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
23ANDME HOLDING CO CLASS A COM 90138Q108 1,208 181,313 SH   SOLE   0 0 181,313
ALPHABET INC CAP STK CL A 02079K305 681 235 SH   SOLE   0 0 235
ALPHABET INC CAP STK CL C 02079K107 492 170 SH   SOLE   0 0 170
ALPS ETF TR ALERIAN MLP 00162Q452 14,855 453,712 SH   SOLE   0 0 453,712
AMAZON COM INC COM 023135106 1,891 567 SH   SOLE   0 0 567
AMERICAN TOWER CORP NEW COM 03027X100 703 2,404 SH   SOLE   0 0 2,404
APPLE INC COM 037833100 1,019 5,740 SH   SOLE   0 0 5,740
BANCO SANTANDER S.A. ADR 05964H105 69 21,038 SH   SOLE   0 0 21,038
CHIMERA INVT CORP COM NEW 16934Q208 469 31,087 SH   SOLE   0 0 31,087
CISCO SYS INC COM 17275R102 317 5,000 SH   SOLE   0 0 5,000
DISNEY WALT CO COM 254687106 226 1,460 SH   SOLE   0 0 1,460
GLOBAL X FDS GLBL X MLP ETF 37954Y343 462 13,204 SH   SOLE   0 0 13,204
INVESCO QQQ TR UNIT SER 1 46090E103 415 1,042 SH   SOLE   0 0 1,042
ISHARES INC CORE MSCI EMKT 46434G103 16,149 269,785 SH   SOLE   0 0 269,784
ISHARES TR MSCI INTL VLU FT 46435G409 30,555 1,201,065 SH   SOLE   0 0 1,201,064
ISHARES TR CORE S&P MCP ETF 464287507 59,472 210,088 SH   SOLE   0 0 210,087
ISHARES TR CORE S&P SCP ETF 464287804 34,650 302,596 SH   SOLE   0 0 302,595
ISHARES TR MSCI EAFE ETF 464287465 69,763 886,668 SH   SOLE   0 0 886,668
ISHARES TR NATIONAL MUN ETF 464288414 1,085 9,327 SH   SOLE   0 0 9,327
ISHARES TR CORE S&P500 ETF 464287200 39,779 83,395 SH   SOLE   0 0 83,394
ISHARES TR RUS TP200 GR ETF 464289438 210 1,213 SH   SOLE   0 0 1,213
ISHARES TR RUSSELL 2000 ETF 464287655 9,410 42,303 SH   SOLE   0 0 42,303
ISHARES TR SELECT DIVID ETF 464287168 4,010 32,709 SH   SOLE   0 0 32,709
ISHARES TR RUS MID CAP ETF 464287499 13,922 167,720 SH   SOLE   0 0 167,720
ISHARES TR RUS 1000 GRW ETF 464287614 399 1,305 SH   SOLE   0 0 1,304
ISHARES TR RUSSELL 3000 ETF 464287689 111,020 400,072 SH   SOLE   0 0 400,071
ISHARES TR CORE MSCI EAFE 46432F842 45,489 609,441 SH   SOLE   0 0 609,440
ISHARES TR RUS 1000 VAL ETF 464287598 235 1,398 SH   SOLE   0 0 1,398
ISHARES TR 3 7 YR TREAS BD 464288661 34,588 268,808 SH   SOLE   0 0 268,807
ISHARES TR MRGSTR SM CP ETF 464288505 234 4,084 SH   SOLE   0 0 4,084
ISHARES TR MSCI USA MIN VOL 46429B697 16,783 207,455 SH   SOLE   0 0 207,455
JOHNSON & JOHNSON COM 478160104 216 1,265 SH   SOLE   0 0 1,265
JPMORGAN CHASE & CO COM 46625H100 464 2,931 SH   SOLE   0 0 2,931
MARQETA INC CLASS A COM 57142B104 470 27,374 SH   SOLE   0 0 27,374
MASTERCARD INCORPORATED CL A 57636Q104 259 721 SH   SOLE   0 0 721
MICROSOFT CORP COM 594918104 783 2,329 SH   SOLE   0 0 2,329
MORGAN STANLEY COM NEW 617446448 288 2,933 SH   SOLE   0 0 2,933
NIKE INC CL B 654106103 219 1,312 SH   SOLE   0 0 1,312
OSCAR HEALTH INC CL A 687793109 255 32,429 SH   SOLE   0 0 32,429
RLX TECHNOLOGY INC SPONSORED ADS 74969N103 64 16,483 SH   SOLE   0 0 16,483
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 470 5,819 SH   SOLE   0 0 5,819
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 30,128 1,017,136 SH   SOLE   0 0 1,017,135
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 84,558 748,238 SH   SOLE   0 0 748,238
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,100 928,742 SH   SOLE   0 0 928,742
SNOWFLAKE INC CL A 833445109 439 1,295 SH   SOLE   0 0 1,295
SPDR GOLD TR GOLD SHS 78463V107 4,682 27,385 SH   SOLE   0 0 27,384
SPDR S&P 500 ETF TR TR UNIT 78462F103 158,178 333,035 SH   SOLE   0 0 333,034
SPDR SER TR PRTFLO S&P500 GW 78464A409 52,306 721,755 SH   SOLE   0 0 721,755
SPDR SER TR PORTFOLIO SHORT 78464A474 315 10,168 SH   SOLE   0 0 10,168
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 497 9,692 SH   SOLE   0 0 9,692
VANGUARD INDEX FDS TOTAL STK MKT 922908769 56,903 235,680 SH   SOLE   0 0 235,680
VANGUARD INDEX FDS VALUE ETF 922908744 74,160 504,114 SH   SOLE   0 0 504,113
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,860 84,994 SH   SOLE   0 0 84,994
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,441 494,160 SH   SOLE   0 0 494,159
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 39,607 721,303 SH   SOLE   0 0 721,302
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 26,725 523,409 SH   SOLE   0 0 523,408
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,944 7,457 SH   SOLE   0 0 7,457
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,181 2,577 SH   SOLE   0 0 2,577
XPENG INC ADS 98422D105 201 3,985 SH   SOLE   0 0 3,985