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   537 31,974 SH   SOLE   31,974 0 0
AbbVie Inc. COM 00287y109   212 1,365 SH   SOLE   1,365 0 0
Agilent Technologies Inc. COM 00846U101   507 3,646 SH   SOLE   3,646 0 0
Alibaba Group Holding Limited COM 01609w102   2,026 26,142 SH   SOLE   26,142 0 0
Alphabet Inc Cl A COM 02079k305   1,621 11,603 SH   SOLE   11,603 0 0
Alphabet Inc Cl C COM 02079k107   2,243 15,914 SH   SOLE   15,914 0 0
Amazon.Com Inc. COM 023135106   4,299 28,292 SH   SOLE   28,292 0 0
American Express Company COM 025816109   2,313 12,348 SH   SOLE   12,348 0 0
American International Group N COM 026874784   2,113 31,195 SH   SOLE   31,195 0 0
Amgen Inc. COM 031162100   607 2,107 SH   SOLE   2,107 0 0
Apollo Commercial Real Estate COM 03762U105   264 22,500 SH   SOLE   22,500 0 0
Apollo Global Management Inc. COM 03769m106   6,738 72,300 SH   SOLE   72,300 0 0
Apple Inc. COM 037833100   18,870 98,013 SH   SOLE   98,013 0 0
Applied Materials Inc COM 038222105   1,155 7,129 SH   SOLE   7,129 0 0
Assurant Inc. COM 04621X108   202 1,200 SH   SOLE   1,200 0 0
Autodesk Inc COM 052769106   346 1,420 SH   SOLE   1,420 0 0
Banco Santander, S.A. (ADR) COM 05964h105   119 28,750 SH   SOLE   28,750 0 0
Bank of America Corp. COM 060505104   4,397 130,597 SH   SOLE   130,597 0 0
Becton Dickinson & Co COM 075887109   657 2,693 SH   SOLE   2,693 0 0
Berkshire Hathaway Cl B COM 084670702   2,788 7,817 SH   SOLE   7,817 0 0
Blackstone Group Inc. Cl A COM 09260D107   9,911 75,700 SH   SOLE   75,700 0 0
Block, Inc. COM 852234103   493 6,370 SH   SOLE   6,370 0 0
Boeing Company COM 097023105   2,581 9,900 SH   SOLE   9,900 0 0
Bristol-Myers Squibb Co. COM 110122108   620 12,088 SH   SOLE   12,088 0 0
Brookfield Asset Management Cl COM 113004105   618 15,386 SH   SOLE   15,386 0 0
Brookfield Corporation COM 11271J107   1,756 43,776 SH   SOLE   43,776 0 0
Byline Bancorp Inc. COM 124411109   1,067 45,291 SH   SOLE   45,291 0 0
CSX Corp. COM 126408103   395 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100   3,910 49,522 SH   SOLE   49,522 0 0
Carlyle Group COM 14316J108   5,303 130,330 SH   SOLE   130,330 0 0
Caterpillar Inc. COM 149123101   1,532 5,182 SH   SOLE   5,182 0 0
Charles Schwab Corp. COM 808513105   3,782 54,971 SH   SOLE   54,971 0 0
Chevron Corporation COM 166764100   557 3,734 SH   SOLE   3,734 0 0
Cisco Systems Inc COM 17275R102   1,999 39,576 SH   SOLE   39,576 0 0
Citigroup Inc. COM 172967424   693 13,465 SH   SOLE   13,465 0 0
Coca-Cola Co. COM 191216100   250 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101   2,992 68,237 SH   SOLE   68,237 0 0
ConocoPhillips COM 20825C104   744 6,413 SH   SOLE   6,413 0 0
Costco Wholesale Corp. New COM 22160K105   3,120 4,727 SH   SOLE   4,727 0 0
Danaher Corporation COM 235851102   282 1,220 SH   SOLE   1,220 0 0
Dell Inc COM 24703l202   459 5,995 SH   SOLE   5,995 0 0
Diageo Plc New (ADR) COM 25243Q205   230 1,580 SH   SOLE   1,580 0 0
DraftKings Inc Com Cl A COM 26142v105   1,410 40,000 SH   SOLE   40,000 0 0
Eli Lilly & Co. COM 532457108   262 450 SH   SOLE   450 0 0
Expedia Group Inc. COM 30212p303   234 1,540 SH   SOLE   1,540 0 0
Exxon Mobil Corp. COM 30231G102   921 9,210 SH   SOLE   9,210 0 0
FedEx Corp. COM 31428X106   3,209 12,687 SH   SOLE   12,687 0 0
GE Healthcare Technologies Inc COM 36266g107   474 6,126 SH   SOLE   6,126 0 0
General Electric Company COM 369604301   4,730 37,059 SH   SOLE   37,059 0 0
Goldman Sachs Group Inc. COM 38141G104   988 2,560 SH   SOLE   2,560 0 0
HP Inc. COM 40434l105   1,020 33,886 SH   SOLE   33,886 0 0
Hewlett Packard Enterprise Com COM 42824c109   513 30,192 SH   SOLE   30,192 0 0
Home Depot Inc. COM 437076102   4,576 13,205 SH   SOLE   13,205 0 0
Honeywell International Inc. COM 438516106   1,742 8,306 SH   SOLE   8,306 0 0
Host Hotels & Resorts, Inc. COM 44107P104   445 22,856 SH   SOLE   22,856 0 0
Humana Inc. COM 444859102   1,013 2,212 SH   SOLE   2,212 0 0
Intel Corp. COM 458140100   3,309 65,851 SH   SOLE   65,851 0 0
International Bancshares Corp. COM 459044103   13,934 256,525 SH   SOLE   256,525 0 0
International Business Machine COM 459200101   887 5,421 SH   SOLE   5,421 0 0
JPMorgan Chase & Co. COM 46625H100   4,344 25,538 SH   SOLE   25,538 0 0
Johnson & Johnson COM 478160104   1,317 8,401 SH   SOLE   8,401 0 0
Johnson Controls Inc. COM g51502105   493 8,556 SH   SOLE   8,556 0 0
KKR & Co. Inc. COM 48251w104   10,698 129,127 SH   SOLE   129,127 0 0
Koninklijke Philips Electronic COM 500472303   755 32,358 SH   SOLE   32,358 0 0
Lockheed Martin Corp. COM 539830109   853 1,883 SH   SOLE   1,883 0 0
Lowe's Companies, Inc. COM 548661107   730 3,280 SH   SOLE   3,280 0 0
Lumen Technologies, Inc. COM 550241103   259 141,425 SH   SOLE   141,425 0 0
Marriott International, Inc. C COM 571903202   451 2,000 SH   SOLE   2,000 0 0
Marsh & McLennan Companies, In COM 571748102   463 2,445 SH   SOLE   2,445 0 0
McDonald's Corp. COM 580135101   2,494 8,411 SH   SOLE   8,411 0 0
McKesson Corp. COM 58155Q103   857 1,850 SH   SOLE   1,850 0 0
Merck & Co. Inc. New COM 58933Y105   486 4,457 SH   SOLE   4,457 0 0
Meta Platforms Inc. COM 30303m102   8,366 23,635 SH   SOLE   23,635 0 0
Microsoft Corp. COM 594918104   10,451 27,791 SH   SOLE   27,791 0 0
Morgan Stanley COM 617446448   291 3,120 SH   SOLE   3,120 0 0
Motorola Solutions Inc. COM 620076307   317 1,012 SH   SOLE   1,012 0 0
Netflix, Inc. COM 64110l106   2,288 4,700 SH   SOLE   4,700 0 0
Nike Inc. Cl B COM 654106103   660 6,076 SH   SOLE   6,076 0 0
Nokia Corp (ADR) COM 654902204   125 36,500 SH   SOLE   36,500 0 0
Oracle Corp. COM 68389X105   3,488 33,086 SH   SOLE   33,086 0 0
PNC Financial Services Group, COM 693475105   533 3,440 SH   SOLE   3,440 0 0
Paramount Global Class B COM 92556h206   1,231 83,214 SH   SOLE   83,214 0 0
Paypal Holdings Inc. COM 70450y103   1,656 26,966 SH   SOLE   26,966 0 0
Pepsico, Inc. COM 713448108   647 3,809 SH   SOLE   3,809 0 0
Pfizer, Inc. COM 717081103   3,006 104,427 SH   SOLE   104,427 0 0
Philip Morris International In COM 718172109   468 4,970 SH   SOLE   4,970 0 0
Procter & Gamble Co. COM 742718109   2,341 15,973 SH   SOLE   15,973 0 0
Qualcomm Inc. COM 747525103   1,845 12,760 SH   SOLE   12,760 0 0
Qurate Retail Group COM 74915m100   32 37,000 SH   SOLE   37,000 0 0
Raytheon Technologies Corp COM 75513E101   346 4,115 SH   SOLE   4,115 0 0
Roblox Corp Ordinary Shares Cl COM 771049103   3,940 86,168 SH   SOLE   86,168 0 0
SAP AG (ADR) COM 803054204   751 4,858 SH   SOLE   4,858 0 0
SJW Group Com COM 784305104   392 6,000 SH   SOLE   6,000 0 0
Salesforce.Com COM 79466L302   241 914 SH   SOLE   914 0 0
Schlumberger Ltd F COM 806857108   289 5,550 SH   SOLE   5,550 0 0
Sempra Energy COM 816851109   223 2,982 SH   SOLE   2,982 0 0
Senseonics Holdings COM 81727u105   7 11,500 SH   SOLE   11,500 0 0
Shell PLC COM 780259305   1,181 17,953 SH   SOLE   17,953 0 0
Sony Corp. (ADR) COM 835699307   1,543 16,295 SH   SOLE   16,295 0 0
Stellantis N.V. COM N82405106   684 29,350 SH   SOLE   29,350 0 0
TE Connectivity Ltd. F COM h84989104   1,307 9,305 SH   SOLE   9,305 0 0
Tapestry Inc. COM 876030107   290 7,879 SH   SOLE   7,879 0 0
Target Corp. COM 87612E106   468 3,285 SH   SOLE   3,285 0 0
Tesla Motors Inc. COM 88160r101   2,049 8,247 SH   SOLE   8,247 0 0
Teva Pharmaceutical Industries COM 881624209   147 14,100 SH   SOLE   14,100 0 0
The Walt Disney Co. COM 254687106   2,356 26,092 SH   SOLE   26,092 0 0
Thermo Fisher Scientific Inc. COM 883556102   1,087 2,048 SH   SOLE   2,048 0 0
Toyota Motor Corp. (ADR) COM 892331307   202 1,100 SH   SOLE   1,100 0 0
UBS Group CHF0.10 COM H42097107   1,246 40,330 SH   SOLE   40,330 0 0
UnitedHealth Group, Inc. COM 91324P102   7,459 14,168 SH   SOLE   14,168 0 0
Verizon Communications Inc. COM 92343V104   343 9,104 SH   SOLE   9,104 0 0
Visa, Inc. Cl A COM 92826C839   531 2,039 SH   SOLE   2,039 0 0
Vishay Intertechnology Inc. COM 928298108   204 8,500 SH   SOLE   8,500 0 0
Vodafone Group (ADR) COM 92857w308   113 13,000 SH   SOLE   13,000 0 0
WPP PLC F Sponsored ADR COM 92937A102   235 4,950 SH   SOLE   4,950 0 0
Wal-Mart Inc. COM 931142103   1,640 10,405 SH   SOLE   10,405 0 0
Warner Bros. Discovery Inc. Se COM 934423104   1,917 168,483 SH   SOLE   168,483 0 0
Waste Management Inc. COM 94106L109   976 5,450 SH   SOLE   5,450 0 0
WeWork Inc. COM 96209A401   9 31,303 SH   SOLE   31,303 0 0
Wells Fargo & Co. New COM 949746101   2,640 53,643 SH   SOLE   53,643 0 0
Wynn Resorts LTD COM 983134107   213 2,340 SH   SOLE   2,340 0 0
Yum China Holdings Inc. COM 98850p109   454 10,710 SH   SOLE   10,710 0 0
Yum! Brands, Inc. COM 988498101   1,399 10,710 SH   SOLE   10,710 0 0
eBay, Inc. COM 278642103   833 19,105 SH   SOLE   19,105 0 0
ARK Innovations ETF COM 00214q104   220 4,200 SH   SOLE   4,200 0 0
Avantis Emerging Markets Equit COM 025072604   3,970 70,396 SH   SOLE   70,396 0 0
Avantis International Equity E COM 025072703   2,679 44,337 SH   SOLE   44,337 0 0
Avantis International Large Ca COM 025072364   523 10,155 SH   SOLE   10,155 0 0
Avantis Real Estate ETF COM 025072356   4,478 103,399 SH   SOLE   103,399 0 0
Avantis U.S. Equity ETF COM 025072885   5,000 61,306 SH   SOLE   61,306 0 0
Avantis U.S. Large Cap Value E COM 025072349   4,914 85,076 SH   SOLE   85,076 0 0
Avantis US Small Cap ValueETF COM 025072877   2,495 27,784 SH   SOLE   27,784 0 0
Capital Group Core PLU COM 14020Y102   1,592 70,154 SH   SOLE   70,154 0 0
Capital Group Growth ETF COM 14020g101   792 28,068 SH   SOLE   28,068 0 0
Capital Group International Fo COM 14019w109   20,968 878,409 SH   SOLE   878,409 0 0
Dimensional Emerging Core Equi COM 25434v302   8,769 363,706 SH   SOLE   363,706 0 0
Dimensional Emerging Mkts Core COM 25434V732   606 24,280 SH   SOLE   24,280 0 0
Dimensional Global Real Estate COM 25434V658   2,046 78,740 SH   SOLE   78,740 0 0
Dimensional International Valu COM 25434v807   640 18,615 SH   SOLE   18,615 0 0
Dimensional Intl Core Equity M COM 25434v203   4,087 142,690 SH   SOLE   142,690 0 0
Dimensional US Core Equity Mar COM 25434V104   723 21,750 SH   SOLE   21,750 0 0
Dimensional US Equity ETF COM 25434v401   261 5,030 SH   SOLE   5,030 0 0
Dimensional US Large Cap Value COM 25434v666   228 8,425 SH   SOLE   8,425 0 0
Dimensional US Real Estate Tru COM 25434v823   867 38,120 SH   SOLE   38,120 0 0
Dimensional US Target Value ET COM 25434v609   2,540 48,543 SH   SOLE   48,543 0 0
Direxion Daily Financial Bull COM 25459y694   992 12,000 SH   SOLE   12,000 0 0
ETFMG Prime Mobile Payments ET COM 26924G409   1,412 30,428 SH   SOLE   30,428 0 0
Energy Select Sector SPDR COM 81369Y506   7,200 85,880 SH   SOLE   85,880 0 0
Financial Select Sector SPDR COM 81369Y605   1,303 34,655 SH   SOLE   34,655 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660   743 34,816 SH   SOLE   34,816 0 0
Global X MLP & Energy Infrastr COM 37954y293   3,858 86,466 SH   SOLE   86,466 0 0
Global X Robotics & AI Themati COM 37954y715   7,711 270,570 SH   SOLE   270,570 0 0
Goldman Sachs Innovative Equit COM 38149W820   4,652 88,619 SH   SOLE   88,619 0 0
Harbor Dividend Growth Leaders COM 41151j703   274 20,400 SH   SOLE   20,400 0 0
Harbor Long Term Growers ETF COM 41151j406   1,828 88,434 SH   SOLE   88,434 0 0
Health Care Sector Select SPDR COM 81369Y209   1,168 8,564 SH   SOLE   8,564 0 0
Industrial Select Sector SPDR COM 81369y704   1,607 14,095 SH   SOLE   14,095 0 0
Invesco KBW Bank ETF COM 46138e628   18,733 380,820 SH   SOLE   380,820 0 0
Invesco KBW Regional Banking COM 46138e578   329 6,025 SH   SOLE   6,025 0 0
Invesco NASDAQ 100 ETF COM 46138G649   7,347 43,592 SH   SOLE   43,592 0 0
Invesco QQQ Trust Series 1 COM 46090e103   17,498 42,729 SH   SOLE   42,729 0 0
Invesco S&P 500 Pure Growth ET COM 46137v266   1,680 52,075 SH   SOLE   52,075 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258   5,249 63,951 SH   SOLE   63,951 0 0
Invesco Water Resources COM 46137v142   304 5,000 SH   SOLE   5,000 0 0
JP Morgan International Growth COM 46641Q324   686 11,765 SH   SOLE   11,765 0 0
KraneShares CSI China Internet COM 500767306   1,284 47,570 SH   SOLE   47,570 0 0
Materials Select Sector SPDR E COM 81369Y100   1,036 12,115 SH   SOLE   12,115 0 0
Pacer US Cash Cows 100 ETF COM 69374h881   517 9,949 SH   SOLE   9,949 0 0
Robo Global Healthcare Tech & COM 301505723   3,089 110,201 SH   SOLE   110,201 0 0
Robo Global Robotics & Automat COM 301505707   1,388 24,219 SH   SOLE   24,219 0 0
Royce Value Trust Inc. COM 780910105   800 54,972 SH   SOLE   54,972 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202   229 4,800 SH   SOLE   4,800 0 0
SPDR Dow Jones Global Real Est COM 78463x749   708 16,206 SH   SOLE   16,206 0 0
SPDR Dow Jones Industrial Aver COM 78467x109   746 1,980 SH   SOLE   1,980 0 0
SPDR Gold Trust ETF COM 78463v107   394 2,060 SH   SOLE   2,060 0 0
SPDR KBW Regional Banking ETF COM 78464A698   1,019 19,440 SH   SOLE   19,440 0 0
SPDR Portfolio Devel. World EX COM 78463X889   3,126 91,905 SH   SOLE   91,905 0 0
SPDR Portfolio S&P 500 ETF COM 78464A854   10,243 183,230 SH   SOLE   183,230 0 0
SPDR S&P 400 Mid Cap ETF COM 78464a847   2,119 43,485 SH   SOLE   43,485 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839   611 8,330 SH   SOLE   8,330 0 0
SPDR S&P 500 Index ETF COM 78462F103   2,836 5,966 SH   SOLE   5,966 0 0
SPDR S&P 600 Small Cap ETF COM 78468r853   928 22,009 SH   SOLE   22,009 0 0
SPDR S&P Bank ETF COM 78464A797   318 6,907 SH   SOLE   6,907 0 0
SPDR S&P Global Natural Resour COM 78463X541   3,375 59,571 SH   SOLE   59,571 0 0
SPDR S&P Homebuilders ETF COM 78464a888   220 2,300 SH   SOLE   2,300 0 0
SPDR S&P Kensho New Economies COM 78468R648   3,546 75,929 SH   SOLE   75,929 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107   1,088 2,145 SH   SOLE   2,145 0 0
SPDR S&P Oil & Gas Explor & Pr COM 78468r556   206 1,506 SH   SOLE   1,506 0 0
SPDR Series Trust Biotech COM 78464a870   2,160 24,196 SH   SOLE   24,196 0 0
Schwab 1000 Index ETF COM 808524722   438 9,500 SH   SOLE   9,500 0 0
Schwab Emerging Markets Equity COM 808524706   512 20,654 SH   SOLE   20,654 0 0
Schwab Fundamental Intl Large COM 808524755   377 11,170 SH   SOLE   11,170 0 0
Schwab Fundamental US Large Co COM 808524771   588 9,500 SH   SOLE   9,500 0 0
Schwab International Equity ET COM 808524805   725 19,626 SH   SOLE   19,626 0 0
Schwab International Small Cap COM 808524888   1,147 32,863 SH   SOLE   32,863 0 0
Schwab Strategic US Large Cap COM 808524300   455 5,485 SH   SOLE   5,485 0 0
Schwab US Broad Market ETF COM 808524102   1,338 24,027 SH   SOLE   24,027 0 0
Schwab US Dividend Equity ETF COM 808524797   593 7,785 SH   SOLE   7,785 0 0
Schwab US Large Cap Value ETF COM 808524409   996 14,213 SH   SOLE   14,213 0 0
Schwab US Mid Cap ETF COM 808524508   758 10,064 SH   SOLE   10,064 0 0
Schwab US Small Cap ETF COM 808524607   934 19,779 SH   SOLE   19,779 0 0
Select Sector SPDR TR Communic COM 81369y852   275 3,780 SH   SOLE   3,780 0 0
Technology Select Sector SPDR COM 81369Y803   828 4,300 SH   SOLE   4,300 0 0
The Emerging Mkts Internet & E COM 301505889   5,918 192,080 SH   SOLE   192,080 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106   236 7,600 SH   SOLE   7,600 0 0
Vanguard Dividend Appreciation COM 921908844   712 4,179 SH   SOLE   4,179 0 0
Vanguard Emerging Markets ETF COM 922042858   3,309 80,506 SH   SOLE   80,506 0 0
Vanguard Energy ETF COM 92204A306   705 6,010 SH   SOLE   6,010 0 0
Vanguard European ETF COM 922042874   1,473 22,850 SH   SOLE   22,850 0 0
Vanguard Extended Market Index COM 922908652   12,104 73,619 SH   SOLE   73,619 0 0
Vanguard FTSE All World Ex-US COM 922042775   4,283 76,290 SH   SOLE   76,290 0 0
Vanguard FTSE All-World Ex-US COM 922042718   2,107 18,317 SH   SOLE   18,317 0 0
Vanguard FTSE Developed Market COM 921943858   2,421 50,540 SH   SOLE   50,540 0 0
Vanguard Financials ETF COM 92204A405   4,827 52,315 SH   SOLE   52,315 0 0
Vanguard Global ex-US Real Est COM 922042676   2,099 49,278 SH   SOLE   49,278 0 0
Vanguard Growth ETF COM 922908736   4,772 15,351 SH   SOLE   15,351 0 0
Vanguard Health Care ETF COM 92204A504   1,852 7,389 SH   SOLE   7,389 0 0
Vanguard High Dividend Yield E COM 921946406   698 6,255 SH   SOLE   6,255 0 0
Vanguard Index Fund Small Cap COM 922908611   611 3,395 SH   SOLE   3,395 0 0
Vanguard Large Cap Index FDS E COM 922908637   218 1,000 SH   SOLE   1,000 0 0
Vanguard Mega Cap 300 Growth I COM 921910816   8,160 31,445 SH   SOLE   31,445 0 0
Vanguard Mega Cap 300 Index ET COM 921910873   520 3,071 SH   SOLE   3,071 0 0
Vanguard Mega Cap 300 Value In COM 921910840   8,951 81,841 SH   SOLE   81,841 0 0
Vanguard Mid Cap Growth ETF COM 922908538   2,208 10,057 SH   SOLE   10,057 0 0
Vanguard Mid-Cap ETF COM 922908629   20,679 88,890 SH   SOLE   88,890 0 0
Vanguard Mid-Cap Value ETF COM 922908512   4,775 32,927 SH   SOLE   32,927 0 0
Vanguard REIT ETF COM 922908553   1,045 11,829 SH   SOLE   11,829 0 0
Vanguard S&P 500 ETF COM 922908363   10,250 23,467 SH   SOLE   23,467 0 0
Vanguard Small Cap ETF COM 922908751   2,950 13,826 SH   SOLE   13,826 0 0
Vanguard Small Cap Growth ETF COM 922908595   400 1,653 SH   SOLE   1,653 0 0
Vanguard Total International S COM 921909768   4,346 74,983 SH   SOLE   74,983 0 0
Vanguard Total Stock Mkt ETF COM 922908769   2,677 11,285 SH   SOLE   11,285 0 0
Vanguard Value ETF COM 922908744   13,080 87,494 SH   SOLE   87,494 0 0
WisdomTree China Ex-State-Owne COM 97717X719   1,673 59,720 SH   SOLE   59,720 0 0
X-Trackers International Real COM 233051846   206 9,404 SH   SOLE   9,404 0 0
iShares Core Dividend Growth COM 46434v621   269 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842   1,562 22,204 SH   SOLE   22,204 0 0
iShares Core High Dividend ETF COM 46429B663   296 2,900 SH   SOLE   2,900 0 0
iShares Core MSCI Emerging Mkt COM 46434g103   6,931 137,024 SH   SOLE   137,024 0 0
iShares Core S&P 500 ETF COM 464287200   7,687 16,095 SH   SOLE   16,095 0 0
iShares Core S&P Midcap ETF COM 464287507   5,480 19,773 SH   SOLE   19,773 0 0
iShares Core S&P Small Cap ETF COM 464287804   2,355 21,752 SH   SOLE   21,752 0 0
iShares Core S&P Total US Stoc COM 464287150   562 5,344 SH   SOLE   5,344 0 0
iShares Core S&P US Growth ETF COM 464287671   443 4,255 SH   SOLE   4,255 0 0
iShares DJ US Home Constructio COM 464288752   3,229 31,740 SH   SOLE   31,740 0 0
iShares Dow Jones Reg Banks In COM 464288778   238 5,700 SH   SOLE   5,700 0 0
iShares Edge MSCI Intl Quality COM 46434V456   3,023 80,487 SH   SOLE   80,487 0 0
iShares Edge MSCI USA Quality COM 46432F339   5,110 34,729 SH   SOLE   34,729 0 0
iShares Global REIT ETF COM 46434V647   4,217 174,385 SH   SOLE   174,385 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182   8,696 130,628 SH   SOLE   130,628 0 0
iShares MSCI Brazil Index ETF COM 464286400   1,689 48,319 SH   SOLE   48,319 0 0
iShares MSCI China ETF COM 46429b671   595 14,600 SH   SOLE   14,600 0 0
iShares MSCI EAFE Growth ETF COM 464288885   1,630 16,830 SH   SOLE   16,830 0 0
iShares MSCI EAFE Index ETF COM 464287465   422 5,600 SH   SOLE   5,600 0 0
iShares MSCI EAFE Value Index COM 464288877   3,565 68,422 SH   SOLE   68,422 0 0
iShares MSCI EMU Index Fund ET COM 464286608   987 20,810 SH   SOLE   20,810 0 0
iShares MSCI Emerging Markets COM 464286426   397 6,000 SH   SOLE   6,000 0 0
iShares MSCI Emerging Markets COM 464287234   342 8,510 SH   SOLE   8,510 0 0
iShares MSCI Japan Index ETF COM 46434g822   632 9,855 SH   SOLE   9,855 0 0
iShares MSCI Mexico Investible COM 464286822   251 3,700 SH   SOLE   3,700 0 0
iShares Nasdaq Biotechnology COM 464287556   4,028 29,647 SH   SOLE   29,647 0 0
iShares Russell 1000 ETF COM 464287622   659 2,511 SH   SOLE   2,511 0 0
iShares Russell 1000 Growth In COM 464287614   2,735 9,020 SH   SOLE   9,020 0 0
iShares Russell 1000 Value Ind COM 464287598   4,423 26,766 SH   SOLE   26,766 0 0
iShares Russell 2000 Index ETF COM 464287655   1,097 5,467 SH   SOLE   5,467 0 0
iShares Russell 2000 Value Ind COM 464287630   856 5,510 SH   SOLE   5,510 0 0
iShares Russell 3000 Index Fun COM 464287689   331 1,210 SH   SOLE   1,210 0 0
iShares Russell Midcap Index F COM 464287499   403 5,180 SH   SOLE   5,180 0 0
iShares Russell Midcap Value I COM 464287473   1,005 8,641 SH   SOLE   8,641 0 0
iShares S&P 100 Index ETF COM 464287101   913 4,085 SH   SOLE   4,085 0 0
iShares S&P 500/Barra Growth E COM 464287309   1,012 13,469 SH   SOLE   13,469 0 0
iShares S&P 500/Barra Value ET COM 464287408   2,627 15,110 SH   SOLE   15,110 0 0
iShares S&P Global Healthcare COM 464287325   295 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291   5,863 86,000 SH   SOLE   86,000 0 0
iShares S&P Midcap 400/Growth COM 464287606   675 8,526 SH   SOLE   8,526 0 0
iShares S&P Midcap 400/Value E COM 464287705   3,902 34,217 SH   SOLE   34,217 0 0
iShares S&P Small Cap 600 Valu COM 464287879   475 4,605 SH   SOLE   4,605 0 0
iShares Trust - iShares Core U COM 464287663   403 4,780 SH   SOLE   4,780 0 0
iShares Trust Core MSCI Total COM 46432F834   581 8,952 SH   SOLE   8,952 0 0
Capital Group Short Duration I COM 14020Y409   2,730 107,282 SH   SOLE   107,282 0 0
JP Morgan Ultra Short Income F COM 46641q837   8,066 160,576 SH   SOLE   160,576 0 0
PCM Fund, Inc. COM 69323T101   1,057 132,750 SH   SOLE   132,750 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783   816 8,768 SH   SOLE   8,768 0 0
PIMCO Access Fund COM 72203T100   9,248 646,706 SH   SOLE   646,706 0 0
PIMCO Dynamic Income COM 72201y101   15,791 879,723 SH   SOLE   879,723 0 0
PIMCO Dynamic Income Opportuni COM 69355M107   10,621 867,690 SH   SOLE   867,690 0 0
PIMCO Short Maturity ETF COM 72201r833   5,886 58,987 SH   SOLE   58,987 0 0
PIMCO Total Return ETF COM 72201R775   271 2,930 SH   SOLE   2,930 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707   472 11,700 SH   SOLE   11,700 0 0
Vanguard Short Term Bond ETF COM 921937827   2,990 38,820 SH   SOLE   38,820 0 0
Vanguard Short-Term Corporate COM 92206c409   927 11,980 SH   SOLE   11,980 0 0
Vanguard Total Bond Market ETF COM 921937835   6,984 94,959 SH   SOLE   94,959 0 0
Vanguard Ultra Short Bond ETF COM 92203c303   957 19,350 SH   SOLE   19,350 0 0
iShares California Muni Bond E COM 464288356   307 5,300 SH   SOLE   5,300 0 0
iShares National Muni Bond ETF COM 464288414   2,263 20,872 SH   SOLE   20,872 0 0
iShares Short Maturity Bond ET COM 46431W507   506 10,025 SH   SOLE   10,025 0 0
iShares Short Treasury Bond ET COM 464288679   1,495 13,576 SH   SOLE   13,576 0 0
iShares US PFD ETF US PFD STK COM 464288687   2,419 77,555 SH   SOLE   77,555 0 0