# EDGAR Filing Document

**Accession Number:** 0001971029
**File Stem:** 0001971029-26-000001
**Filing Date:** 2026-1
**Character Count:** 26524
**Document Hash:** b8d8606f281c8383559cb0ef93445d00
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001971029-26-000001.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001971029-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260126

**EFFECTIVENESS DATE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Werba Rubin Papier Wealth Management
- **CENTRAL INDEX KEY:** 0001971029

**ORGANIZATION NAME:**
- **EIN:** 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:** 26561532

**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:** 12-31-2025

**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:** LEILA SHAVER<br>**Title:** COUNSEL<br>**Phone:** 7704622118

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

LEILA SHAVER  ALPHARETTA, GA  01-26-2026<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:** 232

**Form 13F Information Table Value Total:** $369039519

      (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 |
| 3M CO | COM | 88579Y101 |  | 265832 | 1660 | SH |  | SOLE |  | 0 | 0 | 1660 |
| ABBVIE INC | COM | 00287Y109 |  | 697108 | 3051 | SH |  | SOLE |  | 0 | 0 | 3051 |
| ADOBE INC | COM | 00724F101 |  | 601633 | 1719 | SH |  | SOLE |  | 0 | 0 | 1719 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 631099 | 4638 | SH |  | SOLE |  | 0 | 0 | 4638 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 4617165 | 14751 | SH |  | SOLE |  | 0 | 0 | 14751 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 4705637 | 14996 | SH |  | SOLE |  | 0 | 0 | 14996 |
| AMERICAN CENTY ETF TR | AVANTIS CR ETF | 02507A200 |  | 798425 | 15711 | SH |  | SOLE |  | 0 | 0 | 15711 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 257399 | 382 | SH |  | SOLE |  | 0 | 0 | 382 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 611973 | 572 | SH |  | SOLE |  | 0 | 0 | 572 |
| AT INC | COM | 00206R102 |  | 614020 | 24719 | SH |  | SOLE |  | 0 | 0 | 24719 |
| BANCO BILBAO VIZCAYA ARGENTA | SPONSORED ADR | 05946K101 |  | 354937 | 15227 | SH |  | SOLE |  | 0 | 0 | 15227 |
| BANCO SANTANDER SA | ADR | 05964H105 |  | 129419 | 11033 | SH |  | SOLE |  | 0 | 0 | 11033 |
| BITWISE FUNDS TRUST | CRYPTO INDUSTRY | 09175C103 |  | 223635 | 11221 | SH |  | SOLE |  | 0 | 0 | 11221 |
| BLACKBERRY LTD | COM | 09228F103 |  | 71991 | 18995 | SH |  | SOLE |  | 0 | 0 | 18995 |
| BLACKROCK INC | COM | 09290D101 |  | 221633 | 207 | SH |  | SOLE |  | 0 | 0 | 207 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 241001 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| BROADCOM INC | COM | 11135F101 |  | 1121279 | 3240 | SH |  | SOLE |  | 0 | 0 | 3240 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 |  | 1243443 | 3978 | SH |  | SOLE |  | 0 | 0 | 3978 |
| CAPITAL GRP FIXED INCM ETF T | CORE BOND ETF | 14020Y508 |  | 7914347 | 298429 | SH |  | SOLE |  | 0 | 0 | 298429 |
| CAPITAL GRP FIXED INCM ETF T | SHORT DURATION | 14020Y409 |  | 1438738 | 55315 | SH |  | SOLE |  | 0 | 0 | 55315 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 440415 | 1817 | SH |  | SOLE |  | 0 | 0 | 1817 |
| CATERPILLAR INC | COM | 149123101 |  | 488534 | 853 | SH |  | SOLE |  | 0 | 0 | 853 |
| CBRE GROUP INC | CL A | 12504L109 |  | 207098 | 1288 | SH |  | SOLE |  | 0 | 0 | 1288 |
| CHEVRON CORP NEW | COM | 166764100 |  | 718389 | 4714 | SH |  | SOLE |  | 0 | 0 | 4714 |
| CHUBB LIMITED | COM | H1467J104 |  | 286223 | 917 | SH |  | SOLE |  | 0 | 0 | 917 |
| CINTAS CORP | COM | 172908105 |  | 355181 | 1889 | SH |  | SOLE |  | 0 | 0 | 1889 |
| CISCO SYS INC | COM | 17275R102 |  | 819048 | 10633 | SH |  | SOLE |  | 0 | 0 | 10633 |
| CITIGROUP INC | COM NEW | 172967424 |  | 521364 | 4468 | SH |  | SOLE |  | 0 | 0 | 4468 |
| COCA COLA CO | COM | 191216100 |  | 557693 | 7977 | SH |  | SOLE |  | 0 | 0 | 7977 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 301189 | 10077 | SH |  | SOLE |  | 0 | 0 | 10077 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 370184 | 3955 | SH |  | SOLE |  | 0 | 0 | 3955 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1878905 | 2179 | SH |  | SOLE |  | 0 | 0 | 2179 |
| CUMMINS INC | COM | 231021106 |  | 291028 | 570 | SH |  | SOLE |  | 0 | 0 | 570 |
| CVS HEALTH CORP | COM | 126650100 |  | 205769 | 2593 | SH |  | SOLE |  | 0 | 0 | 2593 |
| DANAHER CORPORATION | COM | 235851102 |  | 307215 | 1342 | SH |  | SOLE |  | 0 | 0 | 1342 |
| DEERE  CO | COM | 244199105 |  | 419684 | 901 | SH |  | SOLE |  | 0 | 0 | 901 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1494729 | 35121 | SH |  | SOLE |  | 0 | 0 | 35121 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 714983 | 21614 | SH |  | SOLE |  | 0 | 0 | 21614 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 1578086 | 48452 | SH |  | SOLE |  | 0 | 0 | 48452 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 |  | 247071 | 4569 | SH |  | SOLE |  | 0 | 0 | 4569 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 |  | 551046 | 10160 | SH |  | SOLE |  | 0 | 0 | 10160 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 505431 | 9603 | SH |  | SOLE |  | 0 | 0 | 9603 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 12069851 | 241881 | SH |  | SOLE |  | 0 | 0 | 241881 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 7286447 | 191195 | SH |  | SOLE |  | 0 | 0 | 191195 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1392680 | 40414 | SH |  | SOLE |  | 0 | 0 | 40414 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 784794 | 23825 | SH |  | SOLE |  | 0 | 0 | 23825 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1406169 | 37004 | SH |  | SOLE |  | 0 | 0 | 37004 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 10608589 | 221243 | SH |  | SOLE |  | 0 | 0 | 221243 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2099389 | 44859 | SH |  | SOLE |  | 0 | 0 | 44859 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 1282430 | 17417 | SH |  | SOLE |  | 0 | 0 | 17417 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 5352883 | 135208 | SH |  | SOLE |  | 0 | 0 | 135208 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 4328937 | 58365 | SH |  | SOLE |  | 0 | 0 | 58365 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 599017 | 15751 | SH |  | SOLE |  | 0 | 0 | 15751 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 8691921 | 186562 | SH |  | SOLE |  | 0 | 0 | 186562 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 917618 | 13171 | SH |  | SOLE |  | 0 | 0 | 13171 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 409489 | 12450 | SH |  | SOLE |  | 0 | 0 | 12450 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2772254 | 46561 | SH |  | SOLE |  | 0 | 0 | 46561 |
| DISNEY WALT CO | COM | 254687106 |  | 510181 | 4484 | SH |  | SOLE |  | 0 | 0 | 4484 |
| DOORDASH INC | CL A | 25809K105 |  | 309145 | 1365 | SH |  | SOLE |  | 0 | 0 | 1365 |
| ELANCO ANIMAL HEALTH INC | COM | 28414H103 |  | 213989 | 9456 | SH |  | SOLE |  | 0 | 0 | 9456 |
| ELI LILLY  CO | COM | 532457108 |  | 858898 | 799 | SH |  | SOLE |  | 0 | 0 | 799 |
| ENEL CHILE S.A. | SPONSORED ADR | 29278D105 |  | 69703 | 17339 | SH |  | SOLE |  | 0 | 0 | 17339 |
| EXELON CORP | COM | 30161N101 |  | 274076 | 6288 | SH |  | SOLE |  | 0 | 0 | 6288 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 |  | 215884 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1744346 | 14495 | SH |  | SOLE |  | 0 | 0 | 14495 |
| FASTENAL CO | COM | 311900104 |  | 212781 | 5302 | SH |  | SOLE |  | 0 | 0 | 5302 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 572868 | 7515 | SH |  | SOLE |  | 0 | 0 | 7515 |
| FORD MTR CO | COM | 345370860 |  | 199817 | 15230 | SH |  | SOLE |  | 0 | 0 | 15230 |
| GARMIN LTD | SHS | H2906T109 |  | 259856 | 1281 | SH |  | SOLE |  | 0 | 0 | 1281 |
| GE AEROSPACE | COM NEW | 369604301 |  | 646123 | 2098 | SH |  | SOLE |  | 0 | 0 | 2098 |
| GE VERNOVA INC | COM | 36828A101 |  | 288257 | 441 | SH |  | SOLE |  | 0 | 0 | 441 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 1007617 | 8209 | SH |  | SOLE |  | 0 | 0 | 8209 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 438951 | 9185 | SH |  | SOLE |  | 0 | 0 | 9185 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 528467 | 601 | SH |  | SOLE |  | 0 | 0 | 601 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 |  | 674374 | 28076 | SH |  | SOLE |  | 0 | 0 | 28076 |
| HOME DEPOT INC | COM | 437076102 |  | 541394 | 1573 | SH |  | SOLE |  | 0 | 0 | 1573 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 296785 | 1448 | SH |  | SOLE |  | 0 | 0 | 1448 |
| HP INC | COM | 40434L105 |  | 334807 | 15027 | SH |  | SOLE |  | 0 | 0 | 15027 |
| HSBC HLDGS PLC | SPON ADR NEW | 404280406 |  | 386456 | 4912 | SH |  | SOLE |  | 0 | 0 | 4912 |
| ILLUMINA INC | COM | 452327109 |  | 225989 | 1723 | SH |  | SOLE |  | 0 | 0 | 1723 |
| ING GROEP N.V. | SPONSORED ADR | 456837103 |  | 289787 | 10350 | SH |  | SOLE |  | 0 | 0 | 10350 |
| INTEL CORP | COM | 458140100 |  | 221599 | 6005 | SH |  | SOLE |  | 0 | 0 | 6005 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 220590 | 1362 | SH |  | SOLE |  | 0 | 0 | 1362 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 266400 | 899 | SH |  | SOLE |  | 0 | 0 | 899 |
| INTUIT | COM | 461202103 |  | 301424 | 455 | SH |  | SOLE |  | 0 | 0 | 455 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 390222 | 689 | SH |  | SOLE |  | 0 | 0 | 689 |
| INVESCO ACTIVELY MANAGED EXC | ULTRA SHRT DUR | 46090A887 |  | 377528 | 7513 | SH |  | SOLE |  | 0 | 0 | 7513 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 1446826 | 61989 | SH |  | SOLE |  | 0 | 0 | 61989 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 928828 | 11443 | SH |  | SOLE |  | 0 | 0 | 11443 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 3761020 | 51748 | SH |  | SOLE |  | 0 | 0 | 51748 |
| ISHARES INC | MSCI GBL ETF NEW | 46434G848 |  | 216912 | 4225 | SH |  | SOLE |  | 0 | 0 | 4225 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 404126 | 4637 | SH |  | SOLE |  | 0 | 0 | 4637 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 13749764 | 142988 | SH |  | SOLE |  | 0 | 0 | 142988 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 310414 | 5402 | SH |  | SOLE |  | 0 | 0 | 5402 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 293149 | 2439 | SH |  | SOLE |  | 0 | 0 | 2439 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2194596 | 3204 | SH |  | SOLE |  | 0 | 0 | 3204 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 275201 | 3550 | SH |  | SOLE |  | 0 | 0 | 3550 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1071810 | 11272 | SH |  | SOLE |  | 0 | 0 | 11272 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 200481 | 4360 | SH |  | SOLE |  | 0 | 0 | 4360 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 |  | 1076405 | 46638 | SH |  | SOLE |  | 0 | 0 | 46638 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 496440 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 1074178 | 3567 | SH |  | SOLE |  | 0 | 0 | 3567 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 359536 | 3744 | SH |  | SOLE |  | 0 | 0 | 3744 |
| ISHARES TR | MSCI INDIA ETF | 46429B598 |  | 439172 | 8125 | SH |  | SOLE |  | 0 | 0 | 8125 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 315974 | 846 | SH |  | SOLE |  | 0 | 0 | 846 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 419586 | 887 | SH |  | SOLE |  | 0 | 0 | 887 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 561014 | 4097 | SH |  | SOLE |  | 0 | 0 | 4097 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 523966 | 5443 | SH |  | SOLE |  | 0 | 0 | 5443 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 1391347 | 5024 | SH |  | SOLE |  | 0 | 0 | 5024 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 252866 | 1027 | SH |  | SOLE |  | 0 | 0 | 1027 |
| ISHARES TR | S 100 ETF | 464287101 |  | 212498 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 401170 | 3650 | SH |  | SOLE |  | 0 | 0 | 3650 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 286110 | 1433 | SH |  | SOLE |  | 0 | 0 | 1433 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 263210 | 1226 | SH |  | SOLE |  | 0 | 0 | 1226 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 812052 | 15432 | SH |  | SOLE |  | 0 | 0 | 15432 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 726696 | 3511 | SH |  | SOLE |  | 0 | 0 | 3511 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1890705 | 5868 | SH |  | SOLE |  | 0 | 0 | 5868 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 |  | 589048 | 2899 | SH |  | SOLE |  | 0 | 0 | 2899 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 202117 | 7352 | SH |  | SOLE |  | 0 | 0 | 7352 |
| KLA CORP | COM NEW | 482480100 |  | 352400 | 290 | SH |  | SOLE |  | 0 | 0 | 290 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 305919 | 1042 | SH |  | SOLE |  | 0 | 0 | 1042 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 289474 | 1691 | SH |  | SOLE |  | 0 | 0 | 1691 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 418717 | 866 | SH |  | SOLE |  | 0 | 0 | 866 |
| MARATHON PETE CORP | COM | 56585A102 |  | 260891 | 1604 | SH |  | SOLE |  | 0 | 0 | 1604 |
| MARQETA INC | CLASS A COM | 57142B104 |  | 2342311 | 493118 | SH |  | SOLE |  | 0 | 0 | 493118 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1131715 | 1982 | SH |  | SOLE |  | 0 | 0 | 1982 |
| MCDONALDS CORP | COM | 580135101 |  | 286762 | 938 | SH |  | SOLE |  | 0 | 0 | 938 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 264735 | 2756 | SH |  | SOLE |  | 0 | 0 | 2756 |
| MERCK  CO INC | COM | 58933Y105 |  | 378239 | 3593 | SH |  | SOLE |  | 0 | 0 | 3593 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3757470 | 5692 | SH |  | SOLE |  | 0 | 0 | 5692 |
| MICROSOFT CORP | COM | 594918104 |  | 6041302 | 12492 | SH |  | SOLE |  | 0 | 0 | 12492 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 265718 | 36300 | SH |  | SOLE |  | 0 | 0 | 36300 |
| MONSTER BEVERAGE CORP NEW | COM | 61174X109 |  | 259758 | 3388 | SH |  | SOLE |  | 0 | 0 | 3388 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 451583 | 2544 | SH |  | SOLE |  | 0 | 0 | 2544 |
| NETFLIX INC | COM | 64110L106 |  | 755998 | 8063 | SH |  | SOLE |  | 0 | 0 | 8063 |
| NOMURA HLDGS INC | SPONSORED ADR | 65535H208 |  | 171165 | 20401 | SH |  | SOLE |  | 0 | 0 | 20401 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 323753 | 568 | SH |  | SOLE |  | 0 | 0 | 568 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 217258 | 4270 | SH |  | SOLE |  | 0 | 0 | 4270 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 24870217 | 133352 | SH |  | SOLE |  | 0 | 0 | 133352 |
| ORACLE CORP | COM | 68389X105 |  | 1097593 | 5631 | SH |  | SOLE |  | 0 | 0 | 5631 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 793832 | 4466 | SH |  | SOLE |  | 0 | 0 | 4466 |
| PEPSICO INC | COM | 713448108 |  | 272470 | 1898 | SH |  | SOLE |  | 0 | 0 | 1898 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 223664 | 1394 | SH |  | SOLE |  | 0 | 0 | 1394 |
| PHILLIPS 66 | COM | 718546104 |  | 238748 | 1850 | SH |  | SOLE |  | 0 | 0 | 1850 |
| PORCH GROUP INC | COM | 733245104 |  | 486501 | 53286 | SH |  | SOLE |  | 0 | 0 | 53286 |
| PROCEPT BIOROBOTICS CORP | COM | 74276L105 |  | 6606600 | 210000 | SH |  | SOLE |  | 0 | 0 | 210000 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 439388 | 3066 | SH |  | SOLE |  | 0 | 0 | 3066 |
| PROGRESSIVE CORP | COM | 743315103 |  | 228633 | 1004 | SH |  | SOLE |  | 0 | 0 | 1004 |
| PROSHARES TR | LARGE CAP CRE | 74347R248 |  | 276012 | 3464 | SH |  | SOLE |  | 0 | 0 | 3464 |
| PROSHARES TR | ULTRASHORT QQQ | 74349Y829 |  | 282800 | 14000 | SH |  | SOLE |  | 0 | 0 | 14000 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 608100 | 2343 | SH |  | SOLE |  | 0 | 0 | 2343 |
| PUTNAM ETF TRUST | FRANKLIN CALIF | 746729839 |  | 1008572 | 137783 | SH |  | SOLE |  | 0 | 0 | 137783 |
| QUALCOMM INC | COM | 747525103 |  | 265344 | 1551 | SH |  | SOLE |  | 0 | 0 | 1551 |
| REALTY INCOME CORP | COM | 756109104 |  | 310337 | 5505 | SH |  | SOLE |  | 0 | 0 | 5505 |
| RECURSION PHARMACEUTICALS IN | CL A | 75629V104 |  | 155395 | 37994 | SH |  | SOLE |  | 0 | 0 | 37994 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 212515 | 1879 | SH |  | SOLE |  | 0 | 0 | 1879 |
| SALESFORCE INC | COM | 79466L302 |  | 1353211 | 5108 | SH |  | SOLE |  | 0 | 0 | 5108 |
| SAP SE | SPON ADR | 803054204 |  | 242667 | 999 | SH |  | SOLE |  | 0 | 0 | 999 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 345958 | 3463 | SH |  | SOLE |  | 0 | 0 | 3463 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 413394 | 9144 | SH |  | SOLE |  | 0 | 0 | 9144 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 548750 | 20653 | SH |  | SOLE |  | 0 | 0 | 20653 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 572316 | 18163 | SH |  | SOLE |  | 0 | 0 | 18163 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 317412 | 13203 | SH |  | SOLE |  | 0 | 0 | 13203 |
| SCHWAB STRATEGIC TR | LONG TERM US | 808524680 |  | 15303101 | 482748 | SH |  | SOLE |  | 0 | 0 | 482748 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2658283 | 81492 | SH |  | SOLE |  | 0 | 0 | 81492 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5617474 | 189715 | SH |  | SOLE |  | 0 | 0 | 189715 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 263177 | 1828 | SH |  | SOLE |  | 0 | 0 | 1828 |
| SERVICENOW INC | COM | 81762P102 |  | 1318353 | 8606 | SH |  | SOLE |  | 0 | 0 | 8606 |
| SHELL PLC | SPON ADS | 780259305 |  | 242159 | 3296 | SH |  | SOLE |  | 0 | 0 | 3296 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 245479 | 1525 | SH |  | SOLE |  | 0 | 0 | 1525 |
| SILVACO GROUP INC | COM | 82728C102 |  | 753624 | 186080 | SH |  | SOLE |  | 0 | 0 | 186080 |
| SMARTSTOP SELF STORAG REIT I | COMMON STOCK | 83192D402 |  | 247582 | 8002 | SH |  | SOLE |  | 0 | 0 | 8002 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 1572299 | 7168 | SH |  | SOLE |  | 0 | 0 | 7168 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 209820 | 437 | SH |  | SOLE |  | 0 | 0 | 437 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 2683415 | 6771 | SH |  | SOLE |  | 0 | 0 | 6771 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 704323 | 17237 | SH |  | SOLE |  | 0 | 0 | 17237 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3376455 | 4951 | SH |  | SOLE |  | 0 | 0 | 4951 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 241798 | 2658 | SH |  | SOLE |  | 0 | 0 | 2658 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 868709 | 9507 | SH |  | SOLE |  | 0 | 0 | 9507 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 306814 | 11591 | SH |  | SOLE |  | 0 | 0 | 11591 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 222049 | 2768 | SH |  | SOLE |  | 0 | 0 | 2768 |
| SPINNAKER ETF SERIES | SELECT STOXX EUR | 84858T772 |  | 259184 | 6152 | SH |  | SOLE |  | 0 | 0 | 6152 |
| STARBUCKS CORP | COM | 855244109 |  | 551193 | 6545 | SH |  | SOLE |  | 0 | 0 | 6545 |
| STATE STR CORP | COM | 857477103 |  | 223334 | 1731 | SH |  | SOLE |  | 0 | 0 | 1731 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 213592 | 11050 | SH |  | SOLE |  | 0 | 0 | 11050 |
| SYSCO CORP | COM | 871829107 |  | 227413 | 3086 | SH |  | SOLE |  | 0 | 0 | 3086 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 539115 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 245731 | 1080 | SH |  | SOLE |  | 0 | 0 | 1080 |
| TESLA INC | COM | 88160R101 |  | 2281164 | 5072 | SH |  | SOLE |  | 0 | 0 | 5072 |
| TJX COS INC NEW | COM | 872540109 |  | 360892 | 2349 | SH |  | SOLE |  | 0 | 0 | 2349 |
| TWILIO INC | CL A | 90138F102 |  | 232989 | 1638 | SH |  | SOLE |  | 0 | 0 | 1638 |
| UBS GROUP AG | SHS | H42097107 |  | 383586 | 8283 | SH |  | SOLE |  | 0 | 0 | 8283 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 305530 | 505 | SH |  | SOLE |  | 0 | 0 | 505 |
| UNITED RENTALS INC | COM | 911363109 |  | 284890 | 352 | SH |  | SOLE |  | 0 | 0 | 352 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 394579 | 1195 | SH |  | SOLE |  | 0 | 0 | 1195 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 883421 | 10300 | SH |  | SOLE |  | 0 | 0 | 10300 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 223629 | 503 | SH |  | SOLE |  | 0 | 0 | 503 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1528468 | 19626 | SH |  | SOLE |  | 0 | 0 | 19626 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 26709296 | 360595 | SH |  | SOLE |  | 0 | 0 | 360595 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 21160864 | 43375 | SH |  | SOLE |  | 0 | 0 | 43375 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 415754 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2800042 | 10031 | SH |  | SOLE |  | 0 | 0 | 10031 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2884023 | 16260 | SH |  | SOLE |  | 0 | 0 | 16260 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 791685 | 8947 | SH |  | SOLE |  | 0 | 0 | 8947 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 6107584 | 9739 | SH |  | SOLE |  | 0 | 0 | 9739 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3506182 | 16555 | SH |  | SOLE |  | 0 | 0 | 16555 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 709820 | 2752 | SH |  | SOLE |  | 0 | 0 | 2752 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1965545 | 6506 | SH |  | SOLE |  | 0 | 0 | 6506 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3097090 | 9238 | SH |  | SOLE |  | 0 | 0 | 9238 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 20979068 | 109844 | SH |  | SOLE |  | 0 | 0 | 109844 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 269369 | 3662 | SH |  | SOLE |  | 0 | 0 | 3662 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3895414 | 72459 | SH |  | SOLE |  | 0 | 0 | 72459 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 303684 | 3632 | SH |  | SOLE |  | 0 | 0 | 3632 |
| VANGUARD MALVERN FDS | SHORT DURATION B | 922020730 |  | 691838 | 9046 | SH |  | SOLE |  | 0 | 0 | 9046 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 665478 | 7946 | SH |  | SOLE |  | 0 | 0 | 7946 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 941596 | 16874 | SH |  | SOLE |  | 0 | 0 | 16874 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 269571 | 4590 | SH |  | SOLE |  | 0 | 0 | 4590 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1220322 | 16176 | SH |  | SOLE |  | 0 | 0 | 16176 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 511484 | 8188 | SH |  | SOLE |  | 0 | 0 | 8188 |
| VANGUARD WELLINGTON FD | US VALUE FACTR | 921935805 |  | 206576 | 1556 | SH |  | SOLE |  | 0 | 0 | 1556 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 5821647 | 63659 | SH |  | SOLE |  | 0 | 0 | 63659 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 929811 | 3230 | SH |  | SOLE |  | 0 | 0 | 3230 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 797797 | 1058 | SH |  | SOLE |  | 0 | 0 | 1058 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 348373 | 8553 | SH |  | SOLE |  | 0 | 0 | 8553 |
| VISA INC | COM CL A | 92826C839 |  | 2444416 | 6970 | SH |  | SOLE |  | 0 | 0 | 6970 |
| WABTEC | COM | 929740108 |  | 212173 | 994 | SH |  | SOLE |  | 0 | 0 | 994 |
| WALMART INC | COM | 931142103 |  | 627149 | 5629 | SH |  | SOLE |  | 0 | 0 | 5629 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 336106 | 3606 | SH |  | SOLE |  | 0 | 0 | 3606 |
| WELLTOWER INC | COM | 95040Q104 |  | 269160 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| WESTERN DIGITAL CORP | COM | 958102105 |  | 244288 | 1418 | SH |  | SOLE |  | 0 | 0 | 1418 |
| WILLIAMS SONOMA INC | COM | 969904101 |  | 201988 | 1131 | SH |  | SOLE |  | 0 | 0 | 1131 |
| WW GRAINGER INC | COM | 384802104 |  | 237127 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |

---