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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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
ALPHABET INC CAP STK CL A 02079K305   341,185 1,936 SH   SOLE   0 0 1,936
ALPHABET INC CAP STK CL C 02079K107   237,904 1,341 SH   SOLE   0 0 1,341
AMAZON COM INC COM 023135106   877,341 3,999 SH   SOLE   0 0 3,999
AMGEN INC COM 031162100   287,101 1,028 SH   SOLE   0 0 1,028
APPLE INC COM 037833100   3,772,812 18,389 SH   SOLE   0 0 18,389
AXON ENTERPRISE INC COM 05464C101   298,059 360 SH   SOLE   0 0 360
BOEING CO COM 097023105   387,212 1,848 SH   SOLE   0 0 1,848
BRISTOL-MYERS SQUIBB CO COM 110122108   319,401 6,900 SH   SOLE   0 0 6,900
BROADCOM INC COM 11135F101   390,045 1,415 SH   SOLE   0 0 1,415
CATERPILLAR INC COM 149123101   1,611,072 4,150 SH   SOLE   0 0 4,150
COSTCO WHSL CORP NEW COM 22160K105   2,227,369 2,250 SH   SOLE   0 0 2,250
CVS HEALTH CORP COM 126650100   356,088 5,162 SH   SOLE   0 0 5,162
DISNEY WALT CO COM 254687106   496,078 4,000 SH   SOLE   0 0 4,000
EXXON MOBIL CORP COM 30231G102   1,016,668 9,431 SH   SOLE   0 0 9,431
FEDEX CORP COM 31428X106   238,221 1,048 SH   SOLE   0 0 1,048
GE AEROSPACE COM NEW 369604301   332,835 1,293 SH   SOLE   0 0 1,293
GILEAD SCIENCES INC COM 375558103   221,740 2,000 SH   SOLE   0 0 2,000
HOME DEPOT INC COM 437076102   490,198 1,337 SH   SOLE   0 0 1,337
INTERNATIONAL BUSINESS MACHS COM 459200101   530,604 1,800 SH   SOLE   0 0 1,800
INVESCO QQQ TR UNIT SER 1 46090E103   1,853,343 3,360 SH   SOLE   0 0 3,360
ISHARES INC CORE MSCI EMKT 46434G103   365,226 6,084 SH   SOLE   0 0 6,084
ISHARES INC MSCI EMRG CHN 46434G764   3,449,757 54,637 SH   SOLE   0 0 54,637
ISHARES TR CORE MSCI EAFE 46432F842   2,436,693 29,189 SH   SOLE   0 0 29,189
ISHARES TR CORE MSCI PAC 46434V696   2,591,646 37,724 SH   SOLE   0 0 37,724
ISHARES TR CORE S&P MCP ETF 464287507   210,757 3,398 SH   SOLE   0 0 3,398
ISHARES TR CORE S&P US GWT 464287671   1,042,940 6,934 SH   SOLE   0 0 6,934
ISHARES TR CORE S&P US VLU 464287663   3,118,412 32,954 SH   SOLE   0 0 32,954
ISHARES TR CORE S&P500 ETF 464287200   2,309,044 3,719 SH   SOLE   0 0 3,719
ISHARES TR HDG MSCI EAFE 46434V803   15,347,952 404,319 SH   SOLE   0 0 404,319
ISHARES TR IBONDS 25 TRM HG 46435U168   870,835 37,447 SH   SOLE   0 0 37,447
ISHARES TR IBONDS 25 TRM TS 46436E866   20,442,902 875,124 SH   SOLE   0 0 875,124
ISHARES TR IBONDS 26 TRM TS 46436E858   17,904,698 780,842 SH   SOLE   0 0 780,842
ISHARES TR IBONDS 27 TRM TS 46436E841   16,717,965 743,351 SH   SOLE   0 0 743,351
ISHARES TR IBONDS 28 TRM TS 46436E833   16,770,357 750,016 SH   SOLE   0 0 750,016
ISHARES TR IBONDS 29 TRM TS 46436E825   15,134,621 690,448 SH   SOLE   0 0 690,448
ISHARES TR MSCI EAFE ETF 464287465   2,234,326 24,995 SH   SOLE   0 0 24,995
ISHARES TR RUS 1000 ETF 464287622   1,094,216 3,222 SH   SOLE   0 0 3,222
ISHARES TR RUS MID CAP ETF 464287499   2,432,583 26,450 SH   SOLE   0 0 26,450
ISHARES TR RUSSELL 2000 ETF 464287655   358,485 1,661 SH   SOLE   0 0 1,661
ISHARES TR S&P 500 VAL ETF 464287408   357,252 1,828 SH   SOLE   0 0 1,828
ISHARES TR S&P MC 400GR ETF 464287606   7,426,513 81,628 SH   SOLE   0 0 81,628
ISHARES TR US SML CAP EQT 46434V290   8,928,501 131,398 SH   SOLE   0 0 131,398
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   5,539,960 84,580 SH   SOLE   0 0 84,580
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   2,292,783 36,638 SH   SOLE   0 0 36,638
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753   868,902 18,023 SH   SOLE   0 0 18,023
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   11,436,746 225,355 SH   SOLE   0 0 225,355
JPMORGAN CHASE & CO. COM 46625H100   506,505 1,747 SH   SOLE   0 0 1,747
META PLATFORMS INC CL A 30303M102   407,762 552 SH   SOLE   0 0 552
MICROSOFT CORP COM 594918104   3,083,797 6,200 SH   SOLE   0 0 6,200
NEWSMAX INC COM SHS CLASS B 65250K105   1,630,122 107,741 SH   SOLE   0 0 107,741
NVIDIA CORPORATION COM 67066G104   2,641,788 16,721 SH   SOLE   0 0 16,721
ORACLE CORP COM 68389X105   2,317,453 10,600 SH   SOLE   0 0 10,600
PIMCO ETF TR ACTIVE BD ETF 72201R775   6,276,395 68,088 SH   SOLE   0 0 68,088
PROCTER AND GAMBLE CO COM 742718109   296,495 1,861 SH   SOLE   0 0 1,861
SCHWAB CHARLES CORP COM 808513105   357,242 3,915 SH   SOLE   0 0 3,915
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   17,910,322 810,422 SH   SOLE   0 0 810,422
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   703,527 29,523 SH   SOLE   0 0 29,523
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   31,532,413 1,079,507 SH   SOLE   0 0 1,079,507
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   18,309,571 661,712 SH   SOLE   0 0 661,712
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,751,411 194,411 SH   SOLE   0 0 194,411
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   18,255,006 650,802 SH   SOLE   0 0 650,802
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,059,224 81,392 SH   SOLE   0 0 81,392
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847   214,965 3,953 SH   SOLE   0 0 3,953
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821   255,574 2,942 SH   SOLE   0 0 2,942
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   15,954,426 397,767 SH   SOLE   0 0 397,767
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   245,742 1,085 SH   SOLE   0 0 1,085
TESLA INC COM 88160R101   499,044 1,571 SH   SOLE   0 0 1,571
TEXAS INSTRS INC COM 882508104   353,207 1,701 SH   SOLE   0 0 1,701
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   2,446,589 83,558 SH   SOLE   0 0 83,558
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   284,286 3,861 SH   SOLE   0 0 3,861
VANGUARD INDEX FDS GROWTH ETF 922908736   536,914 1,225 SH   SOLE   0 0 1,225
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,932,889 13,966 SH   SOLE   0 0 13,966
VANGUARD INDEX FDS SMALL CP ETF 922908751   624,017 2,633 SH   SOLE   0 0 2,633
VANGUARD INDEX FDS VALUE ETF 922908744   321,082 1,817 SH   SOLE   0 0 1,817
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   564,228 9,897 SH   SOLE   0 0 9,897
VERIZON COMMUNICATIONS INC COM 92343V104   861,333 19,906 SH   SOLE   0 0 19,906
WALMART INC COM 931142103   285,194 2,917 SH   SOLE   0 0 2,917
WELLS FARGO CO NEW COM 949746101   280,100 3,496 SH   SOLE   0 0 3,496