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
AB ACTIVE ETFS INC INTL LOW VOLATLT 00039J822   1,061,323 28,990 SH   SOLE 0 0 0 28,990
AB ACTIVE ETFS INC SHORT DURATION H 00039J830   1,229,705 34,206 SH   SOLE 0 0 0 34,206
ABBVIE INC COM 00287Y109   209,328 1,060 SH   SOLE 0 0 0 1,060
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   286,736 2,702 SH   SOLE 0 0 0 2,702
ALPHABET INC CAP STK CL C 02079K107   1,539,151 9,206 SH   SOLE 0 0 0 9,206
ALPHABET INC CAP STK CL A 02079K305   1,071,391 6,460 SH   SOLE 0 0 0 6,460
AMAZON COM INC COM 023135106   2,188,073 11,743 SH   SOLE 0 0 0 11,743
APPLE INC COM 037833100   4,725,240 20,280 SH   SOLE 0 0 0 20,280
ASML HOLDING N V N Y REGISTRY SHS N07059210   211,645 254 SH   SOLE 0 0 0 254
ATYR PHARMA INC COM NEW 002120202   17,600 10,000 SH   SOLE 0 0 0 10,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   223,226 485 SH   SOLE 0 0 0 485
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   1,126,217 21,039 SH   SOLE 0 0 0 21,039
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   933,696 18,874 SH   SOLE 0 0 0 18,874
BLACKROCK INC COM 09247X101   241,175 254 SH   SOLE 0 0 0 254
CBRE GBL REAL ESTATE INC FD COM 12504G100   125,690 19,131 SH   SOLE 0 0 0 19,131
CEMEX SAB DE CV SPON ADR NEW 151290889   371,185 60,850 SH   SOLE 0 0 0 60,850
THE CIGNA GROUP COM 125523100   276,112 797 SH   SOLE 0 0 0 797
CITIGROUP INC COM NEW 172967424   543,994 8,690 SH   SOLE 0 0 0 8,690
CLEAN ENERGY FUELS CORP COM 184499101   62,200 20,000 SH   SOLE 0 0 0 20,000
CVS HEALTH CORP COM 126650100   616,224 9,800 SH   SOLE 0 0 0 9,800
DISNEY WALT CO COM 254687106   218,832 2,275 SH   SOLE 0 0 0 2,275
DURECT CORP COM NEW 266605500   28,503 21,271 SH   SOLE 0 0 0 21,271
EXTRA SPACE STORAGE INC COM 30225T102   232,399 1,289 SH   SOLE 0 0 0 1,289
EXXON MOBIL CORP COM 30231G102   428,087 3,652 SH   SOLE 0 0 0 3,652
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   781,961 7,797 SH   SOLE 0 0 0 7,797
INNOVATOR ETFS TRUST GRWT100 PWR BUF 45782C276   496,960 8,171 SH   SOLE 0 0 0 8,171
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839   503,902 14,860 SH   SOLE 0 0 0 14,860
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   587,286 3,278 SH   SOLE 0 0 0 3,278
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   319,475 4,529 SH   SOLE 0 0 0 4,529
INVESCO QQQ TR UNIT SER 1 46090E103   1,436,390 2,943 SH   SOLE 0 0 0 2,943
ISHARES INC CORE MSCI EMKT 46434G103   466,858 8,132 SH   SOLE 0 0 0 8,132
ISHARES INC MSCI EMRG CHN 46434G764   309,399 5,063 SH   SOLE 0 0 0 5,063
ISHARES INC MSCI EMERG MRKT 464286533   375,071 5,982 SH   SOLE 0 0 0 5,982
ISHARES TR 0-5YR HI YL CP 46434V407   928,797 21,391 SH   SOLE 0 0 0 21,391
ISHARES TR 0-5YR INVT GR CP 46434V100   5,616,187 111,366 SH   SOLE 0 0 0 111,366
ISHARES TR 1 3 YR TREAS BD 464287457   4,585,223 55,144 SH   SOLE 0 0 0 55,144
ISHARES TR 20 YR TR BD ETF 464287432   877,798 8,948 SH   SOLE 0 0 0 8,948
ISHARES TR BLACKROCK ULTRA 46434V878   439,763 8,667 SH   SOLE 0 0 0 8,667
ISHARES TR USD INV GRDE ETF 464288620   600,095 11,413 SH   SOLE 0 0 0 11,413
ISHARES TR CONV BD ETF 46435G102   356,099 4,256 SH   SOLE 0 0 0 4,256
ISHARES TR CORE DIV GRWTH 46434V621   429,677 6,854 SH   SOLE 0 0 0 6,854
ISHARES TR CORE S&P500 ETF 464287200   4,144,451 7,185 SH   SOLE 0 0 0 7,185
ISHARES TR CORE S&P SCP ETF 464287804   203,978 1,744 SH   SOLE 0 0 0 1,744
ISHARES TR CORE TOTAL USD 46434V613   6,459,021 137,076 SH   SOLE 0 0 0 137,076
ISHARES TR ESG AWR MSCI USA 46435G425   325,418 2,579 SH   SOLE 0 0 0 2,579
ISHARES TR IBONDS 24 TRM HG 46435U184   216,876 9,312 SH   SOLE 0 0 0 9,312
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,562,616 61,984 SH   SOLE 0 0 0 61,984
ISHARES TR IBONDS 24 TRM TS 46436E874   266,760 11,115 SH   SOLE 0 0 0 11,115
ISHARES TR IBONDS DEC25 ETF 46434VBD1   4,635,091 184,665 SH   SOLE 0 0 0 184,665
ISHARES TR IBONDS DEC2026 46435GAA0   387,463 15,945 SH   SOLE 0 0 0 15,945
ISHARES TR IBONDS 27 ETF 46435UAA9   474,751 19,481 SH   SOLE 0 0 0 19,481
ISHARES TR IBONDS DEC 26 46435U259   278,433 10,853 SH   SOLE 0 0 0 10,853
ISHARES TR IBOXX INV CP ETF 464287242   2,278,580 20,168 SH   SOLE 0 0 0 20,168
ISHARES TR INTL SEL DIV ETF 464288448   365,873 12,103 SH   SOLE 0 0 0 12,103
ISHARES TR INVESTMENT GRADE 46435G219   528,317 11,369 SH   SOLE 0 0 0 11,369
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,678,297 16,663 SH   SOLE 0 0 0 16,663
ISHARES TR JPMORGAN USD EMG 464288281   1,511,878 16,156 SH   SOLE 0 0 0 16,156
ISHARES TR MBS ETF 464288588   1,946,571 20,317 SH   SOLE 0 0 0 20,317
ISHARES TR MSCI EAFE ETF 464287465   639,267 7,644 SH   SOLE 0 0 0 7,644
ISHARES TR EAFE GRWTH ETF 464288885   680,240 6,319 SH   SOLE 0 0 0 6,319
ISHARES TR EAFE VALUE ETF 464288877   897,410 15,599 SH   SOLE 0 0 0 15,599
ISHARES TR MSCI USA MIN VOL 46429B697   730,753 8,003 SH   SOLE 0 0 0 8,003
ISHARES TR MSCI USA QLT FCT 46432F339   3,770,141 21,027 SH   SOLE 0 0 0 21,027
ISHARES TR MSCI USA VALUE 46432F388   296,261 2,717 SH   SOLE 0 0 0 2,717
ISHARES TR S&P 500 GRWT ETF 464287309   2,694,022 28,136 SH   SOLE 0 0 0 28,136
ISHARES TR S&P 500 VAL ETF 464287408   466,109 2,364 SH   SOLE 0 0 0 2,364
ISHARES TR SELECT DIVID ETF 464287168   1,074,751 7,957 SH   SOLE 0 0 0 7,957
ISHARES TR SHORT TREAS BD 464288679   7,249,694 65,531 SH   SOLE 0 0 0 65,531
ISHARES TR TRS FLT RT BD 46434V860   201,894 3,990 SH   SOLE 0 0 0 3,990
ISHARES TR US HLTHCARE ETF 464287762   458,575 7,055 SH   SOLE 0 0 0 7,055
ISHARES TR U.S. TECH ETF 464287721   904,110 5,963 SH   SOLE 0 0 0 5,963
ISHARES TR US TREAS BD ETF 46429B267   1,201,882 51,253 SH   SOLE 0 0 0 51,253
JOHNSON & JOHNSON COM 478160104   251,193 1,550 SH   SOLE 0 0 0 1,550
JPMORGAN CHASE & CO. COM 46625H100   323,248 1,533 SH   SOLE 0 0 0 1,533
MASTERCARD INCORPORATED CL A 57636Q104   683,913 1,385 SH   SOLE 0 0 0 1,385
MERCADOLIBRE INC COM 58733R102   203,144 99 SH   SOLE 0 0 0 99
MERCK & CO INC COM 58933Y105   244,381 2,152 SH   SOLE 0 0 0 2,152
META PLATFORMS INC CL A 30303M102   1,069,890 1,869 SH   SOLE 0 0 0 1,869
MICRON TECHNOLOGY INC COM 595112103   307,189 2,962 SH   SOLE 0 0 0 2,962
MICROSOFT CORP COM 594918104   1,557,686 3,620 SH   SOLE 0 0 0 3,620
MONDELEZ INTL INC CL A 609207105   216,810 2,943 SH   SOLE 0 0 0 2,943
NETFLIX INC COM 64110L106   293,637 414 SH   SOLE 0 0 0 414
NVIDIA CORPORATION COM 67066G104   1,037,583 8,544 SH   SOLE 0 0 0 8,544
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   698,687 6,939 SH   SOLE 0 0 0 6,939
PROLOGIS INC. COM 74340W103   230,966 1,829 SH   SOLE 0 0 0 1,829
QUALCOMM INC COM 747525103   216,643 1,274 SH   SOLE 0 0 0 1,274
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,024,747 66,742 SH   SOLE 0 0 0 66,742
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,379,744 19,400 SH   SOLE 0 0 0 19,400
SERVICENOW INC COM 81762P102   205,709 230 SH   SOLE 0 0 0 230
SOUTHWEST AIRLS CO COM 844741108   222,225 7,500 SH   SOLE 0 0 0 7,500
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,463,789 6,037 SH   SOLE 0 0 0 6,037
SPDR SER TR BLOOMBERG HIGH Y 78468R622   262,663 2,686 SH   SOLE 0 0 0 2,686
SPDR SER TR PORT MTG BK ETF 78464A383   207,884 9,227 SH   SOLE 0 0 0 9,227
SPDR SER TR PRTFLO S&P500 HI 78468R788   246,418 5,398 SH   SOLE 0 0 0 5,398
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,791,979 35,640 SH   SOLE 0 0 0 35,640
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,816,240 3,442 SH   SOLE 0 0 0 3,442
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   681,326 3,440 SH   SOLE 0 0 0 3,440
VISA INC COM CL A 92826C839   1,057,732 3,847 SH   SOLE 0 0 0 3,847
WALMART INC COM 931142103   408,837 5,063 SH   SOLE 0 0 0 5,063
WISDOMTREE TR INDIA ERNGS FD 97717W422   328,191 6,504 SH   SOLE 0 0 0 6,504
WISDOMTREE TR YIELD ENHANCD US 97717X511   376,592 8,423 SH   SOLE 0 0 0 8,423