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
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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
SPDR S&P500 ETF TRUST TRUST UNIT DEPOSITARY RECEIPT Equities 78462F103   27,362,515 57,568 SH   SOLE   0 0 57,568
FIDELITY TOTAL BOND ETF Equities 316188309   17,826,895 387,205 SH   SOLE   0 0 387,205
DIMENSIONAL ETF TRUST INTL CORE EQT MK Equities 25434V203   16,374,272 571,727 SH   SOLE   0 0 571,727
INVESCO QQQ TR UNIT SER 1 Equities 46090E103   15,006,181 36,643 SH   SOLE   0 0 36,643
CAPITAL GROUP GROWTH ETF SHARES CREATION UNIT Equities 14020G101   12,965,820 459,292 SH   SOLE   0 0 459,292
ISHARES CORE S&P SMALL-CAP E Equities 464287804   12,425,110 114,782 SH   SOLE   0 0 114,782
VANGUARD SPECIALIZED FUNDS DIV APP ETF Equities 921908844   12,333,528 72,380 SH   SOLE   0 0 72,380
INNOVATOR ETFS TR US EQTY PWR BUF Equities 45782C748   12,299,862 368,480 SH   SOLE   0 0 368,480
ISHARES CORE S&P TOTAL US STOCK MARKET ETF Equities 464287150   12,298,949 116,877 SH   SOLE   0 0 116,877
ISHARES TR 20 YR TR BD ETF Equities 464287432   10,710,820 108,321 SH   SOLE   0 0 108,321
ISHARES RUSSELL 2000 ETF Equities 464287655   10,661,812 53,120 SH   SOLE   0 0 53,120
CAPITAL GROUP CORE EQUITY ETF SHS CREATION UNI Equities 14020V108   9,802,469 346,377 SH   SOLE   0 0 346,377
ISHARES TRUST CORE MSCI EAFE ETF Equities 46432F842   9,277,259 131,873 SH   SOLE   0 0 131,873
ISHARES MSCI EAFE ETF Equities 464287465   8,758,621 116,239 SH   SOLE   0 0 116,239
PIMCO ETF TR ACTIVE BD ETF Equities 72201R775   8,274,335 89,501 SH   SOLE   0 0 89,501
ISHARES TRUST MSCI EMG MKTS ETF USD DIS Equities 464287234   8,094,268 201,300 SH   SOLE   0 0 201,300
AMERICAN CENTY ETF TR AVANTIS EMGMKT Equities 025072604   7,493,225 132,882 SH   SOLE   0 0 132,882
FIRST TR EXCH TRADED FD III MANAGD MUN ETF Equities 33739N108   7,347,880 142,223 SH   SOLE   0 0 142,223
SPDR S&P MIDCAP 400 ETF Equities 78467Y107   7,301,778 14,391 SH   SOLE   0 0 14,391
AMERICAN CENTY ETF TR AVANTIS US SMALL CAP VALUE Equities 025072877   6,602,947 73,529 SH   SOLE   0 0 73,529
PIMCO INTERMEDIATE MUNICIPAL BOND ACTIVE ETF Equities 72201R866   6,201,518 117,453 SH   SOLE   0 0 117,453
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   4,844,745 76,500 SH   SOLE   0 0 76,500
VANGUARD REAL ESTATE ETF Equities 922908553   4,224,218 47,807 SH   SOLE   0 0 47,807
JANUS DETROIT STREET TRUST JANUS HENDERSON SECURITIZED INCOME Equities 47103U746   4,117,530 80,163 SH   SOLE   0 0 80,163
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP Equities 46138E719   3,784,507 208,743 SH   SOLE   0 0 208,743
INVESCO ACTVELY MNGD ETC FD TR OPTIMUM YIELD Equities 46090F100   3,654,516 274,776 SH   SOLE   0 0 274,776
ALPHABET INC CAP STK CL C Equities 02079K107   3,184,595 22,597 SH   SOLE   0 0 22,597
SELECT SECTOR SPDR TR FINANCIAL Equities 81369Y605   3,025,024 80,453 SH   SOLE   0 0 80,453
AMAZON.COM INC Equities 023135106   2,993,218 19,700 SH   SOLE   0 0 19,700
VANGUARD SHORT TERM TREASURY ETF Equities 92206C102   2,440,788 41,844 SH   SOLE   0 0 41,844
UNITEDHEALTH GROUP INC Equities 91324P102   2,283,300 4,337 SH   SOLE   0 0 4,337
JOHNSON &JOHNSON COM USD1.00 Equities 478160104   2,046,241 13,055 SH   SOLE   0 0 13,055
JPMORGAN CHASE & CO Equities 46625H100   1,824,152 10,724 SH   SOLE   0 0 10,724
HONEYWELL INTERNATIONAL INC COM USD1 Equities 438516106   1,808,749 8,625 SH   SOLE   0 0 8,625
PALO ALTO NETWORKS INC COM USD0.0001 Equities 697435105   1,725,048 5,850 SH   SOLE   0 0 5,850
APPLE INC Equities 037833100   1,685,793 8,756 SH   SOLE   0 0 8,756
RTX CORPORATION COM USD1.00 Equities 75513E101   1,615,488 19,200 SH   SOLE   0 0 19,200
GOLDMAN SACHS GROUP INC COM USD0.01 Equities 38141G104   1,595,930 4,137 SH   SOLE   0 0 4,137
CHEVRON CORP NEW COM Equities 166764100   1,581,096 10,600 SH   SOLE   0 0 10,600
MICROSOFT CORP Equities 594918104   1,553,797 4,132 SH   SOLE   0 0 4,132
BANK AMERICA CORP COM Equities 060505104   1,508,416 44,800 SH   SOLE   0 0 44,800
SALESFORCE INC COM Equities 79466L302   1,506,477 5,725 SH   SOLE   0 0 5,725
ALPHABET INC CAP STK CL A Equities 02079K305   1,466,745 10,500 SH   SOLE   0 0 10,500
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B Equities 084670702   1,462,306 4,100 SH   SOLE   0 0 4,100
PGIM ETF TR TOTAL RETURN BON Equities 69344A800   1,217,418 29,020 SH   SOLE   0 0 29,020
CVS HEALTH CORPORATION COM USD0.01 Equities 126650100   1,204,140 15,250 SH   SOLE   0 0 15,250
VANGUARD WHITEHALL FDS INTL DVD ETF Equities 921946810   1,146,146 14,446 SH   SOLE   0 0 14,446
COMCAST CORP Equities 20030N101   1,135,101 25,886 SH   SOLE   0 0 25,886
VANGUARD INTL EQUITY INDEX FDS FTSE EMR MKT ETF Equities 922042858   1,124,291 27,355 SH   SOLE   0 0 27,355
DISNEY WALT CO COM Equities 254687106   1,102,441 12,210 SH   SOLE   0 0 12,210
BROADCOM INC COM Equities 11135F101   1,100,623 986 SH   SOLE   0 0 986
WALMART INC COM Equities 931142103   1,093,303 6,935 SH   SOLE   0 0 6,935
INTERNATIONAL BUS MACH CORP COM USD0.20 Equities 459200101   1,076,099 6,580 SH   SOLE   0 0 6,580
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK Equities 36266G107   984,748 12,736 SH   SOLE   0 0 12,736
ISHARES CORE S&P MID-CAP ETF Equities 464287507   976,130 3,522 SH   SOLE   0 0 3,522
BP PLC SPONSORED ADR Equities 055622104   974,078 27,516 SH   SOLE   0 0 27,516
CISCO SYSTEMS INC Equities 17275R102   898,498 17,785 SH   SOLE   0 0 17,785
CONSTELLATION BRANDS INC COM USD0.01 CLASS A Equities 21036P108   779,886 3,226 SH   SOLE   0 0 3,226
ISHARES TR EAFE SML CP ETF Equities 464288273   751,548 12,141 SH   SOLE   0 0 12,141
MORGAN STANLEY COM USD0.01 Equities 617446448   746,000 8,000 SH   SOLE   0 0 8,000
AMERICAN TOWER CORP NEW COM Units 03027X100   728,595 3,375 SH   SOLE   0 0 3,375
ISHARES CORE S&P 500 ETF Equities 464287200   706,428 1,479 SH   SOLE   0 0 1,479
PFIZER INC Equities 717081103   689,521 23,950 SH   SOLE   0 0 23,950
MERCK &CO. INC COM Equities 58933Y105   648,669 5,950 SH   SOLE   0 0 5,950
APPLIED MATERIALS INC COM USD0.01 Equities 038222105   648,280 4,000 SH   SOLE   0 0 4,000
ADVANCED MICRO DEVICES INC Equities 007903107   622,807 4,225 SH   SOLE   0 0 4,225
MICRON TECHNOLOGY INC Equities 595112103   580,312 6,800 SH   SOLE   0 0 6,800
ISHARES MSCI EMR MRK EX CHNA Equities 46434G764   540,469 9,754 SH   SOLE   0 0 9,754
BRISTOL-MYERS SQUIBB CO COM Equities 110122108   527,210 10,275 SH   SOLE   0 0 10,275
VISA INC Equities 92826C839   507,683 1,950 SH   SOLE   0 0 1,950
EMERSON ELECTRIC CO Equities 291011104   476,917 4,900 SH   SOLE   0 0 4,900
DEERE & CO Equities 244199105   475,845 1,190 SH   SOLE   0 0 1,190
AMERICAN CENTY ETF TR AVANTIS ALL EQT Equities 025072232   474,767 7,331 SH   SOLE   0 0 7,331
ISHARES CORE US AGGREGATE BOND ETF Equities 464287226   463,994 4,675 SH   SOLE   0 0 4,675
LOCKHEED MARTIN CORP COM USD1.00 Equities 539830109   453,240 1,000 SH   SOLE   0 0 1,000
MCDONALD S CORP Equities 580135101   444,765 1,500 SH   SOLE   0 0 1,500
VERIZON COMMUNICATIONS INC Equities 92343V104   437,320 11,600 SH   SOLE   0 0 11,600
ELI LILLY &CO COM Equities 532457108   428,446 735 SH   SOLE   0 0 735
DANAHER CORPORATION COM Equities 235851102   416,412 1,800 SH   SOLE   0 0 1,800
AKAMAI TECHNOLOGIES COM USD0.01 Equities 00971T101   414,225 3,500 SH   SOLE   0 0 3,500
COSTCO WHOLESALE CORP COM USD0.01 Equities 22160K105   412,550 625 SH   SOLE   0 0 625
ORACLE CORP Equities 68389X105   411,177 3,900 SH   SOLE   0 0 3,900
FEDEX CORP COM USD0.10 Equities 31428X106   398,428 1,575 SH   SOLE   0 0 1,575
DUPONT DE NEMOURS INC COM Equities 26614N102   384,650 5,000 SH   SOLE   0 0 5,000
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND Equities 921909768   359,352 6,200 SH   SOLE   0 0 6,200
LOWES COMPANIES INC COM USD0.50 Equities 548661107   356,080 1,600 SH   SOLE   0 0 1,600
L3HARRIS TECHNOLOGIES INC COM Equities 502431109   347,523 1,650 SH   SOLE   0 0 1,650
GENERAL MTRS CO COM Equities 37045V100   340,091 9,468 SH   SOLE   0 0 9,468
NVIDIA CORPORATION COM Equities 67066G104   337,245 681 SH   SOLE   0 0 681
ULTA BEAUTY INC COM Equities 90384S303   318,494 650 SH   SOLE   0 0 650
PIONEER NATURAL RESOURCES CO COM USD0.01 Equities 723787107   314,832 1,400 SH   SOLE   0 0 1,400
THERMO FISHER SCIENTIFIC INC Equities 883556102   313,166 590 SH   SOLE   0 0 590
MEDTRONIC PLC Equities G5960L103   271,854 3,300 SH   SOLE   0 0 3,300
ISHARES CALIFORNIA MUNI BOND ETF Equities 464288356   249,142 4,300 SH   SOLE   0 0 4,300
ISHARES TR PFD AND INCM SEC Equities 464288687   247,335 7,930 SH   SOLE   0 0 7,930
PEPSICO INC Equities 713448108   247,117 1,455 SH   SOLE   0 0 1,455
T-MOBILE US INC COM Equities 872590104   240,495 1,500 SH   SOLE   0 0 1,500
ISHARES S&P 500 VALUE ETF Equities 464287408   226,057 1,300 SH   SOLE   0 0 1,300
CROWN CASTLE INC COM Units 22822V101   224,621 1,950 SH   SOLE   0 0 1,950
PEAKSTONE REALTY TRUST COMMON SHARES Units 39818P799   221,921 11,135 SH   SOLE   0 0 11,135
JANUS DETROIT STR TR HENDRSON AAA CL Equities 47103U845   214,077 4,256 SH   SOLE   0 0 4,256
CITIGROUP INC Equities 172967424   200,616 3,900 SH   SOLE   0 0 3,900