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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE TOTAL USD 46434V613 33,655 756,467 SH   SOLE   0 0 756,467
ISHARES TR MSCI USA MIN VOL 46429B697 32,955 485,853 SH   SOLE   0 0 485,853
ISHARES TR MSCI USA QLT FCT 46432F339 31,543 289,387 SH   SOLE   0 0 289,387
ISHARES TR MSCI USA MMENTM 46432F396 22,845 166,311 SH   SOLE   0 0 166,311
ISHARES TR CORE S&P500 ETF 464287200 21,331 56,916 SH   SOLE   0 0 56,916
ISHARES TR EAFE VALUE ETF 464288877 21,310 536,907 SH   SOLE   0 0 536,907
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,906 55,125 SH   SOLE   0 0 55,125
J P MORGAN EXCHANGE TRADED F US AGGREGATE ETF 46641Q241 18,851 414,501 SH   SOLE   0 0 414,501
ISHARES TR EAFE GRWTH ETF 464288885 15,678 207,992 SH   SOLE   0 0 207,992
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,853 82,250 SH   SOLE   0 0 82,250
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 14,507 357,047 SH   SOLE   0 0 357,047
ISHARES INC MSCI EMERG MRKT 464286533 13,759 265,412 SH   SOLE   0 0 265,412
ISHARES TR FALN ANGLS USD 46435G474 13,717 565,185 SH   SOLE   0 0 565,185
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,721 266,640 SH   SOLE   0 0 266,640
ISHARES TR RUSSELL 3000 ETF 464287689 11,032 50,920 SH   SOLE   0 0 50,920
APPLE INC COM 037833100 10,134 69,683 SH   SOLE   0 0 69,683
SPDR SER TR PORTFOLIO LN TSR 78464A664 9,706 328,579 SH   SOLE   0 0 328,579
ISHARES INC MSCI EMERG MKT 46434G889 9,547 238,857 SH   SOLE   0 0 238,857
ISHARES TR CORE MSCI EAFE 46432F842 9,397 172,996 SH   SOLE   0 0 172,996
VANGUARD INDEX FDS VALUE ETF 922908744 9,389 73,083 SH   SOLE   0 0 73,083
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 9,080 72,485 SH   SOLE   0 0 72,485
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 8,376 228,423 SH   SOLE   0 0 228,423
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 8,260 180,583 SH   SOLE   0 0 180,583
ISHARES TR MSCI INTL VLU FT 46435G409 7,654 376,210 SH   SOLE   0 0 376,210
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 7,530 129,161 SH   SOLE   0 0 129,161
ISHARES TR US TREAS BD ETF 46429B267 5,061 222,745 SH   SOLE   0 0 222,745
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,021 70,426 SH   SOLE   0 0 70,426
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 4,701 88,341 SH   SOLE   0 0 88,341
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,634 103,758 SH   SOLE   0 0 103,758
VIZIO HLDG CORP CL A COM 92858V101 4,541 457,800 SH   SOLE   0 0 457,800
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 4,494 116,752 SH   SOLE   0 0 116,752
ISHARES TR MSCI INTL MOMENT 46434V449 4,461 160,999 SH   SOLE   0 0 160,999
ISHARES TR CORE MSCI TOTAL 46432F834 3,668 69,623 SH   SOLE   0 0 69,623
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,572 43,331 SH   SOLE   0 0 43,331
ISHARES TR CORE US AGGBD ET 464287226 3,452 35,857 SH   SOLE   0 0 35,857
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,445 9,231 SH   SOLE   0 0 9,231
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,386 45,495 SH   SOLE   0 0 45,495
ISHARES INC ESG AWR MSCI EM 46434G863 3,002 104,167 SH   SOLE   0 0 104,167
ISHARES TR CONV BD ETF 46435G102 2,842 39,831 SH   SOLE   0 0 39,831
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 2,799 55,906 SH   SOLE   0 0 55,906
ISHARES TR CORE S&P SCP ETF 464287804 2,719 29,643 SH   SOLE   0 0 29,643
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,478 10,711 SH   SOLE   0 0 10,711
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,450 25,282 SH   SOLE   0 0 25,282
ISHARES TR USD INV GRDE ETF 464288620 2,293 47,479 SH   SOLE   0 0 47,479
SPDR SER TR PORTFLI HIGH YLD 78468R606 2,278 102,624 SH   SOLE   0 0 102,624
GENERAL MLS INC COM 370334104 2,155 28,742 SH   SOLE   0 0 28,742
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,003 69,024 SH   SOLE   0 0 69,024
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,958 31,239 SH   SOLE   0 0 31,239
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,830 48,736 SH   SOLE   0 0 48,736
ISHARES TR IBOXX HI YD ETF 464288513 1,774 24,304 SH   SOLE   0 0 24,304
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,636 5,921 SH   SOLE   0 0 5,921
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,525 33,952 SH   SOLE   0 0 33,952
ISHARES TR S&P 500 VAL ETF 464287408 1,436 10,726 SH   SOLE   0 0 10,726
VIZIO HLDG CORP CL A COM 92858V101 1,311 150,000 SH Put SOLE   0 0 150,000
ISHARES TR GLOBAL TECH ETF 464287291 1,285 28,652 SH   SOLE   0 0 28,652
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,163 12,985 SH   SOLE   0 0 12,985
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,099 27,362 SH   SOLE   0 0 27,362
VANGUARD STAR FDS VG TL INTL STK F 921909768 989 20,911 SH   SOLE   0 0 20,911
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 949 23,807 SH   SOLE   0 0 23,807
ISHARES TR ISHS 1-5YR INVS 464288646 896 18,151 SH   SOLE   0 0 18,151
ISHARES TR U.S. MED DVC ETF 464288810 883 17,763 SH   SOLE   0 0 17,763
FISERV INC COM 337738108 859 8,665 SH   SOLE   0 0 8,665
ISHARES TR MSCI EMG MKT ETF 464287234 834 22,895 SH   SOLE   0 0 22,895
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598 782 13,547 SH   SOLE   0 0 13,547
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 757 11,897 SH   SOLE   0 0 11,897
MICROSOFT CORP COM 594918104 649 2,630 SH   SOLE   0 0 2,630
ISHARES TR 3 7 YR TREAS BD 464288661 631 5,529 SH   SOLE   0 0 5,529
SPDR SER TR BBG CONV SEC ETF 78464A359 629 9,576 SH   SOLE   0 0 9,576
COCA COLA CO COM 191216100 598 10,871 SH   SOLE   0 0 10,871
STRYKER CORPORATION COM 863667101 596 2,817 SH   SOLE   0 0 2,817
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 505 12,041 SH   SOLE   0 0 12,041
INVESCO QQQ TR UNIT SER 1 46090E103 490 1,750 SH   SOLE   0 0 1,750
ISHARES TR CORE S&P TTL STK 464287150 479 5,757 SH   SOLE   0 0 5,757
SCHWAB STRATEGIC TR LONG TERM US 808524680 469 13,085 SH   SOLE   0 0 13,085
ALPHABET INC CAP STK CL C 02079K107 464 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 456 5,747 SH   SOLE   0 0 5,747
AMAZON COM INC COM 023135106 441 3,664 SH   SOLE   0 0 3,664
HOME DEPOT INC COM 437076102 401 1,381 SH   SOLE   0 0 1,381
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 386 17,385 SH   SOLE   0 0 17,385
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 373 16,570 SH   SOLE   0 0 16,570
QUALCOMM INC COM 747525103 345 2,753 SH   SOLE   0 0 2,753
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 344 13,255 SH   SOLE   0 0 13,255
LILLY ELI & CO COM 532457108 338 1,014 SH   SOLE   0 0 1,014
ROYAL BK CDA COM 780087102 328 3,616 SH   SOLE   0 0 3,616
SPDR SER TR BLOOMBERG HIGH Y 78468R622 327 3,650 SH   SOLE   0 0 3,650
ISHARES TR S&P 500 GRWT ETF 464287309 303 5,000 SH   SOLE   0 0 5,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 301 1,117 SH   SOLE   0 0 1,117
SPDR SER TR S&P 600 SMCP VAL 78464A300 286 4,047 SH   SOLE   0 0 4,047
ISHARES TR MSCI USA SMCP MN 46435G433 278 8,518 SH   SOLE   0 0 8,518
ISHARES TR CORE S&P MCP ETF 464287507 271 1,168 SH   SOLE   0 0 1,168
TESLA INC COM 88160R101 265 1,112 SH   SOLE   0 0 1,112
INTUIT COM 461202103 263 640 SH   SOLE   0 0 640
ISHARES INC CORE MSCI EMKT 46434G103 256 5,717 SH   SOLE   0 0 5,717
VANGUARD INDEX FDS MID CAP ETF 922908629 251 1,271 SH   SOLE   0 0 1,271
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 250 5,446 SH   SOLE   0 0 5,446
WELLS FARGO CO NEW COM 949746101 244 5,773 SH   SOLE   0 0 5,773
ISHARES TR U.S. ENERGY ETF 464287796 237 5,324 SH   SOLE   0 0 5,324
SHELL PLC SPON ADS 780259305 229 4,425 SH   SOLE   0 0 4,425
ELEVANCE HEALTH INC COM 036752103 228 477 SH   SOLE   0 0 477
JPMORGAN CHASE & CO COM 46625H100 226 2,091 SH   SOLE   0 0 2,091
SEMPRA COM 816851109 225 1,514 SH   SOLE   0 0 1,514
AMGEN INC COM 031162100 221 956 SH   SOLE   0 0 956
ORACLE CORP COM 68389X105 212 3,251 SH   SOLE   0 0 3,251
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 210 2,173 SH   SOLE   0 0 2,173
3M CO COM 88579Y101 206 1,855 SH   SOLE   0 0 1,855
NOVO-NORDISK A S ADR 670100205 203 1,920 SH   SOLE   0 0 1,920
NOKIA CORP SPONSORED ADR 654902204 50 11,025 SH   SOLE   0 0 11,025
NOMURA HLDGS INC SPONSORED ADR 65535H208 45 13,330 SH   SOLE   0 0 13,330