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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR NATIONAL MUN ETF 464288414 291 2,484 SH   SOLE   0 0 2,484
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,188 9,784 SH   SOLE   0 0 9,784
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,663 14,984 SH   SOLE   0 0 14,984
ISHARES TR MSCI USA SMCP MN 46435G433 558 14,681 SH   SOLE   0 0 14,681
PEPSICO INC COM 713448108 445 3,000 SH   SOLE   0 0 3,000
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 4,842 102,757 SH   SOLE   0 0 102,757
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 911 17,674 SH   SOLE   0 0 17,674
AMAZON COM INC COM 023135106 217 63 SH   SOLE   0 0 63
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 299 9,256 SH   SOLE   0 0 9,256
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 655 2,221 SH   SOLE   0 0 2,221
APPLE INC COM 037833100 10,916 79,700 SH   SOLE   0 0 79,700
ISHARES TR MSCI USA QLT FCT 46432F339 33,156 249,537 SH   SOLE   0 0 249,537
ISHARES TR MSCI USA MIN VOL 46429B697 31,301 425,225 SH   SOLE   0 0 425,225
ISHARES TR U.S. MED DVC ETF 464288810 9,485 26,270 SH   SOLE   0 0 26,270
PHILIP MORRIS INTL INC COM 718172109 431 4,350 SH   SOLE   0 0 4,350
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 269 3,277 SH   SOLE   0 0 3,277
PROCTER AND GAMBLE CO COM 742718109 497 3,686 SH   SOLE   0 0 3,686
MODERNA INC COM 60770K107 669 2,846 SH   SOLE   0 0 2,846
MANHATTAN BRDG CAP INC COM 562803106 2,006 255,505 SH   SOLE   0 0 255,505
ISHARES TR CORE TOTAL USD 46434V613 22,607 422,639 SH   SOLE   0 0 422,639
ISHARES INC ESG AWR MSCI EM 46434G863 5,928 131,293 SH   SOLE   0 0 131,293
JPMORGAN CHASE & CO COM 46625H100 226 1,455 SH   SOLE   0 0 1,455
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 12,222 117,214 SH   SOLE   0 0 117,214
ISHARES TR US TREAS BD ETF 46429B267 27,121 1,019,571 SH   SOLE   0 0 1,019,571
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 1,741 29,344 SH   SOLE   0 0 29,344
ISHARES TR CORE MSCI TOTAL 46432F834 5,793 79,029 SH   SOLE   0 0 79,029
ISHARES TR CORE S&P SCP ETF 464287804 1,150 10,181 SH   SOLE   0 0 10,181
ISHARES TR RUSSELL 3000 ETF 464287689 7,945 31,047 SH   SOLE   0 0 31,047
SPDR SER TR S&P 600 SMCP VAL 78464A300 347 4,047 SH   SOLE   0 0 4,047
AFFIRM HLDGS INC COM CL A 00827B106 202 3,000 SH   SOLE   0 0 3,000
J P MORGAN EXCHANGE-TRADED F US QUALTY FCTR 46641Q761 3,101 75,808 SH   SOLE   0 0 75,808
ISHARES TR FLTG RATE NT ETF 46429B655 332 6,533 SH   SOLE   0 0 6,533
SPDR SER TR PORTFOLIO LN TSR 78464A664 25,365 614,168 SH   SOLE   0 0 614,168
VANGUARD INDEX FDS VALUE ETF 922908744 25,157 183,010 SH   SOLE   0 0 183,010
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,854 6,670 SH   SOLE   0 0 6,670
ISHARES TR BARCLAYS 7 10 YR 464287440 587 5,080 SH   SOLE   0 0 5,080
ISHARES INC CORE MSCI EMKT 46434G103 371 5,531 SH   SOLE   0 0 5,531
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 752 7,383 SH   SOLE   0 0 7,383
ISHARES TR 3 7 YR TREAS BD 464288661 4,801 36,780 SH   SOLE   0 0 36,780
VANGUARD INDEX FDS MID CAP ETF 922908629 570 2,402 SH   SOLE   0 0 2,402
ISHARES TR IBOXX INV CP ETF 464287242 3,675 27,352 SH   SOLE   0 0 27,352
ISHARES TR U.S. FIN SVC ETF 464287770 517 2,791 SH   SOLE   0 0 2,791
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,060 52,219 SH   SOLE   0 0 52,219
ISHARES TR CORE S&P TTL STK 464287150 683 6,913 SH   SOLE   0 0 6,913
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 230 929 SH   SOLE   0 0 929
CLEAN ENERGY FUELS CORP COM 184499101 102 10,000 SH   SOLE   0 0 10,000
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,388 63,489 SH   SOLE   0 0 63,489
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,861 46,977 SH   SOLE   0 0 46,977
VANGUARD INDEX FDS SMALL CP ETF 922908751 23,069 102,402 SH   SOLE   0 0 102,402
ALTRIA GROUP INC COM 02209S103 258 5,415 SH   SOLE   0 0 5,415
HOME DEPOT INC COM 437076102 419 1,313 SH   SOLE   0 0 1,313
ISHARES TR IBOXX HI YD ETF 464288513 3,968 45,075 SH   SOLE   0 0 45,075
VANGUARD INDEX FDS TOTAL STK MKT 922908769 471 2,116 SH   SOLE   0 0 2,116
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 2,158 24,612 SH   SOLE   0 0 24,612
ISHARES TR CORE US AGGBD ET 464287226 1,525 13,226 SH   SOLE   0 0 13,226
ISHARES TR USD INV GRDE ETF 464288620 3,869 63,858 SH   SOLE   0 0 63,858
VANGUARD WORLD FDS MATERIALS ETF 92204A801 409 2,263 SH   SOLE   0 0 2,263
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 657 7,143 SH   SOLE   0 0 7,143
COCA COLA CO COM 191216100 400 7,400 SH   SOLE   0 0 7,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,090 28,182 SH   SOLE   0 0 28,182
INVESCO QQQ TR UNIT SER 1 46090E103 594 1,676 SH   SOLE   0 0 1,676
TESLA INC COM 88160R101 218 321 SH   SOLE   0 0 321
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,834 82,630 SH   SOLE   0 0 82,630
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108 523 25,771 SH   SOLE   0 0 25,771
MICROSOFT CORP COM 594918104 1,238 4,571 SH   SOLE   0 0 4,571
ISHARES TR CORE S&P MCP ETF 464287507 491 1,825 SH   SOLE   0 0 1,825
ISHARES TR S&P 500 VAL ETF 464287408 2,994 20,276 SH   SOLE   0 0 20,276
ISHARES TR CORE MSCI EAFE 46432F842 11,366 151,826 SH   SOLE   0 0 151,826
J P MORGAN EXCHANGE-TRADED F US AGGREGATE ETF 46641Q241 11,490 210,979 SH   SOLE   0 0 210,979
ISHARES TR FALN ANGLS USD 46435G474 24,694 824,234 SH   SOLE   0 0 824,234
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 269 5,287 SH   SOLE   0 0 5,287
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 13,273 232,610 SH   SOLE   0 0 232,610
ISHARES TR MSCI INTL MOMENT 46434V449 2,603 67,306 SH   SOLE   0 0 67,306
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 7,215 142,204 SH   SOLE   0 0 142,204
ALPHABET INC CAP STK CL C 02079K107 519 207 SH   SOLE   0 0 207
ISHARES TR 20 YR TR BD ETF 464287432 893 6,183 SH   SOLE   0 0 6,183
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 207 4,026 SH   SOLE   0 0 4,026
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 203 3,738 SH   SOLE   0 0 3,738
ISHARES TR EAFE VALUE ETF 464288877 24,149 466,560 SH   SOLE   0 0 466,560
ISHARES TR ISHS 1-5YR INVS 464288646 548 10,004 SH   SOLE   0 0 10,004
EMERSON ELEC CO COM 291011104 289 3,000 SH   SOLE   0 0 3,000
J & J SNACK FOODS CORP COM 466032109 336 1,924 SH   SOLE   0 0 1,924
INTUIT COM 461202103 380 776 SH   SOLE   0 0 776
ISHARES TR GLOBAL TECH ETF 464287291 4,065 12,045 SH   SOLE   0 0 12,045
ISHARES TR CORE S&P500 ETF 464287200 20,502 47,688 SH   SOLE   0 0 47,688
SONOS INC COM 83570H108 218 6,200 SH   SOLE   0 0 6,200
AXOS FINANCIAL INC COM 05465C100 205 4,421 SH   SOLE   0 0 4,421
ISHARES TR EAFE GRWTH ETF 464288885 37,451 349,092 SH   SOLE   0 0 349,092
ISHARES TR MSCI USA MMENTM 46432F396 26,405 152,250 SH   SOLE   0 0 152,250
JOHNSON & JOHNSON COM 478160104 391 2,375 SH   SOLE   0 0 2,375
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 697 13,890 SH   SOLE   0 0 13,890
ISHARES TR 0-5YR HI YL CP 46434V407 347 7,532 SH   SOLE   0 0 7,532