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
iShares Core S&P 500 ETF IVV-US 464287200   16,951,798 39,475 SH   SOLE 0 0 0 39,475
Schwab International Equity ETF SCHF-US 808524805   15,730,056 463,194 SH   SOLE 0 0 0 463,194
Schwab US Large Cap ETF SCHX-US 808524201   9,979,212 197,218 SH   SOLE 0 0 0 197,218
Schwab Intermediate Term US TRS ETF SCHR-US 808524854   8,128,481 169,555 SH   SOLE 0 0 0 169,555
iShares Core S&P Mid Cap ETF IJH-US 464287507   6,800,208 27,272 SH   SOLE 0 0 0 27,272
SPDR S&P 500 High Dividend ETF SPYD-US 78468R788   6,763,115 192,846 SH   SOLE 0 0 0 192,846
iShares Core S&P Small Cap ETF IJR-US 464287804   4,502,025 47,726 SH   SOLE 0 0 0 47,726
Alphabet Inc. Class A GOOGL-US 02079K305   4,275,981 32,676 SH   SOLE 0 0 0 32,676
iShares National Muni Bond ETF MUB-US 464288414   4,205,179 41,010 SH   SOLE 0 0 0 41,010
Uber Technologies Inc UBER-US 90353T100   4,150,368 90,245 SH   SOLE 0 0 0 90,245
Intel INTC-US 458140100   4,063,410 114,301 SH   SOLE 0 0 0 114,301
Natera, Inc NTRA-US 632307104   3,903,027 88,204 SH   SOLE 0 0 0 88,204
Vanguard Mortgage Backed Sec ETF VMBS-US 92206C771   3,862,941 88,235 SH   SOLE 0 0 0 88,235
Accenture PLC Class A ACN-US G1151C101   3,639,868 11,852 SH   SOLE 0 0 0 11,852
Purecycle Technologies Inc PCT-US 74623V103   3,494,497 622,905 SH   SOLE 0 0 0 622,905
Constellation Brand Class A STZ-US 21036P108   3,489,219 13,883 SH   SOLE 0 0 0 13,883
Ambarella Inc AMBA-US G037AX101   3,462,011 65,284 SH   SOLE 0 0 0 65,284
JPMorgan Chase JPM-US 46625H100   3,378,994 23,300 SH   SOLE 0 0 0 23,300
Phillips 66 PSX-US 718546104   3,377,564 28,111 SH   SOLE 0 0 0 28,111
Marathon Petroleum Corp MPC-US 56585A102   3,346,237 22,111 SH   SOLE 0 0 0 22,111
MetLife, Inc. MET-US 59156R108   3,301,277 52,476 SH   SOLE 0 0 0 52,476
Amazon Com Inc AMZN-US 023135106   3,283,001 25,826 SH   SOLE 0 0 0 25,826
Tapestry Inc TPR-US 876030107   3,183,922 110,745 SH   SOLE 0 0 0 110,745
Cloudflare Inc Class A NET-US 18915M107   3,147,965 49,936 SH   SOLE 0 0 0 49,936
Eaton Corp PLC F ETN-US G29183103   3,136,496 14,706 SH   SOLE 0 0 0 14,706
SPDR Intrmdt TRM Crprate BND ETF SPIB-US 78464A375   3,116,937 99,108 SH   SOLE 0 0 0 99,108
Westrock Co WRK-US 96145D105   3,094,082 86,427 SH   SOLE 0 0 0 86,427
Twilio Inc Class A TWLO-US 90138F102   2,990,473 51,093 SH   SOLE 0 0 0 51,093
Fidelity Natl Finl FNF-US 31620R303   2,981,898 72,201 SH   SOLE 0 0 0 72,201
Wells Fargo & Co WFC-US 949746101   2,954,877 72,317 SH   SOLE 0 0 0 72,317
BlackRock Inc BLK-US 09247X101   2,942,737 4,552 SH   SOLE 0 0 0 4,552
iShares Core MSCI Totl Intl STCK ETF IXUS-US 46432F834   2,899,640 48,335 SH   SOLE 0 0 0 48,335
Lyondellbasell Inds F Class A LYB-US N53745100   2,795,980 29,525 SH   SOLE 0 0 0 29,525
United Parcel SRVC Class B UPS-US 911312106   2,758,524 17,698 SH   SOLE 0 0 0 17,698
Pinterest Inc Class A PINS-US 72352L106   2,753,897 101,883 SH   SOLE 0 0 0 101,883
SPDR Nuveen BLMBRG Barclays Mun BD ETF TFI-US 78468R721   2,688,996 61,533 SH   SOLE 0 0 0 61,533
Vanguard High Dividend Yield ETF VYM-US 921946406   2,608,417 25,246 SH   SOLE 0 0 0 25,246
Meta Platforms Inc Class A META-US 30303M102   2,595,616 8,646 SH   SOLE 0 0 0 8,646
Abbvie Inc ABBV-US 00287Y109   2,591,795 17,388 SH   SOLE 0 0 0 17,388
Abbott Laboratories ABT-US 002824100   2,525,634 26,078 SH   SOLE 0 0 0 26,078
Vanguard FTSE Emerging Markets ETF VWO-US 922042858   2,518,688 64,236 SH   SOLE 0 0 0 64,236
UnitedHealth Group UNH-US 91324P102   2,403,749 4,768 SH   SOLE 0 0 0 4,768
Snowflake Inc Class A SNOW-US 833445109   2,384,129 15,606 SH   SOLE 0 0 0 15,606
Nvidia Corp NVDA-US 67066G104   2,326,231 5,348 SH   SOLE 0 0 0 5,348
RH RH-US 74967X103   2,322,138 8,784 SH   SOLE 0 0 0 8,784
Merck & Co Inc MRK-US 58933Y105   2,305,490 22,394 SH   SOLE 0 0 0 22,394
Pfizer PFE-US 717081103   2,292,131 69,103 SH   SOLE 0 0 0 69,103
XTRCKR MSCI EAFE HG DV YLD Eq ETF HDEF-US 233051630   2,280,618 100,957 SH   SOLE 0 0 0 100,957
Energy Select Sector SPDR ETF XLE-US 81369Y506   2,279,968 25,224 SH   SOLE 0 0 0 25,224
Charles Schwab US REIT ETF SCHH-US 808524847   2,273,735 128,098 SH   SOLE 0 0 0 128,098
Global X US Preferred ETF PFFD-US 37954Y657   2,271,251 120,747 SH   SOLE 0 0 0 120,747
iShares Broad Usd HG YLD CRP BND ETF USHY-US 46435U853   2,269,252 65,377 SH   SOLE 0 0 0 65,377
iShares Intermedt Term Corp Bond ETF IGIB-US 464288638   2,258,993 46,434 SH   SOLE 0 0 0 46,434
Duke Energy Corp DUK-US 26441C204   2,082,540 23,596 SH   SOLE 0 0 0 23,596
Kimberly-Clark Corp KMB-US 494368103   2,064,443 17,083 SH   SOLE 0 0 0 17,083
Mondelez Intl Class A MDLZ-US 609207105   2,060,764 29,694 SH   SOLE 0 0 0 29,694
Consolidated Edison ED-US 209115104   2,051,950 23,991 SH   SOLE 0 0 0 23,991
Genuine Parts Co GPC-US 372460105   1,988,992 13,776 SH   SOLE 0 0 0 13,776
Marvell Technology Inc MRVL-US 573874104   1,988,520 36,736 SH   SOLE 0 0 0 36,736
Service Now Inc NOW-US 81762P102   1,968,098 3,521 SH   SOLE 0 0 0 3,521
Paypal Holdings, Inc PYPL-US 70450Y103   1,927,426 32,970 SH   SOLE 0 0 0 32,970
Lamar Advertising REIT LAMR-US 512816109   1,886,059 22,596 SH   SOLE 0 0 0 22,596
American Tower Corp REIT AMT-US 03027X100   1,840,744 11,193 SH   SOLE 0 0 0 11,193
MP Materials Corp Class A MP-US 553368101   1,826,781 95,643 SH   SOLE 0 0 0 95,643
Cognizant Tech Solu Class A CTSH-US 192446102   1,773,428 26,180 SH   SOLE 0 0 0 26,180
Match Group, Inc MTCH-US 57667L107   1,759,976 44,926 SH   SOLE 0 0 0 44,926
Corning Inc GLW-US 219350105   1,733,884 56,905 SH   SOLE 0 0 0 56,905
Cisco Systems CSCO-US 17275R102   1,667,686 31,021 SH   SOLE 0 0 0 31,021
Comcast Corporation Class A CMCSA-US 20030N101   1,661,526 37,472 SH   SOLE 0 0 0 37,472
Vertex Pharmaceutica VRTX-US 92532F100   1,555,789 4,474 SH   SOLE 0 0 0 4,474
Interpublic GRP Cos IPG-US 460690100   1,520,072 53,038 SH   SOLE 0 0 0 53,038
Shopify Inc Class A SHOP-US 82509L107   1,507,551 27,626 SH   SOLE 0 0 0 27,626
Vail Resorts Inc MTN-US 91879Q109   1,428,360 6,437 SH   SOLE 0 0 0 6,437
Charles Schwab US MC ETF SCHM-US 808524508   1,422,837 21,023 SH   SOLE 0 0 0 21,023
Applied Materials AMAT-US 038222105   1,421,051 10,264 SH   SOLE 0 0 0 10,264
Okta Inc Class A OKTA-US 679295105   1,385,018 16,992 SH   SOLE 0 0 0 16,992
Guardant Health Inc GH-US 40131M109   1,384,040 46,695 SH   SOLE 0 0 0 46,695
Atlassian Corp Class A TEAM-US 049468101   1,300,143 6,452 SH   SOLE 0 0 0 6,452
Vanguard Internatnl HGH DIV YLD ETF VYMI-US 921946794   1,188,907 19,210 SH   SOLE 0 0 0 19,210
Vanguard Intermediate-Term Government Bond ETF VGIT-US 92206C706   1,187,977 20,787 SH   SOLE 0 0 0 20,787
SPDR Wells Fargo Preferred Stock ETF PSK-US 78464A292   1,091,468 33,625 SH   SOLE 0 0 0 33,625
Ciena Corp CIEN-US 171779309   1,050,873 22,236 SH   SOLE 0 0 0 22,236
Workday Inc Class A WDAY-US 98138H101   1,028,057 4,785 SH   SOLE 0 0 0 4,785
Visteon Corp VC-US 92839U206   1,020,475 7,391 SH   SOLE 0 0 0 7,391
Intuitive Surgical ISRG-US 46120E602   1,004,601 3,437 SH   SOLE 0 0 0 3,437
Netflix Inc NFLX-US 64110L106   988,934 2,619 SH   SOLE 0 0 0 2,619
Schwab US Dividend Equity ETF SCHD-US 808524797   807,442 11,411 SH   SOLE 0 0 0 11,411
Lennox International LII-US 526107107   784,077 2,094 SH   SOLE 0 0 0 2,094
Global X MLP ETF MLPA-US 37954Y343   729,760 16,366 SH   SOLE 0 0 0 16,366
Microsoft MSFT-US 594918104   728,320 2,307 SH   SOLE 0 0 0 2,307
Schwab US Small Cap ETF SCHA-US 808524607   720,972 17,406 SH   SOLE 0 0 0 17,406
Etsy Inc ETSY-US 29786A106   700,499 10,847 SH   SOLE 0 0 0 10,847
Apple AAPL-US 037833100   608,706 3,555 SH   SOLE 0 0 0 3,555
Vanguard REIT ETF VNQ-US 922908553   596,393 7,883 SH   SOLE 0 0 0 7,883
Arista Networks Inc ANET-US 040413106   560,067 3,045 SH   SOLE 0 0 0 3,045
Schwab Emerging Markets Equity ETF SCHE-US 808524706   555,198 23,191 SH   SOLE 0 0 0 23,191
Block Inc Class A SQ-US 852234103   524,215 11,844 SH   SOLE 0 0 0 11,844
Vaneck Vectors Semiconductor ETF SMH-US 92189F676   513,231 3,540 SH   SOLE 0 0 0 3,540
iShares MBS ETF MBB-US 464288588   505,094 5,688 SH   SOLE 0 0 0 5,688
iShares iBoxx High Yield Bond ETF HYG-US 464288513   404,784 5,491 SH   SOLE 0 0 0 5,491
Illinois Tool Works ITW-US 452308109   368,738 1,601 SH   SOLE 0 0 0 1,601
iShares U.S. Preferred Stock ETF PFF-US 464288687   351,549 11,660 SH   SOLE 0 0 0 11,660
ExxonMobil XOM-US 30231G102   332,559 2,828 SH   SOLE 0 0 0 2,828
Berkshire Hathaway Class B BRKB-US 084670702   311,066 888 SH   SOLE 0 0 0 888
iShares International Sel DIV ETF IDV-US 464288448   310,794 12,236 SH   SOLE 0 0 0 12,236
Vanguard International G Rowth Adm VWILX-US 921910501   272,394 2,923 SH   SOLE 0 0 0 2,923
Schwab Government Money Inv SNVXX-US 808515613   250,000 250,000 SH   SOLE 0 0 0 250,000
iShares iBoxx Invt Grade Bond ETF LQD-US 464287242   245,460 2,406 SH   SOLE 0 0 0 2,406
Invesco FTSE Rafi US 1500 Small-Mid ETF PRFZ-US 46137V597   231,156 7,007 SH   SOLE 0 0 0 7,007
iShares Esg MSCI USA Leaders ETF IV SUSL-US 46435U218   226,269 3,001 SH   SOLE 0 0 0 3,001
Amgen Incorporated AMGN-US 031162100   224,516 835 SH   SOLE 0 0 0 835
iShares Esg Aware MSCI USA ETF ESML-US 46435U663   218,956 6,507 SH   SOLE 0 0 0 6,507
Pacer Trendpilot 100 ETF PTNQ-US 69374H303   206,924 3,368 SH   SOLE 0 0 0 3,368
iShares International TRSRY BND ETF IGOV-US 464288117   206,256 5,549 SH   SOLE 0 0 0 5,549
Visa Inc Class A V-US 92826C839   202,661 881 SH   SOLE 0 0 0 881