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
AMBEV S.A. COM 02319v103   30 12,000 SH   SOLE   12,000 0 0
AT&T, Inc. COM 00206R102   564 32,074 SH   SOLE   32,074 0 0
AbbVie Inc. COM 00287y109   249 1,365 SH   SOLE   1,365 0 0
Agilent Technologies Inc. COM 00846U101   531 3,646 SH   SOLE   3,646 0 0
Alibaba Group Holding Limited COM 01609w102   1,581 21,849 SH   SOLE   21,849 0 0
Alphabet Inc Cl A COM 02079k305   1,744 11,553 SH   SOLE   11,553 0 0
Alphabet Inc Cl C COM 02079k107   2,415 15,864 SH   SOLE   15,864 0 0
Amazon.Com Inc. COM 023135106   5,650 31,322 SH   SOLE   31,322 0 0
American Express Company COM 025816109   2,812 12,348 SH   SOLE   12,348 0 0
American International Group N COM 026874784   2,439 31,195 SH   SOLE   31,195 0 0
Amgen Inc. COM 031162100   599 2,107 SH   SOLE   2,107 0 0
Apollo Commercial Real Estate COM 03762U105   195 17,500 SH   SOLE   17,500 0 0
Apollo Global Management Inc. COM 03769m106   8,192 72,848 SH   SOLE   72,848 0 0
Apple Inc. COM 037833100   17,151 100,018 SH   SOLE   100,018 0 0
Applied Materials Inc COM 038222105   1,470 7,129 SH   SOLE   7,129 0 0
Assurant Inc. COM 04621X108   226 1,200 SH   SOLE   1,200 0 0
Autodesk Inc COM 052769106   370 1,420 SH   SOLE   1,420 0 0
Banco Santander, S.A. (ADR) COM 05964h105   139 28,750 SH   SOLE   28,750 0 0
Bank of America Corp. COM 060505104   4,682 123,477 SH   SOLE   123,477 0 0
Becton Dickinson & Co COM 075887109   666 2,693 SH   SOLE   2,693 0 0
Berkshire Hathaway Cl B COM 084670702   3,067 7,294 SH   SOLE   7,294 0 0
Blackstone Group Inc. Cl A COM 09260D107   10,424 79,350 SH   SOLE   79,350 0 0
Block, Inc. COM 852234103   501 5,925 SH   SOLE   5,925 0 0
Boeing Company COM 097023105   1,944 10,075 SH   SOLE   10,075 0 0
Bristol-Myers Squibb Co. COM 110122108   656 12,088 SH   SOLE   12,088 0 0
Brookfield Asset Management Cl COM 113004105   799 19,024 SH   SOLE   19,024 0 0
Brookfield Corporation COM 11271J107   1,347 32,176 SH   SOLE   32,176 0 0
Byline Bancorp Inc. COM 124411109   984 45,291 SH   SOLE   45,291 0 0
CSX Corp. COM 126408103   423 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100   3,888 48,747 SH   SOLE   48,747 0 0
Carlyle Group COM 14316J108   6,348 135,330 SH   SOLE   135,330 0 0
Caterpillar Inc. COM 149123101   1,888 5,152 SH   SOLE   5,152 0 0
Charles Schwab Corp. COM 808513105   3,966 54,821 SH   SOLE   54,821 0 0
Chevron Corporation COM 166764100   589 3,734 SH   SOLE   3,734 0 0
Cisco Systems Inc COM 17275R102   1,965 39,376 SH   SOLE   39,376 0 0
Citigroup Inc. COM 172967424   719 11,375 SH   SOLE   11,375 0 0
Coca-Cola Co. COM 191216100   259 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101   2,958 68,237 SH   SOLE   68,237 0 0
ConocoPhillips COM 20825C104   816 6,413 SH   SOLE   6,413 0 0
Costco Wholesale Corp. New COM 22160K105   3,445 4,702 SH   SOLE   4,702 0 0
Danaher Corporation COM 235851102   305 1,220 SH   SOLE   1,220 0 0
Dell Inc COM 24703l202   643 5,634 SH   SOLE   5,634 0 0
Diageo Plc New (ADR) COM 25243Q205   235 1,580 SH   SOLE   1,580 0 0
DraftKings Inc Com Cl A COM 26142v105   1,816 40,000 SH   SOLE   40,000 0 0
Eli Lilly & Co. COM 532457108   327 420 SH   SOLE   420 0 0
Expedia Group Inc. COM 30212p303   212 1,540 SH   SOLE   1,540 0 0
Exxon Mobil Corp. COM 30231G102   1,150 9,889 SH   SOLE   9,889 0 0
FedEx Corp. COM 31428X106   3,640 12,562 SH   SOLE   12,562 0 0
GE Healthcare Technologies Inc COM 36266g107   455 5,009 SH   SOLE   5,009 0 0
General Electric Company COM 369604301   6,264 35,684 SH   SOLE   35,684 0 0
Goldman Sachs Group Inc. COM 38141G104   1,069 2,560 SH   SOLE   2,560 0 0
HP Inc. COM 40434l105   1,021 33,786 SH   SOLE   33,786 0 0
Hewlett Packard Enterprise Com COM 42824c109   531 29,942 SH   SOLE   29,942 0 0
Home Depot Inc. COM 437076102   5,044 13,150 SH   SOLE   13,150 0 0
Honeywell International Inc. COM 438516106   1,705 8,306 SH   SOLE   8,306 0 0
Host Hotels & Resorts, Inc. COM 44107P104   473 22,856 SH   SOLE   22,856 0 0
Humana Inc. COM 444859102   1,079 3,112 SH   SOLE   3,112 0 0
Intel Corp. COM 458140100   2,902 65,701 SH   SOLE   65,701 0 0
International Bancshares Corp. COM 459044103   14,401 256,525 SH   SOLE   256,525 0 0
International Business Machine COM 459200101   1,031 5,399 SH   SOLE   5,399 0 0
JPMorgan Chase & Co. COM 46625H100   4,847 24,198 SH   SOLE   24,198 0 0
Johnson & Johnson COM 478160104   1,329 8,401 SH   SOLE   8,401 0 0
Johnson Controls Inc. COM g51502105   533 8,156 SH   SOLE   8,156 0 0
KKR & Co. Inc. COM 48251w104   13,046 129,712 SH   SOLE   129,712 0 0
Koninklijke Philips Electronic COM 500472303   605 30,269 SH   SOLE   30,269 0 0
Lockheed Martin Corp. COM 539830109   879 1,933 SH   SOLE   1,933 0 0
Lowe's Companies, Inc. COM 548661107   836 3,280 SH   SOLE   3,280 0 0
Lumen Technologies, Inc. COM 550241103   198 126,935 SH   SOLE   126,935 0 0
Marriott International, Inc. C COM 571903202   505 2,000 SH   SOLE   2,000 0 0
Marsh & McLennan Companies, In COM 571748102   504 2,445 SH   SOLE   2,445 0 0
McDonald's Corp. COM 580135101   2,273 8,061 SH   SOLE   8,061 0 0
McKesson Corp. COM 58155Q103   993 1,850 SH   SOLE   1,850 0 0
Merck & Co. Inc. New COM 58933Y105   588 4,457 SH   SOLE   4,457 0 0
Meta Platforms Inc. COM 30303m102   11,013 22,680 SH   SOLE   22,680 0 0
Microsoft Corp. COM 594918104   11,669 27,736 SH   SOLE   27,736 0 0
Morgan Stanley COM 617446448   294 3,120 SH   SOLE   3,120 0 0
Motorola Solutions Inc. COM 620076307   359 1,012 SH   SOLE   1,012 0 0
Netflix, Inc. COM 64110l106   2,736 4,505 SH   SOLE   4,505 0 0
Nike Inc. Cl B COM 654106103   571 6,076 SH   SOLE   6,076 0 0
Nokia Corp (ADR) COM 654902204   48 13,500 SH   SOLE   13,500 0 0
Oracle Corp. COM 68389X105   4,162 33,133 SH   SOLE   33,133 0 0
PNC Financial Services Group, COM 693475105   556 3,440 SH   SOLE   3,440 0 0
Paramount Global Class B COM 92556h206   1,707 144,994 SH   SOLE   144,994 0 0
Paypal Holdings Inc. COM 70450y103   1,884 28,123 SH   SOLE   28,123 0 0
Pepsico, Inc. COM 713448108   772 4,409 SH   SOLE   4,409 0 0
Pfizer, Inc. COM 717081103   3,224 116,193 SH   SOLE   116,193 0 0
Philip Morris International In COM 718172109   455 4,970 SH   SOLE   4,970 0 0
Procter & Gamble Co. COM 742718109   2,592 15,973 SH   SOLE   15,973 0 0
Public Service Enterprise Grou COM 744573106   200 3,000 SH   SOLE   3,000 0 0
Qualcomm Inc. COM 747525103   2,126 12,560 SH   SOLE   12,560 0 0
Qurate Retail Group COM 74915m100   46 37,000 SH   SOLE   37,000 0 0
Raytheon Technologies Corp COM 75513E101   401 4,115 SH   SOLE   4,115 0 0
Roblox Corp Ordinary Shares Cl COM 771049103   3,227 84,520 SH   SOLE   84,520 0 0
SAP AG (ADR) COM 803054204   947 4,858 SH   SOLE   4,858 0 0
SJW Group Com COM 784305104   340 6,000 SH   SOLE   6,000 0 0
Salesforce.Com COM 79466L302   230 764 SH   SOLE   764 0 0
Schlumberger Ltd F COM 806857108   304 5,550 SH   SOLE   5,550 0 0
Sempra Energy COM 816851109   214 2,982 SH   SOLE   2,982 0 0
Senseonics Holdings COM 81727u105   6 11,500 SH   SOLE   11,500 0 0
Shell PLC COM 780259305   1,200 17,903 SH   SOLE   17,903 0 0
Sony Corp. (ADR) COM 835699307   1,413 16,475 SH   SOLE   16,475 0 0
Stellantis N.V. COM N82405106   831 29,350 SH   SOLE   29,350 0 0
TE Connectivity Ltd. F COM h84989104   1,351 9,305 SH   SOLE   9,305 0 0
Tapestry Inc. COM 876030107   374 7,879 SH   SOLE   7,879 0 0
Target Corp. COM 87612E106   511 2,885 SH   SOLE   2,885 0 0
Tesla Motors Inc. COM 88160r101   1,633 9,292 SH   SOLE   9,292 0 0
Teva Pharmaceutical Industries COM 881624209   199 14,100 SH   SOLE   14,100 0 0
The Walt Disney Co. COM 254687106   3,367 27,517 SH   SOLE   27,517 0 0
Thermo Fisher Scientific Inc. COM 883556102   1,190 2,048 SH   SOLE   2,048 0 0
Toyota Motor Corp. (ADR) COM 892331307   277 1,100 SH   SOLE   1,100 0 0
UBS Group CHF0.10 COM H42097107   1,239 40,330 SH   SOLE   40,330 0 0
Uber Technologies Inc COM 90353T100   226 2,934 SH   SOLE   2,934 0 0
UnitedHealth Group, Inc. COM 91324P102   7,175 14,503 SH   SOLE   14,503 0 0
Verizon Communications Inc. COM 92343V104   386 9,204 SH   SOLE   9,204 0 0
Visa, Inc. Cl A COM 92826C839   544 1,949 SH   SOLE   1,949 0 0
Vodafone Group (ADR) COM 92857w308   126 14,200 SH   SOLE   14,200 0 0
Wal-Mart Inc. COM 931142103   1,878 31,215 SH   SOLE   31,215 0 0
Warner Bros. Discovery Inc. Se COM 934423104   2,177 249,358 SH   SOLE   249,358 0 0
Waste Management Inc. COM 94106L109   1,162 5,450 SH   SOLE   5,450 0 0
Wells Fargo & Co. New COM 949746101   3,022 52,143 SH   SOLE   52,143 0 0
Wynn Resorts LTD COM 983134107   239 2,340 SH   SOLE   2,340 0 0
Yum China Holdings Inc. COM 98850p109   426 10,710 SH   SOLE   10,710 0 0
Yum! Brands, Inc. COM 988498101   1,485 10,710 SH   SOLE   10,710 0 0
eBay, Inc. COM 278642103   1,008 19,105 SH   SOLE   19,105 0 0
ARK Innovations ETF COM 00214q104   208 4,150 SH   SOLE   4,150 0 0
Amplify Mobile Payments ETF COM 032108656   1,598 30,363 SH   SOLE   30,363 0 0
Avantis Emerging Markets Equit COM 025072604   3,338 57,588 SH   SOLE   57,588 0 0
Avantis International Equity E COM 025072703   2,586 40,573 SH   SOLE   40,573 0 0
Avantis International Large Ca COM 025072364   549 10,155 SH   SOLE   10,155 0 0
Avantis Real Estate ETF COM 025072356   3,668 86,755 SH   SOLE   86,755 0 0
Avantis U.S. Equity ETF COM 025072885   4,723 52,771 SH   SOLE   52,771 0 0
Avantis U.S. Large Cap Value E COM 025072349   5,886 91,603 SH   SOLE   91,603 0 0
Avantis US Small Cap ValueETF COM 025072877   2,600 27,744 SH   SOLE   27,744 0 0
BNY Mellon Concentrated Intern COM 09661t834   260 5,085 SH   SOLE   5,085 0 0
Capital Group Core Plus Income COM 14020Y102   1,905 84,798 SH   SOLE   84,798 0 0
Capital Group Dividend Value E COM 14020w106   406 12,507 SH   SOLE   12,507 0 0
Capital Group Growth ETF COM 14020g101   2,015 63,001 SH   SOLE   63,001 0 0
Capital Group International Fo COM 14019w109   23,374 906,671 SH   SOLE   906,671 0 0
Consumer Discret Sel Sect SPDR COM 81369Y407   202 1,100 SH   SOLE   1,100 0 0
Dimensional Emerging Core Equi COM 25434v302   9,054 366,249 SH   SOLE   366,249 0 0
Dimensional Emerging Mkts Core COM 25434V732   629 24,690 SH   SOLE   24,690 0 0
Dimensional Global Real Estate COM 25434V658   1,996 78,170 SH   SOLE   78,170 0 0
Dimensional International Valu COM 25434v807   1,043 28,375 SH   SOLE   28,375 0 0
Dimensional Intl Core Equity M COM 25434v203   4,271 141,330 SH   SOLE   141,330 0 0
Dimensional US Core Equity Mar COM 25434V104   795 21,750 SH   SOLE   21,750 0 0
Dimensional US Equity ETF COM 25434v401   294 5,160 SH   SOLE   5,160 0 0
Dimensional US Large Cap Value COM 25434v666   253 8,425 SH   SOLE   8,425 0 0
Dimensional US Real Estate Tru COM 25434v823   907 40,530 SH   SOLE   40,530 0 0
Dimensional US Target Value ET COM 25434v609   2,632 48,355 SH   SOLE   48,355 0 0
Direxion Daily Financial Bull COM 25459y694   1,346 12,000 SH   SOLE   12,000 0 0
Direxion NASDAQ-100 Equal Weig COM 25459y207   2,778 31,147 SH   SOLE   31,147 0 0
Energy Select Sector SPDR COM 81369Y506   8,070 85,480 SH   SOLE   85,480 0 0
Financial Select Sector SPDR COM 81369Y605   1,451 34,450 SH   SOLE   34,450 0 0
Franklin FTSE Asia ex-Japan ET COM 35473p660   540 24,810 SH   SOLE   24,810 0 0
Franklin LibertyQ U.S. Equity COM 35473P801   309 5,805 SH   SOLE   5,805 0 0
Global X MLP & Energy Infrastr COM 37954y293   4,238 86,516 SH   SOLE   86,516 0 0
Global X Robotics & AI Themati COM 37954y715   8,697 273,413 SH   SOLE   273,413 0 0
Goldman Sachs Innovative Equit COM 38149W820   5,063 90,197 SH   SOLE   90,197 0 0
Harbor Dividend Growth Leaders COM 41151j703   297 20,400 SH   SOLE   20,400 0 0
Harbor Long Term Growers ETF COM 41151j406   2,629 112,030 SH   SOLE   112,030 0 0
Health Care Sector Select SPDR COM 81369Y209   1,236 8,364 SH   SOLE   8,364 0 0
Industrial Select Sector SPDR COM 81369y704   1,687 13,395 SH   SOLE   13,395 0 0
Invesco KBW Bank ETF COM 46138e628   18,904 352,288 SH   SOLE   352,288 0 0
Invesco KBW Regional Banking COM 46138e578   307 6,025 SH   SOLE   6,025 0 0
Invesco NASDAQ 100 ETF COM 46138G649   14,520 79,478 SH   SOLE   79,478 0 0
Invesco QQQ Trust Series 1 COM 46090e103   18,948 42,674 SH   SOLE   42,674 0 0
Invesco S&P 500 Pure Growth ET COM 46137v266   1,101 29,980 SH   SOLE   29,980 0 0
Invesco S&P 500 Pure Value ETF COM 46137v258   4,291 48,524 SH   SOLE   48,524 0 0
Invesco Water Resources COM 46137v142   333 5,000 SH   SOLE   5,000 0 0
JP Morgan International Growth COM 46641Q324   698 11,090 SH   SOLE   11,090 0 0
KraneShares CSI China Internet COM 500767306   615 23,430 SH   SOLE   23,430 0 0
Materials Select Sector SPDR E COM 81369Y100   1,028 11,065 SH   SOLE   11,065 0 0
Pacer US Cash Cows 100 ETF COM 69374h881   691 11,885 SH   SOLE   11,885 0 0
Robo Global Healthcare Tech & COM 301505723   1,409 49,586 SH   SOLE   49,586 0 0
Robo Global Robotics & Automat COM 301505707   1,401 23,894 SH   SOLE   23,894 0 0
Royce Value Trust Inc. COM 780910105   874 57,586 SH   SOLE   57,586 0 0
SDPR Developed World ex-US ETF COM 78463X889   3,525 98,340 SH   SOLE   98,340 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202   252 4,800 SH   SOLE   4,800 0 0
SPDR Dow Jones Global Real Est COM 78463x749   649 15,156 SH   SOLE   15,156 0 0
SPDR Dow Jones Industrial Aver COM 78467x109   788 1,980 SH   SOLE   1,980 0 0
SPDR Gold Trust ETF COM 78463v107   424 2,060 SH   SOLE   2,060 0 0
SPDR KBW Regional Banking ETF COM 78464A698   977 19,440 SH   SOLE   19,440 0 0
SPDR Portfolio S&P 500 ETF COM 78464A854   19,896 323,354 SH   SOLE   323,354 0 0
SPDR S&P 400 Mid Cap ETF COM 78464a847   2,173 40,730 SH   SOLE   40,730 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839   629 8,280 SH   SOLE   8,280 0 0
SPDR S&P 500 Index ETF COM 78462F103   3,121 5,966 SH   SOLE   5,966 0 0
SPDR S&P 600 Small Cap ETF COM 78468r853   815 18,944 SH   SOLE   18,944 0 0
SPDR S&P Bank ETF COM 78464A797   295 6,267 SH   SOLE   6,267 0 0
SPDR S&P Global Natural Resour COM 78463X541   3,003 51,838 SH   SOLE   51,838 0 0
SPDR S&P Homebuilders ETF COM 78464a888   257 2,300 SH   SOLE   2,300 0 0
SPDR S&P Kensho New Economies COM 78468R648   3,666 76,250 SH   SOLE   76,250 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107   1,138 2,045 SH   SOLE   2,045 0 0
SPDR S&P Oil & Gas Explor & Pr COM 78468r556   233 1,506 SH   SOLE   1,506 0 0
SPDR Series Trust Biotech COM 78464a870   3,014 31,766 SH   SOLE   31,766 0 0
Schwab 1000 Index ETF COM 808524722   481 9,500 SH   SOLE   9,500 0 0
Schwab Emerging Markets Equity COM 808524706   346 13,704 SH   SOLE   13,704 0 0
Schwab Fundamental Intl Large COM 808524755   398 11,170 SH   SOLE   11,170 0 0
Schwab Fundamental US Large Co COM 808524771   640 9,500 SH   SOLE   9,500 0 0
Schwab International Equity ET COM 808524805   767 19,646 SH   SOLE   19,646 0 0
Schwab International Small Cap COM 808524888   1,176 32,863 SH   SOLE   32,863 0 0
Schwab Strategic US Large Cap COM 808524300   509 5,485 SH   SOLE   5,485 0 0
Schwab US Broad Market ETF COM 808524102   1,542 25,251 SH   SOLE   25,251 0 0
Schwab US Large Cap Value ETF COM 808524409   1,077 14,178 SH   SOLE   14,178 0 0
Schwab US Mid Cap ETF COM 808524508   832 10,214 SH   SOLE   10,214 0 0
Schwab US Small Cap ETF COM 808524607   268 5,450 SH   SOLE   5,450 0 0
Select Sector SPDR TR Communic COM 81369y852   309 3,780 SH   SOLE   3,780 0 0
Technology Select Sector SPDR COM 81369Y803   875 4,200 SH   SOLE   4,200 0 0
The Emerging Mkts Internet & E COM 301505889   3,770 120,404 SH   SOLE   120,404 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106   240 7,600 SH   SOLE   7,600 0 0
Vanguard Dividend Appreciation COM 921908844   859 4,706 SH   SOLE   4,706 0 0
Vanguard Emerging Markets ETF COM 922042858   3,193 76,446 SH   SOLE   76,446 0 0
Vanguard Energy ETF COM 92204A306   792 6,010 SH   SOLE   6,010 0 0
Vanguard European ETF COM 922042874   1,539 22,850 SH   SOLE   22,850 0 0
Vanguard Extended Market Index COM 922908652   13,203 75,327 SH   SOLE   75,327 0 0
Vanguard FTSE All World Ex-US COM 922042775   4,310 73,490 SH   SOLE   73,490 0 0
Vanguard FTSE All-World Ex-US COM 922042718   1,967 16,837 SH   SOLE   16,837 0 0
Vanguard FTSE Developed Market COM 921943858   2,731 54,443 SH   SOLE   54,443 0 0
Vanguard Financials ETF COM 92204A405   5,236 51,140 SH   SOLE   51,140 0 0
Vanguard Global ex-US Real Est COM 922042676   1,917 45,493 SH   SOLE   45,493 0 0
Vanguard Growth ETF COM 922908736   5,580 16,212 SH   SOLE   16,212 0 0
Vanguard Health Care ETF COM 92204A504   1,929 7,130 SH   SOLE   7,130 0 0
Vanguard High Dividend Yield E COM 921946406   714 5,905 SH   SOLE   5,905 0 0
Vanguard Index Fund Small Cap COM 922908611   651 3,395 SH   SOLE   3,395 0 0
Vanguard Large Cap Index FDS E COM 922908637   240 1,000 SH   SOLE   1,000 0 0
Vanguard Mega Cap 300 Growth I COM 921910816   9,066 31,632 SH   SOLE   31,632 0 0
Vanguard Mega Cap 300 Index ET COM 921910873   597 3,196 SH   SOLE   3,196 0 0
Vanguard Mega Cap 300 Value In COM 921910840   10,389 86,931 SH   SOLE   86,931 0 0
Vanguard Mid Cap Growth ETF COM 922908538   2,340 9,922 SH   SOLE   9,922 0 0
Vanguard Mid-Cap ETF COM 922908629   22,407 89,680 SH   SOLE   89,680 0 0
Vanguard Mid-Cap Value ETF COM 922908512   5,151 33,037 SH   SOLE   33,037 0 0
Vanguard REIT ETF COM 922908553   863 9,974 SH   SOLE   9,974 0 0
Vanguard S&P 500 ETF COM 922908363   7,625 15,862 SH   SOLE   15,862 0 0
Vanguard Small Cap ETF COM 922908751   3,102 13,568 SH   SOLE   13,568 0 0
Vanguard Small Cap Growth ETF COM 922908595   431 1,653 SH   SOLE   1,653 0 0
Vanguard Total International S COM 921909768   4,600 76,278 SH   SOLE   76,278 0 0
Vanguard Total Stock Mkt ETF COM 922908769   3,113 11,977 SH   SOLE   11,977 0 0
Vanguard Value ETF COM 922908744   13,618 83,620 SH   SOLE   83,620 0 0
WisdomTree China Ex-State-Owne COM 97717X719   1,991 75,490 SH   SOLE   75,490 0 0
X-Trackers International Real COM 233051846   221 10,219 SH   SOLE   10,219 0 0
iShares Core Dividend Growth COM 46434v621   290 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842   1,963 26,454 SH   SOLE   26,454 0 0
iShares Core High Dividend ETF COM 46429B663   320 2,900 SH   SOLE   2,900 0 0
iShares Core MSCI Emerging Mkt COM 46434g103   3,395 65,793 SH   SOLE   65,793 0 0
iShares Core S&P 500 ETF COM 464287200   8,085 15,379 SH   SOLE   15,379 0 0
iShares Core S&P Midcap ETF COM 464287507   5,777 95,115 SH   SOLE   95,115 0 0
iShares Core S&P Small Cap ETF COM 464287804   2,315 20,943 SH   SOLE   20,943 0 0
iShares Core S&P Total US Stoc COM 464287150   616 5,344 SH   SOLE   5,344 0 0
iShares Core S&P US Growth ETF COM 464287671   534 4,560 SH   SOLE   4,560 0 0
iShares DJ US Home Constructio COM 464288752   3,620 31,265 SH   SOLE   31,265 0 0
iShares Dow Jones Reg Banks In COM 464288778   247 5,700 SH   SOLE   5,700 0 0
iShares Edge MSCI Intl Quality COM 46434V456   3,671 92,563 SH   SOLE   92,563 0 0
iShares Edge MSCI USA Quality COM 46432F339   6,790 41,315 SH   SOLE   41,315 0 0
iShares FTSE/Xinhua China 25 I COM 464287184   253 10,500 SH   SOLE   10,500 0 0
iShares Global REIT ETF COM 46434V647   3,995 168,710 SH   SOLE   168,710 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182   4,630 68,339 SH   SOLE   68,339 0 0
iShares MSCI Brazil Index ETF COM 464286400   1,488 45,894 SH   SOLE   45,894 0 0
iShares MSCI China ETF COM 46429b671   360 9,055 SH   SOLE   9,055 0 0
iShares MSCI EAFE Growth ETF COM 464288885   1,321 12,730 SH   SOLE   12,730 0 0
iShares MSCI EAFE Index ETF COM 464287465   447 5,600 SH   SOLE   5,600 0 0
iShares MSCI EAFE Value Index COM 464288877   3,020 55,517 SH   SOLE   55,517 0 0
iShares MSCI EMU Index Fund ET COM 464286608   1,022 20,010 SH   SOLE   20,010 0 0
iShares MSCI Emerging Markets COM 464286426   232 3,405 SH   SOLE   3,405 0 0
iShares MSCI Emerging Markets COM 464287234   350 8,510 SH   SOLE   8,510 0 0
iShares MSCI Emerging Markets COM 46434g764   3,107 53,965 SH   SOLE   53,965 0 0
iShares MSCI Japan Index ETF COM 46434g822   718 10,070 SH   SOLE   10,070 0 0
iShares MSCI Mexico Investible COM 464286822   256 3,700 SH   SOLE   3,700 0 0
iShares Nasdaq Biotechnology COM 464287556   4,007 29,203 SH   SOLE   29,203 0 0
iShares Russell 1000 ETF COM 464287622   723 2,511 SH   SOLE   2,511 0 0
iShares Russell 1000 Growth In COM 464287614   3,001 8,905 SH   SOLE   8,905 0 0
iShares Russell 1000 Value Ind COM 464287598   4,490 25,070 SH   SOLE   25,070 0 0
iShares Russell 2000 Index ETF COM 464287655   666 3,167 SH   SOLE   3,167 0 0
iShares Russell 2000 Value Ind COM 464287630   873 5,495 SH   SOLE   5,495 0 0
iShares Russell 3000 Index Fun COM 464287689   363 1,210 SH   SOLE   1,210 0 0
iShares Russell Midcap Index F COM 464287499   436 5,180 SH   SOLE   5,180 0 0
iShares Russell Midcap Value I COM 464287473   1,083 8,641 SH   SOLE   8,641 0 0
iShares S&P 100 Index ETF COM 464287101   1,035 4,185 SH   SOLE   4,185 0 0
iShares S&P 500/Barra Growth E COM 464287309   1,137 13,469 SH   SOLE   13,469 0 0
iShares S&P 500/Barra Value ET COM 464287408   2,683 14,360 SH   SOLE   14,360 0 0
iShares S&P Global Healthcare COM 464287325   317 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291   6,422 85,850 SH   SOLE   85,850 0 0
iShares S&P Midcap 400/Growth COM 464287606   736 8,071 SH   SOLE   8,071 0 0
iShares S&P Midcap 400/Value E COM 464287705   3,923 33,167 SH   SOLE   33,167 0 0
iShares S&P Small Cap 600 Valu COM 464287879   473 4,605 SH   SOLE   4,605 0 0
iShares Trust - iShares Core U COM 464287663   432 4,780 SH   SOLE   4,780 0 0
iShares Trust Core MSCI Total COM 46432F834   594 8,757 SH   SOLE   8,757 0 0
Capital Group Short Duration I COM 14020Y409   2,829 111,392 SH   SOLE   111,392 0 0
JP Morgan Ultra Short Income F COM 46641q837   8,671 171,864 SH   SOLE   171,864 0 0
PCM Fund, Inc. COM 69323T101   354 42,750 SH   SOLE   42,750 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783   831 8,893 SH   SOLE   8,893 0 0
PIMCO Access Income Fund COM 72203T100   12,621 802,354 SH   SOLE   802,354 0 0
PIMCO Dynamic Income COM 72201y101   17,575 911,108 SH   SOLE   911,108 0 0
PIMCO Dynamic Income Opportuni COM 69355M107   13,221 1,003,865 SH   SOLE   1,003,865 0 0
PIMCO Short Maturity ETF COM 72201r833   4,933 49,061 SH   SOLE   49,061 0 0
PIMCO Total Return ETF COM 72201R775   348 3,784 SH   SOLE   3,784 0 0
Vanguard Short Term Bond ETF COM 921937827   3,411 44,485 SH   SOLE   44,485 0 0
Vanguard Short-Term Corporate COM 92206c409   315 4,080 SH   SOLE   4,080 0 0
Vanguard Total Bond Market ETF COM 921937835   7,438 102,410 SH   SOLE   102,410 0 0
Vanguard Ultra Short Bond ETF COM 92203c303   1,109 22,375 SH   SOLE   22,375 0 0
iShares California Muni Bond E COM 464288356   305 5,300 SH   SOLE   5,300 0 0
iShares National Muni Bond ETF COM 464288414   2,255 20,957 SH   SOLE   20,957 0 0
iShares Short Maturity Bond ET COM 46431W507   455 9,025 SH   SOLE   9,025 0 0
iShares Short Treasury Bond ET COM 464288679   2,900 26,233 SH   SOLE   26,233 0 0
iShares US PFD ETF US PFD STK COM 464288687   2,713 84,180 SH   SOLE   84,180 0 0