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
Vanguard Muni BND Tax Exempt ETF ETF 922907746   18,238,193 371,980 SH   SOLE   0 0 371,980
Schwab US Large Cap Growth ETF ETF 808524300   14,828,400 507,648 SH   SOLE   0 0 507,648
Vanguard FTSE Developed Markets ETF ETF 921943858   14,227,073 249,553 SH   SOLE   0 0 249,553
Select STR Financial Select SPDR ETF ETF 81369Y605   12,526,124 239,185 SH   SOLE   0 0 239,185
Vanguard Mortgage Backed Sec ETF ETF 92206C771   8,375,373 180,737 SH   SOLE   0 0 180,737
Technology Select Sector SPDR ETF ETF 81369Y803   8,336,386 32,920 SH   SOLE   0 0 32,920
iShares Core S&P 500 ETF ETF 464287200   8,078,216 13,010 SH   SOLE   0 0 13,010
Vanguard FTSE Europe ETF ETF 922042874   7,457,600 96,227 SH   SOLE   0 0 96,227
iShares iBoxx Invt Grade Bond ETF ETF 464287242   7,176,099 65,469 SH   SOLE   0 0 65,469
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   7,068,675 117,713 SH   SOLE   0 0 117,713
Health Care Select SPDR ETF 81369Y209   5,329,805 39,541 SH   SOLE   0 0 39,541
Fidelity MSCI Cons Discr Indx ETF ETF 316092204   4,940,812 52,522 SH   SOLE   0 0 52,522
iShares U.S. Treasury Bond ETF ETF 46429B267   4,919,194 214,064 SH   SOLE   0 0 214,064
Communicat SVS SLCT Sec SPDR ETF IV ETF 81369Y852   4,772,649 43,975 SH   SOLE   0 0 43,975
SPDR Nuveen BLMG HG YL MP BND ETF ETF 78464A284   4,513,433 182,140 SH   SOLE   0 0 182,140
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   3,621,902 24,551 SH   SOLE   0 0 24,551
iShares Expanded Tech Sector ETF ETF 464287549   3,418,658 30,431 SH   SOLE   0 0 30,431
Vanguard S&P 500 ETF ETF 922908363   3,368,470 5,930 SH   SOLE   0 0 5,930
iShares Core MSCI EAFE ETF ETF 46432F842   3,234,599 38,746 SH   SOLE   0 0 38,746
SPDR S&P Aerospace & Defense ETF ETF 78464A631   3,097,306 14,683 SH   SOLE   0 0 14,683
Invesco S&P 500 Equal Weight ETF ETF 46137V357   2,922,142 16,078 SH   SOLE   0 0 16,078
iShares Inc MSCI Japan ETF ETF 46434G822   2,570,504 34,287 SH   SOLE   0 0 34,287
Vanguard Russell 2000 Growth ETF ETF 92206C623   2,550,630 12,235 SH   SOLE   0 0 12,235
Schwab Long Term US Treasury ETF ETF 808524680   2,243,496 70,351 SH   SOLE   0 0 70,351
Nvidia Corp Common Stock 67066G104   2,238,179 14,166 SH   SOLE   0 0 14,166
iShares MSCI Glo Gold Miners ETF ETF 46434G855   2,052,935 46,892 SH   SOLE   0 0 46,892
Vanguard Mid Cap ETF ETF 922908629   1,975,753 7,060 SH   SOLE   0 0 7,060
Invsc QQQ Trust SRS 1 ETF ETF 46090E103   1,723,875 3,125 SH   SOLE   0 0 3,125
Schwab Intermediate Term US TRS ETF ETF 808524854   1,650,670 65,947 SH   SOLE   0 0 65,947
Vanguard Dividend Appreciation ETF ETF 921908844   1,418,140 6,928 SH   SOLE   0 0 6,928
Microsoft Corp Common Stock 594918104   992,221 1,994 SH   SOLE   0 0 1,994
iShares California Muni Bond ETF ETF 464288356   953,488 17,106 SH   SOLE   0 0 17,106
Apple Inc Common Stock 037833100   945,432 4,608 SH   SOLE   0 0 4,608
Vanguard Total Bond Market ETF ETF 921937835   881,277 11,969 SH   SOLE   0 0 11,969
Grayscale Bitcoin TR BTC Fund 389637109   860,770 10,147 SH   SOLE   0 0 10,147
SPDR S&P 500 ETF ETF 78462F103   793,798 1,284 SH   SOLE   0 0 1,284
Tesla Inc Common Stock 88160R101   728,076 2,292 SH   SOLE   0 0 2,292
Alphabet Inc Class C Common Stock 02079K107   645,699 3,640 SH   SOLE   0 0 3,640
SPDR Blackstone Senior Loan ETF ETF 78467V608   564,251 13,567 SH   SOLE   0 0 13,567
Energy Select Sector SPDR ETF ETF 81369Y506   554,318 6,536 SH   SOLE   0 0 6,536
Vanguard High Dividend Yield ETF ETF 921946406   512,976 3,848 SH   SOLE   0 0 3,848
SPDR S&P Midcap 400 ETF ETF 78467Y107   480,375 848 SH   SOLE   0 0 848
Shopify Inc F Class A Common Stock 82509L107   408,339 3,540 SH   SOLE   0 0 3,540
Charles Schwab US REIT ETF ETF 808524847   344,654 16,288 SH   SOLE   0 0 16,288
Amazon.Com Inc Common Stock 023135106   312,411 1,424 SH   SOLE   0 0 1,424
iShares MSCI EAFE ETF ETF 464287465   304,270 3,403 SH   SOLE   0 0 3,403
SPDR Gold Shares ETF ETF 78463V107   304,220 998 SH   SOLE   0 0 998
Meta Platforms Inc Common Stock 30303M102   290,807 394 SH   SOLE   0 0 394
iShares New York Muni Bond ETF ETF 464288323   272,475 5,225 SH   SOLE   0 0 5,225
iShares Broad Usd HG YLD CRP BND ETF ETF 46435U853   271,122 7,228 SH   SOLE   0 0 7,228
Broadcom Inc Common Stock 11135F101   229,109 831 SH   SOLE   0 0 831
Schwab US Aggregate Bond ETF ETF 808524839   204,651 8,806 SH   SOLE   0 0 8,806
Innovator US Equity Power Buffer ETF ETF 45782C318   177,491 4,697 SH   SOLE   0 0 4,697
SPDR Nuveen Blombg MNPL BND ETF ETF 78468R721   144,730 3,240 SH   SOLE   0 0 3,240
Cloudflare Inc Class A Common Stock 18915M107   110,252 563 SH   SOLE   0 0 563
ISHARES MBS ETF ETF 464288588   102,809 1,094 SH   SOLE   0 0 1,094
Grayscale Bitcoin Mini Trust ETF ETF 389930207   96,884 2,029 SH   SOLE   0 0 2,029
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   92,147 424 SH   SOLE   0 0 424
JPMorgan Ultra Short Income ETF ETF 46641Q837   91,578 1,807 SH   SOLE   0 0 1,807
Netflix Inc Common Stock 64110L106   80,347 60 SH   SOLE   0 0 60
Prologis Inc. REIT Not SEC Eligible 74340W103   78,602 747 SH   SOLE   0 0 747
Xometry Inc Class A Common Stock 98423F109   76,669 2,269 SH   SOLE   0 0 2,269
Taiwan Semiconductr F Sponsored ADR Common Stock 874039100   75,647 334 SH   SOLE   0 0 334
Paypal Holdings Incorpor Common Stock 70450Y103   67,779 912 SH   SOLE   0 0 912
Advanced Micro Devic Common Stock 007903107   64,422 454 SH   SOLE   0 0 454
Vanguard Esg International Stock ETF ETF 921910725   59,146 903 SH   SOLE   0 0 903
Vaneck Short Muni ETF ETF 92189F528   57,890 3,354 SH   SOLE   0 0 3,354
Nuveen Esg Large Cap Growth ETF ETF 67092P201   57,027 607 SH   SOLE   0 0 607
iShares MSCI USA QLTY Fact ETF ETF 46432F339   55,759 304 SH   SOLE   0 0 304
Vaneck Gold Miners ETF ETF 92189F106   54,434 1,045 SH   SOLE   0 0 1,045
Digital Realty Trust REIT Not SEC Eligible 253868103   54,021 309 SH   SOLE   0 0 309
iShares Core US Aggregate Bond ETF ETF 464287226   50,591 509 SH   SOLE   0 0 509
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   45,293 381 SH   SOLE   0 0 381
Equity Residential REIT Not SEC Eligible 29476L107   44,240 655 SH   SOLE   0 0 655
WR Berkley Corp Common Stock 084423102   42,759 582 SH   SOLE   0 0 582
Avalonbay CMNTYS Inc REIT Not SEC Eligible 053484101   42,644 209 SH   SOLE   0 0 209
Stag Industrial Inc REIT Not SEC Eligible 85254J102   41,678 1,148 SH   SOLE   0 0 1,148
Booking Holdings Inc Common Stock 09857L108   40,524 7 SH   SOLE   0 0 7
iShares Global Clean Energy ETF ETF 464288224   38,897 2,967 SH   SOLE   0 0 2,967
Vanguard Glbal Ex US Real Estate ETF ETF 922042676   36,273 786 SH   SOLE   0 0 786
ProShares Ultra S&P 500 ETF ETF 74347R107   32,736 335 SH   SOLE   0 0 335
Mastercard Inc Class A Common Stock 57636Q104   31,468 56 SH   SOLE   0 0 56
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   31,113 469 SH   SOLE   0 0 469
iShares Core Dividend Growth ETF ETF 46434V621   29,540 461 SH   SOLE   0 0 461
Roblox Corp Class A Common Stock 771049103   29,456 280 SH   SOLE   0 0 280
Kimco Realty Corp REIT Not SEC Eligible 49446R109   29,270 1,392 SH   SOLE   0 0 1,392
Vaneck Morningstar Wide Moat ETF ETF 92189F643   28,324 302 SH   SOLE   0 0 302
Berkshire Hathaway Class B Common Stock 084670702   28,174 58 SH   SOLE   0 0 58
ISHARES TR BARCLAYS 1-3YR CR Bonds 464288646   27,472 520,705 PRN   SOLE   0 0 520
Vanguard Esg U.S. Stock ETF ETF 921910733   26,971 246 SH   SOLE   0 0 246
Visa Inc Common Stock 92826C839   26,273 74 SH   SOLE   0 0 74
First Trust Internet Index CF ETF ETF 33733E302   26,125 97 SH   SOLE   0 0 97
Realty Income Corp Disco REIT Not SEC Eligible 756109104   25,911 449 SH   SOLE   0 0 449
iShares MSCI Acwi Ex US ETF ETF 464288240   25,228 413 SH   SOLE   0 0 413
Invesco Water Resources ETF ETF 46137V142   23,210 332 SH   SOLE   0 0 332
Public Storage REIT Not SEC Eligible 74460D109   23,192 79 SH   SOLE   0 0 79
NXP Semiconductors NV Common Stock N6596X109   22,722 104 SH   SOLE   0 0 104
iShares MSCI World ETF ETF 464286392   21,172 124 SH   SOLE   0 0 124
iShares Esg Aware MSCI USA ETF IV ETF 46435G425   20,159 149 SH   SOLE   0 0 149
iShares U.S. Healthcare ETF ETF 464287762   19,598 347 SH   SOLE   0 0 347
Coinbase Global Inc Class A Common Stock 19260Q107   17,524 50 SH   SOLE   0 0 50
Asml Holding NV ADR Common Stock N07059210   16,027 20 SH   SOLE   0 0 20
Equitable Holdings Inc Common Stock 29452E101   15,764 281 SH   SOLE   0 0 281
Hims & Hers Health Inc Class A Common Stock 433000106   15,702 315 SH   SOLE   0 0 315
Essex Property TR REIT Not SEC Eligible 297178105   15,262 53 SH   SOLE   0 0 53
PIMCO Active Bond ETF ETF 72201R775   14,933 162 SH   SOLE   0 0 162
Fidelity MSCI Infor Tech Indx ETF ETF 316092808   13,896 70 SH   SOLE   0 0 70
Weyerhaeuser Co REIT Not SEC Eligible 962166104   13,372 520 SH   SOLE   0 0 520
Invesco Solar ETF ETF 46138G706   13,053 381 SH   SOLE   0 0 381
Intuitive Surgical Common Stock 46120E602   12,498 23 SH   SOLE   0 0 23
Camden Property TR REIT Not SEC Eligible 133131102   12,300 109 SH   SOLE   0 0 109
iShares 3-7 Year Treasury Bond ETF ETF 464288661   11,313 95 SH   SOLE   0 0 95
LXP Industrial Trust REIT Not SEC Eligible 529043101   11,195 1,355 SH   SOLE   0 0 1,355
Alps Alerian MLP ETF ETF 00162Q452   11,042 226 SH   SOLE   0 0 226
Gladstone Land Corpo REIT Not SEC Eligible 376549101   10,943 1,076 SH   SOLE   0 0 1,076
Go Daddy Group Inc Class A Common Stock 380237107   10,803 60 SH   SOLE   0 0 60
Eli Lilly And Co Common Stock 532457108   9,354 12 SH   SOLE   0 0 12
iShares US Industrials ETF ETF 464287754   8,680 61 SH   SOLE   0 0 61
iShares BRD Usd Inv GRD Corp BD ETF ETF 464288620   8,178 158 SH   SOLE   0 0 158
First Trust Nasdaq CYBRSCRTY ETF ETF 33734X846   7,255 96 SH   SOLE   0 0 96
iShares U.S. Infrastructure ETF Mutual Fund 46435U713   6,443 131 SH   SOLE   0 0 131
Penn Entmt Inc Common Stock 707569109   5,914 331 SH   SOLE   0 0 331
Alphabet Inc. Class A Common Stock 02079K305   5,294 30 SH   SOLE   0 0 30
Schwab US Large Cap Value ETF ETF 808524409   4,814 174 SH   SOLE   0 0 174
iShares Russell Mid Cap ETF ETF 464287499   4,506 49 SH   SOLE   0 0 49
First Trust Capital Strength ETF ETF 33733E104   4,090 45 SH   SOLE   0 0 45
Trex Co Inc Common Stock 89531P105   3,534 65 SH   SOLE   0 0 65
iShares MSCI Eurozone ETF ETF 464286608   3,507 58 SH   SOLE   0 0 58
First Trust Smid Cap Rising Divi ETF ETF 33741X102   3,245 92 SH   SOLE   0 0 92
Invesco S And P 500 Garp ETF ETF 46137V431   3,231 30 SH   SOLE   0 0 30
SPDR S&P Dividend ETF ETF 78464A763   3,121 23 SH   SOLE   0 0 23
Vanguard Total International BND ETF ETF 92203J407   3,069 62 SH   SOLE   0 0 62
ISHARES 20 PLS YEAR TREASURY BND ETF Bonds 464287432   2,824 32,000 PRN   SOLE   0 0 32
Invsc Actvly MNG Optm YD DVRS ETF ETF 46090F100   2,647 203 SH   SOLE   0 0 203
First TR Small Cap Valu Alphadex ETF ETF 33737M409   2,521 50 SH   SOLE   0 0 50
Vanguard Health Care ETF ETF 92204A504   2,483 10 SH   SOLE   0 0 10
PIMCO Enhanced Short Maturity Active Esg ETF ETF 72201R643   2,074 21 SH   SOLE   0 0 21
iShares Russell Top 200 Growth ETF ETF 464289438   1,725 6 SH   SOLE   0 0 6
iShares Global Consumer Discretionar ETF 464288745   1,693 8 SH   SOLE   0 0 8
Vaneck Semiconductor ETF Mutual Fund 92189F676   1,673 6 SH   SOLE   0 0 6
iShares National Muni Bond ETF ETF 464288414   1,567 15 SH   SOLE   0 0 15
iShares Core High Dividend ETF Mutual Fund 46429B663   1,288 11 SH   SOLE   0 0 11
SPDR Euro Stoxx 50 ETF ETF 78463X202   1,075 18 SH   SOLE   0 0 18
Snap Inc Class A Common Stock 83304A106   869 100 SH   SOLE   0 0 100
Vaneck High Yield Muni ETF ETF 92189H409   853 16 SH   SOLE   0 0 16
Cipher MNG Inc Common Stock 17253J106   793 166 SH   SOLE   0 0 166
Vaneck Long Muni ETF ETF 92189F536   743 43 SH   SOLE   0 0 43
Walt Disney Co Common Stock 254687106   623 5 SH   SOLE   0 0 5
iShares Global Healthcare ETF ETF 464287325   258 2 SH   SOLE   0 0 2
iShares GNMA Bond ETF ETF 46429B333   219 4 SH   SOLE   0 0 4
iShares Esg Aware MSCI EAFE ETF ETF 46435G516   178 2 SH   SOLE   0 0 2
Gamestop Corp Class A Common Stock 36467W109   97 4 SH   SOLE   0 0 4
iShares Global Tech ETF ETF 464287291   92 1 SH   SOLE   0 0 1
Intel Corp Common Stock 458140100   89 4 SH   SOLE   0 0 4
Trinseo PLC Common Stock G9059U107   62 20 SH   SOLE   0 0 20