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   1,061 66,496 SH   SOLE   66,496 0 0
AbbVie Inc. COM 00287y109   222 1,650 SH   SOLE   1,650 0 0
Agilent Technologies Inc. COM 00846U101   438 3,646 SH   SOLE   3,646 0 0
Alibaba Group Holding Limited COM 01609w102   2,714 32,567 SH   SOLE   32,567 0 0
Alphabet Inc Cl A COM 02079k305   1,446 12,080 SH   SOLE   12,080 0 0
Alphabet Inc Cl C COM 02079k107   2,203 18,212 SH   SOLE   18,212 0 0
Amazon.Com Inc. COM 023135106   4,017 30,817 SH   SOLE   30,817 0 0
American Express Company COM 025816109   1,986 11,403 SH   SOLE   11,403 0 0
American International Group N COM 026874784   1,858 32,295 SH   SOLE   32,295 0 0
Amgen Inc. COM 031162100   468 2,107 SH   SOLE   2,107 0 0
Apollo Commercial Real Estate COM 03762U105   466 41,180 SH   SOLE   41,180 0 0
Apollo Global Management Inc. COM 03769m106   5,653 73,600 SH   SOLE   73,600 0 0
Apple Inc. COM 037833100   19,300 99,502 SH   SOLE   99,502 0 0
Applied Materials Inc COM 038222105   1,099 7,600 SH   SOLE   7,600 0 0
Autodesk Inc COM 052769106   291 1,420 SH   SOLE   1,420 0 0
BHP Billiton Ltd Adr F Sponsor COM 088606108   201 3,375 SH   SOLE   3,375 0 0
Banco Santander, S.A. (ADR) COM 05964h105   86 23,077 SH   SOLE   23,077 0 0
Bank of America Corp. COM 060505104   4,560 158,957 SH   SOLE   158,957 0 0
Becton Dickinson & Co COM 075887109   711 2,693 SH   SOLE   2,693 0 0
Berkshire Hathaway Cl B COM 084670702   2,778 8,147 SH   SOLE   8,147 0 0
Blackstone Group Inc. Cl A COM 09260D107   7,201 77,455 SH   SOLE   77,455 0 0
Boeing Company COM 097023105   2,278 10,790 SH   SOLE   10,790 0 0
Bristol-Myers Squibb Co. COM 110122108   779 12,188 SH   SOLE   12,188 0 0
Brookfield Asset Management Cl COM 113004105   556 17,040 SH   SOLE   17,040 0 0
Brookfield Corporation COM 11271J107   2,523 74,973 SH   SOLE   74,973 0 0
Byline Bancorp Inc. COM 124411109   819 45,291 SH   SOLE   45,291 0 0
CSX Corp. COM 126408103   389 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100   2,789 40,346 SH   SOLE   40,346 0 0
Carlyle Group COM 14316J108   4,733 148,130 SH   SOLE   148,130 0 0
Caterpillar Inc. COM 149123101   1,274 5,177 SH   SOLE   5,177 0 0
Charles Schwab Corp. COM 808513105   2,750 48,516 SH   SOLE   48,516 0 0
Chevron Corporation COM 166764100   572 3,634 SH   SOLE   3,634 0 0
Cisco Systems Inc COM 17275R102   2,155 41,656 SH   SOLE   41,656 0 0
Citigroup Inc. COM 172967424   1,716 37,275 SH   SOLE   37,275 0 0
Coca-Cola Co. COM 191216100   255 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101   2,972 71,526 SH   SOLE   71,526 0 0
ConocoPhillips COM 20825C104   664 6,413 SH   SOLE   6,413 0 0
Costco Wholesale Corp. New COM 22160K105   2,645 4,912 SH   SOLE   4,912 0 0
DXC Technology Company Com. COM 23355l106   240 8,979 SH   SOLE   8,979 0 0
Danaher Corporation COM 235851102   317 1,320 SH   SOLE   1,320 0 0
Dell Inc COM 24703l202   328 6,065 SH   SOLE   6,065 0 0
Diageo Plc New (ADR) COM 25243Q205   239 1,380 SH   SOLE   1,380 0 0
DraftKings Inc Com Cl A COM 26142v105   1,063 40,000 SH   SOLE   40,000 0 0
Eli Lilly & Co. COM 532457108   211 450 SH   SOLE   450 0 0
Exxon Mobil Corp. COM 30231G102   1,000 9,321 SH   SOLE   9,321 0 0
FedEx Corp. COM 31428X106   3,410 13,755 SH   SOLE   13,755 0 0
GE Healthcare Technologies Inc COM 36266g107   821 10,111 SH   SOLE   10,111 0 0
General Electric Company COM 369604301   4,301 39,153 SH   SOLE   39,153 0 0
Goldman Sachs Group Inc. COM 38141G104   868 2,690 SH   SOLE   2,690 0 0
HP Inc. COM 40434l105   1,041 33,886 SH   SOLE   33,886 0 0
Hewlett Packard Enterprise Com COM 42824c109   507 30,192 SH   SOLE   30,192 0 0
Home Depot Inc. COM 437076102   4,395 14,147 SH   SOLE   14,147 0 0
Honeywell International Inc. COM 438516106   1,723 8,306 SH   SOLE   8,306 0 0
Host Hotels & Resorts, Inc. COM 44107P104   385 22,856 SH   SOLE   22,856 0 0
Humana Inc. COM 444859102   989 2,212 SH   SOLE   2,212 0 0
Intel Corp. COM 458140100   2,347 70,176 SH   SOLE   70,176 0 0
International Bancshares Corp. COM 459044103   11,338 256,525 SH   SOLE   256,525 0 0
International Business Machine COM 459200101   846 6,321 SH   SOLE   6,321 0 0
JPMorgan Chase & Co. COM 46625H100   4,906 33,732 SH   SOLE   33,732 0 0
Johnson & Johnson COM 478160104   1,448 8,751 SH   SOLE   8,751 0 0
Johnson Controls Inc. COM g51502105   583 8,556 SH   SOLE   8,556 0 0
KKR & Co. Inc. COM 48251w104   7,371 131,625 SH   SOLE   131,625 0 0
Koninklijke Philips Electronic COM 500472303   810 37,322 SH   SOLE   37,322 0 0
Lockheed Martin Corp. COM 539830109   867 1,883 SH   SOLE   1,883 0 0
Lowe's Companies, Inc. COM 548661107   740 3,280 SH   SOLE   3,280 0 0
Lumen Technologies, Inc. COM 550241103   1,027 454,310 SH   SOLE   454,310 0 0
Marriott International, Inc. C COM 571903202   386 2,100 SH   SOLE   2,100 0 0
Marsh & McLennan Companies, In COM 571748102   460 2,445 SH   SOLE   2,445 0 0
McDonald's Corp. COM 580135101   2,520 8,446 SH   SOLE   8,446 0 0
McKesson Corp. COM 58155Q103   791 1,850 SH   SOLE   1,850 0 0
Merck & Co. Inc. New COM 58933Y105   433 3,752 SH   SOLE   3,752 0 0
Meta Platforms Inc. COM 30303m102   7,361 25,650 SH   SOLE   25,650 0 0
Microsoft Corp. COM 594918104   9,837 28,887 SH   SOLE   28,887 0 0
Morgan Stanley COM 617446448   256 3,000 SH   SOLE   3,000 0 0
Motorola Solutions Inc. COM 620076307   297 1,012 SH   SOLE   1,012 0 0
Netflix, Inc. COM 64110l106   2,120 4,813 SH   SOLE   4,813 0 0
Nike Inc. Cl B COM 654106103   653 5,916 SH   SOLE   5,916 0 0
Nokia Corp (ADR) COM 654902204   486 116,713 SH   SOLE   116,713 0 0
Oracle Corp. COM 68389X105   4,008 33,653 SH   SOLE   33,653 0 0
PNC Financial Services Group, COM 693475105   433 3,440 SH   SOLE   3,440 0 0
Paramount Global Class B COM 92556h206   701 44,049 SH   SOLE   44,049 0 0
Paypal Holdings Inc. COM 70450y103   1,854 27,791 SH   SOLE   27,791 0 0
Pepsico, Inc. COM 713448108   706 3,809 SH   SOLE   3,809 0 0
Pfizer, Inc. COM 717081103   2,666 72,676 SH   SOLE   72,676 0 0
Philip Morris International In COM 718172109   485 4,970 SH   SOLE   4,970 0 0
Procter & Gamble Co. COM 742718109   2,416 15,923 SH   SOLE   15,923 0 0
Qualcomm Inc. COM 747525103   1,513 12,710 SH   SOLE   12,710 0 0
Qurate Retail Group COM 74915m100   27 27,000 SH   SOLE   27,000 0 0
Raytheon Technologies Corp COM 75513E101   432 4,415 SH   SOLE   4,415 0 0
Rio Tinto Plc COM 767204100   252 3,955 SH   SOLE   3,955 0 0
Roblox Corp Ordinary Shares Cl COM 771049103   2,437 60,473 SH   SOLE   60,473 0 0
SAP AG (ADR) COM 803054204   677 4,948 SH   SOLE   4,948 0 0
SJW Group Com COM 784305104   421 6,000 SH   SOLE   6,000 0 0
Schlumberger Ltd F COM 806857108   273 5,550 SH   SOLE   5,550 0 0
Sempra Energy COM 816851109   217 1,491 SH   SOLE   1,491 0 0
Shell PLC COM 780259305   1,246 20,628 SH   SOLE   20,628 0 0
Sony Corp. (ADR) COM 835699307   1,444 16,035 SH   SOLE   16,035 0 0
Stellantis N.V. COM N82405106   589 33,600 SH   SOLE   33,600 0 0
TE Connectivity Ltd. F COM h84989104   1,344 9,590 SH   SOLE   9,590 0 0
Tapestry Inc. COM 876030107   337 7,879 SH   SOLE   7,879 0 0
Target Corp. COM 87612E106   404 3,065 SH   SOLE   3,065 0 0
Tesla Motors Inc. COM 88160r101   2,149 8,211 SH   SOLE   8,211 0 0
Teva Pharmaceutical Industries COM 881624209   106 14,100 SH   SOLE   14,100 0 0
The Walt Disney Co. COM 254687106   2,407 26,965 SH   SOLE   26,965 0 0
Thermo Fisher Scientific Inc. COM 883556102   1,079 2,068 SH   SOLE   2,068 0 0
UBS Group CHF0.10 COM H42097107   802 39,580 SH   SOLE   39,580 0 0
UnitedHealth Group, Inc. COM 91324P102   6,913 14,383 SH   SOLE   14,383 0 0
VMWare, Inc. COM 928563402   419 2,917 SH   SOLE   2,917 0 0
Verizon Communications Inc. COM 92343V104   382 10,266 SH   SOLE   10,266 0 0
Visa, Inc. Cl A COM 92826C839   484 2,039 SH   SOLE   2,039 0 0
Vishay Intertechnology Inc. COM 928298108   250 8,500 SH   SOLE   8,500 0 0
WPP PLC F Sponsored ADR COM 92937A102   363 6,950 SH   SOLE   6,950 0 0
Wal-Mart Inc. COM 931142103   1,647 10,480 SH   SOLE   10,480 0 0
Warner Bros. Discovery Inc. Se COM 934423104   2,021 161,177 SH   SOLE   161,177 0 0
Waste Management Inc. COM 94106L109   945 5,450 SH   SOLE   5,450 0 0
WeWork Inc. COM 96209A104   320 1,254,091 SH   SOLE   1,254,091 0 0
Wells Fargo & Co. New COM 949746101   2,358 55,243 SH   SOLE   55,243 0 0
Wynn Resorts LTD COM 983134107   247 2,340 SH   SOLE   2,340 0 0
Yum China Holdings Inc. COM 98850p109   605 10,710 SH   SOLE   10,710 0 0
Yum! Brands, Inc. COM 988498101   1,484 10,710 SH   SOLE   10,710 0 0
eBay, Inc. COM 278642103   865 19,355 SH   SOLE   19,355 0 0
ARK Innovations ETF COM 00214q104   318 7,200 SH   SOLE   7,200 0 0
Avantis Emerging Markets Equit COM 025072604   3,439 63,903 SH   SOLE   63,903 0 0
Avantis International Equity E COM 025072703   2,568 44,732 SH   SOLE   44,732 0 0
Avantis International Large Ca COM 025072364   335 6,895 SH   SOLE   6,895 0 0
Avantis International Small Ca COM 025072802   237 4,125 SH   SOLE   4,125 0 0
Avantis Real Estate ETF COM 025072356   4,550 111,147 SH   SOLE   111,147 0 0
Avantis U.S. Equity ETF COM 025072885   4,448 59,157 SH   SOLE   59,157 0 0
Avantis U.S. Large Cap Value E COM 025072349   3,194 59,875 SH   SOLE   59,875 0 0
Avantis US Small Cap ValueETF COM 025072877   1,539 19,832 SH   SOLE   19,832 0 0
Capital Group Growth ETF COM 14020g101   487 19,298 SH   SOLE   19,298 0 0
Capital Group International Fo COM 14019w109   18,271 776,834 SH   SOLE   776,834 0 0
Capital Group Short Duration I COM 14020Y409   1,116 44,435 SH   SOLE   44,435 0 0
Dimensional Emerging Core Equi COM 25434v302   8,088 344,755 SH   SOLE   344,755 0 0
Dimensional Emerging Mkts Core COM 25434V732   536 22,300 SH   SOLE   22,300 0 0
Dimensional International Valu COM 25434v807   1,294 39,390 SH   SOLE   39,390 0 0
Dimensional Intl Core Equity M COM 25434v203   2,545 93,155 SH   SOLE   93,155 0 0
Dimensional US Core Equity Mar COM 25434V104   365 11,775 SH   SOLE   11,775 0 0
Dimensional US Target Value ET COM 25434v609   2,261 48,743 SH   SOLE   48,743 0 0
Direxion Daily Financial Bull COM 25459y694   763 12,000 SH   SOLE   12,000 0 0
ETFMG Prime Mobile Payments ET COM 26924G409   1,976 46,278 SH   SOLE   46,278 0 0
Energy Select Sector SPDR COM 81369Y506   7,167 88,300 SH   SOLE   88,300 0 0
Financial Select Sector SPDR COM 81369Y605   1,175 34,853 SH   SOLE   34,853 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660   728 34,594 SH   SOLE   34,594 0 0
Global X MLP & Energy Infrastr COM 37954y293   4,154 99,926 SH   SOLE   99,926 0 0
Global X Robotics & AI Themati COM 37954y715   8,286 288,318 SH   SOLE   288,318 0 0
Goldman Sachs Innovative Equit COM 38149W820   4,291 87,338 SH   SOLE   87,338 0 0
Harbor Dividend Growth Leaders COM 41151j703   154 12,250 SH   SOLE   12,250 0 0
Harbor Long Term Growers ETF COM 41151j406   1,528 82,389 SH   SOLE   82,389 0 0
Health Care Sector Select SPDR COM 81369Y209   1,546 11,646 SH   SOLE   11,646 0 0
Industrial Select Sector SPDR COM 81369y704   1,566 14,595 SH   SOLE   14,595 0 0
Invesco Dynamic Leisure & Ente COM 46137V720   292 6,980 SH   SOLE   6,980 0 0
Invesco KBW Bank ETF COM 46138e628   15,703 382,526 SH   SOLE   382,526 0 0
Invesco KBW Regional Banking COM 46138e578   285 6,575 SH   SOLE   6,575 0 0
Invesco NASDAQ 100 ETF COM 46138G649   6,161 40,541 SH   SOLE   40,541 0 0
Invesco QQQ Trust Series 1 COM 46090e103   15,947 43,167 SH   SOLE   43,167 0 0
Invesco S&P 500 Pure Growth ET COM 46137v266   1,617 10,600 SH   SOLE   10,600 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258   4,633 59,736 SH   SOLE   59,736 0 0
Invesco Water Resources COM 46137v142   282 5,000 SH   SOLE   5,000 0 0
JP Morgan International Growth COM 46641Q324   725 12,265 SH   SOLE   12,265 0 0
KraneShares CSI China Internet COM 500767306   1,571 58,320 SH   SOLE   58,320 0 0
Materials Select Sector SPDR E COM 81369Y100   1,031 12,440 SH   SOLE   12,440 0 0
Robo Global Healthcare Tech & COM 301505723   5,854 194,606 SH   SOLE   194,606 0 0
Robo Global Robotics & Automat COM 301505707   1,631 27,844 SH   SOLE   27,844 0 0
Royce Value Trust Inc. COM 780910105   447 32,402 SH   SOLE   32,402 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202   221 4,800 SH   SOLE   4,800 0 0
SPDR DJ International Real Est COM 78463X863   229 9,255 SH   SOLE   9,255 0 0
SPDR Dow Jones Global Real Est COM 78463x749   1,000 24,343 SH   SOLE   24,343 0 0
SPDR Dow Jones Industrial Aver COM 78467x109   1,181 3,435 SH   SOLE   3,435 0 0
SPDR Gold Trust ETF COM 78463v107   398 2,235 SH   SOLE   2,235 0 0
SPDR KBW Regional Banking ETF COM 78464A698   761 18,640 SH   SOLE   18,640 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839   673 9,780 SH   SOLE   9,780 0 0
SPDR S&P 500 Index ETF COM 78462F103   3,286 7,412 SH   SOLE   7,412 0 0
SPDR S&P Bank ETF COM 78464A797   212 5,881 SH   SOLE   5,881 0 0
SPDR S&P Global Natural Resour COM 78463X541   3,412 63,294 SH   SOLE   63,294 0 0
SPDR S&P Kensho New Economies COM 78468R648   3,202 71,804 SH   SOLE   71,804 0 0
SPDR S&P Metals and Mining ETF COM 78464A755   205 4,025 SH   SOLE   4,025 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107   1,216 2,540 SH   SOLE   2,540 0 0
SPDR Series Trust Biotech COM 78464a870   496 5,963 SH   SOLE   5,963 0 0
Schwab 1000 Index ETF COM 808524722   509 11,895 SH   SOLE   11,895 0 0
Schwab Emerging Markets Equity COM 808524706   583 23,651 SH   SOLE   23,651 0 0
Schwab Fundamental Intl Large COM 808524755   366 11,325 SH   SOLE   11,325 0 0
Schwab Fundamental US Large Co COM 808524771   556 9,655 SH   SOLE   9,655 0 0
Schwab International Equity ET COM 808524805   682 19,140 SH   SOLE   19,140 0 0
Schwab International Small Cap COM 808524888   1,110 32,863 SH   SOLE   32,863 0 0
Schwab Strategic US Large Cap COM 808524300   423 5,645 SH   SOLE   5,645 0 0
Schwab US Broad Market ETF COM 808524102   1,140 22,056 SH   SOLE   22,056 0 0
Schwab US Large Cap Value ETF COM 808524409   964 14,369 SH   SOLE   14,369 0 0
Schwab US Mid Cap ETF COM 808524508   717 10,087 SH   SOLE   10,087 0 0
Schwab US Small Cap ETF COM 808524607   1,451 33,122 SH   SOLE   33,122 0 0
Select Sector SPDR TR Communic COM 81369y852   280 4,295 SH   SOLE   4,295 0 0
Technology Select Sector SPDR COM 81369Y803   762 4,382 SH   SOLE   4,382 0 0
The Emerging Mkts Internet & E COM 301505889   7,585 258,340 SH   SOLE   258,340 0 0
The Next Frontier Internet & E COM 301505590   123 11,410 SH   SOLE   11,410 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106   229 7,600 SH   SOLE   7,600 0 0
Vanguard Dividend Appreciation COM 921908844   716 4,405 SH   SOLE   4,405 0 0
Vanguard Emerging Markets ETF COM 922042858   4,761 117,040 SH   SOLE   117,040 0 0
Vanguard Energy ETF COM 92204A306   691 6,120 SH   SOLE   6,120 0 0
Vanguard European ETF COM 922042874   2,139 34,675 SH   SOLE   34,675 0 0
Vanguard Extended Market Index COM 922908652   10,738 72,148 SH   SOLE   72,148 0 0
Vanguard FTSE All World Ex-US COM 922042775   5,389 99,040 SH   SOLE   99,040 0 0
Vanguard FTSE All-World Ex-US COM 922042718   2,508 22,697 SH   SOLE   22,697 0 0
Vanguard FTSE Developed Market COM 921943858   528 11,440 SH   SOLE   11,440 0 0
Vanguard Financials ETF COM 92204A405   4,786 58,915 SH   SOLE   58,915 0 0
Vanguard Global ex-US Real Est COM 922042676   3,233 80,439 SH   SOLE   80,439 0 0
Vanguard Growth ETF COM 922908736   3,724 13,161 SH   SOLE   13,161 0 0
Vanguard Health Care ETF COM 92204A504   1,483 6,059 SH   SOLE   6,059 0 0
Vanguard High Dividend Yield E COM 921946406   918 8,655 SH   SOLE   8,655 0 0
Vanguard Index Fund Small Cap COM 922908611   797 4,818 SH   SOLE   4,818 0 0
Vanguard Large Cap Index FDS E COM 922908637   203 1,000 SH   SOLE   1,000 0 0
Vanguard Mega Cap 300 Growth I COM 921910816   8,754 37,200 SH   SOLE   37,200 0 0
Vanguard Mega Cap 300 Index ET COM 921910873   520 3,321 SH   SOLE   3,321 0 0
Vanguard Mega Cap 300 Value In COM 921910840   9,978 96,161 SH   SOLE   96,161 0 0
Vanguard Mid Cap Growth ETF COM 922908538   2,628 12,772 SH   SOLE   12,772 0 0
Vanguard Mid-Cap ETF COM 922908629   18,452 83,811 SH   SOLE   83,811 0 0
Vanguard Mid-Cap Value ETF COM 922908512   5,205 37,612 SH   SOLE   37,612 0 0
Vanguard REIT ETF COM 922908553   2,238 26,782 SH   SOLE   26,782 0 0
Vanguard S&P 500 ETF COM 922908363   393 965 SH   SOLE   965 0 0
Vanguard Small Cap ETF COM 922908751   2,555 12,845 SH   SOLE   12,845 0 0
Vanguard Small Cap Growth ETF COM 922908595   700 3,046 SH   SOLE   3,046 0 0
Vanguard Total International S COM 921909768   3,903 69,597 SH   SOLE   69,597 0 0
Vanguard Total Stock Mkt ETF COM 922908769   3,057 13,880 SH   SOLE   13,880 0 0
Vanguard Value ETF COM 922908744   13,661 96,135 SH   SOLE   96,135 0 0
WisdomTree China Ex-State-Owne COM 97717X719   3,412 111,275 SH   SOLE   111,275 0 0
iShares Core Dividend Growth COM 46434v621   258 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842   1,687 24,996 SH   SOLE   24,996 0 0
iShares Core High Dividend ETF COM 46429B663   292 2,900 SH   SOLE   2,900 0 0
iShares Core MSCI Emerging Mkt COM 46434g103   7,862 159,509 SH   SOLE   159,509 0 0
iShares Core S&P 500 ETF COM 464287200   4,373 9,811 SH   SOLE   9,811 0 0
iShares Core S&P Midcap ETF COM 464287507   5,867 22,436 SH   SOLE   22,436 0 0
iShares Core S&P Small Cap ETF COM 464287804   2,273 22,807 SH   SOLE   22,807 0 0
iShares Core S&P Total US Stoc COM 464287150   523 5,344 SH   SOLE   5,344 0 0
iShares Core S&P US Growth ETF COM 464287671   415 4,255 SH   SOLE   4,255 0 0
iShares DJ US Home Constructio COM 464288752   2,972 34,790 SH   SOLE   34,790 0 0
iShares Edge MSCI Intl Quality COM 46434V456   2,298 64,557 SH   SOLE   64,557 0 0
iShares Edge MSCI USA Quality COM 46432F339   3,857 28,599 SH   SOLE   28,599 0 0
iShares Global REIT ETF COM 46434V647   2,117 92,150 SH   SOLE   92,150 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182   11,247 169,280 SH   SOLE   169,280 0 0
iShares MSCI Brazil Index ETF COM 464286400   1,998 61,620 SH   SOLE   61,620 0 0
iShares MSCI China ETF COM 46429b671   298 6,650 SH   SOLE   6,650 0 0
iShares MSCI EAFE Growth ETF COM 464288885   1,560 16,355 SH   SOLE   16,355 0 0
iShares MSCI EAFE Index ETF COM 464287465   430 5,927 SH   SOLE   5,927 0 0
iShares MSCI EAFE Value Index COM 464288877   3,091 63,167 SH   SOLE   63,167 0 0
iShares MSCI EMU Index Fund ET COM 464286608   1,383 30,185 SH   SOLE   30,185 0 0
iShares MSCI Emerging Markets COM 464287234   345 8,710 SH   SOLE   8,710 0 0
iShares MSCI Japan Index ETF COM 46434g822   973 15,725 SH   SOLE   15,725 0 0
iShares MSCI Mexico Investible COM 464286822   230 3,700 SH   SOLE   3,700 0 0
iShares Nasdaq Biotechnology COM 464287556   3,329 26,220 SH   SOLE   26,220 0 0
iShares Russell 1000 ETF COM 464287622   557 2,286 SH   SOLE   2,286 0 0
iShares Russell 1000 Growth In COM 464287614   2,529 9,190 SH   SOLE   9,190 0 0
iShares Russell 1000 Value Ind COM 464287598   5,458 34,581 SH   SOLE   34,581 0 0
iShares Russell 2000 Index ETF COM 464287655   1,310 6,995 SH   SOLE   6,995 0 0
iShares Russell 2000 Value Ind COM 464287630   825 5,860 SH   SOLE   5,860 0 0
iShares Russell 3000 Index Fun COM 464287689   335 1,317 SH   SOLE   1,317 0 0
iShares Russell Midcap Index F COM 464287499   389 5,330 SH   SOLE   5,330 0 0
iShares Russell Midcap Value I COM 464287473   2,100 19,121 SH   SOLE   19,121 0 0
iShares S&P 100 Index ETF COM 464287101   846 4,085 SH   SOLE   4,085 0 0
iShares S&P 500/Barra Growth E COM 464287309   927 13,159 SH   SOLE   13,159 0 0
iShares S&P 500/Barra Value ET COM 464287408   2,651 16,445 SH   SOLE   16,445 0 0
iShares S&P Global Healthcare COM 464287325   289 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291   6,383 102,635 SH   SOLE   102,635 0 0
iShares S&P Midcap 400/Growth COM 464287606   1,076 14,341 SH   SOLE   14,341 0 0
iShares S&P Midcap 400/Value E COM 464287705   4,161 38,841 SH   SOLE   38,841 0 0
iShares S&P Small Cap 600 Barr COM 464287887   313 2,725 SH   SOLE   2,725 0 0
iShares S&P Small Cap 600 Valu COM 464287879   601 6,325 SH   SOLE   6,325 0 0
iShares Trust - iShares Core U COM 464287663   374 4,780 SH   SOLE   4,780 0 0
iShares Trust Core MSCI Total COM 46432F834   479 7,648 SH   SOLE   7,648 0 0
JP Morgan Ultra Short Income F COM 46641q837   7,150 142,605 SH   SOLE   142,605 0 0
PCM Fund, Inc. COM 69323T101   1,357 140,900 SH   SOLE   140,900 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783   202 2,218 SH   SOLE   2,218 0 0
PIMCO Access Fund COM 72203T100   9,057 614,010 SH   SOLE   614,010 0 0
PIMCO Dynamic Income COM 72201y101   11,476 612,075 SH   SOLE   612,075 0 0
PIMCO Dynamic Income Opportuni COM 69355M107   12,307 942,349 SH   SOLE   942,349 0 0
PIMCO Short Maturity ETF COM 72201r833   6,730 67,460 SH   SOLE   67,460 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707   471 11,700 SH   SOLE   11,700 0 0
Vanguard Short-Term Corporate COM 92206c409   889 11,753 SH   SOLE   11,753 0 0
Vanguard Ultra Short Bond ETF COM 92203c303   1,480 30,100 SH   SOLE   30,100 0 0
iShares Short Maturity Bond ET COM 46431W507   552 11,105 SH   SOLE   11,105 0 0
iShares Short Treasury Bond ET COM 464288679   585 5,300 SH   SOLE   5,300 0 0
iShares US PFD ETF US PFD STK COM 464288687   339 10,945 SH   SOLE   10,945 0 0