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
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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   244,116 3,383 SH   SOLE   0 0 3,383
SPDR SER TR S&P 400 MDCP VAL 78464A839   391,115 5,330 SH   SOLE   0 0 5,330
ISHARES TR RUS 1000 GRW ETF 464287614   1,746,259 5,760 SH   SOLE   0 0 5,760
ISHARES TR RUS MD CP GR ETF 464287481   247,675 2,371 SH   SOLE   0 0 2,371
ALPHABET INC CAP STK CL C 02079K107   3,324,680 23,591 SH   SOLE   0 0 23,591
MICROSOFT CORP COM 594918104   3,827,627 10,179 SH   SOLE   0 0 10,179
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,314,922 5,245 SH   SOLE   0 0 5,245
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,979,031 25,995 SH   SOLE   0 0 25,995
ISHARES TR US TREAS BD ETF 46429B267   9,857,116 427,826 SH   SOLE   0 0 427,826
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,987,194 16,808 SH   SOLE   0 0 16,808
ISHARES TR MSCI USA MMENTM 46432F396   1,495,162 9,530 SH   SOLE   0 0 9,530
BROADCOM INC COM 11135F101   206,506 185 SH   SOLE   0 0 185
HOME DEPOT INC COM 437076102   671,273 1,937 SH   SOLE   0 0 1,937
ISHARES TR CORE S&P500 ETF 464287200   920,995 1,928 SH   SOLE   0 0 1,928
ISHARES INC MSCI EMERG MRKT 464286533   356,991 6,422 SH   SOLE   0 0 6,422
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   345,604 969 SH   SOLE   0 0 969
ATI INC COM 01741R102   353,711 7,779 SH   SOLE   0 0 7,779
CURTISS WRIGHT CORP COM 231561101   483,677 2,171 SH   SOLE   0 0 2,171
WALMART INC COM 931142103   284,086 1,802 SH   SOLE   0 0 1,802
SPDR SER TR PRTFLO S&P500 GW 78464A409   15,278,824 234,842 SH   SOLE   0 0 234,842
COSTAR GROUP INC COM 22160N109   312,681 3,578 SH   SOLE   0 0 3,578
ISHARES TR CORE US AGGBD ET 464287226   4,379,803 44,129 SH   SOLE   0 0 44,129
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   729,105 1,437 SH   SOLE   0 0 1,437
AMAZON COM INC COM 023135106   619,004 4,074 SH   SOLE   0 0 4,074
ISHARES TR CORE S&P SCP ETF 464287804   6,982,472 64,503 SH   SOLE   0 0 64,503
SEMPRA COM 816851109   3,579,567 47,900 SH   SOLE   0 0 47,900
TESLA INC COM 88160R101   699,223 2,814 SH   SOLE   0 0 2,814
INVESCO QQQ TR UNIT SER 1 46090E103   2,326,484 5,681 SH   SOLE   0 0 5,681
COSTCO WHSL CORP NEW COM 22160K105   515,394 781 SH   SOLE   0 0 781
ISHARES TR RUS MID CAP ETF 464287499   11,012,553 141,677 SH   SOLE   0 0 141,677
NVIDIA CORPORATION COM 67066G104   227,459 459 SH   SOLE   0 0 459
HOMESTREET INC COM 43785V102   1,829,744 177,645 SH   SOLE   0 0 177,645
VANGUARD WORLD FDS INF TECH ETF 92204A702   356,001 736 SH   SOLE   0 0 736
PFIZER INC COM 717081103   225,138 7,820 SH   SOLE   0 0 7,820
ISHARES TR GLOBAL ENERG ETF 464287341   289,649 7,406 SH   SOLE   0 0 7,406
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   11,922,713 322,584 SH   SOLE   0 0 322,584
VANGUARD INDEX FDS SML CP GRW ETF 922908595   480,639 1,988 SH   SOLE   0 0 1,988
AXOS FINANCIAL INC COM 05465C100   546,601 10,011 SH   SOLE   0 0 10,011
TELEDYNE TECHNOLOGIES INC COM 879360105   233,856 524 SH   SOLE   0 0 524
PROCTER AND GAMBLE CO COM 742718109   1,906,925 13,013 SH   SOLE   0 0 13,013
SPDR SER TR PORTFOLIO S&P500 78464A854   38,162,017 682,684 SH   SOLE   0 0 682,684
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,387,218 42,327 SH   SOLE   0 0 42,327
ISHARES TR MSCI USA MIN VOL 46429B697   1,288,900 16,518 SH   SOLE   0 0 16,518
ISHARES TR RUS 2000 VAL ETF 464287630   235,791 1,518 SH   SOLE   0 0 1,518
ALPHABET INC CAP STK CL A 02079K305   311,369 2,229 SH   SOLE   0 0 2,229
ISHARES TR DOW JONES US ETF 464287846   386,180 3,314 SH   SOLE   0 0 3,314
QUALCOMM INC COM 747525103   541,440 3,744 SH   SOLE   0 0 3,744
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,869,904 3,934 SH   SOLE   0 0 3,934
ISHARES TR S&P 500 GRWT ETF 464287309   1,994,420 26,557 SH   SOLE   0 0 26,557
XCEL ENERGY INC COM 98389B100   234,267 3,784 SH   SOLE   0 0 3,784
ISHARES TR CORE S&P MCP ETF 464287507   1,903,819 6,869 SH   SOLE   0 0 6,869
APPLE INC COM 037833100   1,994,587 10,360 SH   SOLE   0 0 10,360
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   247,726 567 SH   SOLE   0 0 567
CATERPILLAR INC COM 149123101   920,421 3,113 SH   SOLE   0 0 3,113