# EDGAR Filing Document

**Accession Number:** 0001971029
**File Stem:** 0001754960-23-000084
**Filing Date:** 2023-3
**Character Count:** 14068
**Document Hash:** 5ec790054876b6c14ffc033fc081cb9d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-23-000084.hdr.sgml**: 20230328

**ACCESSION NUMBER**: 0001754960-23-000084

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230328

**DATE AS OF CHANGE**: 20230328

**EFFECTIVENESS DATE**: 20230328

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Werba Rubin Papier Wealth Management
- **CENTRAL INDEX KEY:** 0001971029
- **IRS NUMBER:** 821373076
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23165
- **FILM NUMBER:** 23768954

**BUSINESS ADDRESS:**
- **STREET 1:** 1732 N 1ST STREET
- **STREET 2:** SUITE 220
- **CITY:** SAN JOSE
- **STATE:** CA
- **ZIP:** 95112
- **BUSINESS PHONE:** 4082172000

**MAIL ADDRESS:**
- **STREET 1:** 1732 N 1ST STREET
- **STREET 2:** SUITE 220
- **CITY:** SAN JOSE
- **STATE:** CA
- **ZIP:** 95112

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Werba Rubin Papier Wealth Management<br>**Address:** 1732 N 1ST STREET<br>SUITE 220<br>SAN JOSE, CA 95112

**Form 13F File Number:** 028-23165

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

**Signature, Place, and Date of Signing:**

Aryn Sands  Reno, NV  03-28-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 104

**Form 13F Information Table Value Total:** $242487793

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 390127 | 2414 | SH |  | SOLE |  | 0 | 0 | 2414 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 271243 | 806 | SH |  | SOLE |  | 0 | 0 | 806 |
| AFFIRM HLDGS INC | COM CL A | 00827B106 |  | 111350 | 11515 | SH |  | SOLE |  | 0 | 0 | 11515 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 205778 | 1373 | SH |  | SOLE |  | 0 | 0 | 1373 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 535553 | 6036 | SH |  | SOLE |  | 0 | 0 | 6036 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 475913 | 5394 | SH |  | SOLE |  | 0 | 0 | 5394 |
| AMAZON COM INC | COM | 023135106 |  | 1123197 | 13371 | SH |  | SOLE |  | 0 | 0 | 13371 |
| AMBEV SA | SPONSORED ADR | 02319V103 |  | 41660 | 15316 | SH |  | SOLE |  | 0 | 0 | 15316 |
| AMERICAN CENTY ETF TR | AVANTIS ALL EQT | 025072232 |  | 676112 | 12180 | SH |  | SOLE |  | 0 | 0 | 12180 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 719624 | 14338 | SH |  | SOLE |  | 0 | 0 | 14338 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 356595 | 7905 | SH |  | SOLE |  | 0 | 0 | 7905 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 8337976 | 165273 | SH |  | SOLE |  | 0 | 0 | 165273 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 36293073 | 682329 | SH |  | SOLE |  | 0 | 0 | 682329 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 14038834 | 253637 | SH |  | SOLE |  | 0 | 0 | 253637 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 33983951 | 456099 | SH |  | SOLE |  | 0 | 0 | 456099 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 36273990 | 533362 | SH |  | SOLE |  | 0 | 0 | 533362 |
| APPLE INC | COM | 037833100 |  | 12454726 | 95857 | SH |  | SOLE |  | 0 | 0 | 95857 |
| AQUA METALS INC | COM | 03837J101 |  | 25000 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| ASHLAND INC | COM | 044186104 |  | 247319 | 2300 | SH |  | SOLE |  | 0 | 0 | 2300 |
| BANK AMERICA CORP | COM | 060505104 |  | 441280 | 13324 | SH |  | SOLE |  | 0 | 0 | 13324 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 358942 | 1162 | SH |  | SOLE |  | 0 | 0 | 1162 |
| CHEVRON CORP NEW | COM | 166764100 |  | 558752 | 3113 | SH |  | SOLE |  | 0 | 0 | 3113 |
| CISCO SYS INC | COM | 17275R102 |  | 361822 | 7595 | SH |  | SOLE |  | 0 | 0 | 7595 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 341033 | 2874 | SH |  | SOLE |  | 0 | 0 | 2874 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 279360 | 612 | SH |  | SOLE |  | 0 | 0 | 612 |
| DANAHER CORPORATION | COM | 235851102 |  | 331288 | 1247 | SH |  | SOLE |  | 0 | 0 | 1247 |
| DEERE  CO | COM | 244199105 |  | 224041 | 521 | SH |  | SOLE |  | 0 | 0 | 521 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 389039 | 15537 | SH |  | SOLE |  | 0 | 0 | 15537 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 784449 | 35738 | SH |  | SOLE |  | 0 | 0 | 35738 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 476670 | 11456 | SH |  | SOLE |  | 0 | 0 | 11456 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 555253 | 10855 | SH |  | SOLE |  | 0 | 0 | 10855 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2025624 | 46089 | SH |  | SOLE |  | 0 | 0 | 46089 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 2442584 | 100601 | SH |  | SOLE |  | 0 | 0 | 100601 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 13168865 | 393335 | SH |  | SOLE |  | 0 | 0 | 393335 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 267453 | 12042 | SH |  | SOLE |  | 0 | 0 | 12042 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 401227 | 17952 | SH |  | SOLE |  | 0 | 0 | 17952 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 4547399 | 149585 | SH |  | SOLE |  | 0 | 0 | 149585 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1181754 | 10714 | SH |  | SOLE |  | 0 | 0 | 10714 |
| META PLATFORMS INC | CL A | 30303M102 |  | 531751 | 4419 | SH |  | SOLE |  | 0 | 0 | 4419 |
| FTC SOLAR INC | COM | 30320C103 |  | 162167 | 60510 | SH |  | SOLE |  | 0 | 0 | 60510 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 415185 | 15590 | SH |  | SOLE |  | 0 | 0 | 15590 |
| INTEL CORP | COM | 458140100 |  | 423911 | 16039 | SH |  | SOLE |  | 0 | 0 | 16039 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 295038 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 227717 | 10114 | SH |  | SOLE |  | 0 | 0 | 10114 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 1028491 | 46517 | SH |  | SOLE |  | 0 | 0 | 46517 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 HY | 46138J833 |  | 3983921 | 180105 | SH |  | SOLE |  | 0 | 0 | 180105 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 HY | 46138J858 |  | 4473567 | 191916 | SH |  | SOLE |  | 0 | 0 | 191916 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 390452 | 11288 | SH |  | SOLE |  | 0 | 0 | 11288 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1306551 | 12275 | SH |  | SOLE |  | 0 | 0 | 12275 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1456421 | 3791 | SH |  | SOLE |  | 0 | 0 | 3791 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 570687 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 257985 | 1965 | SH |  | SOLE |  | 0 | 0 | 1965 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 207362 | 985 | SH |  | SOLE |  | 0 | 0 | 985 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 263462 | 2784 | SH |  | SOLE |  | 0 | 0 | 2784 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 605543 | 5024 | SH |  | SOLE |  | 0 | 0 | 5024 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1834677 | 18922 | SH |  | SOLE |  | 0 | 0 | 18922 |
| ISHARES TR | IBONDS DEC23 ETF | 46434VAX8 |  | 1537764 | 61437 | SH |  | SOLE |  | 0 | 0 | 61437 |
| ISHARES TR | IBONDS 23 TRM HG | 46435U150 |  | 3901394 | 166229 | SH |  | SOLE |  | 0 | 0 | 166229 |
| ISHARES TR | IBONDS 25 TRM HG | 46435U168 |  | 669155 | 29727 | SH |  | SOLE |  | 0 | 0 | 29727 |
| ISHARES TR | IBONDS 24 TRM HG | 46435U184 |  | 2393314 | 105386 | SH |  | SOLE |  | 0 | 0 | 105386 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 690205 | 19035 | SH |  | SOLE |  | 0 | 0 | 19035 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 693298 | 5170 | SH |  | SOLE |  | 0 | 0 | 5170 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1141159 | 6460 | SH |  | SOLE |  | 0 | 0 | 6460 |
| KLA CORP | COM NEW | 482480100 |  | 5359858 | 14216 | SH |  | SOLE |  | 0 | 0 | 14216 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 |  | 67984 | 30902 | SH |  | SOLE |  | 0 | 0 | 30902 |
| MARQETA INC | CLASS A COM | 57142B104 |  | 3012951 | 493118 | SH |  | SOLE |  | 0 | 0 | 493118 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 240011 | 1612 | SH |  | SOLE |  | 0 | 0 | 1612 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 291717 | 839 | SH |  | SOLE |  | 0 | 0 | 839 |
| MERCK  CO INC | COM | 58933Y105 |  | 208208 | 1866 | SH |  | SOLE |  | 0 | 0 | 1866 |
| MICROSOFT CORP | COM | 594918104 |  | 1840837 | 7676 | SH |  | SOLE |  | 0 | 0 | 7676 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 134914 | 47505 | SH |  | SOLE |  | 0 | 0 | 47505 |
| NAUTILUS INC | COM | 63910B102 |  | 16722 | 10930 | SH |  | SOLE |  | 0 | 0 | 10930 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 287191 | 2122 | SH |  | SOLE |  | 0 | 0 | 2122 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 259490 | 1776 | SH |  | SOLE |  | 0 | 0 | 1776 |
| ORACLE CORP | COM | 68389X105 |  | 216202 | 2645 | SH |  | SOLE |  | 0 | 0 | 2645 |
| PEPSICO INC | COM | 713448108 |  | 243080 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| PFIZER INC | COM | 717081103 |  | 240879 | 4701 | SH |  | SOLE |  | 0 | 0 | 4701 |
| PORCH GROUP INC | COM | 733245104 |  | 273822 | 145650 | SH |  | SOLE |  | 0 | 0 | 145650 |
| PUBLIC STORAGE | COM | 74460D109 |  | 620060 | 2213 | SH |  | SOLE |  | 0 | 0 | 2213 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 719110 | 1872 | SH |  | SOLE |  | 0 | 0 | 1872 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 291781 | 1720 | SH |  | SOLE |  | 0 | 0 | 1720 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 503323 | 17114 | SH |  | SOLE |  | 0 | 0 | 17114 |
| SALESFORCE INC | COM | 79466L302 |  | 582733 | 4395 | SH |  | SOLE |  | 0 | 0 | 4395 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 299580 | 5392 | SH |  | SOLE |  | 0 | 0 | 5392 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5189407 | 78603 | SH |  | SOLE |  | 0 | 0 | 78603 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 |  | 211077 | 7261 | SH |  | SOLE |  | 0 | 0 | 7261 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 |  | 422909 | 9052 | SH |  | SOLE |  | 0 | 0 | 9052 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US BM | 808524789 |  | 287937 | 5472 | SH |  | SOLE |  | 0 | 0 | 5472 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 164410 | 20500 | SH |  | SOLE |  | 0 | 0 | 20500 |
| TESLA INC | COM | 88160R101 |  | 542485 | 4404 | SH |  | SOLE |  | 0 | 0 | 4404 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 205485 | 388 | SH |  | SOLE |  | 0 | 0 | 388 |
| VALVOLINE INC | COM | 92047W101 |  | 207915 | 6368 | SH |  | SOLE |  | 0 | 0 | 6368 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 451516 | 8730 | SH |  | SOLE |  | 0 | 0 | 8730 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 573899 | 7722 | SH |  | SOLE |  | 0 | 0 | 7722 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 591454 | 2384 | SH |  | SOLE |  | 0 | 0 | 2384 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 262093 | 2549 | SH |  | SOLE |  | 0 | 0 | 2549 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 884250 | 17636 | SH |  | SOLE |  | 0 | 0 | 17636 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 386350 | 9911 | SH |  | SOLE |  | 0 | 0 | 9911 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2303554 | 6556 | SH |  | SOLE |  | 0 | 0 | 6556 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 444650 | 5391 | SH |  | SOLE |  | 0 | 0 | 5391 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3169015 | 19956 | SH |  | SOLE |  | 0 | 0 | 19956 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 931466 | 5075 | SH |  | SOLE |  | 0 | 0 | 5075 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3543519 | 18534 | SH |  | SOLE |  | 0 | 0 | 18534 |
| VISA INC | COM CL A | 92826C839 |  | 843916 | 4062 | SH |  | SOLE |  | 0 | 0 | 4062 |

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