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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T, Inc. COM 00206R102 1,313 85,586 SH   SOLE   85,586 0 0
Agilent Technologies Inc. COM 00846U101 443 3,646 SH   SOLE   3,646 0 0
Alibaba Group Holding Limited COM 01609w102 2,707 33,842 SH   SOLE   33,842 0 0
Alphabet Inc Cl A COM 02079k305 1,018 10,640 SH   SOLE   10,640 0 0
Alphabet Inc Cl C COM 02079k107 1,223 12,715 SH   SOLE   12,715 0 0
Amazon.Com Inc. COM 023135106 1,238 10,960 SH   SOLE   10,960 0 0
American Express Company COM 025816109 1,538 11,403 SH   SOLE   11,403 0 0
American International Group N COM 026874784 1,512 31,845 SH   SOLE   31,845 0 0
Amgen Inc. COM 031162100 475 2,107 SH   SOLE   2,107 0 0
Apollo Commercial Real Estate COM 03762U105 228 27,500 SH   SOLE   27,500 0 0
Apollo Global Management Inc. COM 03769m106 3,222 69,290 SH   SOLE   69,290 0 0
Apple Inc. COM 037833100 13,873 100,381 SH   SOLE   100,381 0 0
Applied Materials Inc COM 038222105 623 7,600 SH   SOLE   7,600 0 0
Autodesk Inc COM 052769106 265 1,420 SH   SOLE   1,420 0 0
BHP Billiton Ltd Adr F Sponsor COM 088606108 225 4,500 SH   SOLE   4,500 0 0
Banco Santander, S.A. (ADR) COM 05964h105 54 23,077 SH   SOLE   23,077 0 0
Bank of America Corp. COM 060505104 4,791 158,632 SH   SOLE   158,632 0 0
Becton Dickinson & Co COM 075887109 600 2,693 SH   SOLE   2,693 0 0
Berkshire Hathaway Cl B COM 084670702 2,158 8,083 SH   SOLE   8,083 0 0
Blackstone Group Inc. Cl A COM 09260D107 5,574 66,600 SH   SOLE   66,600 0 0
Blackstone Mortgage Trust, Inc COM 09257W100 322 13,800 SH   SOLE   13,800 0 0
Boeing Company COM 097023105 1,361 11,240 SH   SOLE   11,240 0 0
Bristol-Myers Squibb Co. COM 110122108 919 12,928 SH   SOLE   12,928 0 0
Brookfield Asset Management Cl COM 112585104 2,484 60,737 SH   SOLE   60,737 0 0
Byline Bancorp Inc. COM 124411109 1,089 53,791 SH   SOLE   53,791 0 0
CSX Corp. COM 126408103 304 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100 2,592 27,176 SH   SOLE   27,176 0 0
Carlyle Group COM 14316J108 3,410 131,960 SH   SOLE   131,960 0 0
Caterpillar Inc. COM 149123101 867 5,287 SH   SOLE   5,287 0 0
Charles Schwab Corp. COM 808513105 2,968 41,298 SH   SOLE   41,298 0 0
Chevron Corporation COM 166764100 544 3,784 SH   SOLE   3,784 0 0
Cisco Systems Inc COM 17275R102 1,666 41,656 SH   SOLE   41,656 0 0
Citigroup Inc. COM 172967424 1,624 38,975 SH   SOLE   38,975 0 0
Coca-Cola Co. COM 191216100 237 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101 1,826 62,246 SH   SOLE   62,246 0 0
ConocoPhillips COM 20825C104 662 6,468 SH   SOLE   6,468 0 0
Costco Wholesale Corp. New COM 22160K105 2,339 4,952 SH   SOLE   4,952 0 0
DXC Technology Company Com. COM 23355l106 258 10,529 SH   SOLE   10,529 0 0
Danaher Corporation COM 235851102 457 1,770 SH   SOLE   1,770 0 0
Delaware Enhanced Global Divid COM 246060107 68 10,000 SH   SOLE   10,000 0 0
Dell Inc COM 24703l202 207 6,065 SH   SOLE   6,065 0 0
Diageo Plc New (ADR) COM 25243Q205 234 1,380 SH   SOLE   1,380 0 0
DraftKings Inc Com Cl A COM 26142v105 606 40,000 SH   SOLE   40,000 0 0
Exxon Mobil Corp. COM 30231G102 964 11,043 SH   SOLE   11,043 0 0
FedEx Corp. COM 31428X106 1,981 13,345 SH   SOLE   13,345 0 0
General Electric Company COM 369604301 2,509 40,519 SH   SOLE   40,519 0 0
Goldman Sachs Group Inc. COM 38141G104 722 2,465 SH   SOLE   2,465 0 0
HP Inc. COM 40434l105 852 34,186 SH   SOLE   34,186 0 0
Hewlett Packard Enterprise Com COM 42824c109 365 30,492 SH   SOLE   30,492 0 0
Home Depot Inc. COM 437076102 3,753 13,602 SH   SOLE   13,602 0 0
Honeywell International Inc. COM 438516106 1,387 8,306 SH   SOLE   8,306 0 0
Host Hotels & Resorts, Inc. COM 44107P104 363 22,856 SH   SOLE   22,856 0 0
Humana Inc. COM 444859102 1,073 2,212 SH   SOLE   2,212 0 0
Intel Corp. COM 458140100 1,713 66,481 SH   SOLE   66,481 0 0
International Bancshares Corp. COM 459044103 10,998 258,775 SH   SOLE   258,775 0 0
International Business Machine COM 459200101 810 6,821 SH   SOLE   6,821 0 0
JPMorgan Chase & Co. COM 46625H100 3,522 33,707 SH   SOLE   33,707 0 0
Johnson & Johnson COM 478160104 1,451 8,881 SH   SOLE   8,881 0 0
Johnson Controls Inc. COM g51502105 421 8,556 SH   SOLE   8,556 0 0
KKR & Co. Inc. COM 48251w104 5,423 126,120 SH   SOLE   126,120 0 0
Koninklijke Philips Electronic COM 500472303 975 63,333 SH   SOLE   63,333 0 0
Lockheed Martin Corp. COM 539830109 801 2,073 SH   SOLE   2,073 0 0
Lowe's Companies, Inc. COM 548661107 616 3,280 SH   SOLE   3,280 0 0
Lumen Technologies, Inc. COM 550241103 2,518 345,883 SH   SOLE   345,883 0 0
Marriott International, Inc. C COM 571903202 315 2,250 SH   SOLE   2,250 0 0
Marsh & McLennan Companies, In COM 571748102 365 2,445 SH   SOLE   2,445 0 0
McDonald's Corp. COM 580135101 1,982 8,591 SH   SOLE   8,591 0 0
McKesson Corp. COM 58155Q103 690 2,030 SH   SOLE   2,030 0 0
Medtronic Inc. COM g5960L103 232 2,873 SH   SOLE   2,873 0 0
Merck & Co. Inc. New COM 58933Y105 352 4,082 SH   SOLE   4,082 0 0
Meta Platforms Inc. COM 30303m102 2,079 15,320 SH   SOLE   15,320 0 0
Microsoft Corp. COM 594918104 6,062 26,028 SH   SOLE   26,028 0 0
Morgan Stanley COM 617446448 247 3,120 SH   SOLE   3,120 0 0
Motorola Solutions Inc. COM 620076307 243 1,083 SH   SOLE   1,083 0 0
Netflix, Inc. COM 64110l106 1,143 4,854 SH   SOLE   4,854 0 0
Nike Inc. Cl B COM 654106103 500 6,016 SH   SOLE   6,016 0 0
Nokia Corp (ADR) COM 654902204 661 154,913 SH   SOLE   154,913 0 0
Oracle Corp. COM 68389X105 2,091 34,243 SH   SOLE   34,243 0 0
PNC Financial Services Group, COM 693475105 514 3,440 SH   SOLE   3,440 0 0
Paramount Global Class B COM 92556h206 813 42,714 SH   SOLE   42,714 0 0
PaySafe Ltd Com COM G6964L107 14 10,000 SH   SOLE   10,000 0 0
Paypal Holdings Inc. COM 70450y103 2,305 26,781 SH   SOLE   26,781 0 0
Pepsico, Inc. COM 713448108 622 3,809 SH   SOLE   3,809 0 0
Pfizer, Inc. COM 717081103 1,896 43,336 SH   SOLE   43,336 0 0
Philip Morris International In COM 718172109 429 5,170 SH   SOLE   5,170 0 0
Procter & Gamble Co. COM 742718109 2,010 15,923 SH   SOLE   15,923 0 0
Qualcomm Inc. COM 747525103 1,430 12,660 SH   SOLE   12,660 0 0
Qurate Retail Group COM 74915m100 32 16,100 SH   SOLE   16,100 0 0
Raytheon Technologies Corp COM 75513E101 366 4,465 SH   SOLE   4,465 0 0
Rio Tinto Plc COM 767204100 267 4,850 SH   SOLE   4,850 0 0
Roblox Corp Ordinary Shares Cl COM 771049103 1,823 50,863 SH   SOLE   50,863 0 0
SAP AG (ADR) COM 803054204 406 4,998 SH   SOLE   4,998 0 0
SJW Group Com COM 784305104 346 6,000 SH   SOLE   6,000 0 0
SOFI Technologies Inc. COM 83406f102 52 10,735 SH   SOLE   10,735 0 0
Schlumberger Ltd F COM 806857108 213 5,930 SH   SOLE   5,930 0 0
Scotts Co. Cl A COM 810186106 201 4,710 SH   SOLE   4,710 0 0
Sempra Energy COM 816851109 224 1,491 SH   SOLE   1,491 0 0
Shell PLC COM 780259305 1,078 21,673 SH   SOLE   21,673 0 0
Sony Corp. (ADR) COM 835699307 1,024 15,985 SH   SOLE   15,985 0 0
Stellantis N.V. COM N82405106 410 34,600 SH   SOLE   34,600 0 0
TE Connectivity Ltd. F COM h84989104 1,058 9,590 SH   SOLE   9,590 0 0
Tapestry Inc. COM 876030107 224 7,879 SH   SOLE   7,879 0 0
Target Corp. COM 87612E106 284 1,915 SH   SOLE   1,915 0 0
Tesla Motors Inc. COM 88160r101 466 1,758 SH   SOLE   1,758 0 0
Teva Pharmaceutical Industries COM 881624209 158 19,620 SH   SOLE   19,620 0 0
The Walt Disney Co. COM 254687106 2,008 21,289 SH   SOLE   21,289 0 0
Thermo Fisher Scientific Inc. COM 883556102 1,049 2,068 SH   SOLE   2,068 0 0
Two Harbors Investment Corp COM 90187B408 33 10,000 SH   SOLE   10,000 0 0
UBS Group CHF0.10 COM H42097107 574 39,580 SH   SOLE   39,580 0 0
UnitedHealth Group, Inc. COM 91324P102 7,029 13,918 SH   SOLE   13,918 0 0
VMWare, Inc. COM 928563402 311 2,917 SH   SOLE   2,917 0 0
Verizon Communications Inc. COM 92343V104 279 7,341 SH   SOLE   7,341 0 0
Visa, Inc. Cl A COM 92826C839 362 2,039 SH   SOLE   2,039 0 0
WPP PLC F Sponsored ADR COM 92937A102 303 7,350 SH   SOLE   7,350 0 0
Wal-Mart Inc. COM 931142103 1,381 10,650 SH   SOLE   10,650 0 0
Warner Bros. Discovery Inc. Se COM 934423104 1,851 160,942 SH   SOLE   160,942 0 0
Waste Management Inc. COM 94106L109 873 5,450 SH   SOLE   5,450 0 0
WeWork Inc. COM 96209A104 3,323 1,254,091 SH   SOLE   1,254,091 0 0
Wells Fargo & Co. New COM 949746101 2,245 55,818 SH   SOLE   55,818 0 0
Yum China Holdings Inc. COM 98850p109 508 10,730 SH   SOLE   10,730 0 0
Yum! Brands, Inc. COM 988498101 1,151 10,820 SH   SOLE   10,820 0 0
eBay, Inc. COM 278642103 712 19,355 SH   SOLE   19,355 0 0
ARK Innovations ETF COM 00214q104 303 8,030 SH   SOLE   8,030 0 0
Aberdeen Asia-Pacific Income E COM 003009107 38 15,051 SH   SOLE   15,051 0 0
Aberdeen Total Dynamic Dividen COM 00326l100 78 10,864 SH   SOLE   10,864 0 0
Avantis Emerging Markets Equit COM 025072604 2,917 63,507 SH   SOLE   63,507 0 0
Avantis International Equity E COM 025072703 2,628 57,614 SH   SOLE   57,614 0 0
Avantis U.S. Equity ETF COM 025072885 3,157 50,641 SH   SOLE   50,641 0 0
Avantis U.S. Large Cap Value E COM 025072349 2,024 45,573 SH   SOLE   45,573 0 0
Avantis US Small Cap ValueETF COM 025072877 1,002 15,152 SH   SOLE   15,152 0 0
Capital Group International Fo COM 14019w109 6,668 356,371 SH   SOLE   356,371 0 0
Dimensional Emerging Core Equi COM 25434v302 1,993 99,209 SH   SOLE   99,209 0 0
Dimensional Intl Core Equity M COM 25434v203 426 19,765 SH   SOLE   19,765 0 0
Dimensional US Target Value ET COM 25434v609 1,743 44,726 SH   SOLE   44,726 0 0
Direxion Daily Financial Bull COM 25459y694 651 12,000 SH   SOLE   12,000 0 0
ETFMG Prime Mobile Payments ET COM 26924G409 1,634 43,284 SH   SOLE   43,284 0 0
Eaton Vance Tax-Managed Global COM 27829F108 138 18,992 SH   SOLE   18,992 0 0
Energy Select Sector SPDR COM 81369Y506 7,249 100,646 SH   SOLE   100,646 0 0
Financial Select Sector SPDR COM 81369Y605 1,222 40,243 SH   SOLE   40,243 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660 684 36,569 SH   SOLE   36,569 0 0
Global X MLP & Energy Infrastr COM 37954y293 4,033 107,610 SH   SOLE   107,610 0 0
Global X Robotics & AI Themati COM 37954y715 4,311 238,431 SH   SOLE   238,431 0 0
Goldman Sachs Innovative Equit COM 38149W820 4,414 113,601 SH   SOLE   113,601 0 0
Harbor Long Term Growers ETF COM 41151j406 308 22,190 SH   SOLE   22,190 0 0
Health Care Sector Select SPDR COM 81369Y209 1,444 11,922 SH   SOLE   11,922 0 0
Industrial Select Sector SPDR COM 81369y704 1,271 15,345 SH   SOLE   15,345 0 0
Invesco Dynamic Leisure & Ente COM 46137V720 399 11,520 SH   SOLE   11,520 0 0
Invesco KBW Bank ETF COM 46138e628 14,614 297,523 SH   SOLE   297,523 0 0
Invesco KBW Regional Banking COM 46138e578 363 6,575 SH   SOLE   6,575 0 0
Invesco NASDAQ 100 ETF COM 46138G649 2,461 22,383 SH   SOLE   22,383 0 0
Invesco QQQ Trust Series 1 COM 46090e103 11,495 43,012 SH   SOLE   43,012 0 0
Invesco S&P 500 Pure Growth ET COM 46137v266 383 2,650 SH   SOLE   2,650 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258 2,092 29,956 SH   SOLE   29,956 0 0
Invesco Water Resources COM 46137v142 229 5,000 SH   SOLE   5,000 0 0
KraneShares CSI China Internet COM 500767306 315 12,800 SH   SOLE   12,800 0 0
Materials Select Sector SPDR E COM 81369Y100 846 12,440 SH   SOLE   12,440 0 0
PIMCO Dynamic Income COM 72201y101 898 46,350 SH   SOLE   46,350 0 0
Robo Global Healthcare Tech & COM 301505723 5,435 200,846 SH   SOLE   200,846 0 0
Robo Global Robotics & Automat COM 301505707 895 21,659 SH   SOLE   21,659 0 0
Royce Value Trust Inc. COM 780910105 331 26,394 SH   SOLE   26,394 0 0
SPDR Dow Jones Global Real Est COM 78463x749 1,705 44,072 SH   SOLE   44,072 0 0
SPDR Dow Jones Industrial Aver COM 78467x109 1,030 3,585 SH   SOLE   3,585 0 0
SPDR Gold Trust ETF COM 78463v107 489 3,160 SH   SOLE   3,160 0 0
SPDR KBW Regional Banking ETF COM 78464A698 912 15,490 SH   SOLE   15,490 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839 616 10,655 SH   SOLE   10,655 0 0
SPDR S&P 500 Index ETF COM 78462F103 2,307 6,459 SH   SOLE   6,459 0 0
SPDR S&P Bank ETF COM 78464A797 236 5,327 SH   SOLE   5,327 0 0
SPDR S&P Global Natural Resour COM 78463X541 3,482 70,399 SH   SOLE   70,399 0 0
SPDR S&P Kensho New Economies COM 78468R648 541 14,011 SH   SOLE   14,011 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107 1,171 2,915 SH   SOLE   2,915 0 0
SPDR Series Trust Biotech COM 78464a870 289 3,640 SH   SOLE   3,640 0 0
Schwab 1000 Index ETF COM 808524722 410 11,845 SH   SOLE   11,845 0 0
Schwab Emerging Markets Equity COM 808524706 396 17,695 SH   SOLE   17,695 0 0
Schwab Fundamental Intl Large COM 808524755 281 11,170 SH   SOLE   11,170 0 0
Schwab Fundamental US Large Co COM 808524771 454 9,500 SH   SOLE   9,500 0 0
Schwab International Equity ET COM 808524805 537 19,098 SH   SOLE   19,098 0 0
Schwab International Small Cap COM 808524888 989 35,653 SH   SOLE   35,653 0 0
Schwab Strategic US Large Cap COM 808524300 328 5,870 SH   SOLE   5,870 0 0
Schwab US Broad Market ETF COM 808524102 848 20,187 SH   SOLE   20,187 0 0
Schwab US Large Cap Value ETF COM 808524409 848 14,493 SH   SOLE   14,493 0 0
Schwab US Mid Cap ETF COM 808524508 639 10,559 SH   SOLE   10,559 0 0
Select Sector SPDR TR Communic COM 81369y852 245 5,125 SH   SOLE   5,125 0 0
Technology Select Sector SPDR COM 81369Y803 520 4,382 SH   SOLE   4,382 0 0
The Emerging Mkts Internet & E COM 301505889 5,831 218,813 SH   SOLE   218,813 0 0
Vanguard Dividend Appreciation COM 921908844 600 4,439 SH   SOLE   4,439 0 0
Vanguard Emerging Markets ETF COM 922042858 3,700 101,400 SH   SOLE   101,400 0 0
Vanguard Energy ETF COM 92204A306 682 6,713 SH   SOLE   6,713 0 0
Vanguard European ETF COM 922042874 1,724 37,355 SH   SOLE   37,355 0 0
Vanguard Extended Market Index COM 922908652 7,398 58,204 SH   SOLE   58,204 0 0
Vanguard FTSE All World Ex-US COM 922042775 4,062 91,560 SH   SOLE   91,560 0 0
Vanguard FTSE All-World Ex-US COM 922042718 1,609 17,332 SH   SOLE   17,332 0 0
Vanguard FTSE Developed Market COM 921943858 451 12,415 SH   SOLE   12,415 0 0
Vanguard Financials ETF COM 92204A405 4,265 57,290 SH   SOLE   57,290 0 0
Vanguard Global ex-US Real Est COM 922042676 2,128 55,778 SH   SOLE   55,778 0 0
Vanguard Growth ETF COM 922908736 2,343 10,951 SH   SOLE   10,951 0 0
Vanguard Health Care ETF COM 92204A504 1,110 4,961 SH   SOLE   4,961 0 0
Vanguard High Dividend Yield E COM 921946406 669 7,049 SH   SOLE   7,049 0 0
Vanguard Index Fund Small Cap COM 922908611 500 3,490 SH   SOLE   3,490 0 0
Vanguard Large Cap Index FDS E COM 922908637 245 1,500 SH   SOLE   1,500 0 0
Vanguard Mega Cap 300 Growth I COM 921910816 6,495 37,265 SH   SOLE   37,265 0 0
Vanguard Mega Cap 300 Index ET COM 921910873 415 3,321 SH   SOLE   3,321 0 0
Vanguard Mega Cap 300 Value In COM 921910840 8,191 91,101 SH   SOLE   91,101 0 0
Vanguard Mid Cap Growth ETF COM 922908538 1,597 9,364 SH   SOLE   9,364 0 0
Vanguard Mid-Cap ETF COM 922908629 15,809 84,102 SH   SOLE   84,102 0 0
Vanguard Mid-Cap Value ETF COM 922908512 4,024 33,045 SH   SOLE   33,045 0 0
Vanguard REIT ETF COM 922908553 966 12,045 SH   SOLE   12,045 0 0
Vanguard S&P 500 ETF COM 922908363 433 1,319 SH   SOLE   1,319 0 0
Vanguard Small Cap ETF COM 922908751 2,391 13,988 SH   SOLE   13,988 0 0
Vanguard Small Cap Growth ETF COM 922908595 358 1,833 SH   SOLE   1,833 0 0
Vanguard Total International S COM 921909768 3,837 83,824 SH   SOLE   83,824 0 0
Vanguard Total Stock Mkt ETF COM 922908769 2,768 15,423 SH   SOLE   15,423 0 0
Vanguard Value ETF COM 922908744 11,199 90,692 SH   SOLE   90,692 0 0
Voya Emerging Mkts High Divid COM 92912p108 79 16,035 SH   SOLE   16,035 0 0
Wells Fargo Advantage Global D COM 94987C103 52 12,613 SH   SOLE   12,613 0 0
WisdomTree China Ex-State-Owne COM 97717X719 2,031 64,309 SH   SOLE   64,309 0 0
X-Trackers International Real COM 233051846 200 10,302 SH   SOLE   10,302 0 0
iShares Core Dividend Growth COM 46434v621 222 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842 932 17,701 SH   SOLE   17,701 0 0
iShares Core High Dividend ETF COM 46429B663 265 2,900 SH   SOLE   2,900 0 0
iShares Core MSCI Emerging Mkt COM 46434g103 6,838 159,104 SH   SOLE   159,104 0 0
iShares Core Russell US Growth COM 464287671 309 3,850 SH   SOLE   3,850 0 0
iShares Core S&P 500 ETF COM 464287200 2,473 6,894 SH   SOLE   6,894 0 0
iShares Core S&P Midcap ETF COM 464287507 4,850 22,119 SH   SOLE   22,119 0 0
iShares Core S&P Small Cap ETF COM 464287804 1,916 21,973 SH   SOLE   21,973 0 0
iShares Core S&P Total US Stoc COM 464287150 425 5,338 SH   SOLE   5,338 0 0
iShares DJ US Home Constructio COM 464288752 1,822 35,020 SH   SOLE   35,020 0 0
iShares Edge MSCI Intl Quality COM 46434V456 1,617 58,205 SH   SOLE   58,205 0 0
iShares Edge MSCI USA Quality COM 46432F339 1,815 17,460 SH   SOLE   17,460 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182 2,343 40,036 SH   SOLE   40,036 0 0
iShares MSCI Brazil Index ETF COM 464286400 1,866 62,970 SH   SOLE   62,970 0 0
iShares MSCI EAFE Growth ETF COM 464288885 792 10,920 SH   SOLE   10,920 0 0
iShares MSCI EAFE Index ETF COM 464287465 347 6,200 SH   SOLE   6,200 0 0
iShares MSCI EAFE Value Index COM 464288877 2,779 72,117 SH   SOLE   72,117 0 0
iShares MSCI EMU Index Fund ET COM 464286608 945 29,535 SH   SOLE   29,535 0 0
iShares MSCI Emerging Markets COM 464287234 378 10,825 SH   SOLE   10,825 0 0
iShares MSCI Japan Index ETF COM 46434g822 734 15,025 SH   SOLE   15,025 0 0
iShares Nasdaq Biotechnology COM 464287556 2,975 25,436 SH   SOLE   25,436 0 0
iShares Russell 1000 Growth In COM 464287614 2,076 9,865 SH   SOLE   9,865 0 0
iShares Russell 1000 Value Ind COM 464287598 4,908 36,091 SH   SOLE   36,091 0 0
iShares Russell 2000 Index ETF COM 464287655 3,061 18,558 SH   SOLE   18,558 0 0
iShares Russell 2000 Value Ind COM 464287630 748 5,805 SH   SOLE   5,805 0 0
iShares Russell 3000 Index Fun COM 464287689 273 1,317 SH   SOLE   1,317 0 0
iShares Russell Midcap Index F COM 464287499 356 5,730 SH   SOLE   5,730 0 0
iShares Russell Midcap Value I COM 464287473 1,894 19,721 SH   SOLE   19,721 0 0
iShares S&P 100 Index ETF COM 464287101 668 4,110 SH   SOLE   4,110 0 0
iShares S&P 500/Barra Growth E COM 464287309 775 13,394 SH   SOLE   13,394 0 0
iShares S&P 500/Barra Value ET COM 464287408 2,254 17,537 SH   SOLE   17,537 0 0
iShares S&P Global Healthcare COM 464287325 256 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291 4,537 107,570 SH   SOLE   107,570 0 0
iShares S&P Midcap 400/Growth COM 464287606 674 10,701 SH   SOLE   10,701 0 0
iShares S&P Midcap 400/Value E COM 464287705 3,069 34,096 SH   SOLE   34,096 0 0
iShares S&P Small Cap 600 Valu COM 464287879 383 4,645 SH   SOLE   4,645 0 0
iShares Silver Trust COM 46428q109 254 14,500 SH   SOLE   14,500 0 0
iShares Trust - iShares Core U COM 464287663 321 5,130 SH   SOLE   5,130 0 0
iShares Trust Core MSCI Total COM 46432F834 309 6,068 SH   SOLE   6,068 0 0
JP Morgan Ultra Short Income F COM 46641q837 1,978 39,435 SH   SOLE   39,435 0 0
PCM Fund, Inc. COM 69323T101 1,200 150,400 SH   SOLE   150,400 0 0
PIMCO Access Fund COM 72203T100 4,810 303,475 SH   SOLE   303,475 0 0
PIMCO Dynamic Income Opportuni COM 69355M107 16,402 1,243,544 SH   SOLE   1,243,544 0 0
PIMCO Short Maturity ETF COM 72201r833 8,855 89,569 SH   SOLE   89,569 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707 647 16,200 SH   SOLE   16,200 0 0
Vanguard Short Term Bond ETF COM 921937827 429 5,735 SH   SOLE   5,735 0 0
Vanguard Short-Term Corporate COM 92206c409 457 6,153 SH   SOLE   6,153 0 0
Vanguard Ultra Short Bond ETF COM 92203c303 480 9,800 SH   SOLE   9,800 0 0
iShares Short Maturity Bond ET COM 46431W507 605 12,280 SH   SOLE   12,280 0 0