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
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 248,340 5,566 SH   SOLE   0 0 5,566
AMAZON COM INC COM 023135106 BBG001S5PQL7 361,515 3,500 SH   SOLE   0 0 3,500
APPLE INC COM 037833100 BBG001S5N8V8 2,104,485 12,762 SH   SOLE   0 0 12,762
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,003,917 6,490 SH   SOLE   0 0 6,490
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 256,504 6,761 SH   SOLE   0 0 6,761
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 765,256 1,540 SH   SOLE   0 0 1,540
EDISON INTL COM 281020107 BBG001S7MY75 836,139 11,845 SH   SOLE   0 0 11,845
HOME DEPOT INC COM 437076102 BBG001S5RTW7 877,491 2,973 SH   SOLE   0 0 2,973
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 218,220 1,142 SH   SOLE   0 0 1,142
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 367,877 1,440 SH   SOLE   0 0 1,440
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 364,582 5,733 SH   SOLE   0 0 5,733
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 323,522 7,807 SH   SOLE   0 0 7,807
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 2,017,907 36,958 SH   SOLE   0 0 36,958
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 6,448,149 144,189 SH   SOLE   0 0 144,189
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 3,586,702 72,444 SH   SOLE   0 0 72,444
KRANESHARES TR QUADRTC INT RT 500767736 BBG00NW3SL00 9,271,876 408,093 SH   SOLE   0 0 408,093
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 569,199 13,145 SH   SOLE   0 0 13,145
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,047,275 3,633 SH   SOLE   0 0 3,633
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 253,276 912 SH   SOLE   0 0 912
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 419,214 2,819 SH   SOLE   0 0 2,819
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 4,759,265 194,097 SH   SOLE   0 0 194,097
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 12,172,380 349,781 SH   SOLE   0 0 349,781
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 329,541 9,776 SH   SOLE   0 0 9,776
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 5,127,557 94,744 SH   SOLE   0 0 94,744
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 2,310,853 42,077 SH   SOLE   0 0 42,077
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 243,448 5,002 SH   SOLE   0 0 5,002
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,133,880 132,200 SH   SOLE   0 0 132,200
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 483,662 9,913 SH   SOLE   0 0 9,913
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,528,536 53,902 SH   SOLE   0 0 53,902
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,960,978 26,804 SH   SOLE   0 0 26,804
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,139,399 17,483 SH   SOLE   0 0 17,483
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 2,821,465 58,331 SH   SOLE   0 0 58,331
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 557,493 28,589 SH   SOLE   0 0 28,589
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 839,078 20,011 SH   SOLE   0 0 20,011
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 1,210,674 29,507 SH   SOLE   0 0 29,507
TOYOTA MOTOR CORP ADS 892331307 BBG001SDB327 224,579 1,585 SH   SOLE   0 0 1,585
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 482,163 1,020 SH   SOLE   0 0 1,020
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 21,665,766 57,611 SH   SOLE   0 0 57,611
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 226,551 1,110 SH   SOLE   0 0 1,110
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,878,133 17,802 SH   SOLE   0 0 17,802
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 2,046,680 33,038 SH   SOLE   0 0 33,038