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
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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 694 181,313 SH   SOLE   0 0 181,313
ALPHABET INC CAP STK CL C 02079K107 475 170 SH   SOLE   0 0 170
ALPHABET INC CAP STK CL A 02079K305 654 235 SH   SOLE   0 0 235
ALPS ETF TR ALERIAN MLP 00162Q452 17,513 457,259 SH   SOLE   0 0 457,258
AMAZON COM INC COM 023135106 1,822 559 SH   SOLE   0 0 559
AMERICAN TOWER CORP NEW COM 03027X100 604 2,404 SH   SOLE   0 0 2,404
APPLE INC COM 037833100 966 5,530 SH   SOLE   0 0 5,530
BANCO SANTANDER S.A. ADR 05964H105 71 21,038 SH   SOLE   0 0 21,038
CHIMERA INVT CORP COM NEW 16934Q208 374 31,087 SH   SOLE   0 0 31,087
CISCO SYS INC COM 17275R102 279 5,000 SH   SOLE   0 0 5,000
CUE HEALTH INC COM 229790100 264 40,962 SH   SOLE   0 0 40,962
DISNEY WALT CO COM 254687106 205 1,495 SH   SOLE   0 0 1,495
EVOLV TECHNOLOGIES HLDNGS IN COM CL A 30049H102 54 20,268 SH   SOLE   0 0 20,268
GLOBAL X FDS GLBL X MLP ETF 37954Y343 542 13,443 SH   SOLE   0 0 13,443
INVESCO QQQ TR UNIT SER 1 46090E103 378 1,042 SH   SOLE   0 0 1,042
ISHARES INC CORE MSCI EMKT 46434G103 14,029 252,549 SH   SOLE   0 0 252,548
ISHARES TR RUS 1000 VAL ETF 464287598 232 1,398 SH   SOLE   0 0 1,398
ISHARES TR NATIONAL MUN ETF 464288414 797 7,271 SH   SOLE   0 0 7,271
ISHARES TR RUSSELL 3000 ETF 464287689 105,273 401,240 SH   SOLE   0 0 401,240
ISHARES TR SELECT DIVID ETF 464287168 4,220 32,937 SH   SOLE   0 0 32,936
ISHARES TR CORE S&P SCP ETF 464287804 18,362 170,205 SH   SOLE   0 0 170,204
ISHARES TR RUS MID CAP ETF 464287499 6,868 88,003 SH   SOLE   0 0 88,003
ISHARES TR MSCI ACWI ETF 464288257 79,824 800,000 SH   SOLE   0 0 800,000
ISHARES TR 3 7 YR TREAS BD 464288661 14,596 119,592 SH   SOLE   0 0 119,592
ISHARES TR CORE MSCI EAFE 46432F842 42,460 610,848 SH   SOLE   0 0 610,848
ISHARES TR RUS 1000 GRW ETF 464287614 362 1,305 SH   SOLE   0 0 1,304
ISHARES TR CORE S&P500 ETF 464287200 37,953 83,654 SH   SOLE   0 0 83,654
ISHARES TR MSCI INTL VLU FT 46435G409 30,632 1,203,622 SH   SOLE   0 0 1,203,621
ISHARES TR MSCI EAFE ETF 464287465 65,366 888,126 SH   SOLE   0 0 888,126
ISHARES TR MSCI USA MIN VOL 46429B697 16,092 207,455 SH   SOLE   0 0 207,455
ISHARES TR CORE S&P MCP ETF 464287507 32,362 120,601 SH   SOLE   0 0 120,601
ISHARES TR RUSSELL 2000 ETF 464287655 3,702 18,035 SH   SOLE   0 0 18,035
ISHARES TR MRGSTR SM CP ETF 464288505 219 4,084 SH   SOLE   0 0 4,084
JOHNSON & JOHNSON COM 478160104 224 1,265 SH   SOLE   500 0 765
KANZHUN LIMITED SPONSORED ADS 48553T106 348 13,981 SH   SOLE   0 0 13,981
MARQETA INC CLASS A COM 57142B104 302 27,374 SH   SOLE   0 0 27,374
MASTERCARD INCORPORATED CL A 57636Q104 258 721 SH   SOLE   0 0 721
MICROSOFT CORP COM 594918104 728 2,361 SH   SOLE   0 0 2,361
OSCAR HEALTH INC CL A 687793109 323 32,429 SH   SOLE   0 0 32,429
RLX TECHNOLOGY INC SPONSORED ADS 74969N103 30 16,483 SH   SOLE   0 0 16,483
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 35,094 955,717 SH   SOLE   0 0 955,717
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 28,417 1,023,300 SH   SOLE   0 0 1,023,300
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 80,642 1,510,430 SH   SOLE   0 0 1,510,429
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 462 5,857 SH   SOLE   0 0 5,857
SENTINELONE INC CL A 81730H109 305 7,874 SH   SOLE   0 0 7,874
SNOWFLAKE INC CL A 833445109 458 1,998 SH   SOLE   0 0 1,998
SPDR S&P 500 ETF TR TR UNIT 78462F103 150,779 333,847 SH   SOLE   0 0 333,847
SPDR SER TR S&P BIOTECH 78464A870 452 5,027 SH   SOLE   0 0 5,027
SPDR SER TR PORTFOLIO SHORT 78464A474 307 10,173 SH   SOLE   0 0 10,172
SPDR SER TR PRTFLO S&P500 GW 78464A409 47,929 723,900 SH   SOLE   0 0 723,900
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 364 7,700 SH   SOLE   0 0 7,700
VANGUARD INDEX FDS VALUE ETF 922908744 75,167 508,640 SH   SOLE   0 0 508,640
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,211 84,999 SH   SOLE   0 0 84,998
VANGUARD INDEX FDS TOTAL STK MKT 922908769 55,628 244,338 SH   SOLE   0 0 244,338
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,010 498,808 SH   SOLE   0 0 498,808
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,737 188,887 SH   SOLE   0 0 188,887
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 25,244 525,590 SH   SOLE   0 0 525,590
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,757 7,465 SH   SOLE   0 0 7,464
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,075 2,581 SH   SOLE   0 0 2,581