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
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100   388,327 3,528 SH   SOLE 0 0 0 3,528
ABBVIE INC COM 00287Y109   911,844 5,884 SH   SOLE 0 0 0 5,884
ADOBE INC COM 00724F101   1,136,523 1,905 SH   SOLE 0 0 0 1,905
ADVANCED MICRO DEVICES INC COM 007903107   375,306 2,546 SH   SOLE 0 0 0 2,546
ALPHABET INC CAP STK CL A 02079K305   1,385,864 9,921 SH   SOLE 0 0 0 9,921
ALPHABET INC CAP STK CL C 02079K107   754,539 5,354 SH   SOLE 0 0 0 5,354
AMAZON COM INC COM 023135106   7,596,240 49,995 SH   SOLE 0 0 0 49,995
AMGEN INC COM 031162100   352,758 1,225 SH   SOLE 0 0 0 1,225
APPLE INC COM 037833100   27,596,579 143,337 SH   SOLE 0 0 0 143,337
AUTOZONE INC COM 053332102   206,849 80 SH   SOLE 0 0 0 80
BANK AMERICA CORP COM 060505104   252,998 7,514 SH   SOLE 0 0 0 7,514
BECTON DICKINSON & CO COM 075887109   201,891 828 SH   SOLE 0 0 0 828
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,365,444 9,436 SH   SOLE 0 0 0 9,436
BLACKROCK INC COM 09247X101   209,444 258 SH   SOLE 0 0 0 258
BOEING CO COM 097023105   203,836 782 SH   SOLE 0 0 0 782
BP PLC SPONSORED ADR 055622104   292,793 8,271 SH   SOLE 0 0 0 8,271
BRISTOL-MYERS SQUIBB CO COM 110122108   218,087 4,250 SH   SOLE 0 0 0 4,250
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,239,582 75,053 SH   SOLE 0 0 0 75,053
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   291,500 12,212 SH   SOLE 0 0 0 12,212
CATERPILLAR INC COM 149123101   245,406 830 SH   SOLE 0 0 0 830
CHEVRON CORP NEW COM 166764100   2,102,819 14,098 SH   SOLE 0 0 0 14,098
CISCO SYS INC COM 17275R102   382,537 7,572 SH   SOLE 0 0 0 7,572
COSTCO WHSL CORP NEW COM 22160K105   973,331 1,475 SH   SOLE 0 0 0 1,475
DBX ETF TR XTRACK MSCI EAFE 233051200   6,243,344 168,830 SH   SOLE 0 0 0 168,830
DEERE & CO COM 244199105   417,464 1,044 SH   SOLE 0 0 0 1,044
DISNEY WALT CO COM 254687106   293,984 3,256 SH   SOLE 0 0 0 3,256
ELECTRONIC ARTS INC COM 285512109   227,925 1,666 SH   SOLE 0 0 0 1,666
ELI LILLY & CO COM 532457108   448,416 769 SH   SOLE 0 0 0 769
EXXON MOBIL CORP COM 30231G102   879,220 8,794 SH   SOLE 0 0 0 8,794
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,533,015 57,524 SH   SOLE 0 0 0 57,524
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   273,941 16,248 SH   SOLE 0 0 0 16,248
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   529,355 8,873 SH   SOLE 0 0 0 8,873
FISERV INC COM 337738108   243,097 1,830 SH   SOLE 0 0 0 1,830
FORD MTR CO DEL COM 345370860   329,562 27,035 SH   SOLE 0 0 0 27,035
FRESENIUS MEDICAL CARE AG SPONSORED ADR 358029106   328,739 15,782 SH   SOLE 0 0 0 15,782
GENERAL DYNAMICS CORP COM 369550108   406,384 1,565 SH   SOLE 0 0 0 1,565
GILEAD SCIENCES INC COM 375558103   252,460 3,116 SH   SOLE 0 0 0 3,116
HEICO CORP NEW COM 422806109   626,045 3,500 SH   SOLE 0 0 0 3,500
HOME DEPOT INC COM 437076102   1,570,214 4,531 SH   SOLE 0 0 0 4,531
HONEYWELL INTL INC COM 438516106   312,468 1,490 SH   SOLE 0 0 0 1,490
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   634,608 25,517 SH   SOLE 0 0 0 25,517
INGREDION INC COM 457187102   252,115 2,323 SH   SOLE 0 0 0 2,323
INTEL CORP COM 458140100   1,967,840 39,161 SH   SOLE 0 0 0 39,161
INTERNATIONAL BUSINESS MACHS COM 459200101   410,474 2,510 SH   SOLE 0 0 0 2,510
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   1,515,614 60,673 SH   SOLE 0 0 0 60,673
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   925,607 14,772 SH   SOLE 0 0 0 14,772
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   20,183,452 119,755 SH   SOLE 0 0 0 119,755
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   801,418 22,768 SH   SOLE 0 0 0 22,768
INVESCO QQQ TR UNIT SER 1 46090E103   28,990,843 70,792 SH   SOLE 0 0 0 70,792
ISHARES INC CORE MSCI EMKT 46434G103   682,932 13,502 SH   SOLE 0 0 0 13,502
ISHARES INC MSCI EM ASIA ETF 464286426   206,227 3,119 SH   SOLE 0 0 0 3,119
ISHARES TR MSCI INDIA ETF 46429B598   432,603 8,863 SH   SOLE 0 0 0 8,863
ISHARES TR CORE MSCI TOTAL 46432F834   8,331,868 128,321 SH   SOLE 0 0 0 128,321
ISHARES TR MSCI USA MIN VOL 46429B697   2,608,899 33,435 SH   SOLE 0 0 0 33,435
ISHARES TR 0-5 YR TIPS ETF 46429B747   731,932 7,424 SH   SOLE 0 0 0 7,424
ISHARES TR CORE HIGH DV ETF 46429B663   245,259 2,405 SH   SOLE 0 0 0 2,405
ISHARES TR CORE INTL AGGR 46435G672   5,105,505 102,520 SH   SOLE 0 0 0 102,520
ISHARES TR ESG AW MSCI EAFE 46435G516   234,174 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR CORE TOTAL USD 46434V613   7,396,710 160,554 SH   SOLE 0 0 0 160,554
ISHARES TR HDG MSCI EAFE 46434V803   304,387 9,660 SH   SOLE 0 0 0 9,660
ISHARES TR ESG MSCI LEADR 46435U218   207,182 2,455 SH   SOLE 0 0 0 2,455
ISHARES TR MSCI EAFE ETF 464287465   4,487,959 59,561 SH   SOLE 0 0 0 59,561
ISHARES TR CORE S&P MCP ETF 464287507   14,304,254 51,612 SH   SOLE 0 0 0 51,612
ISHARES TR S&P MC 400VL ETF 464287705   555,489 4,871 SH   SOLE 0 0 0 4,871
ISHARES TR CORE S&P SCP ETF 464287804   12,036,471 111,191 SH   SOLE 0 0 0 111,191
ISHARES TR S&P 500 VAL ETF 464287408   962,901 5,537 SH   SOLE 0 0 0 5,537
ISHARES TR CORE S&P500 ETF 464287200   51,940,865 108,747 SH   SOLE 0 0 0 108,747
ISHARES TR RUS 1000 ETF 464287622   3,722,552 14,194 SH   SOLE 0 0 0 14,194
ISHARES TR RUS 1000 GRW ETF 464287614   311,962 1,029 SH   SOLE 0 0 0 1,029
ISHARES TR RUSSELL 2000 ETF 464287655   10,791,834 53,768 SH   SOLE 0 0 0 53,768
ISHARES TR 1 3 YR TREAS BD 464287457   1,954,707 23,826 SH   SOLE 0 0 0 23,826
ISHARES TR 20 YR TR BD ETF 464287432   3,138,451 31,740 SH   SOLE 0 0 0 31,740
ISHARES TR RUS MID CAP ETF 464287499   7,515,359 96,685 SH   SOLE 0 0 0 96,685
ISHARES TR RUS MD CP GR ETF 464287481   402,484 3,853 SH   SOLE 0 0 0 3,853
ISHARES TR EAFE GRWTH ETF 464288885   6,027,025 62,231 SH   SOLE 0 0 0 62,231
ISHARES TR ISHARES SEMICDTR 464287523   428,073 743 SH   SOLE 0 0 0 743
ISHARES TR MSCI EMG MKT ETF 464287234   529,740 13,174 SH   SOLE 0 0 0 13,174
ISHARES TR SELECT DIVID ETF 464287168   561,425 4,789 SH   SOLE 0 0 0 4,789
ISHARES TR TIPS BD ETF 464287176   3,819,294 35,532 SH   SOLE 0 0 0 35,532
ISHARES TR CORE US AGGBD ET 464287226   1,095,925 11,042 SH   SOLE 0 0 0 11,042
ISHARES TR GL TIMB FORE ETF 464288174   535,473 6,586 SH   SOLE 0 0 0 6,586
ISHARES TR MODERT ALLOC ETF 464289875   3,297,554 79,440 SH   SOLE 0 0 0 79,440
ISHARES TR GRWT ALLOCAT ETF 464289867   3,360,385 63,177 SH   SOLE 0 0 0 63,177
ISHARES TR AGGRES ALLOC ETF 464289859   694,667 10,060 SH   SOLE 0 0 0 10,060
ISHARES TR CALIF MUN BD ETF 464288356   3,867,273 66,746 SH   SOLE 0 0 0 66,746
ISHARES TR US AER DEF ETF 464288760   1,631,047 12,883 SH   SOLE 0 0 0 12,883
ISHARES TR CORE S&P TTL STK 464287150   301,039 2,861 SH   SOLE 0 0 0 2,861
ISHARES TR IBOXX HI YD ETF 464288513   3,279,445 42,376 SH   SOLE 0 0 0 42,376
ISHARES TR ISHS 1-5YR INVS 464288646   3,605,576 70,318 SH   SOLE 0 0 0 70,318
ISHARES TR MBS ETF 464288588   1,917,350 20,380 SH   SOLE 0 0 0 20,380
ISHARES TR PFD AND INCM SEC 464288687   991,086 31,776 SH   SOLE 0 0 0 31,776
ISHARES TR NATIONAL MUN ETF 464288414   1,558,307 14,374 SH   SOLE 0 0 0 14,374
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   390,201 7,657 SH   SOLE 0 0 0 7,657
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   4,201,968 89,242 SH   SOLE 0 0 0 89,242
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   715,550 15,372 SH   SOLE 0 0 0 15,372
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   249,169 4,532 SH   SOLE 0 0 0 4,532
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   6,697,286 146,838 SH   SOLE 0 0 0 146,838
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   472,343 8,696 SH   SOLE 0 0 0 8,696
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   806,608 16,058 SH   SOLE 0 0 0 16,058
JOHNSON & JOHNSON COM 478160104   692,164 4,416 SH   SOLE 0 0 0 4,416
JPMORGAN CHASE & CO COM 46625H100   993,467 5,840 SH   SOLE 0 0 0 5,840
LABORATORY CORP AMER HLDGS COM NEW 50540R409   222,971 981 SH   SOLE 0 0 0 981
LAM RESEARCH CORP COM 512807108   517,735 661 SH   SOLE 0 0 0 661
LOWES COS INC COM 548661107   200,963 903 SH   SOLE 0 0 0 903
MASTERCARD INCORPORATED CL A 57636Q104   222,595 522 SH   SOLE 0 0 0 522
MCDONALDS CORP COM 580135101   713,107 2,405 SH   SOLE 0 0 0 2,405
MCKESSON CORP COM 58155Q103   297,696 643 SH   SOLE 0 0 0 643
MERCK & CO INC COM 58933Y105   268,843 2,466 SH   SOLE 0 0 0 2,466
META PLATFORMS INC CL A 30303M102   714,999 2,020 SH   SOLE 0 0 0 2,020
METTLER TOLEDO INTERNATIONAL COM 592688105   363,888 300 SH   SOLE 0 0 0 300
MICROSOFT CORP COM 594918104   3,400,394 9,043 SH   SOLE 0 0 0 9,043
MICROSTRATEGY INC CL A NEW 594972408   288,650 457 SH   SOLE 0 0 0 457
NETFLIX INC COM 64110L106   627,101 1,288 SH   SOLE 0 0 0 1,288
NOVO-NORDISK A S ADR 670100205   220,555 2,132 SH   SOLE 0 0 0 2,132
NVIDIA CORPORATION COM 67066G104   817,899 1,652 SH   SOLE 0 0 0 1,652
ORACLE CORP COM 68389X105   508,700 4,825 SH   SOLE 0 0 0 4,825
PALO ALTO NETWORKS INC COM 697435105   352,971 1,197 SH   SOLE 0 0 0 1,197
PEPSICO INC COM 713448108   1,473,022 8,673 SH   SOLE 0 0 0 8,673
PFIZER INC COM 717081103   246,359 8,557 SH   SOLE 0 0 0 8,557
PHILIP MORRIS INTL INC COM 718172109   301,620 3,206 SH   SOLE 0 0 0 3,206
PROCTER AND GAMBLE CO COM 742718109   702,215 4,792 SH   SOLE 0 0 0 4,792
PROSHARES TR BIG DATA REFINER 74347G457   305,371 9,273 SH   SOLE 0 0 0 9,273
PROSPECT CAP CORP COM 74348T102   299,500 50,000 SH   SOLE 0 0 0 50,000
SALESFORCE INC COM 79466L302   374,448 1,423 SH   SOLE 0 0 0 1,423
SARCOS TECHN AND ROBOTICS CO COM NEW 80359A205   9,480 13,143 SH   SOLE 0 0 0 13,143
SCHWAB CHARLES CORP COM 808513105   366,551 5,328 SH   SOLE 0 0 0 5,328
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,701,826 68,650 SH   SOLE 0 0 0 68,650
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,804,544 37,245 SH   SOLE 0 0 0 37,245
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,249,999 43,103 SH   SOLE 0 0 0 43,103
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   13,364,565 240,068 SH   SOLE 0 0 0 240,068
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,553,633 204,373 SH   SOLE 0 0 0 204,373
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,474,446 167,987 SH   SOLE 0 0 0 167,987
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,371,135 71,362 SH   SOLE 0 0 0 71,362
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,664,673 20,066 SH   SOLE 0 0 0 20,066
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   660,191 9,418 SH   SOLE 0 0 0 9,418
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,000,739 40,697 SH   SOLE 0 0 0 40,697
SCHWAB STRATEGIC TR US REIT ETF 808524847   453,810 21,913 SH   SOLE 0 0 0 21,913
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,208,878 95,710 SH   SOLE 0 0 0 95,710
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,183,813 68,293 SH   SOLE 0 0 0 68,293
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,321,129 345,739 SH   SOLE 0 0 0 345,739
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   282,095 8,092 SH   SOLE 0 0 0 8,092
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   339,004 6,125 SH   SOLE 0 0 0 6,125
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,216,609 35,786 SH   SOLE 0 0 0 35,786
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   213,425 2,500 SH   SOLE 0 0 0 2,500
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   384,673 4,497 SH   SOLE 0 0 0 4,497
SELECT SECTOR SPDR TR ENERGY 81369Y506   624,964 7,454 SH   SOLE 0 0 0 7,454
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   9,797,906 50,904 SH   SOLE 0 0 0 50,904
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,051,119 7,707 SH   SOLE 0 0 0 7,707
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   218,863 1,224 SH   SOLE 0 0 0 1,224
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   697,963 1,852 SH   SOLE 0 0 0 1,852
SPDR GOLD TR GOLD SHS 78463V107   3,005,384 15,721 SH   SOLE 0 0 0 15,721
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   18,842,141 696,825 SH   SOLE 0 0 0 696,825
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,706,519 28,837 SH   SOLE 0 0 0 28,837
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,093,086 10,038 SH   SOLE 0 0 0 10,038
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,269,508 15,238 SH   SOLE 0 0 0 15,238
SPDR SER TR BLOOMBERG HIGH Y 78468R622   743,194 7,845 SH   SOLE 0 0 0 7,845
SPDR SER TR BLOOMBERG INTL 78464A151   7,652,673 255,686 SH   SOLE 0 0 0 255,686
SPDR SER TR PORTFOLIO AGRGTE 78464A649   20,526,827 800,578 SH   SOLE 0 0 0 800,578
SPDR SER TR S&P DIVID ETF 78464A763   1,711,942 13,699 SH   SOLE 0 0 0 13,699
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,589,115 35,284 SH   SOLE 0 0 0 35,284
SPDR SER TR NUVEEN BLOOMBERG 78464A284   288,488 11,403 SH   SOLE 0 0 0 11,403
SPROTT FOCUS TR INC COM 85208J109   320,135 40,017 SH   SOLE 0 0 0 40,017
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,248,714 65,207 SH   SOLE 0 0 0 65,207
STARBUCKS CORP COM 855244109   368,726 3,840 SH   SOLE 0 0 0 3,840
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   291,928 2,807 SH   SOLE 0 0 0 2,807
TARGET CORP COM 87612E106   211,562 1,485 SH   SOLE 0 0 0 1,485
TESLA INC COM 88160R101   2,115,559 8,514 SH   SOLE 0 0 0 8,514
UNION PAC CORP COM 907818108   430,326 1,752 SH   SOLE 0 0 0 1,752
UNITEDHEALTH GROUP INC COM 91324P102   380,134 722 SH   SOLE 0 0 0 722
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   769,768 4,402 SH   SOLE 0 0 0 4,402
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   209,950 1,250 SH   SOLE 0 0 0 1,250
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,231,860 160,145 SH   SOLE 0 0 0 160,145
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,549,590 132,677 SH   SOLE 0 0 0 132,677
VANGUARD INDEX FDS LARGE CAP ETF 922908637   5,492,160 25,176 SH   SOLE 0 0 0 25,176
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   440,957 3,041 SH   SOLE 0 0 0 3,041
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,644,784 28,949 SH   SOLE 0 0 0 28,949
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   258,633 1,573 SH   SOLE 0 0 0 1,573
VANGUARD INDEX FDS VALUE ETF 922908744   9,063,701 60,627 SH   SOLE 0 0 0 60,627
VANGUARD INDEX FDS MID CAP ETF 922908629   1,684,554 7,241 SH   SOLE 0 0 0 7,241
VANGUARD INDEX FDS SM CP VAL ETF 922908611   230,408 1,280 SH   SOLE 0 0 0 1,280
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,300,338 26,034 SH   SOLE 0 0 0 26,034
VANGUARD INDEX FDS SMALL CP ETF 922908751   857,262 4,018 SH   SOLE 0 0 0 4,018
VANGUARD INDEX FDS GROWTH ETF 922908736   3,237,580 10,414 SH   SOLE 0 0 0 10,414
VANGUARD INDEX FDS TOTAL STK MKT 922908769   14,082,059 59,363 SH   SOLE 0 0 0 59,363
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,144,427 149,499 SH   SOLE 0 0 0 149,499
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   5,695,653 101,454 SH   SOLE 0 0 0 101,454
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,923,949 40,513 SH   SOLE 0 0 0 40,513
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   864,830 16,941 SH   SOLE 0 0 0 16,941
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   7,221,694 89,047 SH   SOLE 0 0 0 89,047
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   367,553 6,301 SH   SOLE 0 0 0 6,301
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   20,356,486 119,463 SH   SOLE 0 0 0 119,463
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,364,391 195,499 SH   SOLE 0 0 0 195,499
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,766,010 15,820 SH   SOLE 0 0 0 15,820
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,473,113 31,171 SH   SOLE 0 0 0 31,171
VANGUARD WORLD FD ESG US STK ETF 921910733   397,036 4,668 SH   SOLE 0 0 0 4,668
VANGUARD WORLD FD ESG INTL STK ETF 921910725   416,922 7,542 SH   SOLE 0 0 0 7,542
VANGUARD WORLD FDS MATERIALS ETF 92204A801   255,469 1,345 SH   SOLE 0 0 0 1,345
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,277,381 4,705 SH   SOLE 0 0 0 4,705
VISA INC COM CL A 92826C839   621,981 2,389 SH   SOLE 0 0 0 2,389
WALMART INC COM 931142103   604,458 3,834 SH   SOLE 0 0 0 3,834
WELLS FARGO CO NEW COM 949746101   859,578 17,464 SH   SOLE 0 0 0 17,464
WISDOMTREE TR EM EX ST-OWNED 97717X578   8,028,475 277,994 SH   SOLE 0 0 0 277,994
WISDOMTREE TR US QTLY DIV GRT 97717X669   4,762,678 67,767 SH   SOLE 0 0 0 67,767
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   869,067 24,866 SH   SOLE 0 0 0 24,866
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,721,251 66,518 SH   SOLE 0 0 0 66,518