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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   293,043 1,609 SH   SOLE   1,609 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   220,097 635 SH   SOLE   635 0 0
ADVANCED MICRO DEVICES INC COM 007903107   2,210,461 12,247 SH   SOLE   12,247 0 0
ALPHABET INC CAP STK CL C 02079K107   708,009 4,650 SH   SOLE   4,650 0 0
ALPHABET INC CAP STK CL A 02079K305   2,997,772 19,862 SH   SOLE   19,862 0 0
AMAZON COM INC COM 023135106   3,466,904 19,220 SH   SOLE   19,220 0 0
APPLE INC COM 037833100   4,591,548 26,776 SH   SOLE   26,776 0 0
BANCO SANTANDER S.A. ADR 05964H105   60,050 12,407 SH   SOLE   12,407 0 0
BANK AMERICA CORP COM 060505104   1,114,772 29,398 SH   SOLE   29,398 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,513,451 3,599 SH   SOLE   3,599 0 0
BROADCOM INC COM 11135F101   501,005 378 SH   SOLE   378 0 0
CHEVRON CORP NEW COM 166764100   784,943 4,976 SH   SOLE   4,976 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   3,918,474 14,780 SH   SOLE   14,780 0 0
CONOCOPHILLIPS COM 20825C104   202,630 1,592 SH   SOLE   1,592 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,417,639 1,935 SH   SOLE   1,935 0 0
DEERE & CO COM 244199105   964,828 2,349 SH   SOLE   2,349 0 0
ELI LILLY & CO COM 532457108   629,370 809 SH   SOLE   809 0 0
EXXON MOBIL CORP COM 30231G102   1,004,018 8,637 SH   SOLE   8,637 0 0
HOME DEPOT INC COM 437076102   339,870 886 SH   SOLE   886 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,521,912 181,825 SH   SOLE   174,800 0 7,025
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   626,672 52,750 SH   SOLE   52,750 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,271,633 60,124 SH   SOLE   58,277 0 1,848
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   7,011,654 106,302 SH   SOLE   102,128 0 4,174
ISHARES INC MSCI EMRG CHN 46434G764   467,526 8,121 SH   SOLE   8,121 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,208,863 23,428 SH   SOLE   23,427 0 1
ISHARES TR CORE INTL AGGR 46435G672   2,224,623 44,537 SH   SOLE   44,537 0 0
ISHARES TR CONV BD ETF 46435G102   458,065 5,738 SH   SOLE   5,738 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,160,584 42,584 SH   SOLE   42,403 0 181
ISHARES TR SHRT NAT MUN ETF 464288158   514,184 4,910 SH   SOLE   4,910 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,171,606 18,500 SH   SOLE   18,500 0 0
ISHARES TR CRE U S REIT ETF 464288521   375,099 6,972 SH   SOLE   6,894 0 78
ISHARES TR CORE US AGGBD ET 464287226   2,979,062 30,417 SH   SOLE   29,993 0 424
ISHARES TR TIPS BD ETF 464287176   250,325 2,331 SH   SOLE   2,331 0 0
ISHARES TR CORE S&P TTL STK 464287150   19,364,099 167,945 SH   SOLE   155,161 0 12,784
ISHARES TR PFD AND INCM SEC 464288687   2,228,658 69,149 SH   SOLE   66,505 0 2,644
ISHARES TR NATIONAL MUN ETF 464288414   2,228,719 20,713 SH   SOLE   20,713 0 0
ISHARES TR JPMORGAN USD EMG 464288281   983,858 10,972 SH   SOLE   10,614 0 358
ISHARES TR CORE S&P MCP ETF 464287507   259,056 4,265 SH   SOLE   4,265 0 0
ISHARES TR CORE S&P500 ETF 464287200   9,187,763 17,476 SH   SOLE   17,476 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   938,558 5,910 SH   SOLE   5,484 0 426
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   963,510 19,095 SH   SOLE   18,023 0 1,071
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   203,772 4,016 SH   SOLE   4,016 0 0
JOHNSON & JOHNSON COM 478160104   1,140,234 7,208 SH   SOLE   7,208 0 0
JPMORGAN CHASE & CO COM 46625H100   1,387,278 6,926 SH   SOLE   6,926 0 0
LOCKHEED MARTIN CORP COM 539830109   939,761 2,066 SH   SOLE   2,066 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105   43,409 22,035 SH   SOLE   22,035 0 0
MASTERCARD INCORPORATED CL A 57636Q104   307,242 638 SH   SOLE   638 0 0
MCDONALDS CORP COM 580135101   967,370 3,431 SH   SOLE   3,431 0 0
MERCK & CO INC COM 58933Y105   276,567 2,096 SH   SOLE   2,096 0 0
META PLATFORMS INC CL A 30303M102   3,025,649 6,231 SH   SOLE   6,231 0 0
MICROSOFT CORP COM 594918104   5,718,030 13,591 SH   SOLE   13,591 0 0
NETFLIX INC COM 64110L106   202,241 333 SH   SOLE   333 0 0
NVIDIA CORPORATION COM 67066G104   4,663,273 5,161 SH   SOLE   5,161 0 0
ORACLE CORP COM 68389X105   1,296,672 10,323 SH   SOLE   10,311 0 12
PROCTER AND GAMBLE CO COM 742718109   1,203,895 7,420 SH   SOLE   7,420 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   855,970 42,166 SH   SOLE   42,166 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   832,232 18,092 SH   SOLE   18,092 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,626,313 31,179 SH   SOLE   30,103 0 1,076
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   694,694 11,379 SH   SOLE   10,141 0 1,238
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   887,164 34,004 SH   SOLE   34,004 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,055,333 29,446 SH   SOLE   29,446 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   914,554 9,607 SH   SOLE   9,243 0 364
SPDR SER TR BBG CONV SEC ETF 78464A359   1,953,924 26,751 SH   SOLE   25,948 0 803
SPDR SER TR BLOOMBERG INVT 78468R200   1,547,221 50,186 SH   SOLE   49,051 0 1,135
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   298,518 7,089 SH   SOLE   7,075 0 14
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   201,898 1,484 SH   SOLE   1,484 0 0
TESLA INC COM 88160R101   851,175 4,842 SH   SOLE   4,836 0 6
UNITEDHEALTH GROUP INC COM 91324P102   1,218,539 2,463 SH   SOLE   2,463 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   16,784,561 231,097 SH   SOLE   216,054 0 15,042
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,198,386 28,673 SH   SOLE   27,073 0 1,601
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,290,175 168,534 SH   SOLE   162,894 0 5,640
VANGUARD INDEX FDS LARGE CAP ETF 922908637   424,615 1,771 SH   SOLE   1,771 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,209,575 4,654 SH   SOLE   4,654 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   651,135 2,606 SH   SOLE   2,606 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,121,757 47,661 SH   SOLE   45,323 0 2,338
VANGUARD INDEX FDS SMALL CP ETF 922908751   254,192 1,112 SH   SOLE   1,112 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,869,553 24,560 SH   SOLE   23,368 0 1,192
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,790,382 42,487 SH   SOLE   40,845 0 1,642
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,686,094 136,129 SH   SOLE   130,675 0 5,453
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,061,191 40,735 SH   SOLE   40,735 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,153,675 302,047 SH   SOLE   291,734 0 10,313
VISA INC COM CL A 92826C839   965,617 3,460 SH   SOLE   3,460 0 0
WALMART INC COM 931142103   227,021 3,773 SH   SOLE   3,773 0 0