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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   291,670 3,763 SH   SOLE   0 0 3,763
ALPHABET INC CAP STK CL A 02079K305   704,038 5,040 SH   SOLE   0 0 5,040
ALPHABET INC CAP STK CL C 02079K107   1,215,098 8,622 SH   SOLE   0 0 8,622
AMAZON COM INC COM 023135106   1,961,849 12,912 SH   SOLE   0 0 12,912
APPLE INC COM 037833100   3,424,916 17,789 SH   SOLE   0 0 17,789
AT&T INC COM 00206R102   457,473 27,263 SH   SOLE   0 0 27,263
ATYR PHARMA INC COM NEW 002120202   14,100 10,000 SH   SOLE   0 0 10,000
CBRE GBL REAL ESTATE INC FD COM 12504G100   82,536 15,200 SH   SOLE   0 0 15,200
CEMEX SAB DE CV SPON ADR NEW 151290889   797,088 102,850 SH   SOLE   0 0 102,850
CITIGROUP INC COM NEW 172967424   426,438 8,290 SH   SOLE   0 0 8,290
CLEAN ENERGY FUELS CORP COM 184499101   76,600 20,000 SH   SOLE   0 0 20,000
CVS HEALTH CORP COM 126650100   779,572 9,873 SH   SOLE   0 0 9,873
DISNEY WALT CO COM 254687106   232,497 2,575 SH   SOLE   0 0 2,575
DURECT CORP COM NEW 266605500   6,608 11,200 SH   SOLE   0 0 11,200
EXTRA SPACE STORAGE INC COM 30225T102   200,545 1,251 SH   SOLE   0 0 1,251
EXXON MOBIL CORP COM 30231G102   365,127 3,652 SH   SOLE   0 0 3,652
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   239,675 2,403 SH   SOLE   0 0 2,403
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   275,635 4,529 SH   SOLE   0 0 4,529
INVESCO QQQ TR UNIT SER 1 46090E103   1,807,211 4,413 SH   SOLE   0 0 4,413
ISHARES GOLD TR ISHARES NEW 464285204   238,473 6,110 SH   SOLE   0 0 6,110
ISHARES INC MSCI EMERG MRKT 464286533   260,384 4,684 SH   SOLE   0 0 4,684
ISHARES INC CORE MSCI EMKT 46434G103   1,292,926 25,562 SH   SOLE   0 0 25,562
ISHARES TR CORE DIV GRWTH 46434V621   352,467 6,549 SH   SOLE   0 0 6,549
ISHARES TR US HLTHCARE ETF 464287762   403,885 1,411 SH   SOLE   0 0 1,411
ISHARES TR 0-5YR INVT GR CP 46434V100   2,756,922 56,035 SH   SOLE   0 0 56,035
ISHARES TR IBONDS 24 TRM TS 46436E874   272,648 11,427 SH   SOLE   0 0 11,427
ISHARES TR IBONDS DEC24 ETF 46434VBG4   608,701 24,436 SH   SOLE   0 0 24,436
ISHARES TR SHORT TREAS BD 464288679   4,410,486 40,048 SH   SOLE   0 0 40,048
ISHARES TR MSCI USA QLT FCT 46432F339   1,565,422 10,639 SH   SOLE   0 0 10,639
ISHARES TR BLACKROCK ULTRA 46434V878   436,470 8,667 SH   SOLE   0 0 8,667
ISHARES TR IBONDS DEC25 ETF 46434VBD1   366,349 14,796 SH   SOLE   0 0 14,796
ISHARES TR 20 YR TR BD ETF 464287432   764,738 7,734 SH   SOLE   0 0 7,734
ISHARES TR MBS ETF 464288588   1,334,807 14,188 SH   SOLE   0 0 14,188
ISHARES TR IBONDS DEC 26 46435U259   286,259 11,221 SH   SOLE   0 0 11,221
ISHARES TR USD INV GRDE ETF 464288620   885,465 17,274 SH   SOLE   0 0 17,274
ISHARES TR U.S. TECH ETF 464287721   229,052 1,866 SH   SOLE   0 0 1,866
ISHARES TR S&P 500 GRWT ETF 464287309   958,126 12,758 SH   SOLE   0 0 12,758
ISHARES TR CYBERSECURITY 46435U135   512,996 11,292 SH   SOLE   0 0 11,292
ISHARES TR TRS FLT RT BD 46434V860   1,035,140 20,510 SH   SOLE   0 0 20,510
ISHARES TR 0-5YR HI YL CP 46434V407   898,399 21,279 SH   SOLE   0 0 21,279
ISHARES TR INTL SEL DIV ETF 464288448   335,964 12,003 SH   SOLE   0 0 12,003
ISHARES TR ESG AWR MSCI USA 46435G425   445,910 4,250 SH   SOLE   0 0 4,250
ISHARES TR MSCI USA VALUE 46432F388   489,412 4,838 SH   SOLE   0 0 4,838
ISHARES TR EAFE GRWTH ETF 464288885   620,034 6,402 SH   SOLE   0 0 6,402
ISHARES TR CORE TOTAL USD 46434V613   3,844,864 83,457 SH   SOLE   0 0 83,457
ISHARES TR 1 3 YR TREAS BD 464287457   10,046,864 122,463 SH   SOLE   0 0 122,463
ISHARES TR US TREAS BD ETF 46429B267   1,538,957 66,795 SH   SOLE   0 0 66,795
ISHARES TR IBOXX INV CP ETF 464287242   2,043,116 18,463 SH   SOLE   0 0 18,463
ISHARES TR JPMORGAN USD EMG 464288281   1,639,505 18,409 SH   SOLE   0 0 18,409
ISHARES TR EAFE VALUE ETF 464288877   846,157 16,241 SH   SOLE   0 0 16,241
ISHARES TR GL CLEAN ENE ETF 464288224   167,440 10,754 SH   SOLE   0 0 10,754
ISHARES TR CORE S&P US VLU 464287663   688,049 8,159 SH   SOLE   0 0 8,159
ISHARES TR TIPS BD ETF 464287176   854,331 7,948 SH   SOLE   0 0 7,948
ISHARES TR BROAD USD HIGH 46435U853   404,757 11,135 SH   SOLE   0 0 11,135
ISHARES TR CORE MSCI EAFE 46432F842   906,038 12,879 SH   SOLE   0 0 12,879
ISHARES TR CORE S&P500 ETF 464287200   3,683,005 7,711 SH   SOLE   0 0 7,711
ISHARES TR MSCI USA MIN VOL 46429B697   868,630 11,132 SH   SOLE   0 0 11,132
JPMORGAN CHASE & CO COM 46625H100   380,684 2,238 SH   SOLE   0 0 2,238
MASTERCARD INCORPORATED CL A 57636Q104   577,495 1,354 SH   SOLE   0 0 1,354
MERCK & CO INC COM 58933Y105   234,611 2,152 SH   SOLE   0 0 2,152
META PLATFORMS INC CL A 30303M102   467,581 1,321 SH   SOLE   0 0 1,321
MICROSOFT CORP COM 594918104   2,610,094 6,941 SH   SOLE   0 0 6,941
NVIDIA CORPORATION COM 67066G104   432,823 874 SH   SOLE   0 0 874
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   712,999 7,145 SH   SOLE   0 0 7,145
PROLOGIS INC. COM 74340W103   243,806 1,829 SH   SOLE   0 0 1,829
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,812,133 14,610 SH   SOLE   0 0 14,610
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   246,987 3,900 SH   SOLE   0 0 3,900
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   964,816 25,660 SH   SOLE   0 0 25,660
SPDR GOLD TR GOLD SHS 78463V107   336,842 1,762 SH   SOLE   0 0 1,762
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,778,135 3,741 SH   SOLE   0 0 3,741
SPDR SER TR PRTFLO S&P500 HI 78468R788   211,548 5,398 SH   SOLE   0 0 5,398
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,521,416 51,077 SH   SOLE   0 0 51,077
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,688,504 6,155 SH   SOLE   0 0 6,155
VANGUARD INDEX FDS GROWTH ETF 922908736   1,365,074 4,391 SH   SOLE   0 0 4,391
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   239,694 2,949 SH   SOLE   0 0 2,949
VISA INC COM CL A 92826C839   1,087,482 4,177 SH   SOLE   0 0 4,177
WELLS FARGO CO NEW COM 949746101   552,199 11,219 SH   SOLE   0 0 11,219