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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   505,254 4,602 SH   SOLE 0 0 0 4,602
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106   607,924 58,008 SH   SOLE 0 0 0 58,008
ALPHABET INC CAP STK CL A 02079K305   776,424 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102   188,027 14,782 SH   SOLE 0 0 0 14,782
APPLE INC COM 037833100   703,088 5,411 SH   SOLE 0 0 0 5,411
BANK AMERICA CORP COM 060505104   242,869 7,333 SH   SOLE 0 0 0 7,333
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   830,323 2,688 SH   SOLE 0 0 0 2,688
BLACKROCK INVT QUALITY MUN T COM 09247D105   1,147,927 98,450 SH   SOLE 0 0 0 98,450
BLACKROCK LONG-TERM MUN ADVA COM 09250B103   302,830 32,216 SH   SOLE 0 0 0 32,216
BLACKROCK MUN INCOME QUALITY COM 092479104   232,630 20,496 SH   SOLE 0 0 0 20,496
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   1,465,883 145,714 SH   SOLE 0 0 0 145,714
BLACKROCK MUNI INCOME TR II COM 09249N101   1,423,143 137,768 SH   SOLE 0 0 0 137,768
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107   427,624 39,816 SH   SOLE 0 0 0 39,816
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107   306,361 30,790 SH   SOLE 0 0 0 30,790
BLACKROCK MUNIVEST FD II INC COM 09253T101   1,268,578 121,395 SH   SOLE 0 0 0 121,395
BLACKROCK MUNIVEST FD INC COM 09253R105   370,864 52,905 SH   SOLE 0 0 0 52,905
BLACKROCK MUNIYIELD PA QLTY COM 09255G107   258,052 23,438 SH   SOLE 0 0 0 23,438
BLACKROCK MUNIYIELD QUALITY COM 09254G108   287,090 28,091 SH   SOLE 0 0 0 28,091
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   384,792 36,612 SH   SOLE 0 0 0 36,612
BNY MELLON MUN INCOME INC COM 05589T104   205,153 32,772 SH   SOLE 0 0 0 32,772
BNY MELLON STRATEGIC MUN BD COM 09662E109   640,297 110,778 SH   SOLE 0 0 0 110,778
BNY MELLON STRATEGIC MUNS IN COM 05588W108   430,132 70,398 SH   SOLE 0 0 0 70,398
CHEVRON CORP NEW COM 166764100   1,396,253 7,779 SH   SOLE 0 0 0 7,779
CONOCOPHILLIPS COM 20825C104   643,100 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102   331,510 1,249 SH   SOLE 0 0 0 1,249
DARDEN RESTAURANTS INC COM 237194105   406,275 2,937 SH   SOLE 0 0 0 2,937
DISNEY WALT CO COM 254687106   318,612 3,667 SH   SOLE 0 0 0 3,667
DWS STRATEGIC MUN INCOME TR COM 23342Q101   1,005,278 123,045 SH   SOLE 0 0 0 123,045
EATON VANCE CALIF MUN BD FD COM 27828A100   122,161 14,139 SH   SOLE 0 0 0 14,139
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   264,871 26,836 SH   SOLE 0 0 0 26,836
EOG RES INC COM 26875P101   1,076,052 8,308 SH   SOLE 0 0 0 8,308
EXXON MOBIL CORP COM 30231G102   1,483,535 13,450 SH   SOLE 0 0 0 13,450
FEDERATED HERMES PREM MUNI I COM 31423P108   1,730,547 164,814 SH   SOLE 0 0 0 164,814
GOLDMAN SACHS GROUP INC COM 38141G104   378,405 1,102 SH   SOLE 0 0 0 1,102
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   219,177 3,430 SH   SOLE 0 0 0 3,430
ISHARES GOLD TR ISHARES NEW 464285204   4,447,963 128,591 SH   SOLE 0 0 0 128,591
ISHARES INC MSCI GBL MIN VOL 464286525   15,805,037 166,334 SH   SOLE 0 0 0 166,334
ISHARES INC MSCI GBL ETF NEW 46434G848   3,712,181 90,541 SH   SOLE 0 0 0 90,541
ISHARES INC CORE MSCI EMKT 46434G103   9,336,010 199,915 SH   SOLE 0 0 0 199,915
ISHARES TR CORE MSCI EAFE 46432F842   2,147,291 34,836 SH   SOLE 0 0 0 34,836
ISHARES TR NEW YORK MUN ETF 464288323   257,232 4,909 SH   SOLE 0 0 0 4,909
ISHARES TR ISHS 5-10YR INVT 464288638   4,824,650 97,448 SH   SOLE 0 0 0 97,448
ISHARES TR SHRT NAT MUN ETF 464288158   1,728,171 16,574 SH   SOLE 0 0 0 16,574
ISHARES TR MSCI EAFE MIN VL 46429B689   273,416 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR MSCI USA QLT FCT 46432F339   985,640 8,649 SH   SOLE 0 0 0 8,649
ISHARES TR 0-5YR HI YL CP 46434V407   319,596 7,816 SH   SOLE 0 0 0 7,816
ISHARES TR MSCI INTL MOMENT 46434V449   1,119,530 36,313 SH   SOLE 0 0 0 36,313
ISHARES TR MSCI INTL QUALTY 46434V456   5,332,311 164,628 SH   SOLE 0 0 0 164,628
ISHARES TR CORE INTL AGGR 46435G672   5,992,251 126,020 SH   SOLE 0 0 0 126,020
ISHARES TR MSCI INTL VLU FT 46435G409   11,814,313 509,897 SH   SOLE 0 0 0 509,897
ISHARES TR INTL DIV GRWTH 46435G524   1,295,350 22,477 SH   SOLE 0 0 0 22,477
ISHARES TR CORE US AGGBD ET 464287226   2,074,034 21,384 SH   SOLE 0 0 0 21,384
ISHARES TR CORE S&P TTL STK 464287150   3,632,238 42,833 SH   SOLE 0 0 0 42,833
ISHARES TR NATIONAL MUN ETF 464288414   91,904,016 870,963 SH   SOLE 0 0 0 870,963
ISHARES TR IBOXX INV CP ETF 464287242   312,705 2,966 SH   SOLE 0 0 0 2,966
ISHARES TR S&P SML 600 GWT 464287887   248,561 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200   2,099,323 5,464 SH   SOLE 0 0 0 5,464
ISHARES TR RUS 1000 GRW ETF 464287614   559,166 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR CORE S&P US GWT 464287671   763,924 9,371 SH   SOLE 0 0 0 9,371
JOHNSON & JOHNSON COM 478160104   335,635 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100   400,557 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101   646,703 2,454 SH   SOLE 0 0 0 2,454
MFS HIGH YIELD MUN TR SH BEN INT 59318E102   604,613 193,167 SH   SOLE 0 0 0 193,167
MFS INVT GRADE MUN TR SH BEN INT 59318B108   318,342 44,711 SH   SOLE 0 0 0 44,711
MICROSOFT CORP COM 594918104   906,040 3,778 SH   SOLE 0 0 0 3,778
NETFLIX INC COM 64110L106   203,172 689 SH   SOLE 0 0 0 689
NEUBERGER BERMAN MUN FD INC COM 64124P101   1,381,963 132,626 SH   SOLE 0 0 0 132,626
NUVEEN ARIZONA QLTY MUN INC COM 67061W104   118,184 10,590 SH   SOLE 0 0 0 10,590
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   242,079 21,868 SH   SOLE 0 0 0 21,868
PEPSICO INC COM 713448108   458,876 2,540 SH   SOLE 0 0 0 2,540
PIMCO MUN INCOME FD II COM 72200W106   545,763 60,372 SH   SOLE 0 0 0 60,372
PIMCO NEW YORK MUN INCOME FD COM 72201E105   69,154 10,125 SH   SOLE 0 0 0 10,125
PIONEER NAT RES CO COM 723787107   407,448 1,784 SH   SOLE 0 0 0 1,784
QUALCOMM INC COM 747525103   289,802 2,636 SH   SOLE 0 0 0 2,636
SABINE RTY TR UNIT BEN INT 785688102   291,197 3,417 SH   SOLE 0 0 0 3,417
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,316,685 53,135 SH   SOLE 0 0 0 53,135
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,298,037 182,251 SH   SOLE 0 0 0 182,251
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   305,677 5,720 SH   SOLE 0 0 0 5,720
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,427,768 97,692 SH   SOLE 0 0 0 97,692
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   13,720,673 207,826 SH   SOLE 0 0 0 207,826
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,175,527 260,901 SH   SOLE 0 0 0 260,901
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   598,183 4,807 SH   SOLE 0 0 0 4,807
SOUTHWEST AIRLS CO COM 844741108   222,626 6,612 SH   SOLE 0 0 0 6,612
SPDR SER TR PRTFLO S&P500 VL 78464A508   20,724,092 532,890 SH   SOLE 0 0 0 532,890
SPDR SER TR S&P 600 SMCP VAL 78464A300   518,427 6,985 SH   SOLE 0 0 0 6,985
SPDR SER TR S&P 600 SMCP GRW 78464A201   294,017 4,070 SH   SOLE 0 0 0 4,070
SPDR SER TR PRTFLO S&P500 GW 78464A409   15,694,588 309,741 SH   SOLE 0 0 0 309,741
SPDR SER TR NUVEEN BLMBRG SH 78468R739   15,329,151 326,291 SH   SOLE 0 0 0 326,291
TEXAS INSTRS INC COM 882508104   264,352 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104   389,237 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108   538,589 2,601 SH   SOLE 0 0 0 2,601
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   9,701,688 212,710 SH   SOLE 0 0 0 212,710
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,217,313 6,531 SH   SOLE 0 0 0 6,531
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,601,596 10,198 SH   SOLE 0 0 0 10,198
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   10,420,785 138,427 SH   SOLE 0 0 0 138,427
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,317,466 18,187 SH   SOLE 0 0 0 18,187
VANGUARD INDEX FDS VALUE ETF 922908744   8,619,155 61,403 SH   SOLE 0 0 0 61,403
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,059,186 31,859 SH   SOLE 0 0 0 31,859
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,678,728 18,344 SH   SOLE 0 0 0 18,344
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   252,318 6,473 SH   SOLE 0 0 0 6,473
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,312,173 15,224 SH   SOLE 0 0 0 15,224
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,031,519 121,873 SH   SOLE 0 0 0 121,873
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   13,904,205 237,760 SH   SOLE 0 0 0 237,760
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,880,562 30,839 SH   SOLE 0 0 0 30,839
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,054,296 118,420 SH   SOLE 0 0 0 118,420
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   11,287,911 162,113 SH   SOLE 0 0 0 162,113
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   761,690 7,039 SH   SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839   689,348 3,318 SH   SOLE 0 0 0 3,318