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
ALTRIA GROUP INC COM 02209S103   225,444 5,168 SH   SOLE   0 0 5,168
AMAZON COM INC COM 023135106   238,282 1,321 SH   SOLE   0 0 1,321
APPLE INC COM 037833100   4,972,704 28,999 SH   SOLE   0 0 28,999
AUTOMATIC DATA PROCESSING IN COM 053015103   274,714 1,100 SH   SOLE   0 0 1,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   961,607 2,287 SH   SOLE   0 0 2,287
BLACKSTONE INC COM 09260D107   203,624 1,550 SH   SOLE   0 0 1,550
CANADIAN NATL RY CO COM 136375102   210,736 1,600 SH   SOLE   0 0 1,600
CHEVRON CORP NEW COM 166764100   678,160 4,299 SH   SOLE   0 0 4,299
COCA COLA CO COM 191216100   208,012 3,400 SH   SOLE   0 0 3,400
EDWARDS LIFESCIENCES CORP COM 28176E108   288,591 3,020 SH   SOLE   0 0 3,020
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   320,420 20,370 SH   SOLE   0 0 20,370
EXXON MOBIL CORP COM 30231G102   2,168,800 18,658 SH   SOLE   0 0 18,658
FATHOM HOLDINGS INC COM 31189V109   43,780 22,000 SH   SOLE   0 0 22,000
FISKER INC CL A COM STK 33813J106   248 12,000 SH   SOLE   0 0 12,000
GOLDMAN SACHS GROUP INC COM 38141G104   217,803 521 SH   SOLE   0 0 521
INTEL CORP COM 458140100   353,360 8,000 SH   SOLE   0 0 8,000
INTUIT COM 461202103   822,250 1,265 SH   SOLE   0 0 1,265
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   773,739 6,736 SH   SOLE   0 0 6,736
ISHARES INC JP MRG EM CRP BD 464286251   16,453,021 369,897 SH   SOLE   0 0 369,897
ISHARES TR MSCI EMG MKT ETF 464287234   252,647 6,150 SH   SOLE   0 0 6,150
ISHARES TR RUS 1000 GRW ETF 464287614   252,269 748 SH   SOLE   0 0 748
ISHARES TR RUS 1000 ETF 464287622   23,681,195 82,218 SH   SOLE   0 0 82,218
ISHARES TR NATIONAL MUN ETF 464288414   433,198 4,026 SH   SOLE   0 0 4,026
JPMORGAN CHASE & CO COM 46625H100   314,471 1,570 SH   SOLE   0 0 1,570
JOHNSON & JOHNSON COM 478160104   284,267 1,797 SH   SOLE   0 0 1,797
MICROSOFT CORP COM 594918104   1,454,920 3,458 SH   SOLE   0 0 3,458
NVIDIA CORPORATION COM 67066G104   220,570 244 SH   SOLE   0 0 244
PROCTER AND GAMBLE CO COM 742718109   285,613 1,760 SH   SOLE   0 0 1,760
SPDR GOLD TR GOLD SHS 78463V107   19,459,055 94,590 SH   SOLE   0 0 94,590
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   2,105,985 35,288 SH   SOLE   0 0 35,288
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   214,185 3,508 SH   SOLE   0 0 3,508
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   466,797 18,487 SH   SOLE   0 0 18,487
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   30,690,612 786,535 SH   SOLE   0 0 786,535
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   10,260,461 286,605 SH   SOLE   0 0 286,605
SELECT SECTOR SPDR TR ENERGY 81369Y506   6,640,046 70,332 SH   SOLE   0 0 70,332
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   6,990,167 165,958 SH   SOLE   0 0 165,958
TESLA INC COM 88160R101   734,248 4,177 SH   SOLE   0 0 4,177
UBER TECHNOLOGIES INC COM 90353T100   458,552 5,956 SH   SOLE   0 0 5,956
UNION PAC CORP COM 907818108   268,310 1,091 SH   SOLE   0 0 1,091
UNITED AIRLS HLDGS INC COM 910047109   245,864 5,135 SH   SOLE   0 0 5,135
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   29,271,532 241,933 SH   SOLE   0 0 241,933
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   33,026,343 188,431 SH   SOLE   0 0 188,431
VISA INC COM CL A 92826C839   722,595 2,589 SH   SOLE   0 0 2,589
WARNER BROS DISCOVERY INC COM SER A 934423104   261,071 29,905 SH   SOLE   0 0 29,905