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
AT&T, Inc. COM 00206R102   1,407,089 73,096 SH   SOLE   73,096 0 0
AbbVie Inc. COM 00287y109   235,708 1,479 SH   SOLE   1,479 0 0
Agilent Technologies Inc. COM 00846U101   504,388 3,646 SH   SOLE   3,646 0 0
Alibaba Group Holding Limited COM 01609w102   3,225,516 31,567 SH   SOLE   31,567 0 0
Alphabet Inc Cl A COM 02079k305   1,255,133 12,100 SH   SOLE   12,100 0 0
Alphabet Inc Cl C COM 02079k107   1,906,528 18,332 SH   SOLE   18,332 0 0
Amazon.Com Inc. COM 023135106   3,420,655 33,117 SH   SOLE   33,117 0 0
American Express Company COM 025816109   1,881,007 11,403 SH   SOLE   11,403 0 0
American International Group N COM 026874784   1,591,124 31,595 SH   SOLE   31,595 0 0
Amgen Inc. COM 031162100   509,367 2,107 SH   SOLE   2,107 0 0
Apollo Commercial Real Estate COM 03762U105   383,386 41,180 SH   SOLE   41,180 0 0
Apollo Global Management Inc. COM 03769m106   4,594,890 72,750 SH   SOLE   72,750 0 0
Apple Inc. COM 037833100   15,047,439 91,252 SH   SOLE   91,252 0 0
Applied Materials Inc COM 038222105   933,508 7,600 SH   SOLE   7,600 0 0
Autodesk Inc COM 052769106   295,587 1,420 SH   SOLE   1,420 0 0
BHP Billiton Ltd Adr F Sponsor COM 088606108   221,935 3,500 SH   SOLE   3,500 0 0
Banco Santander, S.A. (ADR) COM 05964h105   85,154 23,077 SH   SOLE   23,077 0 0
Bank of America Corp. COM 060505104   4,536,881 158,632 SH   SOLE   158,632 0 0
Becton Dickinson & Co COM 075887109   666,625 2,693 SH   SOLE   2,693 0 0
Berkshire Hathaway Cl B COM 084670702   2,461,514 7,972 SH   SOLE   7,972 0 0
Blackstone Group Inc. Cl A COM 09260D107   6,765,876 77,025 SH   SOLE   77,025 0 0
Boeing Company COM 097023105   2,304,865 10,850 SH   SOLE   10,850 0 0
Bristol-Myers Squibb Co. COM 110122108   879,379 12,688 SH   SOLE   12,688 0 0
Brookfield Asset Management Cl COM 113004105   565,074 17,270 SH   SOLE   17,270 0 0
Brookfield Corporation COM 11271J107   2,608,764 80,048 SH   SOLE   80,048 0 0
Byline Bancorp Inc. COM 124411109   1,054,861 48,791 SH   SOLE   48,791 0 0
CSX Corp. COM 126408103   341,316 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100   2,130,879 28,676 SH   SOLE   28,676 0 0
Carlyle Group COM 14316J108   4,607,130 148,330 SH   SOLE   148,330 0 0
Caterpillar Inc. COM 149123101   1,184,705 5,177 SH   SOLE   5,177 0 0
Charles Schwab Corp. COM 808513105   2,194,355 41,893 SH   SOLE   41,893 0 0
Chevron Corporation COM 166764100   592,923 3,634 SH   SOLE   3,634 0 0
Cisco Systems Inc COM 17275R102   2,177,559 41,656 SH   SOLE   41,656 0 0
Citigroup Inc. COM 172967424   1,740,791 37,125 SH   SOLE   37,125 0 0
Coca-Cola Co. COM 191216100   262,928 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101   2,711,551 71,526 SH   SOLE   71,526 0 0
ConocoPhillips COM 20825C104   636,234 6,413 SH   SOLE   6,413 0 0
Costco Wholesale Corp. New COM 22160K105   2,450,563 4,932 SH   SOLE   4,932 0 0
DXC Technology Company Com. COM 23355l106   269,121 10,529 SH   SOLE   10,529 0 0
Danaher Corporation COM 235851102   446,111 1,770 SH   SOLE   1,770 0 0
Dell Inc COM 24703l202   243,874 6,065 SH   SOLE   6,065 0 0
Diageo Plc New (ADR) COM 25243Q205   250,028 1,380 SH   SOLE   1,380 0 0
DraftKings Inc Com Cl A COM 26142v105   774,400 40,000 SH   SOLE   40,000 0 0
Exxon Mobil Corp. COM 30231G102   1,044,094 9,521 SH   SOLE   9,521 0 0
FedEx Corp. COM 31428X106   3,170,299 13,875 SH   SOLE   13,875 0 0
GE Healthcare Technologies Inc COM 36266g107   924,478 11,270 SH   SOLE   11,270 0 0
General Electric Company COM 369604301   3,790,827 39,653 SH   SOLE   39,653 0 0
Goldman Sachs Group Inc. COM 38141G104   847,215 2,590 SH   SOLE   2,590 0 0
HP Inc. COM 40434l105   994,554 33,886 SH   SOLE   33,886 0 0
Hewlett Packard Enterprise Com COM 42824c109   482,552 30,292 SH   SOLE   30,292 0 0
Home Depot Inc. COM 437076102   4,169,160 14,127 SH   SOLE   14,127 0 0
Honeywell International Inc. COM 438516106   1,587,443 8,306 SH   SOLE   8,306 0 0
Host Hotels & Resorts, Inc. COM 44107P104   376,895 22,856 SH   SOLE   22,856 0 0
Humana Inc. COM 444859102   1,073,838 2,212 SH   SOLE   2,212 0 0
Intel Corp. COM 458140100   2,259,986 69,176 SH   SOLE   69,176 0 0
International Bancshares Corp. COM 459044103   10,984,400 256,525 SH   SOLE   256,525 0 0
International Business Machine COM 459200101   848,244 6,471 SH   SOLE   6,471 0 0
JPMorgan Chase & Co. COM 46625H100   4,395,617 33,732 SH   SOLE   33,732 0 0
Johnson & Johnson COM 478160104   1,356,369 8,751 SH   SOLE   8,751 0 0
Johnson Controls Inc. COM g51502105   515,242 8,556 SH   SOLE   8,556 0 0
KKR & Co. Inc. COM 48251w104   6,898,765 131,355 SH   SOLE   131,355 0 0
Koninklijke Philips Electronic COM 500472303   691,079 37,661 SH   SOLE   37,661 0 0
Lockheed Martin Corp. COM 539830109   961,060 2,033 SH   SOLE   2,033 0 0
Lowe's Companies, Inc. COM 548661107   655,902 3,280 SH   SOLE   3,280 0 0
Lumen Technologies, Inc. COM 550241103   1,161,415 438,270 SH   SOLE   438,270 0 0
Marriott International, Inc. C COM 571903202   373,590 2,250 SH   SOLE   2,250 0 0
Marsh & McLennan Companies, In COM 571748102   407,215 2,445 SH   SOLE   2,445 0 0
McDonald's Corp. COM 580135101   2,393,741 8,561 SH   SOLE   8,561 0 0
McKesson Corp. COM 58155Q103   671,219 1,885 SH   SOLE   1,885 0 0
Merck & Co. Inc. New COM 58933Y105   418,325 3,932 SH   SOLE   3,932 0 0
Meta Platforms Inc. COM 30303m102   5,534,177 26,112 SH   SOLE   26,112 0 0
Microsoft Corp. COM 594918104   8,104,401 28,111 SH   SOLE   28,111 0 0
Morgan Stanley COM 617446448   273,936 3,120 SH   SOLE   3,120 0 0
Motorola Solutions Inc. COM 620076307   289,686 1,012 SH   SOLE   1,012 0 0
Netflix, Inc. COM 64110l106   1,674,887 4,848 SH   SOLE   4,848 0 0
Nike Inc. Cl B COM 654106103   737,802 6,016 SH   SOLE   6,016 0 0
Nokia Corp (ADR) COM 654902204   738,037 150,313 SH   SOLE   150,313 0 0
Oracle Corp. COM 68389X105   3,172,568 34,143 SH   SOLE   34,143 0 0
PNC Financial Services Group, COM 693475105   437,224 3,440 SH   SOLE   3,440 0 0
Paramount Global Class B COM 92556h206   846,977 37,964 SH   SOLE   37,964 0 0
Paypal Holdings Inc. COM 70450y103   2,179,934 28,706 SH   SOLE   28,706 0 0
Pepsico, Inc. COM 713448108   694,381 3,809 SH   SOLE   3,809 0 0
Pfizer, Inc. COM 717081103   2,211,914 54,214 SH   SOLE   54,214 0 0
Philip Morris International In COM 718172109   502,818 5,170 SH   SOLE   5,170 0 0
Procter & Gamble Co. COM 742718109   2,367,591 15,923 SH   SOLE   15,923 0 0
Qualcomm Inc. COM 747525103   1,621,542 12,710 SH   SOLE   12,710 0 0
Qurate Retail Group COM 74915m100   26,671 27,000 SH   SOLE   27,000 0 0
Raytheon Technologies Corp COM 75513E101   432,361 4,415 SH   SOLE   4,415 0 0
Rio Tinto Plc COM 767204100   262,395 3,825 SH   SOLE   3,825 0 0
Roblox Corp Ordinary Shares Cl COM 771049103   2,720,076 60,473 SH   SOLE   60,473 0 0
SAP AG (ADR) COM 803054204   632,497 4,998 SH   SOLE   4,998 0 0
SJW Group Com COM 784305104   456,817 6,000 SH   SOLE   6,000 0 0
Schlumberger Ltd F COM 806857108   279,624 5,695 SH   SOLE   5,695 0 0
Sempra Energy COM 816851109   225,395 1,491 SH   SOLE   1,491 0 0
Shell PLC COM 780259305   1,205,636 20,953 SH   SOLE   20,953 0 0
Sony Corp. (ADR) COM 835699307   1,453,573 16,035 SH   SOLE   16,035 0 0
Stellantis N.V. COM N82405106   611,184 33,600 SH   SOLE   33,600 0 0
TE Connectivity Ltd. F COM h84989104   1,257,728 9,590 SH   SOLE   9,590 0 0
Tapestry Inc. COM 876030107   339,664 7,879 SH   SOLE   7,879 0 0
Target Corp. COM 87612E106   343,682 2,075 SH   SOLE   2,075 0 0
Tesla Motors Inc. COM 88160r101   1,713,827 8,261 SH   SOLE   8,261 0 0
Teva Pharmaceutical Industries COM 881624209   108,147 12,220 SH   SOLE   12,220 0 0
The Walt Disney Co. COM 254687106   2,644,637 26,412 SH   SOLE   26,412 0 0
Thermo Fisher Scientific Inc. COM 883556102   1,191,933 2,068 SH   SOLE   2,068 0 0
UBS Group CHF0.10 COM H42097107   844,637 39,580 SH   SOLE   39,580 0 0
UnitedHealth Group, Inc. COM 91324P102   6,622,404 14,013 SH   SOLE   14,013 0 0
VMWare, Inc. COM 928563402   364,187 2,917 SH   SOLE   2,917 0 0
Verizon Communications Inc. COM 92343V104   278,686 7,166 SH   SOLE   7,166 0 0
Visa, Inc. Cl A COM 92826C839   459,713 2,039 SH   SOLE   2,039 0 0
WPP PLC F Sponsored ADR COM 92937A102   413,664 6,950 SH   SOLE   6,950 0 0
Wal-Mart Inc. COM 931142103   1,562,970 10,600 SH   SOLE   10,600 0 0
Warner Bros. Discovery Inc. Se COM 934423104   2,447,363 162,077 SH   SOLE   162,077 0 0
Waste Management Inc. COM 94106L109   889,276 5,450 SH   SOLE   5,450 0 0
WeWork Inc. COM 96209A104   974,805 1,254,091 SH   SOLE   1,254,091 0 0
Wells Fargo & Co. New COM 949746101   2,069,667 55,368 SH   SOLE   55,368 0 0
Yum China Holdings Inc. COM 98850p109   680,175 10,730 SH   SOLE   10,730 0 0
Yum! Brands, Inc. COM 988498101   1,429,106 10,820 SH   SOLE   10,820 0 0
eBay, Inc. COM 278642103   858,781 19,355 SH   SOLE   19,355 0 0
ARK Innovations ETF COM 00214q104   290,448 7,200 SH   SOLE   7,200 0 0
Avantis Emerging Markets Equit COM 025072604   3,301,500 62,422 SH   SOLE   62,422 0 0
Avantis International Equity E COM 025072703   2,469,513 43,302 SH   SOLE   43,302 0 0
Avantis International Large Ca COM 025072364   307,452 6,380 SH   SOLE   6,380 0 0
Avantis International Small Ca COM 025072802   241,230 4,125 SH   SOLE   4,125 0 0
Avantis Real Estate ETF COM 025072356   3,841,559 92,657 SH   SOLE   92,657 0 0
Avantis U.S. Equity ETF COM 025072885   3,984,874 56,220 SH   SOLE   56,220 0 0
Avantis U.S. Large Cap Value E COM 025072349   2,930,903 57,345 SH   SOLE   57,345 0 0
Avantis US Small Cap ValueETF COM 025072877   1,286,200 17,367 SH   SOLE   17,367 0 0
Capital Group Growth ETF COM 14020g101   328,590 14,630 SH   SOLE   14,630 0 0
Capital Group International Fo COM 14019w109   16,476,634 710,506 SH   SOLE   710,506 0 0
Capital Group Short Duration I COM 14020Y409   937,104 36,725 SH   SOLE   36,725 0 0
Dimensional Emerging Core Equi COM 25434v302   7,687,345 333,942 SH   SOLE   333,942 0 0
Dimensional Emerging Mkts Core COM 25434V732   526,057 22,300 SH   SOLE   22,300 0 0
Dimensional International Valu COM 25434v807   1,253,425 38,890 SH   SOLE   38,890 0 0
Dimensional Intl Core Equity M COM 25434v203   2,386,288 88,545 SH   SOLE   88,545 0 0
Dimensional US Core Equity Mar COM 25434V104   338,767 11,775 SH   SOLE   11,775 0 0
Dimensional US Target Value ET COM 25434v609   2,108,988 47,393 SH   SOLE   47,393 0 0
Direxion Daily Financial Bull COM 25459y694   692,040 12,000 SH   SOLE   12,000 0 0
ETFMG Prime Mobile Payments ET COM 26924G409   1,882,776 45,183 SH   SOLE   45,183 0 0
Energy Select Sector SPDR COM 81369Y506   7,484,519 90,360 SH   SOLE   90,360 0 0
Financial Select Sector SPDR COM 81369Y605   1,204,114 37,453 SH   SOLE   37,453 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660   762,393 35,659 SH   SOLE   35,659 0 0
Global X MLP & Energy Infrastr COM 37954y293   4,086,126 102,281 SH   SOLE   102,281 0 0
Global X Robotics & AI Themati COM 37954y715   7,352,236 288,323 SH   SOLE   288,323 0 0
Global X Silver Miners ETF COM 37954y848   226,744 7,381 SH   SOLE   7,381 0 0
Goldman Sachs Innovative Equit COM 38149W820   4,037,548 87,030 SH   SOLE   87,030 0 0
Harbor Long Term Growers ETF COM 41151j406   1,130,560 70,134 SH   SOLE   70,134 0 0
Health Care Sector Select SPDR COM 81369Y209   1,485,165 11,472 SH   SOLE   11,472 0 0
Industrial Select Sector SPDR COM 81369y704   1,527,312 15,095 SH   SOLE   15,095 0 0
Invesco Dynamic Leisure & Ente COM 46137V720   284,016 6,980 SH   SOLE   6,980 0 0
Invesco KBW Bank ETF COM 46138e628   13,545,650 322,746 SH   SOLE   322,746 0 0
Invesco KBW Regional Banking COM 46138e578   303,305 6,575 SH   SOLE   6,575 0 0
Invesco NASDAQ 100 ETF COM 46138G649   5,153,406 39,038 SH   SOLE   39,038 0 0
Invesco QQQ Trust Series 1 COM 46090e103   13,881,185 43,253 SH   SOLE   43,253 0 0
Invesco S&P 500 Pure Growth ET COM 46137v266   1,523,491 10,080 SH   SOLE   10,080 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258   3,952,948 52,081 SH   SOLE   52,081 0 0
Invesco Water Resources COM 46137v142   266,750 5,000 SH   SOLE   5,000 0 0
JP Morgan International Growth COM 46641Q324   623,612 10,730 SH   SOLE   10,730 0 0
KraneShares CSI China Internet COM 500767306   1,706,717 54,720 SH   SOLE   54,720 0 0
Materials Select Sector SPDR E COM 81369Y100   1,003,410 12,440 SH   SOLE   12,440 0 0
Robo Global Healthcare Tech & COM 301505723   5,852,799 196,346 SH   SOLE   196,346 0 0
Robo Global Robotics & Automat COM 301505707   1,518,972 27,759 SH   SOLE   27,759 0 0
Royce Value Trust Inc. COM 780910105   439,410 32,381 SH   SOLE   32,381 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202   215,520 4,800 SH   SOLE   4,800 0 0
SPDR DJ International Real Est COM 78463X863   243,221 9,255 SH   SOLE   9,255 0 0
SPDR Dow Jones Global Real Est COM 78463x749   1,085,307 26,368 SH   SOLE   26,368 0 0
SPDR Dow Jones Industrial Aver COM 78467x109   1,192,443 3,585 SH   SOLE   3,585 0 0
SPDR Gold Trust ETF COM 78463v107   463,547 2,530 SH   SOLE   2,530 0 0
SPDR KBW Regional Banking ETF COM 78464A698   723,251 16,490 SH   SOLE   16,490 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839   652,870 9,880 SH   SOLE   9,880 0 0
SPDR S&P 500 Index ETF COM 78462F103   2,644,250 6,459 SH   SOLE   6,459 0 0
SPDR S&P Bank ETF COM 78464A797   202,069 5,451 SH   SOLE   5,451 0 0
SPDR S&P Global Natural Resour COM 78463X541   3,761,032 65,879 SH   SOLE   65,879 0 0
SPDR S&P Kensho New Economies COM 78468R648   3,126,451 73,219 SH   SOLE   73,219 0 0
SPDR S&P Metals and Mining ETF COM 78464A755   213,969 4,025 SH   SOLE   4,025 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107   1,164,361 2,540 SH   SOLE   2,540 0 0
SPDR Series Trust Biotech COM 78464a870   372,286 4,885 SH   SOLE   4,885 0 0
Schwab 1000 Index ETF COM 808524722   490,222 12,395 SH   SOLE   12,395 0 0
Schwab Emerging Markets Equity COM 808524706   444,139 18,113 SH   SOLE   18,113 0 0
Schwab Fundamental Intl Large COM 808524755   354,133 11,325 SH   SOLE   11,325 0 0
Schwab Fundamental US Large Co COM 808524771   530,253 9,655 SH   SOLE   9,655 0 0
Schwab International Equity ET COM 808524805   677,671 19,473 SH   SOLE   19,473 0 0
Schwab International Small Cap COM 808524888   1,112,868 33,013 SH   SOLE   33,013 0 0
Schwab Strategic US Large Cap COM 808524300   389,391 5,975 SH   SOLE   5,975 0 0
Schwab US Broad Market ETF COM 808524102   1,070,127 22,364 SH   SOLE   22,364 0 0
Schwab US Large Cap Value ETF COM 808524409   942,385 14,370 SH   SOLE   14,370 0 0
Schwab US Mid Cap ETF COM 808524508   730,512 10,767 SH   SOLE   10,767 0 0
Schwab US Small Cap ETF COM 808524607   1,914,002 45,648 SH   SOLE   45,648 0 0
Select Sector SPDR TR Communic COM 81369y852   248,981 4,295 SH   SOLE   4,295 0 0
Technology Select Sector SPDR COM 81369Y803   661,726 4,382 SH   SOLE   4,382 0 0
The Emerging Mkts Internet & E COM 301505889   8,150,860 254,000 SH   SOLE   254,000 0 0
The Next Frontier Internet & E COM 301505590   119,225 11,410 SH   SOLE   11,410 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106   245,860 7,600 SH   SOLE   7,600 0 0
Vanguard Dividend Appreciation COM 921908844   689,811 4,479 SH   SOLE   4,479 0 0
Vanguard Emerging Markets ETF COM 922042858   4,957,874 122,720 SH   SOLE   122,720 0 0
Vanguard Energy ETF COM 92204A306   753,347 6,595 SH   SOLE   6,595 0 0
Vanguard European ETF COM 922042874   2,113,441 34,675 SH   SOLE   34,675 0 0
Vanguard Extended Market Index COM 922908652   9,479,483 67,614 SH   SOLE   67,614 0 0
Vanguard FTSE All World Ex-US COM 922042775   5,295,669 99,040 SH   SOLE   99,040 0 0
Vanguard FTSE All-World Ex-US COM 922042718   2,419,338 22,147 SH   SOLE   22,147 0 0
Vanguard FTSE Developed Market COM 921943858   520,133 11,515 SH   SOLE   11,515 0 0
Vanguard Financials ETF COM 92204A405   4,524,630 58,090 SH   SOLE   58,090 0 0
Vanguard Global ex-US Real Est COM 922042676   3,242,111 79,914 SH   SOLE   79,914 0 0
Vanguard Growth ETF COM 922908736   3,297,846 13,221 SH   SOLE   13,221 0 0
Vanguard Health Care ETF COM 92204A504   1,344,676 5,639 SH   SOLE   5,639 0 0
Vanguard High Dividend Yield E COM 921946406   794,942 7,535 SH   SOLE   7,535 0 0
Vanguard Index Fund Small Cap COM 922908611   713,309 4,493 SH   SOLE   4,493 0 0
Vanguard Large Cap Index FDS E COM 922908637   280,215 1,500 SH   SOLE   1,500 0 0
Vanguard Mega Cap 300 Growth I COM 921910816   7,585,276 37,090 SH   SOLE   37,090 0 0
Vanguard Mega Cap 300 Index ET COM 921910873   475,368 3,321 SH   SOLE   3,321 0 0
Vanguard Mega Cap 300 Value In COM 921910840   9,653,067 95,556 SH   SOLE   95,556 0 0
Vanguard Mid Cap Growth ETF COM 922908538   2,438,464 12,512 SH   SOLE   12,512 0 0
Vanguard Mid-Cap ETF COM 922908629   17,612,031 83,501 SH   SOLE   83,501 0 0
Vanguard Mid-Cap Value ETF COM 922908512   4,876,394 36,372 SH   SOLE   36,372 0 0
Vanguard REIT ETF COM 922908553   2,210,691 26,622 SH   SOLE   26,622 0 0
Vanguard S&P 500 ETF COM 922908363   377,574 1,004 SH   SOLE   1,004 0 0
Vanguard Small Cap ETF COM 922908751   2,546,359 13,433 SH   SOLE   13,433 0 0
Vanguard Small Cap Growth ETF COM 922908595   588,852 2,721 SH   SOLE   2,721 0 0
Vanguard Total International S COM 921909768   3,887,723 70,417 SH   SOLE   70,417 0 0
Vanguard Total Stock Mkt ETF COM 922908769   2,985,983 14,630 SH   SOLE   14,630 0 0
Vanguard Value ETF COM 922908744   13,089,513 94,776 SH   SOLE   94,776 0 0
WisdomTree China Ex-State-Owne COM 97717X719   3,726,468 107,144 SH   SOLE   107,144 0 0
iShares Core Dividend Growth COM 46434v621   249,950 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842   1,665,434 24,913 SH   SOLE   24,913 0 0
iShares Core High Dividend ETF COM 46429B663   294,814 2,900 SH   SOLE   2,900 0 0
iShares Core MSCI Emerging Mkt COM 46434g103   7,844,895 160,789 SH   SOLE   160,789 0 0
iShares Core Russell US Growth COM 464287671   377,716 4,255 SH   SOLE   4,255 0 0
iShares Core S&P 500 ETF COM 464287200   3,787,280 9,213 SH   SOLE   9,213 0 0
iShares Core S&P Midcap ETF COM 464287507   5,568,061 22,258 SH   SOLE   22,258 0 0
iShares Core S&P Small Cap ETF COM 464287804   2,147,417 22,207 SH   SOLE   22,207 0 0
iShares Core S&P Total US Stoc COM 464287150   482,631 5,330 SH   SOLE   5,330 0 0
iShares DJ US Home Constructio COM 464288752   2,445,389 34,790 SH   SOLE   34,790 0 0
iShares Edge MSCI Intl Quality COM 46434V456   2,271,626 64,352 SH   SOLE   64,352 0 0
iShares Edge MSCI USA Quality COM 46432F339   3,363,030 27,107 SH   SOLE   27,107 0 0
iShares Global REIT ETF COM 46434V647   1,696,820 74,000 SH   SOLE   74,000 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182   10,224,683 150,651 SH   SOLE   150,651 0 0
iShares MSCI Brazil Index ETF COM 464286400   1,698,792 62,045 SH   SOLE   62,045 0 0
iShares MSCI China ETF COM 46429b671   291,856 5,850 SH   SOLE   5,850 0 0
iShares MSCI EAFE Growth ETF COM 464288885   1,510,122 16,120 SH   SOLE   16,120 0 0
iShares MSCI EAFE Index ETF COM 464287465   443,424 6,200 SH   SOLE   6,200 0 0
iShares MSCI EAFE Value Index COM 464288877   2,939,802 60,577 SH   SOLE   60,577 0 0
iShares MSCI EMU Index Fund ET COM 464286608   1,360,740 30,185 SH   SOLE   30,185 0 0
iShares MSCI Emerging Markets COM 464287234   428,536 10,860 SH   SOLE   10,860 0 0
iShares MSCI Japan Index ETF COM 46434g822   922,900 15,725 SH   SOLE   15,725 0 0
iShares MSCI Mexico Investible COM 464286822   220,261 3,700 SH   SOLE   3,700 0 0
iShares Nasdaq Biotechnology COM 464287556   3,270,460 25,321 SH   SOLE   25,321 0 0
iShares Russell 1000 ETF COM 464287622   514,876 2,286 SH   SOLE   2,286 0 0
iShares Russell 1000 Growth In COM 464287614   2,245,393 9,190 SH   SOLE   9,190 0 0
iShares Russell 1000 Value Ind COM 464287598   5,288,142 34,731 SH   SOLE   34,731 0 0
iShares Russell 2000 Index ETF COM 464287655   1,562,962 8,761 SH   SOLE   8,761 0 0
iShares Russell 2000 Value Ind COM 464287630   805,678 5,880 SH   SOLE   5,880 0 0
iShares Russell 3000 Index Fun COM 464287689   310,035 1,317 SH   SOLE   1,317 0 0
iShares Russell Midcap Index F COM 464287499   372,674 5,330 SH   SOLE   5,330 0 0
iShares Russell Midcap Value I COM 464287473   2,030,650 19,121 SH   SOLE   19,121 0 0
iShares S&P 100 Index ETF COM 464287101   764,058 4,085 SH   SOLE   4,085 0 0
iShares S&P 500/Barra Growth E COM 464287309   860,534 13,469 SH   SOLE   13,469 0 0
iShares S&P 500/Barra Value ET COM 464287408   2,565,958 16,908 SH   SOLE   16,908 0 0
iShares S&P Global Healthcare COM 464287325   283,424 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291   5,693,395 104,735 SH   SOLE   104,735 0 0
iShares S&P Midcap 400/Growth COM 464287606   987,625 13,811 SH   SOLE   13,811 0 0
iShares S&P Midcap 400/Value E COM 464287705   3,814,411 37,116 SH   SOLE   37,116 0 0
iShares S&P Small Cap 600 Barr COM 464287887   297,388 2,705 SH   SOLE   2,705 0 0
iShares S&P Small Cap 600 Valu COM 464287879   575,578 6,150 SH   SOLE   6,150 0 0
iShares Silver Trust COM 46428q109   221,200 10,000 SH   SOLE   10,000 0 0
iShares Trust - iShares Core U COM 464287663   352,668 4,780 SH   SOLE   4,780 0 0
iShares Trust Core MSCI Total COM 46432F834   473,794 7,648 SH   SOLE   7,648 0 0
JP Morgan Ultra Short Income F COM 46641q837   4,598,644 91,388 SH   SOLE   91,388 0 0
PCM Fund, Inc. COM 69323T101   1,203,218 142,900 SH   SOLE   142,900 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783   202,526 2,218 SH   SOLE   2,218 0 0
PIMCO Access Fund COM 72203T100   8,323,202 560,485 SH   SOLE   560,485 0 0
PIMCO Dynamic Income COM 72201y101   5,770,112 320,206 SH   SOLE   320,206 0 0
PIMCO Dynamic Income Opportuni COM 69355M107   12,988,492 1,047,459 SH   SOLE   1,047,459 0 0
PIMCO Short Maturity ETF COM 72201r833   6,206,202 62,531 SH   SOLE   62,531 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707   491,050 12,200 SH   SOLE   12,200 0 0
Vanguard Short-Term Corporate COM 92206c409   469,043 6,153 SH   SOLE   6,153 0 0
Vanguard Ultra Short Bond ETF COM 92203c303   344,680 7,000 SH   SOLE   7,000 0 0
iShares Short Maturity Bond ET COM 46431W507   554,776 11,185 SH   SOLE   11,185 0 0
iShares Short Treasury Bond ET COM 464288679   313,267 2,835 SH   SOLE   2,835 0 0
iShares US PFD ETF US PFD STK COM 464288687   970,005 31,070 SH   SOLE   31,070 0 0