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
AMAZON COM INC COM 023135106 BBG001S5PQL7 294,000 3,500 SH   SOLE   0 0 3,500
APPLE INC COM 037833100 BBG001S5N8V8 1,675,348 12,894 SH   SOLE   0 0 12,894
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,004,761 6,490 SH   SOLE   0 0 6,490
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 227,290 6,507 SH   SOLE   0 0 6,507
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 861,637 1,887 SH   SOLE   0 0 1,887
EDISON INTL COM 281020107 BBG001S7MY75 902,798 14,190 SH   SOLE   0 0 14,190
HOME DEPOT INC COM 437076102 BBG001S5RTW7 947,974 3,001 SH   SOLE   0 0 3,001
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 265,887 1,241 SH   SOLE   0 0 1,241
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 382,104 1,440 SH   SOLE   0 0 1,440
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 341,888 5,722 SH   SOLE   0 0 5,722
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 304,551 7,807 SH   SOLE   0 0 7,807
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 884,805 16,238 SH   SOLE   0 0 16,238
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 5,033,135 112,876 SH   SOLE   0 0 112,876
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 3,890,436 78,978 SH   SOLE   0 0 78,978
KRANESHARES TR QUADRTC INT RT 500767736 BBG00NW3SL00 10,073,542 445,535 SH   SOLE   0 0 445,535
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 482,643 13,030 SH   SOLE   0 0 13,030
MICROSOFT CORP COM 594918104 BBG001S5TD05 869,194 3,624 SH   SOLE   0 0 3,624
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 424,506 2,801 SH   SOLE   0 0 2,801
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,855,755 205,144 SH   SOLE   0 0 205,144
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,248,358 380,266 SH   SOLE   0 0 380,266
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 282,550 8,978 SH   SOLE   0 0 8,978
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 5,473,196 104,014 SH   SOLE   0 0 104,014
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 2,253,683 42,172 SH   SOLE   0 0 42,172
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 212,576 4,550 SH   SOLE   0 0 4,550
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,048,133 139,255 SH   SOLE   0 0 139,255
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 466,563 9,672 SH   SOLE   0 0 9,672
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,330,538 51,052 SH   SOLE   0 0 51,052
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 974,894 12,906 SH   SOLE   0 0 12,906
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 871,781 15,691 SH   SOLE   0 0 15,691
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 2,524,065 55,904 SH   SOLE   0 0 55,904
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 493,405 25,578 SH   SOLE   0 0 25,578
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 775,628 19,147 SH   SOLE   0 0 19,147
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 1,178,639 29,437 SH   SOLE   0 0 29,437
TOYOTA MOTOR CORP ADS 892331307 BBG001SDB327 206,236 1,510 SH   SOLE   0 0 1,510
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 540,884 1,020 SH   SOLE   0 0 1,020
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 22,623,039 64,391 SH   SOLE   0 0 64,391
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 212,221 1,110 SH   SOLE   0 0 1,110
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 856,366 7,914 SH   SOLE   0 0 7,914
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 970,266 16,288 SH   SOLE   0 0 16,288