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 450 181,313 SH   SOLE   0 0 181,313
ALPHABET INC CAP STK CL C 02079K107 372 170 SH   SOLE   0 0 170
ALPHABET INC CAP STK CL A 02079K305 588 270 SH   SOLE   0 0 270
ALPS ETF TR ALERIAN MLP 00162Q452 15,554 451,481 SH   SOLE   0 0 451,480
AMAZON COM INC COM 023135106 1,234 11,615 SH   SOLE   0 0 11,615
AMERICAN TOWER CORP NEW COM 03027X100 349 1,364 SH   SOLE   0 0 1,364
APPLE INC COM 037833100 756 5,530 SH   SOLE   0 0 5,530
BANCO SANTANDER S.A. ADR 05964H105 59 21,038 SH   SOLE   0 0 21,038
CHIMERA INVT CORP COM NEW 16934Q208 195 22,087 SH   SOLE   0 0 22,087
CUE HEALTH INC COM 229790100 131 40,962 SH   SOLE   0 0 40,962
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 505 13,706 SH   SOLE   0 0 13,706
ISHARES INC CORE MSCI EMKT 46434G103 537 10,953 SH   SOLE   0 0 10,953
ISHARES TR MSCI EAFE ETF 464287465 56,810 909,098 SH   SOLE   0 0 909,098
ISHARES TR RUSSELL 2000 ETF 464287655 3,078 18,171 SH   SOLE   0 0 18,171
ISHARES TR 3 7 YR TREAS BD 464288661 14,331 120,084 SH   SOLE   0 0 120,083
ISHARES TR CORE S&P500 ETF 464287200 4,511 11,897 SH   SOLE   0 0 11,897
ISHARES TR RUS MID CAP ETF 464287499 5,690 88,003 SH   SOLE   0 0 88,003
ISHARES TR NATIONAL MUN ETF 464288414 634 5,960 SH   SOLE   0 0 5,959
ISHARES TR MSCI INTL VLU FT 46435G409 27,321 1,231,767 SH   SOLE   0 0 1,231,766
ISHARES TR CORE MSCI EAFE 46432F842 33,897 575,983 SH   SOLE   0 0 575,982
ISHARES TR CORE S&P SCP ETF 464287804 15,269 165,230 SH   SOLE   0 0 165,229
ISHARES TR CORE S&P MCP ETF 464287507 26,939 119,077 SH   SOLE   0 0 119,076
ISHARES TR MSCI USA MIN VOL 46429B697 14,565 207,455 SH   SOLE   0 0 207,455
ISHARES TR RUS 1000 GRW ETF 464287614 357 1,632 SH   SOLE   0 0 1,632
ISHARES TR RUS 1000 VAL ETF 464287598 203 1,398 SH   SOLE   0 0 1,398
ISHARES TR RUSSELL 3000 ETF 464287689 88,054 405,050 SH   SOLE   0 0 405,050
ISHARES TR SELECT DIVID ETF 464287168 3,931 33,407 SH   SOLE   0 0 33,407
ISHARES TR MSCI ACWI ETF 464288257 163,031 1,943,396 SH   SOLE   0 0 1,943,396
JOHNSON & JOHNSON COM 478160104 225 1,265 SH   SOLE   500 0 765
LIVEONE INC COM 53814X102 32 37,503 SH   SOLE   0 0 37,503
MARQETA INC CLASS A COM 57142B104 222 27,374 SH   SOLE   0 0 27,374
MASTERCARD INCORPORATED CL A 57636Q104 227 721 SH   SOLE   0 0 721
MICROSOFT CORP COM 594918104 678 2,639 SH   SOLE   0 0 2,639
OSCAR HEALTH INC CL A 687793109 138 32,429 SH   SOLE   0 0 32,429
RLX TECHNOLOGY INC SPONSORED ADS 74969N103 35 16,483 SH   SOLE   0 0 16,483
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 67,311 1,523,219 SH   SOLE   0 0 1,523,219
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 17,907 705,565 SH   SOLE   0 0 705,564
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 30,359 965,322 SH   SOLE   0 0 965,321
SNOWFLAKE INC CL A 833445109 281 2,023 SH   SOLE   0 0 2,023
SPDR S&P 500 ETF TR TR UNIT 78462F103 107,204 284,172 SH   SOLE   0 0 284,171
SPDR SER TR PRTFLO S&P500 GW 78464A409 37,944 725,778 SH   SOLE   0 0 725,777
SPDR SER TR S&P BIOTECH 78464A870 2,744 36,942 SH   SOLE   0 0 36,942
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 353 7,735 SH   SOLE   0 0 7,735
VANGUARD INDEX FDS VALUE ETF 922908744 67,503 511,849 SH   SOLE   0 0 511,849
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,750 85,066 SH   SOLE   0 0 85,065
VANGUARD INDEX FDS TOTAL STK MKT 922908769 45,748 242,543 SH   SOLE   0 0 242,543
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 251 6,016 SH   SOLE   0 0 6,016
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,525 190,797 SH   SOLE   0 0 190,797
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 21,989 538,943 SH   SOLE   0 0 538,942