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
SPDR SER TR BBG CONV SEC ETF 78464A359   236,673 3,383 SH   SOLE   0 0 3,383
ISHARES TR RUS 1000 GRW ETF 464287614   1,610,353 5,852 SH   SOLE   0 0 5,852
SPDR SER TR S&P OILGAS EXP 78468R556   220,428 1,711 SH   SOLE   0 0 1,711
ALPHABET INC CAP STK CL C 02079K107   2,885,014 23,849 SH   SOLE   0 0 23,849
ISHARES TR RUS MD CP GR ETF 464287481   208,721 2,160 SH   SOLE   0 0 2,160
VERITONE INC COM 92347M100   70,560 18,000 SH   SOLE   0 0 18,000
MICROSOFT CORP COM 594918104   7,025,483 20,630 SH   SOLE   0 0 20,630
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,284,081 5,245 SH   SOLE   0 0 5,245
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   17,699,512 243,728 SH   SOLE   0 0 243,728
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,539,704 25,148 SH   SOLE   0 0 25,148
ISHARES TR MSCI USA MMENTM 46432F396   1,396,629 9,682 SH   SOLE   0 0 9,682
HOME DEPOT INC COM 437076102   603,528 1,943 SH   SOLE   0 0 1,943
GOLDMAN SACHS BDC INC SHS 38147U107   287,553 20,747 SH   SOLE   0 0 20,747
ISHARES TR CORE S&P500 ETF 464287200   848,863 1,905 SH   SOLE   0 0 1,905
ISHARES INC MSCI EMERG MRKT 464286533   4,177,241 75,977 SH   SOLE   0 0 75,977
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   301,103 883 SH   SOLE   0 0 883
CURTISS WRIGHT CORP COM 231561101   419,296 2,283 SH   SOLE   0 0 2,283
ATI INC COM 01741R102   388,295 8,779 SH   SOLE   0 0 8,779
WALMART INC COM 931142103   434,682 2,766 SH   SOLE   0 0 2,766
SPDR SER TR PRTFLO S&P500 GW 78464A409   15,708,069 257,467 SH   SOLE   0 0 257,467
COSTAR GROUP INC COM 22160N109   318,442 3,578 SH   SOLE   0 0 3,578
VANGUARD INDEX FDS SMALL CP ETF 922908751   740,173 3,722 SH   SOLE   0 0 3,722
GENPREX INC COM 372446104   14,324 15,100 SH   SOLE   0 0 15,100
ISHARES TR BLACKROCK ULTRA 46434V878   4,339,942 86,281 SH   SOLE   0 0 86,281
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   688,194 1,437 SH   SOLE   0 0 1,437
AMAZON COM INC COM 023135106   695,862 5,338 SH   SOLE   0 0 5,338
ISHARES TR CORE S&P SCP ETF 464287804   6,604,032 66,272 SH   SOLE   0 0 66,272
PIMCO MUN INCOME FD III COM 72201A103   81,796 10,161 SH   SOLE   0 0 10,161
SEMPRA COM 816851109   3,486,881 23,950 SH   SOLE   0 0 23,950
TESLA INC COM 88160R101   777,195 2,969 SH   SOLE   0 0 2,969
INVESCO QQQ TR UNIT SER 1 46090E103   2,024,760 5,481 SH   SOLE   0 0 5,481
PIMCO MUN INCOME FD II COM 72200W106   209,222 23,144 SH   SOLE   0 0 23,144
COSTCO WHSL CORP NEW COM 22160K105   397,061 738 SH   SOLE   0 0 738
UNITEDHEALTH GROUP INC COM 91324P102   308,747 642 SH   SOLE   0 0 642
HOMESTREET INC COM 43785V102   1,240,394 209,526 SH   SOLE   0 0 209,526
NVIDIA CORPORATION COM 67066G104   202,333 478 SH   SOLE   0 0 478
VANGUARD WORLD FDS INF TECH ETF 92204A702   642,795 1,454 SH   SOLE   0 0 1,454
VANGUARD INDEX FDS GROWTH ETF 922908736   386,099 1,365 SH   SOLE   0 0 1,365
PFIZER INC COM 717081103   352,091 9,599 SH   SOLE   0 0 9,599
ISHARES TR GLOBAL ENERG ETF 464287341   279,969 7,522 SH   SOLE   0 0 7,522
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,613,138 269,653 SH   SOLE   0 0 269,653
VANGUARD INDEX FDS SML CP GRW ETF 922908595   456,723 1,988 SH   SOLE   0 0 1,988
JOHNSON & JOHNSON COM 478160104   529,186 3,197 SH   SOLE   0 0 3,197
AXOS FINANCIAL INC COM 05465C100   639,362 16,211 SH   SOLE   0 0 16,211
TELEDYNE TECHNOLOGIES INC COM 879360105   325,188 791 SH   SOLE   0 0 791
PROCTER AND GAMBLE CO COM 742718109   3,329,415 21,942 SH   SOLE   0 0 21,942
SPDR SER TR PORTFOLIO S&P500 78464A854   32,772,815 628,916 SH   SOLE   0 0 628,916
ISHARES TR MSCI USA MIN VOL 46429B697   1,252,386 16,849 SH   SOLE   0 0 16,849
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,341,046 44,702 SH   SOLE   0 0 44,702
ISHARES TR RUS 2000 VAL ETF 464287630   205,568 1,460 SH   SOLE   0 0 1,460
ALPHABET INC CAP STK CL A 02079K305   329,654 2,754 SH   SOLE   0 0 2,754
ISHARES TR DOW JONES US ETF 464287846   359,006 3,314 SH   SOLE   0 0 3,314
QUALCOMM INC COM 747525103   449,733 3,778 SH   SOLE   0 0 3,778
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,709,831 3,857 SH   SOLE   0 0 3,857
ISHARES TR S&P 500 GRWT ETF 464287309   1,873,230 26,578 SH   SOLE   0 0 26,578
ESSENTIAL UTILS INC COM 29670G102   280,727 7,034 SH   SOLE   0 0 7,034
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   287,710 4,066 SH   SOLE   0 0 4,066
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   243,764 20,906 SH   SOLE   0 0 20,906
KEMPER CORP COM 488401100   237,391 4,919 SH   SOLE   0 0 4,919
XCEL ENERGY INC COM 98389B100   331,615 5,334 SH   SOLE   0 0 5,334
ISHARES TR CORE S&P MCP ETF 464287507   12,727,514 48,675 SH   SOLE   0 0 48,675
APPLE INC COM 037833100   2,262,566 11,665 SH   SOLE   0 0 11,665
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   547,509 1,344 SH   SOLE   0 0 1,344
CATERPILLAR INC COM 149123101   767,922 3,121 SH   SOLE   0 0 3,121
CASSAVA SCIENCES INC COM 14817C107   213,888 8,723 SH   SOLE   0 0 8,723