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   523,063 4,602 SH   SOLE 0 0 0 4,602
ALPHABET INC CAP STK CL A 02079K305   1,328,184 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102   240,396 15,661 SH   SOLE 0 0 0 15,661
AMERICAN EXPRESS CO COM 025816109   215,395 946 SH   SOLE 0 0 0 946
APPLE INC COM 037833100   986,401 5,752 SH   SOLE 0 0 0 5,752
BANK AMERICA CORP COM 060505104   265,852 7,011 SH   SOLE 0 0 0 7,011
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   1,558,950 50,127 SH   SOLE 0 0 0 50,127
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,134,983 2,699 SH   SOLE 0 0 0 2,699
BLACKROCK MUNI INCOME TR II COM 09249N101   1,145,545 105,483 SH   SOLE 0 0 0 105,483
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   124,750 10,327 SH   SOLE 0 0 0 10,327
BLACKROCK MUNIVEST FD II INC COM 09253T101   1,416,696 129,853 SH   SOLE 0 0 0 129,853
BLACKROCK MUNIVEST FD INC COM 09253R105   202,622 28,700 SH   SOLE 0 0 0 28,700
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   1,408,136 135,528 SH   SOLE 0 0 0 135,528
BNY MELLON STRATEGIC MUN BD COM 09662E109   460,842 78,642 SH   SOLE 0 0 0 78,642
BNY MELLON STRATEGIC MUNS IN COM 05588W108   1,459,321 239,233 SH   SOLE 0 0 0 239,233
CHEVRON CORP NEW COM 166764100   1,215,702 7,707 SH   SOLE 0 0 0 7,707
CONOCOPHILLIPS COM 20825C104   693,676 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102   311,900 1,249 SH   SOLE 0 0 0 1,249
DISNEY WALT CO COM 254687106   314,867 2,573 SH   SOLE 0 0 0 2,573
EOG RES INC COM 26875P101   728,816 5,701 SH   SOLE 0 0 0 5,701
EXXON MOBIL CORP COM 30231G102   1,693,036 14,565 SH   SOLE 0 0 0 14,565
GOLDMAN SACHS GROUP INC COM 38141G104   463,636 1,110 SH   SOLE 0 0 0 1,110
HOME DEPOT INC COM 437076102   229,393 598 SH   SOLE 0 0 0 598
INVESCO ADVANTAGE MUN INCOME SH BEN INT 46132E103   666,502 78,412 SH   SOLE 0 0 0 78,412
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,122,750 47,115 SH   SOLE 0 0 0 47,115
ISHARES BITCOIN TR SHS 46438F101   663,344 16,391 SH   SOLE 0 0 0 16,391
ISHARES GOLD TR ISHARES NEW 464285204   4,802,247 114,312 SH   SOLE 0 0 0 114,312
ISHARES INC MSCI GBL MIN VOL 464286525   10,203,588 96,928 SH   SOLE 0 0 0 96,928
ISHARES INC MSCI GBL ETF NEW 46434G848   2,100,095 50,362 SH   SOLE 0 0 0 50,362
ISHARES INC CORE MSCI EMKT 46434G103   7,967,372 154,406 SH   SOLE 0 0 0 154,406
ISHARES TR CORE MSCI EAFE 46432F842   504,778 6,801 SH   SOLE 0 0 0 6,801
ISHARES TR CORE 1 5 YR USD 46432F859   233,007 4,912 SH   SOLE 0 0 0 4,912
ISHARES TR MSCI EAFE MIN VL 46429B689   304,784 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR MSCI USA QLT FCT 46432F339   1,336,001 8,129 SH   SOLE 0 0 0 8,129
ISHARES TR MSCI INTL MOMENT 46434V449   892,992 22,763 SH   SOLE 0 0 0 22,763
ISHARES TR MSCI INTL QUALTY 46434V456   5,813,296 146,578 SH   SOLE 0 0 0 146,578
ISHARES TR INTL DIV GRWTH 46435G524   903,298 13,410 SH   SOLE 0 0 0 13,410
ISHARES TR 0-3 MNTH TREASRY 46436E718   8,585,206 85,247 SH   SOLE 0 0 0 85,247
ISHARES TR CORE INTL AGGR 46435G672   6,978,063 139,701 SH   SOLE 0 0 0 139,701
ISHARES TR MSCI INTL VLU FT 46435G409   12,116,485 429,206 SH   SOLE 0 0 0 429,206
ISHARES TR ISHS 5-10YR INVT 464288638   3,109,364 60,259 SH   SOLE 0 0 0 60,259
ISHARES TR SHRT NAT MUN ETF 464288158   15,507,999 148,076 SH   SOLE 0 0 0 148,076
ISHARES TR NATIONAL MUN ETF 464288414   8,645,983 80,353 SH   SOLE 0 0 0 80,353
ISHARES TR S&P SML 600 GWT 464287887   300,679 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200   2,905,830 5,527 SH   SOLE 0 0 0 5,527
ISHARES TR RUS 1000 GRW ETF 464287614   879,701 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR CORE S&P US GWT 464287671   1,846,058 15,750 SH   SOLE 0 0 0 15,750
JOHNSON & JOHNSON COM 478160104   300,561 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100   626,338 3,127 SH   SOLE 0 0 0 3,127
MCDONALDS CORP COM 580135101   696,417 2,470 SH   SOLE 0 0 0 2,470
MICROSOFT CORP COM 594918104   1,470,416 3,495 SH   SOLE 0 0 0 3,495
NETFLIX INC COM 64110L106   477,969 787 SH   SOLE 0 0 0 787
NEUBERGER BERMAN MUN FD INC COM 64124P101   1,168,148 111,571 SH   SOLE 0 0 0 111,571
NUVEEN AMT FREE MUN CR INC F COM 67071L106   123,614 10,174 SH   SOLE 0 0 0 10,174
NUVEEN AMT FREE QLTY MUN INC COM 670657105   131,810 11,907 SH   SOLE 0 0 0 11,907
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   224,708 16,645 SH   SOLE 0 0 0 16,645
NUVEEN QUALITY MUNCP INCOME COM 67066V101   307,460 26,829 SH   SOLE 0 0 0 26,829
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   91,482 10,176 SH   SOLE 0 0 0 10,176
PEPSICO INC COM 713448108   471,135 2,692 SH   SOLE 0 0 0 2,692
PIMCO CALIF MUN INCOME FD COM 72200N106   483,556 51,662 SH   SOLE 0 0 0 51,662
PIMCO CALIF MUN INCOME FD II COM 72200M108   1,552,695 269,098 SH   SOLE 0 0 0 269,098
PIMCO MUN INCOME FD II COM 72200W106   596,139 70,134 SH   SOLE 0 0 0 70,134
PIMCO NEW YORK MUN INCOME FD COM 72201E105   76,568 13,044 SH   SOLE 0 0 0 13,044
PIONEER NAT RES CO COM 723787107   472,763 1,801 SH   SOLE 0 0 0 1,801
QUALCOMM INC COM 747525103   287,133 1,696 SH   SOLE 0 0 0 1,696
SABINE RTY TR UNIT BEN INT 785688102   215,989 3,417 SH   SOLE 0 0 0 3,417
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   15,998,743 172,549 SH   SOLE 0 0 0 172,549
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   8,261,989 108,739 SH   SOLE 0 0 0 108,739
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,409,903 50,789 SH   SOLE 0 0 0 50,789
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   7,374,439 207,089 SH   SOLE 0 0 0 207,089
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   337,557 5,009 SH   SOLE 0 0 0 5,009
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,917,817 234,369 SH   SOLE 0 0 0 234,369
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   501,306 2,407 SH   SOLE 0 0 0 2,407
SPDR SER TR S&P 600 SMCP VAL 78464A300   384,234 4,631 SH   SOLE 0 0 0 4,631
SPDR SER TR S&P 600 SMCP GRW 78464A201   301,729 3,459 SH   SOLE 0 0 0 3,459
SPDR SER TR PRTFLO S&P500 GW 78464A409   31,983,317 437,229 SH   SOLE 0 0 0 437,229
SPDR SER TR PRTFLO S&P500 VL 78464A508   18,386,750 367,001 SH   SOLE 0 0 0 367,001
SPDR SER TR NUVEEN BLMBRG MU 78468R721   14,728,954 316,888 SH   SOLE 0 0 0 316,888
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,098,948 23,165 SH   SOLE 0 0 0 23,165
TEXAS INSTRS INC COM 882508104   278,736 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104   375,971 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108   639,664 2,601 SH   SOLE 0 0 0 2,601
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,085,287 9,653 SH   SOLE 0 0 0 9,653
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,131,157 12,793 SH   SOLE 0 0 0 12,793
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,559,565 59,470 SH   SOLE 0 0 0 59,470
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   3,752,770 51,884 SH   SOLE 0 0 0 51,884
VANGUARD INDEX FDS VALUE ETF 922908744   7,011,131 43,050 SH   SOLE 0 0 0 43,050
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,069,374 26,419 SH   SOLE 0 0 0 26,419
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   827,700 9,571 SH   SOLE 0 0 0 9,571
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,905,098 14,978 SH   SOLE 0 0 0 14,978
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   369,241 8,840 SH   SOLE 0 0 0 8,840
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,254,085 11,349 SH   SOLE 0 0 0 11,349
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   58,642,743 1,158,947 SH   SOLE 0 0 0 1,158,947
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,456,626 93,196 SH   SOLE 0 0 0 93,196
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   851,649 7,039 SH   SOLE 0 0 0 7,039
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,166,558 33,932 SH   SOLE 0 0 0 33,932
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   10,611,456 154,236 SH   SOLE 0 0 0 154,236
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   18,100,129 222,006 SH   SOLE 0 0 0 222,006
VANGUARD WORLD FD ENERGY ETF 92204A306   1,930,459 14,658 SH   SOLE 0 0 0 14,658
VISA INC COM CL A 92826C839   970,082 3,476 SH   SOLE 0 0 0 3,476