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
ADOBE INC COM 00724F101   209,914 416 SH   SOLE   416 0 0
AIRBNB INC COM CL A 009066101   4,490,211 27,220 SH   SOLE   27,220 0 0
ALPHABET INC CAP STK CL C 02079K107   820,529 5,389 SH   SOLE   5,389 0 0
ALPHABET INC CAP STK CL A 02079K305   260,958 1,729 SH   SOLE   1,729 0 0
AMAZON COM INC COM 023135106   1,126,112 6,243 SH   SOLE   6,243 0 0
AMERICAN TOWER CORP NEW COM 03027X100   295,792 1,497 SH   SOLE   1,497 0 0
APPLE INC COM 037833100   9,531,030 55,581 SH   SOLE   55,581 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   587,046 1,396 SH   SOLE   1,396 0 0
BLOCK INC CL A 852234103   3,344,547 39,543 SH   SOLE   39,543 0 0
BROADCOM INC COM 11135F101   292,916 221 SH   SOLE   221 0 0
CHEVRON CORP NEW COM 166764100   347,817 2,205 SH   SOLE   2,205 0 0
COMCAST CORP NEW CL A 20030N101   252,470 5,824 SH   SOLE   5,824 0 0
CONOCOPHILLIPS COM 20825C104   203,648 1,600 SH   SOLE   1,600 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   911,636 24,949 SH   SOLE   24,949 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,657,600 67,055 SH   SOLE   67,055 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,879,884 32,992 SH   SOLE   32,992 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   226,720 10,135 SH   SOLE   10,135 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   697,948 21,845 SH   SOLE   21,845 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   301,597 5,541 SH   SOLE   5,541 0 0
DISNEY WALT CO COM 254687106   252,796 2,066 SH   SOLE   2,066 0 0
EQUIFAX INC COM 294429105   211,608 791 SH   SOLE   791 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   2,660,728 53,687 SH   SOLE   53,687 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   2,956,932 49,780 SH   SOLE   49,780 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   2,865,603 34,743 SH   SOLE   34,743 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,135,735 23,870 SH   SOLE   23,870 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,235,168 86,400 SH   SOLE   86,400 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   3,216,955 46,108 SH   SOLE   46,108 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   3,664,588 54,042 SH   SOLE   54,042 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   4,432,869 28,445 SH   SOLE   28,445 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   895,998 17,109 SH   SOLE   17,109 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,376,741 32,455 SH   SOLE   32,455 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,443,423 103,316 SH   SOLE   103,316 0 0
HONEYWELL INTL INC COM 438516106   257,794 1,256 SH   SOLE   1,256 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   210,405 1,531 SH   SOLE   1,531 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   247,080 5,325 SH   SOLE   5,325 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   156,816 13,200 SH   SOLE   13,200 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   162,812 10,100 SH   SOLE   10,100 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   269,942 13,450 SH   SOLE   13,450 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   243,967 12,700 SH   SOLE   12,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   863,027 28,958 SH   SOLE   28,958 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   883,380 26,826 SH   SOLE   26,826 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   2,595,296 40,400 SH   SOLE   40,400 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   4,316,476 122,662 SH   SOLE   122,662 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,347,577 29,545 SH   SOLE   29,545 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,663,189 52,318 SH   SOLE   52,318 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,307,381 85,973 SH   SOLE   85,973 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   338,777 9,325 SH   SOLE   9,325 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   350,234 15,422 SH   SOLE   15,422 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   7,932,010 48,383 SH   SOLE   48,383 0 0
ISHARES TR FALN ANGLS USD 46435G474   720,761 26,834 SH   SOLE   26,834 0 0
ISHARES TR TRS FLT RT BD 46434V860   1,847,245 36,442 SH   SOLE   36,442 0 0
ISHARES TR IBONDS DEC 2031 46436E460   1,209,398 59,990 SH   SOLE   59,990 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   465,254 4,915 SH   SOLE   4,915 0 0
ISHARES TR 20 YR TR BD ETF 464287432   3,163,904 33,438 SH   SOLE   33,438 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833   237,337 10,820 SH   SOLE   10,820 0 0
ISHARES TR RUS TP200 GR ETF 464289438   470,386 2,411 SH   SOLE   2,411 0 0
ISHARES TR RUS TP200 VL ETF 464289420   285,513 3,741 SH   SOLE   3,741 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,384,174 34,901 SH   SOLE   34,901 0 0
ISHARES TR CORE US AGGBD ET 464287226   200,973 2,052 SH   SOLE   2,052 0 0
ISHARES TR DOW JONES US ETF 464287846   280,517 2,190 SH   SOLE   2,190 0 0
ISHARES TR IBOND DEC 2030 46436E593   531,176 27,352 SH   SOLE   27,352 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   447,440 18,800 SH   SOLE   18,800 0 0
ISHARES TR IBOXX HI YD ETF 464288513   204,041 2,625 SH   SOLE   2,625 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   329,130 13,800 SH   SOLE   13,800 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   392,232 17,700 SH   SOLE   17,700 0 0
ISHARES TR IBONDS DEC 2030 46436E726   233,260 10,900 SH   SOLE   10,900 0 0
ISHARES TR IBONDS DEC 29 46436E205   321,762 14,100 SH   SOLE   14,100 0 0
ISHARES TR IBONDS 29 TRM TS 46436E825   227,900 10,600 SH   SOLE   10,600 0 0
JPMORGAN CHASE & CO COM 46625H100   277,816 1,387 SH   SOLE   1,387 0 0
MARQETA INC CLASS A COM 57142B104   91,391 15,334 SH   SOLE   15,334 0 0
MASTERCARD INCORPORATED CL A 57636Q104   229,709 477 SH   SOLE   477 0 0
META PLATFORMS INC CL A 30303M102   671,072 1,382 SH   SOLE   1,382 0 0
MICROSOFT CORP COM 594918104   1,066,946 2,536 SH   SOLE   2,536 0 0
NVIDIA CORPORATION COM 67066G104   606,289 671 SH   SOLE   671 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   5,043,070 90,768 SH   SOLE   90,768 0 0
PROCTER AND GAMBLE CO COM 742718109   335,209 2,066 SH   SOLE   2,066 0 0
PROLOGIS INC. COM 74340W103   307,710 2,363 SH   SOLE   2,363 0 0
PUBLIC STORAGE COM 74460D109   206,233 711 SH   SOLE   711 0 0
REALTY INCOME CORP COM 756109104   200,549 3,707 SH   SOLE   3,707 0 0
SALESFORCE INC COM 79466L302   354,489 1,177 SH   SOLE   1,177 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,217,383 38,881 SH   SOLE   38,881 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,634,949 24,261 SH   SOLE   24,261 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,728,657 26,089 SH   SOLE   26,089 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   413,308 20,360 SH   SOLE   20,360 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   716,242 20,198 SH   SOLE   20,198 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,137,689 14,110 SH   SOLE   14,110 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   479,872 9,200 SH   SOLE   9,200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,747,498 13,192 SH   SOLE   13,192 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   512,512 14,300 SH   SOLE   14,300 0 0
SPDR SER TR S&P INS ETF 78464A789   303,047 5,820 SH   SOLE   5,820 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   212,646 8,300 SH   SOLE   8,300 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   7,312,634 21,258 SH   SOLE   21,258 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   453,230 2,907 SH   SOLE   2,907 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   278,226 1,450 SH   SOLE   1,450 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   524,083 3,218 SH   SOLE   3,218 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,078,325 4,149 SH   SOLE   4,149 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,903,722 73,350 SH   SOLE   73,350 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,205,398 44,934 SH   SOLE   44,934 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   515,497 10,275 SH   SOLE   10,275 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   277,662 2,116 SH   SOLE   2,116 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   350,190 2,659 SH   SOLE   2,659 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   444,022 2,172 SH   SOLE   2,172 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   593,791 2,195 SH   SOLE   2,195 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   595,426 1,874 SH   SOLE   1,874 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   213,786 5,095 SH   SOLE   5,095 0 0
VISA INC COM CL A 92826C839   471,924 1,691 SH   SOLE   1,691 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   1,952,720 66,318 SH   SOLE   66,318 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   8,704,698 173,090 SH   SOLE   173,090 0 0