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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,085,587 3,479 SH   SOLE   0 0 3,479
ALPHABET INC CAP STK CL C 02079K107   231,412 1,481 SH   SOLE   0 0 1,481
ALPHABET INC CAP STK CL A 02079K305   384,899 2,489 SH   SOLE   0 0 2,489
AMAZON COM INC COM 023135106   1,095,517 5,758 SH   SOLE   0 0 5,758
APPLE INC COM 037833100   4,386,173 19,746 SH   SOLE   0 0 19,746
AVERY DENNISON CORP COM 053611109   241,505 1,357 SH   SOLE   0 0 1,357
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,799,240 5,256 SH   SOLE   0 0 5,256
BLACKROCK MUN INCOME QUALITY COM 092479104   479,710 44,500 SH   SOLE   0 0 44,500
BROOKFIELD CORP CL A LTD VT SH 11271J107   1,121,836 21,405 SH   SOLE   0 0 21,405
BUTTERFLY NETWORK INC COM CL A 124155102   96,444 42,300 SH   SOLE   0 0 42,300
CLEARPOINT NEURO INC COM 18507C103   136,295 11,463 SH   SOLE   0 0 11,463
CORTEVA INC COM 22052L104   237,875 3,780 SH   SOLE   0 0 3,780
COSTCO WHSL CORP NEW COM 22160K105   1,986,138 2,100 SH   SOLE   0 0 2,100
ELI LILLY & CO COM 532457108   218,866 265 SH   SOLE   0 0 265
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   323,020 17,376 SH   SOLE   0 0 17,376
EXXON MOBIL CORP COM 30231G102   928,962 7,811 SH   SOLE   0 0 7,811
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   531,320 11,639 SH   SOLE   0 0 11,639
GRAPHIC PACKAGING HLDG CO COM 388689101   266,739 10,275 SH   SOLE   0 0 10,275
HONEYWELL INTL INC COM 438516106   280,368 1,324 SH   SOLE   0 0 1,324
INTERNATIONAL BUSINESS MACHS COM 459200101   976,239 3,926 SH   SOLE   0 0 3,926
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   637,880 13,627 SH   SOLE   0 0 13,627
ISHARES GOLD TR ISHARES NEW 464285204   231,418 3,925 SH   SOLE   0 0 3,925
ISHARES TR NATIONAL MUN ETF 464288414   18,056,367 171,248 SH   SOLE   0 0 171,248
ISHARES TR ISHS 5-10YR INVT 464288638   418,374 7,966 SH   SOLE   0 0 7,966
ISHARES TR US TREAS BD ETF 46429B267   420,823 18,309 SH   SOLE   0 0 18,309
ISHARES TR TRS FLT RT BD 46434V860   41,572,343 820,615 SH   SOLE   0 0 820,615
ISHARES TR CALIF MUN BD ETF 464288356   4,962,264 88,171 SH   SOLE   0 0 88,171
ISHARES TR RUS 1000 VAL ETF 464287598   2,949,972 15,678 SH   SOLE   0 0 15,678
ISHARES TR 3 7 YR TREAS BD 464288661   11,240,349 95,148 SH   SOLE   0 0 95,148
ISHARES TR CORE S&P500 ETF 464287200   3,994,119 7,108 SH   SOLE   0 0 7,108
ISHARES TR CORE US AGGBD ET 464287226   987,815 9,986 SH   SOLE   0 0 9,986
ISHARES TR BROAD USD HIGH 46435U853   331,290 9,000 SH   SOLE   0 0 9,000
ISHARES TR CHINA LG-CAP ETF 464287184   289,265 8,071 SH   SOLE   0 0 8,071
ISHARES TR IBONDS 25 TRM TS 46436E866   823,699 35,246 SH   SOLE   0 0 35,246
ISHARES TR JPMORGAN USD EMG 464288281   7,768,481 85,754 SH   SOLE   0 0 85,754
ISHARES TR 1 3 YR TREAS BD 464287457   243,640 2,945 SH   SOLE   0 0 2,945
ISHARES TR ISHARES SEMICDTR 464287523   276,986 1,472 SH   SOLE   0 0 1,472
ISHARES TR CORE MSCI EAFE 46432F842   3,811,474 50,383 SH   SOLE   0 0 50,383
ISHARES TR IBOXX HI YD ETF 464288513   361,316 4,580 SH   SOLE   0 0 4,580
JOHNSON & JOHNSON COM 478160104   718,585 4,333 SH   SOLE   0 0 4,333
KROGER CO COM 501044101   227,912 3,367 SH   SOLE   0 0 3,367
LENZ THERAPEUTICS INC COM 52635N103   390,432 15,186 SH   SOLE   0 0 15,186
MICROSOFT CORP COM 594918104   2,197,913 5,855 SH   SOLE   0 0 5,855
NETFLIX INC COM 64110L106   267,636 287 SH   SOLE   0 0 287
NUVEEN AMT FREE MUN CR INC F COM 67071L106   512,532 41,400 SH   SOLE   0 0 41,400
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   500,513 40,925 SH   SOLE   0 0 40,925
NVIDIA CORPORATION COM 67066G104   582,652 5,376 SH   SOLE   0 0 5,376
OCUGEN INC COM 67577C105   822,491 1,164,506 SH   SOLE   0 0 1,164,506
ONEOK INC NEW COM 682680103   558,609 5,630 SH   SOLE   0 0 5,630
ORACLE CORP COM 68389X105   676,261 4,837 SH   SOLE   0 0 4,837
PALO ALTO NETWORKS INC COM 697435105   346,399 2,030 SH   SOLE   0 0 2,030
PROGRESSIVE CORP COM 743315103   2,416,056 8,537 SH   SOLE   0 0 8,537
REGENERON PHARMACEUTICALS COM 75886F107   203,588 321 SH   SOLE   0 0 321
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   271,146 12,594 SH   SOLE   0 0 12,594
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   274,088 10,946 SH   SOLE   0 0 10,946
SCHWAB STRATEGIC TR US TIPS ETF 808524870   621,777 23,123 SH   SOLE   0 0 23,123
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,022,548 86,323 SH   SOLE   0 0 86,323
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,593,710 59,959 SH   SOLE   0 0 59,959
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   285,774 12,943 SH   SOLE   0 0 12,943
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   301,511 2,065 SH   SOLE   0 0 2,065
SIMPLIFY EXCHANGE TRADED FUN INTMD TERM TRSRY 82889N798   238,140 18,000 SH   SOLE   0 0 18,000
SPDR GOLD TR GOLD SHS 78463V107   667,620 2,317 SH   SOLE   0 0 2,317
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   25,744,990 707,086 SH   SOLE   0 0 707,086
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,603,957 116,941 SH   SOLE   0 0 116,941
SPDR S&P 500 ETF TR TR UNIT 78462F103   255,082 456 SH   SOLE   0 0 456
SPDR SER TR PORTFOLIO SHORT 78464A474   239,355 7,952 SH   SOLE   0 0 7,952
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,098,932 79,565 SH   SOLE   0 0 79,565
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,384,904 71,748 SH   SOLE   0 0 71,748
SPDR SER TR PORTFOLIO AGRGTE 78464A649   14,255,049 558,146 SH   SOLE   0 0 558,146
SPDR SER TR PORTFOLIO SH TSR 78468R101   11,176,711 382,240 SH   SOLE   0 0 382,240
SPDR SER TR PORTFOLI S&P1500 78464A805   26,092,108 383,651 SH   SOLE   0 0 383,651
STRYKER CORPORATION COM 863667101   1,009,542 2,712 SH   SOLE   0 0 2,712
TESLA INC COM 88160R101   220,804 852 SH   SOLE   0 0 852
T-MOBILE US INC COM 872590104   2,318,243 8,692 SH   SOLE   0 0 8,692
TRINITY CAP INC COM 896442308   310,548 20,485 SH   SOLE   0 0 20,485
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,067,766 28,152 SH   SOLE   0 0 28,152
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   12,797,333 262,133 SH   SOLE   0 0 262,133
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   781,411 1,521 SH   SOLE   0 0 1,521
VANGUARD INDEX FDS SM CP VAL ETF 922908611   445,606 2,392 SH   SOLE   0 0 2,392
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,291,140 32,880 SH   SOLE   0 0 32,880
VANGUARD INDEX FDS GROWTH ETF 922908736   7,464,977 20,131 SH   SOLE   0 0 20,131
VANGUARD INDEX FDS SML CP GRW ETF 922908595   520,157 2,066 SH   SOLE   0 0 2,066
VANGUARD INDEX FDS VALUE ETF 922908744   15,640,916 90,546 SH   SOLE   0 0 90,546
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,685,382 31,602 SH   SOLE   0 0 31,602
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,721,372 82,222 SH   SOLE   0 0 82,222
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   246,788 3,515 SH   SOLE   0 0 3,515
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,646,073 32,987 SH   SOLE   0 0 32,987
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   614,426 10,469 SH   SOLE   0 0 10,469
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,115,547 38,106 SH   SOLE   0 0 38,106
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   6,941,141 120,485 SH   SOLE   0 0 120,485
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   238,608 1,230 SH   SOLE   0 0 1,230
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,156,461 317,853 SH   SOLE   0 0 317,853
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,275,654 19,870 SH   SOLE   0 0 19,870
VANGUARD WORLD FD INF TECH ETF 92204A702   1,205,305 2,222 SH   SOLE   0 0 2,222
WORTHINGTON ENTERPRISES INC COM 981811102   200,059 3,994 SH   SOLE   0 0 3,994