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
ABBVIE INC COM 00287Y109   467,749 2,935 SH   SOLE   2,934 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   449,341 1,166 SH   SOLE   1,166 0 0
ADVANCED MICRO DEVICES INC COM 007903107   711,698 7,261 SH   SOLE   7,261 0 0
ALPHABET INC CAP STK CL C 02079K107   817,752 7,863 SH   SOLE   7,863 0 0
ALPHABET INC CAP STK CL A 02079K305   1,331,540 12,837 SH   SOLE   12,836 0 0
AMAZON COM INC COM 023135106   3,843,612 37,212 SH   SOLE   37,211 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,028,991 54,402 SH   SOLE   54,401 0 0
AMGEN INC COM 031162100   4,168,012 17,241 SH   SOLE   17,241 0 0
APPLE INC COM 037833100   9,837,133 59,655 SH   SOLE   59,655 0 0
ARK ETF TR INNOVATION ETF 00214Q104   334,583 8,294 SH   SOLE   8,294 0 0
BANK AMERICA CORP COM 060505104   294,291 10,290 SH   SOLE   10,289 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,431,661 4,637 SH   SOLE   4,636 0 0
BLACKSTONE INC COM 09260D107   431,909 4,917 SH   SOLE   4,917 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   210,079 3,031 SH   SOLE   3,031 0 0
BROADCOM INC COM 11135F101   283,614 442 SH   SOLE   442 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   8,446,346 143,890 SH   SOLE   143,890 0 0
CHEVRON CORP NEW COM 166764100   518,831 3,180 SH   SOLE   3,179 0 0
CISCO SYS INC COM 17275R102   260,136 4,976 SH   SOLE   4,976 0 0
COCA COLA CO COM 191216100   464,282 7,485 SH   SOLE   7,484 0 0
COLGATE PALMOLIVE CO COM 194162103   2,203,398 29,320 SH   SOLE   29,320 0 0
COMCAST CORP NEW CL A 20030N101   299,451 7,899 SH   SOLE   7,899 0 0
CONSOLIDATED EDISON INC COM 209115104   289,796 3,029 SH   SOLE   3,029 0 0
COSTCO WHSL CORP NEW COM 22160K105   359,237 723 SH   SOLE   723 0 0
CVS HEALTH CORP COM 126650100   248,172 3,340 SH   SOLE   3,339 0 0
DEXCOM INC COM 252131107   270,467 2,328 SH   SOLE   2,328 0 0
DISNEY WALT CO COM 254687106   377,178 3,767 SH   SOLE   3,766 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   357,244 3,703 SH   SOLE   3,703 0 0
EA SERIES TRUST INTL QUAN VALUE 02072L201   21,685,296 924,486 SH   SOLE   924,485 0 0
EA SERIES TRUST SPARKLINE INTANG 02072L771   8,493,943 378,120 SH   SOLE   378,120 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409   8,596,649 190,714 SH   SOLE   190,714 0 0
EMERSON ELEC CO COM 291011104   237,892 2,730 SH   SOLE   2,730 0 0
EQUINIX INC COM 29444U700   2,596,465 3,601 SH   SOLE   3,601 0 0
EXELA TECHNOLOGIES INC COM 30162V706   425 10,926 SH   SOLE   10,926 0 0
EXXON MOBIL CORP COM 30231G102   718,798 6,555 SH   SOLE   6,554 0 0
GILEAD SCIENCES INC COM 375558103   278,501 3,357 SH   SOLE   3,356 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   226,692 693 SH   SOLE   693 0 0
GRAN TIERRA ENERGY INC COM 38500T101   9,481 10,785 SH   SOLE   10,785 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100   255,706 6,659 SH   SOLE   6,659 0 0
HOME DEPOT INC COM 437076102   505,099 1,712 SH   SOLE   1,711 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   278,973 1,092 SH   SOLE   1,092 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   3,095,613 176,791 SH   SOLE   176,791 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   385,042 16,347 SH   SOLE   16,346 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   868,752 41,212 SH   SOLE   41,212 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   435,443 21,472 SH   SOLE   21,471 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   639,133 31,041 SH   SOLE   31,040 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   669,242 4,628 SH   SOLE   4,627 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,703,012 5,306 SH   SOLE   5,306 0 0
ISHARES TR NEW YORK MUN ETF 464288323   681,985 12,745 SH   SOLE   12,745 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,936,556 31,260 SH   SOLE   31,259 0 0
ISHARES TR CORE S&P US GWT 464287671   281,326 3,169 SH   SOLE   3,169 0 0
ISHARES TR CORE MSCI EAFE 46432F842   9,066,342 135,622 SH   SOLE   135,622 0 0
ISHARES TR CORE S&P SCP ETF 464287804   2,811,981 29,079 SH   SOLE   29,079 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   592,556 15,017 SH   SOLE   15,016 0 0
ISHARES TR RUS TP200 GR ETF 464289438   295,365 2,126 SH   SOLE   2,126 0 0
ISHARES TR MSCI KLD400 SOC 464288570   639,083 8,194 SH   SOLE   8,194 0 0
ISHARES TR CORE S&P500 ETF 464287200   9,294,413 22,610 SH   SOLE   22,609 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   824,564 7,877 SH   SOLE   7,877 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   651,643 6,136 SH   SOLE   6,136 0 0
ISHARES TR RUS MD CP GR ETF 464287481   654,467 7,188 SH   SOLE   7,188 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,941,935 7,948 SH   SOLE   7,948 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   359,944 5,010 SH   SOLE   5,010 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,062,817 11,563 SH   SOLE   11,562 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,527,054 10,102 SH   SOLE   10,101 0 0
ISHARES TR NATIONAL MUN ETF 464288414   12,105,917 112,362 SH   SOLE   112,362 0 0
ISHARES TR EAFE GRWTH ETF 464288885   8,001,616 85,414 SH   SOLE   85,414 0 0
ISHARES TR CORE US AGGBD ET 464287226   897,063 9,003 SH   SOLE   9,003 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,325,062 27,304 SH   SOLE   27,303 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   254,714 1,082 SH   SOLE   1,082 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   962,369 18,948 SH   SOLE   18,948 0 0
JOHNSON & JOHNSON COM 478160104   1,130,489 7,293 SH   SOLE   7,293 0 0
JPMORGAN CHASE & CO COM 46625H100   1,190,705 9,137 SH   SOLE   9,137 0 0
LILLY ELI & CO COM 532457108   347,541 1,012 SH   SOLE   1,012 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,719,703 4,732 SH   SOLE   4,732 0 0
MCDONALDS CORP COM 580135101   527,909 1,888 SH   SOLE   1,888 0 0
MERCADOLIBRE INC COM 58733R102   201,663 153 SH   SOLE   153 0 0
MERCK & CO INC COM 58933Y105   380,867 3,580 SH   SOLE   3,579 0 0
META PLATFORMS INC CL A 30303M102   1,910,857 9,016 SH   SOLE   9,016 0 0
MICRON TECHNOLOGY INC COM 595112103   370,065 6,133 SH   SOLE   6,133 0 0
MICROSOFT CORP COM 594918104   6,108,432 21,188 SH   SOLE   21,187 0 0
NETFLIX INC COM 64110L106   232,048 672 SH   SOLE   671 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   254,871 8,881 SH   SOLE   8,880 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   661,090 11,860 SH   SOLE   11,860 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   388,414 10,160 SH   SOLE   10,159 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   213,402 6,027 SH   SOLE   6,026 0 0
NVIDIA CORPORATION COM 67066G104   1,893,818 6,818 SH   SOLE   6,817 0 0
PAYPAL HLDGS INC COM 70450Y103   53,158 700 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103   243,312 3,204 SH   SOLE   3,204 0 0
PEPSICO INC COM 713448108   378,727 2,077 SH   SOLE   2,077 0 0
PFIZER INC COM 717081103   784,951 19,239 SH   SOLE   19,238 0 0
PROCTER AND GAMBLE CO COM 742718109   988,751 6,650 SH   SOLE   6,649 0 0
PROLOGIS INC. COM 74340W103   223,214 1,789 SH   SOLE   1,789 0 0
SALESFORCE INC COM 79466L302   341,824 1,711 SH   SOLE   1,711 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,110,730 119,539 SH   SOLE   119,539 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   263,643 10,752 SH   SOLE   10,752 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,813,362 162,494 SH   SOLE   162,493 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,977,592 191,379 SH   SOLE   191,379 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   15,395,705 236,239 SH   SOLE   236,239 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,491,625 34,057 SH   SOLE   34,057 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   319,712 12,273 SH   SOLE   12,273 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   354,800 7,415 SH   SOLE   7,414 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,537,604 532,690 SH   SOLE   532,689 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,766,199 346,624 SH   SOLE   346,623 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   603,536 9,203 SH   SOLE   9,203 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   211,919 2,558 SH   SOLE   2,558 0 0
SERVICENOW INC COM 81762P102   453,102 975 SH   SOLE   975 0 0
SHOPIFY INC CL A 82509L107   401,929 8,384 SH   SOLE   8,384 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,117,648 5,173 SH   SOLE   5,172 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,870,313 4,080 SH   SOLE   4,080 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   13,147,760 525,070 SH   SOLE   525,070 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   1,073,997 24,442 SH   SOLE   24,442 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   11,590,285 247,550 SH   SOLE   247,549 0 0
SPDR SER TR S&P DIVID ETF 78464A763   338,965 2,740 SH   SOLE   2,740 0 0
TESLA INC COM 88160R101   3,574,280 17,229 SH   SOLE   17,228 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   266,006 462 SH   SOLE   461 0 0
TRACTOR SUPPLY CO COM 892356106   225,168 958 SH   SOLE   958 0 0
UBER TECHNOLOGIES INC COM 90353T100   472,393 14,902 SH   SOLE   14,902 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,151,022 4,552 SH   SOLE   4,551 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   9,052,586 174,963 SH   SOLE   174,963 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   567,693 7,689 SH   SOLE   7,689 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   334,003 6,828 SH   SOLE   6,827 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   44,707,545 219,047 SH   SOLE   219,047 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,295,531 12,110 SH   SOLE   12,109 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,264,326 15,477 SH   SOLE   15,476 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,759,288 4,678 SH   SOLE   4,678 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,073,933 8,010 SH   SOLE   8,010 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   3,605,994 14,456 SH   SOLE   14,456 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   493,851 2,534 SH   SOLE   2,534 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,432,969 28,286 SH   SOLE   28,286 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   526,689 3,420 SH   SOLE   3,419 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,215,950 58,249 SH   SOLE   58,249 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,540,041 56,233 SH   SOLE   56,232 0 0
VEEVA SYS INC CL A COM 922475108   211,359 1,150 SH   SOLE   1,150 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   219,552 5,645 SH   SOLE   5,645 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   226,787 720 SH   SOLE   719 0 0
VISA INC COM CL A 92826C839   157,822 700 SH Put SOLE   0 0 0
VISA INC COM CL A 92826C839   1,697,442 7,529 SH   SOLE   7,528 0 0
WALMART INC COM 931142103   348,883 2,366 SH   SOLE   2,366 0 0
WASTE MGMT INC DEL COM 94106L109   245,580 1,505 SH   SOLE   1,505 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   449,091 16,131 SH   SOLE   16,131 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307   22,265,127 359,928 SH   SOLE   359,927 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   2,638,978 77,915 SH   SOLE   77,914 0 0
WISDOMTREE TR GLB US QTLY DIV 97717W844   277,163 7,814 SH   SOLE   7,814 0 0