# EDGAR Filing Document

**Accession Number:** 0001971029
**File Stem:** 0001754960-25-000747
**Filing Date:** 2025-11
**Character Count:** 27611
**Document Hash:** 40e93be3ddd3f3166e9e9bbcb6a4b661
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-25-000747.hdr.sgml**: 20251104

**ACCESSION NUMBER**: 0001754960-25-000747

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251104

**DATE AS OF CHANGE**: 20251103

**EFFECTIVENESS DATE**: 20251104

**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:** 251446084

**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:** 09-30-2025

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

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

Aryn Sands  Reno, NV  11-03-2025<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:** 241

**Form 13F Information Table Value Total:** $619112359

      (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 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 217791 | 992 | SH |  | SOLE |  | 0 | 0 | 992 |
| CHUBB LIMITED | COM | H1467J104 |  | 224110 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| GARMIN LTD | SHS | H2906T109 |  | 217416 | 883 | SH |  | SOLE |  | 0 | 0 | 883 |
| UBS GROUP AG | SHS | H42097107 |  | 342760 | 8360 | SH |  | SOLE |  | 0 | 0 | 8360 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 532456 | 550 | SH |  | SOLE |  | 0 | 0 | 550 |
| AT INC | COM | 00206R102 |  | 680313 | 24090 | SH |  | SOLE |  | 0 | 0 | 24090 |
| ABBVIE INC | COM | 00287Y109 |  | 636516 | 2749 | SH |  | SOLE |  | 0 | 0 | 2749 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 |  | 306734 | 6896 | SH |  | SOLE |  | 0 | 0 | 6896 |
| ADOBE INC | COM | 00724F101 |  | 469510 | 1331 | SH |  | SOLE |  | 0 | 0 | 1331 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 536251 | 4178 | SH |  | SOLE |  | 0 | 0 | 4178 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 314029 | 1863 | SH |  | SOLE |  | 0 | 0 | 1863 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3454048 | 14182 | SH |  | SOLE |  | 0 | 0 | 14182 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3336363 | 13724 | SH |  | SOLE |  | 0 | 0 | 13724 |
| AMAZON COM INC | COM | 023135106 |  | 3501287 | 15946 | SH |  | SOLE |  | 0 | 0 | 15946 |
| AMERICAN CENTY ETF TR | AVANTIS CR ETF | 02507A200 |  | 274306 | 5344 | SH |  | SOLE |  | 0 | 0 | 5344 |
| AMERICAN CENTY ETF TR | AVANTIS MODERAT | 025072182 |  | 220711 | 3392 | SH |  | SOLE |  | 0 | 0 | 3392 |
| AMERICAN CENTY ETF TR | AVANTIS INTL SML | 025072190 |  | 743851 | 11011 | SH |  | SOLE |  | 0 | 0 | 11011 |
| AMERICAN CENTY ETF TR | AVANTIS ALL EQT | 025072232 |  | 2785502 | 33395 | SH |  | SOLE |  | 0 | 0 | 33395 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 306628 | 4168 | SH |  | SOLE |  | 0 | 0 | 4168 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 1270072 | 22185 | SH |  | SOLE |  | 0 | 0 | 22185 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 3992808 | 55256 | SH |  | SOLE |  | 0 | 0 | 55256 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 1053516 | 23685 | SH |  | SOLE |  | 0 | 0 | 23685 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 2826855 | 41917 | SH |  | SOLE |  | 0 | 0 | 41917 |
| AMERICAN CENTY ETF TR | EMERGING MKT VAL | 025072372 |  | 686233 | 11962 | SH |  | SOLE |  | 0 | 0 | 11962 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 |  | 1289821 | 30652 | SH |  | SOLE |  | 0 | 0 | 30652 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 13220317 | 176013 | SH |  | SOLE |  | 0 | 0 | 176013 |
| AMERICAN CENTY ETF TR | AVANTIS SHFXDINC | 025072687 |  | 6237506 | 132111 | SH |  | SOLE |  | 0 | 0 | 132111 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 61845777 | 783850 | SH |  | SOLE |  | 0 | 0 | 783850 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 28169114 | 316400 | SH |  | SOLE |  | 0 | 0 | 316400 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 45102545 | 453155 | SH |  | SOLE |  | 0 | 0 | 453155 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 73946692 | 680282 | SH |  | SOLE |  | 0 | 0 | 680282 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 245084 | 2179 | SH |  | SOLE |  | 0 | 0 | 2179 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 233534 | 1678 | SH |  | SOLE |  | 0 | 0 | 1678 |
| ANALOG DEVICES INC | COM | 032654105 |  | 332436 | 1353 | SH |  | SOLE |  | 0 | 0 | 1353 |
| APPLE INC | COM | 037833100 |  | 29703026 | 116652 | SH |  | SOLE |  | 0 | 0 | 116652 |
| APPLIED MATLS INC | COM | 038222105 |  | 209453 | 1023 | SH |  | SOLE |  | 0 | 0 | 1023 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 264423 | 368 | SH |  | SOLE |  | 0 | 0 | 368 |
| BANCO BILBAO VIZCAYA ARGENTA | SPONSORED ADR | 05946K101 |  | 295218 | 15336 | SH |  | SOLE |  | 0 | 0 | 15336 |
| BANCO SANTANDER S.A. | ADR | 05964H105 |  | 113624 | 10842 | SH |  | SOLE |  | 0 | 0 | 10842 |
| BANK AMERICA CORP | COM | 060505104 |  | 643604 | 12475 | SH |  | SOLE |  | 0 | 0 | 12475 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 308706 | 2833 | SH |  | SOLE |  | 0 | 0 | 2833 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2522984 | 5018 | SH |  | SOLE |  | 0 | 0 | 5018 |
| BLACKBERRY LTD | COM | 09228F103 |  | 90280 | 18500 | SH |  | SOLE |  | 0 | 0 | 18500 |
| BLACKROCK INC | COM | 09290D101 |  | 320688 | 275 | SH |  | SOLE |  | 0 | 0 | 275 |
| BOEING CO | COM | 097023105 |  | 301730 | 1398 | SH |  | SOLE |  | 0 | 0 | 1398 |
| BRANDYWINE RLTY TR | SH BEN INT NEW | 105368203 |  | 47596 | 11414 | SH |  | SOLE |  | 0 | 0 | 11414 |
| BROADCOM INC | COM | 11135F101 |  | 793100 | 2404 | SH |  | SOLE |  | 0 | 0 | 2404 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 |  | 1362538 | 3879 | SH |  | SOLE |  | 0 | 0 | 3879 |
| CAPITAL GRP FIXED INCM ETF T | SHORT DURATION | 14020Y409 |  | 1386964 | 53386 | SH |  | SOLE |  | 0 | 0 | 53386 |
| CAPITAL GRP FIXED INCM ETF T | CORE BOND ETF | 14020Y508 |  | 7809504 | 293811 | SH |  | SOLE |  | 0 | 0 | 293811 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 334850 | 1575 | SH |  | SOLE |  | 0 | 0 | 1575 |
| CATERPILLAR INC | COM | 149123101 |  | 311427 | 653 | SH |  | SOLE |  | 0 | 0 | 653 |
| CHEVRON CORP NEW | COM | 166764100 |  | 608703 | 3920 | SH |  | SOLE |  | 0 | 0 | 3920 |
| CISCO SYS INC | COM | 17275R102 |  | 600060 | 8770 | SH |  | SOLE |  | 0 | 0 | 8770 |
| CINTAS CORP | COM | 172908105 |  | 381733 | 1860 | SH |  | SOLE |  | 0 | 0 | 1860 |
| CITIGROUP INC | COM NEW | 172967424 |  | 352233 | 3470 | SH |  | SOLE |  | 0 | 0 | 3470 |
| COCA COLA CO | COM | 191216100 |  | 473294 | 7137 | SH |  | SOLE |  | 0 | 0 | 7137 |
| COINBASE GLOBAL INC | COM CL A | 19260Q107 |  | 254011 | 753 | SH |  | SOLE |  | 0 | 0 | 753 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 202423 | 6442 | SH |  | SOLE |  | 0 | 0 | 6442 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 364878 | 3857 | SH |  | SOLE |  | 0 | 0 | 3857 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2150149 | 2323 | SH |  | SOLE |  | 0 | 0 | 2323 |
| CUMMINS INC | COM | 231021106 |  | 223912 | 530 | SH |  | SOLE |  | 0 | 0 | 530 |
| D R HORTON INC | COM | 23331A109 |  | 205909 | 1215 | SH |  | SOLE |  | 0 | 0 | 1215 |
| DANAHER CORPORATION | COM | 235851102 |  | 242672 | 1224 | SH |  | SOLE |  | 0 | 0 | 1224 |
| DEERE  CO | COM | 244199105 |  | 304826 | 667 | SH |  | SOLE |  | 0 | 0 | 667 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 1722275 | 37637 | SH |  | SOLE |  | 0 | 0 | 37637 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 6879027 | 189244 | SH |  | SOLE |  | 0 | 0 | 189244 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 1491154 | 47293 | SH |  | SOLE |  | 0 | 0 | 47293 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 4223444 | 58303 | SH |  | SOLE |  | 0 | 0 | 58303 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 876095 | 12797 | SH |  | SOLE |  | 0 | 0 | 12797 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 |  | 553391 | 9980 | SH |  | SOLE |  | 0 | 0 | 9980 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 479315 | 8883 | SH |  | SOLE |  | 0 | 0 | 8883 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 |  | 247509 | 4454 | SH |  | SOLE |  | 0 | 0 | 4454 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2684647 | 46120 | SH |  | SOLE |  | 0 | 0 | 46120 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 1270090 | 17655 | SH |  | SOLE |  | 0 | 0 | 17655 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 4969781 | 128851 | SH |  | SOLE |  | 0 | 0 | 128851 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 8360049 | 187068 | SH |  | SOLE |  | 0 | 0 | 187068 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 654607 | 20412 | SH |  | SOLE |  | 0 | 0 | 20412 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 753177 | 23812 | SH |  | SOLE |  | 0 | 0 | 23812 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1320070 | 36987 | SH |  | SOLE |  | 0 | 0 | 36987 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1324102 | 40381 | SH |  | SOLE |  | 0 | 0 | 40381 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 11071153 | 240051 | SH |  | SOLE |  | 0 | 0 | 240051 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 388438 | 12200 | SH |  | SOLE |  | 0 | 0 | 12200 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 484941 | 12839 | SH |  | SOLE |  | 0 | 0 | 12839 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2347500 | 48713 | SH |  | SOLE |  | 0 | 0 | 48713 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 696207 | 16282 | SH |  | SOLE |  | 0 | 0 | 16282 |
| DISNEY WALT CO | COM | 254687106 |  | 498903 | 4357 | SH |  | SOLE |  | 0 | 0 | 4357 |
| DOORDASH INC | CL A | 25809K105 |  | 377794 | 1389 | SH |  | SOLE |  | 0 | 0 | 1389 |
| ENEL CHILE S.A. | SPONSORED ADR | 29278D105 |  | 66099 | 16992 | SH |  | SOLE |  | 0 | 0 | 16992 |
| EXCHANGE TRADED CONCEPTS TRU | BITWISE CRYPTO | 301505624 |  | 238190 | 9501 | SH |  | SOLE |  | 0 | 0 | 9501 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1565673 | 13886 | SH |  | SOLE |  | 0 | 0 | 13886 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3710764 | 5053 | SH |  | SOLE |  | 0 | 0 | 5053 |
| FASTENAL CO | COM | 311900104 |  | 215247 | 4389 | SH |  | SOLE |  | 0 | 0 | 4389 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 630300 | 6315 | SH |  | SOLE |  | 0 | 0 | 6315 |
| FORD MTR CO | COM | 345370860 |  | 166217 | 13898 | SH |  | SOLE |  | 0 | 0 | 13898 |
| GE VERNOVA INC | COM | 36828A101 |  | 206008 | 335 | SH |  | SOLE |  | 0 | 0 | 335 |
| GE AEROSPACE | COM NEW | 369604301 |  | 396884 | 1319 | SH |  | SOLE |  | 0 | 0 | 1319 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 881553 | 7942 | SH |  | SOLE |  | 0 | 0 | 7942 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 437482 | 9185 | SH |  | SOLE |  | 0 | 0 | 9185 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 378024 | 475 | SH |  | SOLE |  | 0 | 0 | 475 |
| HSBC HLDGS PLC | SPON ADR NEW | 404280406 |  | 359385 | 5063 | SH |  | SOLE |  | 0 | 0 | 5063 |
| HP INC | COM | 40434L105 |  | 378703 | 13908 | SH |  | SOLE |  | 0 | 0 | 13908 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 |  | 687928 | 28010 | SH |  | SOLE |  | 0 | 0 | 28010 |
| HOME DEPOT INC | COM | 437076102 |  | 573700 | 1416 | SH |  | SOLE |  | 0 | 0 | 1416 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 247851 | 1263 | SH |  | SOLE |  | 0 | 0 | 1263 |
| ING GROEP N.V. | SPONSORED ADR | 456837103 |  | 270020 | 10354 | SH |  | SOLE |  | 0 | 0 | 10354 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 215997 | 1282 | SH |  | SOLE |  | 0 | 0 | 1282 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1180186 | 4183 | SH |  | SOLE |  | 0 | 0 | 4183 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1394498 | 2323 | SH |  | SOLE |  | 0 | 0 | 2323 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 219143 | 490 | SH |  | SOLE |  | 0 | 0 | 490 |
| INTUIT | COM | 461202103 |  | 220602 | 323 | SH |  | SOLE |  | 0 | 0 | 323 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 1447009 | 61825 | SH |  | SOLE |  | 0 | 0 | 61825 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 3015173 | 130753 | SH |  | SOLE |  | 0 | 0 | 130753 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 832707 | 11443 | SH |  | SOLE |  | 0 | 0 | 11443 |
| ISHARES TR | S 100 ETF | 464287101 |  | 206222 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2265442 | 3385 | SH |  | SOLE |  | 0 | 0 | 3385 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 405006 | 4532 | SH |  | SOLE |  | 0 | 0 | 4532 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 11629726 | 120565 | SH |  | SOLE |  | 0 | 0 | 120565 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 582862 | 4093 | SH |  | SOLE |  | 0 | 0 | 4093 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 523676 | 5424 | SH |  | SOLE |  | 0 | 0 | 5424 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 966642 | 3565 | SH |  | SOLE |  | 0 | 0 | 3565 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 424503 | 2940 | SH |  | SOLE |  | 0 | 0 | 2940 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 414882 | 886 | SH |  | SOLE |  | 0 | 0 | 886 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 308324 | 844 | SH |  | SOLE |  | 0 | 0 | 844 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 304985 | 1260 | SH |  | SOLE |  | 0 | 0 | 1260 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 280558 | 1432 | SH |  | SOLE |  | 0 | 0 | 1432 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 288402 | 2427 | SH |  | SOLE |  | 0 | 0 | 2427 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 271281 | 3536 | SH |  | SOLE |  | 0 | 0 | 3536 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 305393 | 5354 | SH |  | SOLE |  | 0 | 0 | 5354 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 393787 | 3672 | SH |  | SOLE |  | 0 | 0 | 3672 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 256553 | 1226 | SH |  | SOLE |  | 0 | 0 | 1226 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 1374818 | 5024 | SH |  | SOLE |  | 0 | 0 | 5024 |
| ISHARES TR | MSCI INDIA ETF | 46429B598 |  | 423003 | 8125 | SH |  | SOLE |  | 0 | 0 | 8125 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 3506780 | 51945 | SH |  | SOLE |  | 0 | 0 | 51945 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1180775 | 12699 | SH |  | SOLE |  | 0 | 0 | 12699 |
| ISHARES TR | IBONDS 25 TRM HG | 46435U168 |  | 750842 | 32336 | SH |  | SOLE |  | 0 | 0 | 32336 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 223900 | 4967 | SH |  | SOLE |  | 0 | 0 | 4967 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 813126 | 15394 | SH |  | SOLE |  | 0 | 0 | 15394 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 |  | 1090863 | 46638 | SH |  | SOLE |  | 0 | 0 | 46638 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1836031 | 5821 | SH |  | SOLE |  | 0 | 0 | 5821 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 550429 | 2969 | SH |  | SOLE |  | 0 | 0 | 2969 |
| KLA CORP | COM NEW | 482480100 |  | 283693 | 263 | SH |  | SOLE |  | 0 | 0 | 263 |
| KKR  CO INC | COM | 48251W104 |  | 613368 | 4720 | SH |  | SOLE |  | 0 | 0 | 4720 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 |  | 480330 | 2746 | SH |  | SOLE |  | 0 | 0 | 2746 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 235346 | 8313 | SH |  | SOLE |  | 0 | 0 | 8313 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 259005 | 848 | SH |  | SOLE |  | 0 | 0 | 848 |
| ELI LILLY  CO | COM | 532457108 |  | 520447 | 682 | SH |  | SOLE |  | 0 | 0 | 682 |
| MARATHON PETE CORP | COM | 56585A102 |  | 306106 | 1588 | SH |  | SOLE |  | 0 | 0 | 1588 |
| MARQETA INC | CLASS A COM | 57142B104 |  | 2603663 | 493118 | SH |  | SOLE |  | 0 | 0 | 493118 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1052210 | 1850 | SH |  | SOLE |  | 0 | 0 | 1850 |
| MERCK  CO INC | COM | 58933Y105 |  | 226460 | 2698 | SH |  | SOLE |  | 0 | 0 | 2698 |
| MICROSOFT CORP | COM | 594918104 |  | 5590981 | 10794 | SH |  | SOLE |  | 0 | 0 | 10794 |
| MIZUHO FINANCIAL GROUP INC | SPONSORED ADR | 60687Y109 |  | 242218 | 36152 | SH |  | SOLE |  | 0 | 0 | 36152 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 337218 | 2121 | SH |  | SOLE |  | 0 | 0 | 2121 |
| NETFLIX INC | COM | 64110L106 |  | 900403 | 751 | SH |  | SOLE |  | 0 | 0 | 751 |
| NOMURA HLDGS INC | SPONSORED ADR | 65535H208 |  | 144695 | 19903 | SH |  | SOLE |  | 0 | 0 | 19903 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 341754 | 561 | SH |  | SOLE |  | 0 | 0 | 561 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 223569 | 4029 | SH |  | SOLE |  | 0 | 0 | 4029 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 24614395 | 131924 | SH |  | SOLE |  | 0 | 0 | 131924 |
| ORACLE CORP | COM | 68389X105 |  | 1269027 | 4512 | SH |  | SOLE |  | 0 | 0 | 4512 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 702499 | 3851 | SH |  | SOLE |  | 0 | 0 | 3851 |
| PEPSICO INC | COM | 713448108 |  | 258477 | 1840 | SH |  | SOLE |  | 0 | 0 | 1840 |
| PHILLIPS 66 | COM | 718546104 |  | 242274 | 1781 | SH |  | SOLE |  | 0 | 0 | 1781 |
| PORCH GROUP INC | COM | 733245104 |  | 894139 | 53286 | SH |  | SOLE |  | 0 | 0 | 53286 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 348265 | 2267 | SH |  | SOLE |  | 0 | 0 | 2267 |
| PROCEPT BIOROBOTICS CORP | COM | 74276L105 |  | 7494900 | 210000 | SH |  | SOLE |  | 0 | 0 | 210000 |
| PROGRESSIVE CORP | COM | 743315103 |  | 222998 | 903 | SH |  | SOLE |  | 0 | 0 | 903 |
| PROSHARES TR | LARGE CAP CRE | 74347R248 |  | 265238 | 3464 | SH |  | SOLE |  | 0 | 0 | 3464 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 655449 | 2269 | SH |  | SOLE |  | 0 | 0 | 2269 |
| QUALCOMM INC | COM | 747525103 |  | 210817 | 1267 | SH |  | SOLE |  | 0 | 0 | 1267 |
| RTX CORPORATION | COM | 75513E101 |  | 262558 | 1569 | SH |  | SOLE |  | 0 | 0 | 1569 |
| REALTY INCOME CORP | COM | 756109104 |  | 278094 | 4575 | SH |  | SOLE |  | 0 | 0 | 4575 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 259872 | 1815 | SH |  | SOLE |  | 0 | 0 | 1815 |
| SHELL PLC | SPON ADS | 780259305 |  | 236211 | 3302 | SH |  | SOLE |  | 0 | 0 | 3302 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4072439 | 6113 | SH |  | SOLE |  | 0 | 0 | 6113 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1935890 | 5446 | SH |  | SOLE |  | 0 | 0 | 5446 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 691841 | 17219 | SH |  | SOLE |  | 0 | 0 | 17219 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 235632 | 2658 | SH |  | SOLE |  | 0 | 0 | 2658 |
| SPDR SERIES TRUST | PORTFOLIO LN TSR | 78464A664 |  | 312377 | 11591 | SH |  | SOLE |  | 0 | 0 | 11591 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 866816 | 9448 | SH |  | SOLE |  | 0 | 0 | 9448 |
| SALESFORCE INC | COM | 79466L302 |  | 1137723 | 4801 | SH |  | SOLE |  | 0 | 0 | 4801 |
| SAP SE | SPON ADR | 803054204 |  | 265874 | 995 | SH |  | SOLE |  | 0 | 0 | 995 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 470493 | 18300 | SH |  | SOLE |  | 0 | 0 | 18300 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2669869 | 83669 | SH |  | SOLE |  | 0 | 0 | 83669 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5820622 | 199953 | SH |  | SOLE |  | 0 | 0 | 199953 |
| SCHWAB STRATEGIC TR | LONG TERM US | 808524680 |  | 16392841 | 507361 | SH |  | SOLE |  | 0 | 0 | 507361 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 392820 | 9144 | SH |  | SOLE |  | 0 | 0 | 9144 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 565959 | 18163 | SH |  | SOLE |  | 0 | 0 | 18163 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US B | 808524789 |  | 624272 | 24253 | SH |  | SOLE |  | 0 | 0 | 24253 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 377682 | 13835 | SH |  | SOLE |  | 0 | 0 | 13835 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 314152 | 13494 | SH |  | SOLE |  | 0 | 0 | 13494 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 256774 | 911 | SH |  | SOLE |  | 0 | 0 | 911 |
| SERVICENOW INC | COM | 81762P102 |  | 320257 | 348 | SH |  | SOLE |  | 0 | 0 | 348 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 220389 | 1483 | SH |  | SOLE |  | 0 | 0 | 1483 |
| SILVACO GROUP INC | COM | 82728C102 |  | 1006693 | 186080 | SH |  | SOLE |  | 0 | 0 | 186080 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 1635613 | 7252 | SH |  | SOLE |  | 0 | 0 | 7252 |
| SPINNAKER ETF SERIES | SELECT STOXX EUR | 84858T772 |  | 394266 | 8394 | SH |  | SOLE |  | 0 | 0 | 8394 |
| STARBUCKS CORP | COM | 855244109 |  | 577757 | 6829 | SH |  | SOLE |  | 0 | 0 | 6829 |
| SUMITOMO MITSUI FINL GROUP I | SPONSORED ADR | 86562M209 |  | 212096 | 12670 | SH |  | SOLE |  | 0 | 0 | 12670 |
| SYSCO CORP | COM | 871829107 |  | 248588 | 3019 | SH |  | SOLE |  | 0 | 0 | 3019 |
| TJX COS INC NEW | COM | 872540109 |  | 314862 | 2178 | SH |  | SOLE |  | 0 | 0 | 2178 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 420052 | 1504 | SH |  | SOLE |  | 0 | 0 | 1504 |
| TARGET CORP | COM | 87612E106 |  | 960945 | 10713 | SH |  | SOLE |  | 0 | 0 | 10713 |
| TESLA INC | COM | 88160R101 |  | 2055233 | 4621 | SH |  | SOLE |  | 0 | 0 | 4621 |
| TEXAS INSTRS INC | COM | 882508104 |  | 295131 | 1606 | SH |  | SOLE |  | 0 | 0 | 1606 |
| 3M CO | COM | 88579Y101 |  | 227073 | 1463 | SH |  | SOLE |  | 0 | 0 | 1463 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 255879 | 468 | SH |  | SOLE |  | 0 | 0 | 468 |
| UNITED RENTALS INC | COM | 911363109 |  | 261586 | 274 | SH |  | SOLE |  | 0 | 0 | 274 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 285708 | 827 | SH |  | SOLE |  | 0 | 0 | 827 |
| VALVOLINE INC | COM | 92047W101 |  | 227310 | 6330 | SH |  | SOLE |  | 0 | 0 | 6330 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 784857 | 10273 | SH |  | SOLE |  | 0 | 0 | 10273 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1190495 | 16206 | SH |  | SOLE |  | 0 | 0 | 16206 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1328185 | 17008 | SH |  | SOLE |  | 0 | 0 | 17008 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 18653464 | 250820 | SH |  | SOLE |  | 0 | 0 | 250820 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 501365 | 8367 | SH |  | SOLE |  | 0 | 0 | 8367 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 5456743 | 60922 | SH |  | SOLE |  | 0 | 0 | 60922 |
| VANGUARD MALVERN FDS | SHORT DURATION B | 922020730 |  | 304951 | 3979 | SH |  | SOLE |  | 0 | 0 | 3979 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 822824 | 3170 | SH |  | SOLE |  | 0 | 0 | 3170 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 790214 | 1058 | SH |  | SOLE |  | 0 | 0 | 1058 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 258714 | 3625 | SH |  | SOLE |  | 0 | 0 | 3625 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3660574 | 67563 | SH |  | SOLE |  | 0 | 0 | 67563 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 289846 | 3632 | SH |  | SOLE |  | 0 | 0 | 3632 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 950927 | 16724 | SH |  | SOLE |  | 0 | 0 | 16724 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 462269 | 5496 | SH |  | SOLE |  | 0 | 0 | 5496 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5440640 | 8884 | SH |  | SOLE |  | 0 | 0 | 8884 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2840845 | 16272 | SH |  | SOLE |  | 0 | 0 | 16272 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2793879 | 9510 | SH |  | SOLE |  | 0 | 0 | 9510 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 798795 | 8738 | SH |  | SOLE |  | 0 | 0 | 8738 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1866598 | 6272 | SH |  | SOLE |  | 0 | 0 | 6272 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3501376 | 16776 | SH |  | SOLE |  | 0 | 0 | 16776 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 405759 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 20300406 | 42327 | SH |  | SOLE |  | 0 | 0 | 42327 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 19913750 | 106782 | SH |  | SOLE |  | 0 | 0 | 106782 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 650152 | 2557 | SH |  | SOLE |  | 0 | 0 | 2557 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3032407 | 9240 | SH |  | SOLE |  | 0 | 0 | 9240 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 333692 | 7593 | SH |  | SOLE |  | 0 | 0 | 7593 |
| VISA INC | COM CL A | 92826C839 |  | 2235848 | 6549 | SH |  | SOLE |  | 0 | 0 | 6549 |
| WALMART INC | COM | 931142103 |  | 458843 | 4452 | SH |  | SOLE |  | 0 | 0 | 4452 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 256323 | 3058 | SH |  | SOLE |  | 0 | 0 | 3058 |
| WELLTOWER INC | COM | 95040Q104 |  | 247992 | 1392 | SH |  | SOLE |  | 0 | 0 | 1392 |

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