0	439
DOCUSIGN INC	COM	256163106	3,024	72	SH		SOLE		0	0	72
DOW INC	COM	260557103	31,535	612	SH		SOLE		0	0	612
DUCKHORN PORTFOLIO INC	COM	26414D106	288	28	SH		SOLE		0	0	28
DUPONT DE NEMOURS INC	COM	26614N102	18,648	250	SH		SOLE		0	0	250
DXC TECHNOLOGY CO	COM	23355L106	5,571	267	SH		SOLE		0	0	267
EATON CORP PLC	SHS	G29183103	56,520	265	SH		SOLE		0	0	265
EBAY INC.	COM	278642103	18,254	414	SH		SOLE		0	0	414
ECOLAB INC	COM	278865100	12,705	75	SH		SOLE		0	0	75
ELASTIC N V	ORD SHS	N14506104	4,062	50	SH		SOLE		0	0	50
ELEVANCE HEALTH INC	COM	036752103	10	0	SH		SOLE		0	0	0
EMERSON ELEC CO	COM	291011104	9,657	100	SH		SOLE		0	0	100
ENPHASE ENERGY INC	COM	29355A107	78,098	650	SH		SOLE		0	0	650
ENTERPRISE PRODS PARTNERS L	COM	293792107	104,527	3,819	SH		SOLE		0	0	3,819
EQUITRANS MIDSTREAM CORP	COM	294600101	20,683	2,207	SH		SOLE		0	0	2,207
ETF MANAGERS TR	ETFMG ALTR HRVST	26924G508	4,879	1,337	SH		SOLE		0	0	1,337
ETSY INC	COM	29786A106	70	1	SH		SOLE		0	0	1
EXPEDIA GROUP INC	COM NEW	30212P303	24	0	SH		SOLE		0	0	0
EXXON MOBIL CORP	COM	30231G102	129,809	1,104	SH		SOLE		0	0	1,104
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	45,030	2,820	SH		SOLE		0	0	2,820
FLEXSHARES TR	DEV MRK EX LOW	33939L647	25,075	1,026	SH		SOLE		0	0	1,026
FLEXSHARES TR	GLB QLT R/E IDX	33939L787	30,693	627	SH		SOLE		0	0	627
FMC CORP	COM NEW	302491303	23,440	350	SH		SOLE		0	0	350
FORD MTR CO DEL	COM	345370860	4,931	397	SH		SOLE		0	0	397
FUELCELL ENERGY INC	COM	35952H601	96	75	SH		SOLE		0	0	75
GALLAGHER ARTHUR J & CO	COM	363576109	34,418	151	SH		SOLE		0	0	151
GALMED PHARMACEUTICALS LTD	SHS NEW	M47238122	5	7	SH		SOLE		0	0	7
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	1,361	20	SH		SOLE		0	0	20
GENERAL ELECTRIC CO	COM NEW	369604301	6,855	62	SH		SOLE		0	0	62
GENERAL MLS INC	COM	370334104	10	0	SH		SOLE		0	0	0
GENERAL MTRS CO	COM	37045V100	9,992	303	SH		SOLE		0	0	303
GILEAD SCIENCES INC	COM	375558103	81,011	1,081	SH		SOLE		0	0	361
GLOBAL NET LEASE INC	COM NEW	379378201	11,283	1,174	SH		SOLE		0	0	1,174
GLOBAL X FDS	S&P 500 CATHOLIC	37954Y889	26,367	504	SH		SOLE		0	0	504
GLOBE LIFE INC	COM	37959E102	54,365	500	SH		SOLE		0	0	500
GOLDMAN SACHS GROUP INC	COM	38141G104	11,002	34	SH		SOLE		0	0	34
GOODYEAR TIRE & RUBR CO	COM	382550101	187	15	SH		SOLE		0	0	15
HASBRO INC	COM	418056107	16,469	249	SH		SOLE		0	0	249
HERCULES CAPITAL INC	COM	427096508	30,085	1,832	SH		SOLE		0	0	1,832
HERSHEY CO	COM	427866108	10	0	SH		SOLE		0	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	390,721	22,494	SH		SOLE		0	0	22,494
HOME DEPOT INC	COM	437076102	142,318	471	SH		SOLE		0	0	471
HONEYWELL INTL INC	COM	438516106	79,439	430	SH		SOLE		0	0	430
HP INC	COM	40434L105	578,096	22,494	SH		SOLE		0	0	22,494
IDEANOMICS INC	COM	45166V106	3	1	SH		SOLE		0	0	1
ILLUMINA INC	COM	452327109	14,140	103	SH		SOLE		0	0	103
INGERSOLL RAND INC	COM	45687V106	11,219	176	SH		SOLE		0	0	176
INSTRUCTURE HLDGS INC	COM	457790103	2,928	115	SH		SOLE		0	0	115
INTEL CORP	COM	458140100	48,725	1,371	SH		SOLE		0	0	1,371
INTERNATIONAL BUSINESS MACHS	COM	459200101	46,794	334	SH		SOLE		0	0	146
INVESCO ACTIVELY MANAGED ETF	ULTRA SHRT DUR	46090A887	29,920	602	SH		SOLE		0	0	602
INVESCO EXCH TRADED FD TR II	CALIF AMT MUN	46138E206	68,697	2,927	SH		SOLE		0	0	2,927
INVESCO EXCH TRADED FD TR II	CEF INM COMPSI	46138E404	22,425	1,311	SH		SOLE		0	0	1,311
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	8,619	198	SH		SOLE		0	0	198
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	65,630	2,063	SH		SOLE		0	0	2,063
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	10,722	325	SH		SOLE		0	0	325
INVESCO MORTGAGE CAPITAL INC	COM	46131B704	12,455	1,244	SH		SOLE		0	0	1,244
INVESCO QQQ TR	UNIT SER 1	46090E103	187,753	524	SH		SOLE		0	0	524
ISHARES INC	CORE MSCI EMKT	46434G103	8,995	189	SH		SOLE		0	0	189
ISHARES INC	ESG AWR MSCI EM	46434G863	121,598	4,016	SH		SOLE		0	0	4,016
ISHARES INC	MSCI AUST ETF	464286103	52,894	2,459	SH		SOLE		0	0	2,459
ISHARES INC	MSCI EMERG MRKT	464286533	54,527	1,022	SH		SOLE		0	0	1,022
ISHARES TR	0-5YR HI YL CP	46434V407	26,339	642	SH		SOLE		0	0	642
ISHARES TR	AGGRES ALLOC ETF	464289859	72,065	1,135	SH		SOLE		0	0	1,135
ISHARES TR	BROAD USD HIGH	46435U853	47,001	1,354	SH		SOLE		0	0	1,354
ISHARES TR	CONV BD ETF	46435G102	45,537	614	SH		SOLE		0	0	614
ISHARES TR	CORE MSCI EAFE	46432F842	492,995	7,661	SH		SOLE		0	0	7,040
ISHARES TR	CORE S&P MCP ETF	464287507	115,200	462	SH		SOLE		0	0	462
ISHARES TR	CORE S&P SCP ETF	464287804	4,331,467	45,918	SH		SOLE		0	0	45,448
ISHARES TR	CORE S&P TTL STK	464287150	496,536	5,272	SH		SOLE		0	0	5,272
ISHARES TR	CORE S&P US GWT	464287671	10,086,272	106,362	SH		SOLE		0	0	103,848
ISHARES TR	CORE S&P500 ETF	464287200	45,091	105	SH		SOLE		0	0	105
ISHARES TR	CORE TOTAL USD	46434V613	19,305,038	441,611	SH		SOLE		0	0	427,386
ISHARES TR	CORE US AGGBD ET	464287226	3,605,816	38,343	SH		SOLE		0	0	35,260
ISHARES TR	EAFE SML CP ETF	464288273	50,089	887	SH		SOLE		0	0	887
ISHARES TR	EAFE VALUE ETF	464288877	203,745	4,164	SH		SOLE		0	0	4,164
ISHARES TR	ESG AW MSCI EAFE	46435G516	767,465	11,102	SH		SOLE		0	0	11,102
ISHARES TR	ESG AWARE MSCI	46435U663	12,114	360	SH		SOLE		0	0	360
ISHARES TR	ESG AWR MSCI USA	46435G425	1,177,588	12,540	SH		SOLE		0	0	12,540
ISHARES TR	EXPND TEC SC ETF	464287549	177,714	465	SH		SOLE		0	0	465
ISHARES TR	EXPONENTIAL TECH	46434V381	10,973	210	SH		SOLE		0	0	210
ISHARES TR	FLTG RATE NT ETF	46429B655	39,239	771	SH		SOLE		0	0	771
ISHARES TR	GLOBAL REIT ETF	46434V647	68,570	3,239	SH		SOLE		0	0	3,239
ISHARES TR	GRWT ALLOCAT ETF	464289867	31,536	638	SH		SOLE		0	0	638
ISHARES TR	INTL SEL DIV ETF	464288448	10,821	426	SH		SOLE		0	0	426
ISHARES TR	JPMORGAN USD EMG	464288281	3,796	46	SH		SOLE		0	0	46
ISHARES TR	MSCI EAFE ETF	464287465	420,068	6,095	SH		SOLE		0	0	6,095
ISHARES TR	MSCI EAFE MIN VL	46429B689	86,335	1,324	SH		SOLE		0	0	1,324
ISHARES TR	MSCI EMG MKT ETF	464287234	41,214	1,086	SH		SOLE		0	0	1,086
ISHARES TR	MSCI USA QLT FCT	46432F339	2,241	17	SH		SOLE		0	0	17
ISHARES TR	RUS 1000 ETF	464287622	15,035	64	SH		SOLE		0	0	64
ISHARES TR	RUS 1000 GRW ETF	464287614	1,613,296	6,065	SH		SOLE		0	0	6,065
ISHARES TR	RUS 2000 VAL ETF	464287630	67,775	500	SH		SOLE		0	0	500
ISHARES TR	RUS MD CP GR ETF	464287481	51,979	569	SH		SOLE		0	0	569
ISHARES TR	RUS MDCP VAL ETF	464287473	91,402	876	SH		SOLE		0	0	876
ISHARES TR	RUS MID CAP ETF	464287499	97,227	1,404	SH		SOLE		0	0	1,404
ISHARES TR	RUSSELL 2000 ETF	464287655	61,153	346	SH		SOLE		0	0	346
ISHARES TR	S&P 500 VAL ETF	464287408	148,456	965	SH		SOLE		0	0	965
ISHARES TR	S&P MC 400VL ETF	464287705	30,683	304	SH		SOLE		0	0	304
ISHARES TR	SP SMCP600VL ETF	464287879	498,068	5,582	SH		SOLE		0	0	5,582
ISHARES TR	SELECT DIVIDEND	464287168	19,268	179	SH		SOLE		0	0	179
ISHARES U S ETF TR	U.S. TECH INDEPD	46431W648	54	1	SH		SOLE		0	0	1
ISHARES U S ETF TR	US CONSUMER FOC	46431W663	77	2	SH		SOLE		0	0	2
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	48,261	901	SH		SOLE		0	0	901
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	217,481	4,334	SH		SOLE		0	0	1,995
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	140,756	2,790	SH		SOLE		0	0	2,790
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	1,008,457	21,311	SH		SOLE		0	0	21,311
JOHNSON & JOHNSON	COM	478160104	124,414	799	SH		SOLE		0	0	799
JPMORGAN CHASE & CO	ALERIAN ML ETN	46625H365	26,133	1,058	SH		SOLE		0	0	630
JPMORGAN CHASE & CO	COM	46625H100	106,602	735	SH		SOLE		0	0	735
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	321,249	2,428	SH		SOLE		0	0	2,428
KIMBERLY-CLARK CORP	COM	494368103	5,197	43	SH		SOLE		0	0	43
KLA CORP	COM NEW	482480100	215,112	469	SH		SOLE		0	0	469
KRAFT HEINZ CO	COM	500754106	9	0	SH		SOLE		0	0	0
KYNDRYL HOLDINGS	COM	50155Q100	559	37	SH		SOLE		0	0	37
L3HARRIS TECHNOLOGIES INC	COM	502431109	17,412	100	SH		SOLE		0	0	100
LAUDER ESTEE COS INC	CL A	518439104	10,264	71	SH		SOLE		0	0	71
LIVE NATION ENTERTAINMENT IN	COM	538034109	5,813	70	SH		SOLE		0	0	70
LUCID GROUP INC	COM	549498103	1,605	287	SH		SOLE		0	0	287
MARRIOTT INTL INC NEW	CL A	571903202	12	0	SH		SOLE		0	0	0
MARSH & MCLENNAN COS INC	COM	571748102	27,975	147	SH		SOLE		0	0	147
MARTIN MARIETTA MATLS INC	COM	573284106	45,153	110	SH		SOLE		0	0	110
MARVELL TECHNOLOGY INC	COM	573874104	185,742	3,431	SH		SOLE		0	0	3,431
MASTERCARD INCORPORATED	CL A	57636Q104	51,865	131	SH		SOLE		0	0	131
MCCORMICK & CO INC	COM NON VTG	579780206	23	0	SH		SOLE		0	0	0
MCDONALDS CORP	COM	580135101	437,619	1,661	SH		SOLE		0	0	1,661
MERCK & CO INC	COM	58933Y105	101,729	988	SH		SOLE		0	0	988
META PLATFORMS INC	CL A	30303M102	197,271	657	SH		SOLE		0	0	657
METTLER TOLEDO INTERNATIONAL	COM	592688105	221,614	200	SH		SOLE		0	0	200
MICROCHIP TECHNOLOGY INC.	COM	595017104	98,109	1,257	SH		SOLE		0	0	1,257
MICROSOFT CORP	COM	594918104	603,789	1,912	SH		SOLE		0	0	1,912
MONDELEZ INTL INC	CL A	609207105	106,668	1,537	SH		SOLE		0	0	1,537
MOTOROLA SOLUTIONS INC	COM NEW	620076307	12,524	46	SH		SOLE		0	0	46
NETFLIX INC	COM	64110L106	1,929	5	SH		SOLE		0	0	5
NEXTERA ENERGY INC	COM	65339F101	114,580	2,000	SH		SOLE		0	0	2,000
NIKE INC	CL B	654106103	59,701	624	SH		SOLE		0	0	624
NIKOLA CORP	COM	654110105	5,495	3,500	SH		SOLE		0	0	3,500
NOKIA CORP	SPONSORED ADR	654902204	1,927	515	SH		SOLE		0	0	515
NOVARTIS AG	SPONSORED ADR	66987V109	35,651	350	SH		SOLE		0	0	350
NOVO-NORDISK A S	ADR	670100205	910	10	SH		SOLE		0	0	10
NUSHARES ETF TR	NUVEEN ESG SMLCP	67092P607	35,029	1,006	SH		SOLE		0	0	1,006
NVIDIA CORPORATION	COM	67066G104	46	0	SH		SOLE		0	0	0
ON SEMICONDUCTOR CORP	COM	682189105	23,238	250	SH		SOLE		0	0	250
ONE GAS INC	COM	68235P108	6,828	100	SH		SOLE		0	0	100
ONTO INNOVATION INC	COM	683344105	196,254	1,539	SH		SOLE		0	0	1,539
OREILLY AUTOMOTIVE INC	COM	67103H107	14	0	SH		SOLE		0	0	0
ORGANON & CO	COMMON STOCK	68622V106	1,457	84	SH		SOLE		0	0	84
PALANTIR TECHNOLOGIES INC	CL A	69608A108	4,800	300	SH		SOLE		0	0	300
PALO ALTO NETWORKS INC	COM	697435105	144,884	618	SH		SOLE		0	0	618
PAYPAL HLDGS INC	COM	70450Y103	24,671	422	SH		SOLE		0	0	422
PEPSICO INC	COM	713448108	222,475	1,313	SH		SOLE		0	0	1,313
PFIZER INC	COM	717081103	86,268	2,601	SH		SOLE		0	0	2,601
PHATHOM PHARMACEUTICALS INC	COM	71722W107	208	20	SH		SOLE		0	0	20
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	4,877	54	SH		SOLE		0	0	54
PIMCO ETF TR	ACTIVE BD ETF	72201R775	233,756	2,659	SH		SOLE		0	0	2,204
PLAINS ALL AMERN PIPELINE L	UNIT LTD PARTN	726503105	16	1	SH		SOLE		0	0	1
PROCTER AND GAMBLE CO	COM	742718109	61,960	425	SH		SOLE		0	0	425
PUMA BIOTECHNOLOGY INC	COM	74587V107	8	3	SH		SOLE		0	0	3
QUANTA SVCS INC	COM	74762E102	96,342	515	SH		SOLE		0	0	515
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	114,601	1,592	SH		SOLE		0	0	1,592
REINSURANCE GRP OF AMERICA I	COM NEW	759351604	87,114	600	SH		SOLE		0	0	600
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	4,687	193	SH		SOLE		0	0	193
ROKU INC	COM CL A	77543R102	848	12	SH		SOLE		0	0	12
ROPER TECHNOLOGIES INC	COM	776696106	189,354	391	SH		SOLE		0	0	391
SALESFORCE INC	COM	79466L302	11	0	SH		SOLE		0	0	0
SCHWAB CHARLES CORP	COM	808513105	308,599	5,621	SH		SOLE		0	0	5,621
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	34,929	1,459	SH		SOLE		0	0	1,459
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	389,556	11,471	SH		SOLE		0	0	11,471
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	22,156	687	SH		SOLE		0	0	687
SCHWAB STRATEGIC TR	SCHWAB FDT US BM	808524789	1,054,601	19,142	SH		SOLE		0	0	19,142
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	12,300,399	219,768	SH		SOLE		0	0	214,110
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	2,280	47	SH		SOLE		0	0	47
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	103,202	3,936	SH		SOLE		0	0	3,798
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	1,184,402	37,398	SH		SOLE		0	0	37,398
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	4,114	128	SH		SOLE		0	0	128
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	341,538	6,851	SH		SOLE		0	0	6,851
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	73,968	1,045	SH		SOLE		0	0	1,045
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	151,422	2,082	SH		SOLE		0	0	2,082
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,012	20	SH		SOLE		0	0	20
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	230,539	3,406	SH		SOLE		0	0	3,406
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	321,401	7,760	SH		SOLE		0	0	7,760
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	64,350	1,940	SH		SOLE		0	0	1,940
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	61,023	474	SH		SOLE		0	0	474
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	10,138	100	SH		SOLE		0	0	100
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	33,278	203	SH		SOLE		0	0	203
SENSEONICS HLDGS INC	COM	81727U105	260	430	SH		SOLE		0	0	430
SIBANYE STILLWATER LTD	SPONSORED ADR	82575P107	13,698	2,220	SH		SOLE		0	0	2,220
SIREN ETF TR	NSD NXGN ECO ETF	829658202	950	50	SH		SOLE		0	0	50
SOFI TECHNOLOGIES INC	COM	83406F102	23,970	3,000	SH		SOLE		0	0	3,000
SOUTHWEST AIRLS CO	COM	844741108	6	0	SH		SOLE		0	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	108,189	323	SH		SOLE		0	0	323
SPDR GOLD TR	GOLD SHS	78463V107	71,667	418	SH		SOLE		0	0	418
SPDR INDEX SHS FDS	DJ INTL RL ETF	78463X863	43,645	1,835	SH		SOLE		0	0	1,835
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,138,443	5,002	SH		SOLE		0	0	4,952
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	888,334	1,945	SH		SOLE		0	0	1,945
SPDR SER TR	NYSE TECH ETF	78464A102	9,354	68	SH		SOLE		0	0	68
SPDR SER TR	S&P BIOTECH	78464A870	38,993	534	SH		SOLE		0	0	534
SPDR SER TR	S&P DIVID ETF	78464A763	16,907	147	SH		SOLE		0	0	147
SPIRIT AIRLS INC	COM	848577102	578	35	SH		SOLE		0	0	35
STARBUCKS CORP	COM	855244109	67,967	745	SH		SOLE		0	0	745
STONECO LTD	COM CL A	G85158106	4,268	400	SH		SOLE		0	0	400
SVB FINANCIAL GROUP	COM	78486Q101	45	500	SH		SOLE		0	0	500
SYNCHRONY FINANCIAL	COM	87165B103	19,443	636	SH		SOLE		0	0	636
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	29,112	335	SH		SOLE		0	0	335
TARGET CORP	COM	87612E106	200,006	1,809	SH		SOLE		0	0	1,809
TD SYNNEX CORPORATION	COM	87162W100	24,965	250	SH		SOLE		0	0	250
TE CONNECTIVITY LTD	SHS	H84989104	8,895	72	SH		SOLE		0	0	72
TESLA INC	COM	88160R101	1,325,252	5,296	SH		SOLE		0	0	5,296
THERMO FISHER SCIENTIFIC INC	COM	883556102	81,494	161	SH		SOLE		0	0	161
TJX COS INC NEW	COM	872540109	26,664	300	SH		SOLE		0	0	300
UNITED AIRLS HLDGS INC	COM	910047109	5,034	119	SH		SOLE		0	0	119
UNITEDHEALTH GROUP INC	COM	91324P102	85,209	169	SH		SOLE		0	0	169
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	6,447	85	SH		SOLE		0	0	85
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	79,160	546	SH		SOLE		0	0	546
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	192,817	2,565	SH		SOLE		0	0	2,376
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	2,044,454	42,744	SH		SOLE		0	0	42,627
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	119,868	615	SH		SOLE		0	0	615
VANGUARD INDEX FDS	MID CAP ETF	922908629	5,815,916	27,929	SH		SOLE		0	0	27,747
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	428,251	5,660	SH		SOLE		0	0	5,245
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	29,099	74	SH		SOLE		0	0	74
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	381,293	2,391	SH		SOLE		0	0	1,962
VANGUARD INDEX FDS	SMALL CP ETF	922908751	500,065	2,645	SH		SOLE		0	0	2,645
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,772,536	8,345	SH		SOLE		0	0	7,668
VANGUARD INDEX FDS	VALUE ETF	922908744	4,414	32	SH		SOLE		0	0	32
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	99,072	1,910	SH		SOLE		0	0	1,910
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	16,233	414	SH		SOLE		0	0	414
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	49,893	470	SH		SOLE		0	0	470
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	189,131	4,858	SH		SOLE		0	0	4,843
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	262,839	2,821	SH		SOLE		0	0	2,821
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	65,814	1,392	SH		SOLE		0	0	476
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	9,676	221	SH		SOLE		0	0	221
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	43,650	758	SH		SOLE		0	0	758
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	29,837	397	SH		SOLE		0	0	397
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	211,976	1,364	SH		SOLE		0	0	1,364
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	88,904	2,033	SH		SOLE		0	0	2,033
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	109,725	1,855	SH		SOLE		0	0	1,855
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	79,307	1,112	SH		SOLE		0	0	1,112
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	13,614	60	SH		SOLE		0	0	60
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	18,606	102	SH		SOLE		0	0	102
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	92,031	472	SH		SOLE		0	0	472
VEEVA SYS INC	CL A COM	922475108	114,543	563	SH		SOLE		0	0	563
VERIZON COMMUNICATIONS INC	COM	92343V104	16,808	519	SH		SOLE		0	0	519
VIA RENEWABLES INC	CL A COM NEW	92556D304	2,742	373	SH		SOLE		0	0	373
VIATRIS INC	COM	92556V106	7,041	714	SH		SOLE		0	0	714
VICTORY PORTFOLIOS II	VCSHS US EQ INCM	92647N824	10,548	189	SH		SOLE		0	0	189
VIKING THERAPEUTICS INC	COM	92686J106	554	50	SH		SOLE		0	0	50
VINTAGE WINE ESTATES INC	COM	92747V106	569	1,000	SH		SOLE		0	0	1,000
VIRGIN GALACTIC HOLDINGS INC	COM	92766K106	69	38	SH		SOLE		0	0	38
VISA INC	COM CL A	92826C839	169,518	737	SH		SOLE		0	0	737
WARNER BROS DISCOVERY INC	COM SER A	934423104	478	44	SH		SOLE		0	0	44
WELLS FARGO CO NEW	COM	949746101	2,452	60	SH		SOLE		0	0	60
WEYERHAEUSER CO MTN BE	COM NEW	962166104	49,056	1,600	SH		SOLE		0	0	1,600
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	398,644	10,636	SH		SOLE		0	0	10,636
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	18,978	410	SH		SOLE		0	0	410
WORLD KINECT CORPORATION	COM	981475106	3,948	176	SH		SOLE		0	0	176
XCEL ENERGY INC	COM	98389B100	28,267	494	SH		SOLE		0	0	494
ZEBRA TECHNOLOGIES CORPORATI	CL A	989207105	35,480	150	SH		SOLE		0	0	150
ZOETIS INC	CL A	98978V103	191,378	1,100	SH		SOLE		0	0	1,100