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
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   57,510 759,513 SH   SOLE   0 0 759,513
ISHARES TR 1 3 YR TREAS BD 464287457   52,898 648,898 SH   SOLE   0 0 648,898
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   50,905 768,726 SH   SOLE   0 0 768,726
ISHARES TR MSCI USA QLT FCT 46432F339   45,042 387,822 SH   SOLE   0 0 387,822
ISHARES TR MSCI USA MIN VOL 46429B697   36,834 501,411 SH   SOLE   0 0 501,411
ISHARES TR MSCI USA MMENTM 46432F396   27,410 188,037 SH   SOLE   0 0 188,037
PACER FDS TR US CASH COWS 100 69374H881   26,235 553,008 SH   SOLE   0 0 553,008
ISHARES TR MSCI INTL SML CP 46434V266   17,642 579,950 SH   SOLE   0 0 579,950
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   15,237 361,069 SH   SOLE   0 0 361,069
VANGUARD INDEX FDS SMALL CP ETF 922908751   15,127 80,714 SH   SOLE   0 0 80,714
ISHARES TR US TREAS BD ETF 46429B267   14,246 615,639 SH   SOLE   0 0 615,639
ISHARES INC MSCI EMERG MRKT 464286533   13,862 253,553 SH   SOLE   0 0 253,553
AMERICAN CENTY ETF TR US SML CP VALU 025072877   13,538 176,993 SH   SOLE   0 0 176,993
ISHARES TR RUSSELL 3000 ETF 464287689   11,717 52,368 SH   SOLE   0 0 52,368
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,485 252,685 SH   SOLE   0 0 252,685
AMERICAN CENTY ETF TR US EQT ETF 025072885   10,471 151,011 SH   SOLE   0 0 151,011
ISHARES INC MSCI EMERG MKT 46434G889   9,886 231,091 SH   SOLE   0 0 231,091
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   9,347 236,382 SH   SOLE   0 0 236,382
APPLE INC COM 037833100   8,963 69,145 SH   SOLE   0 0 69,145
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   7,365 113,470 SH   SOLE   0 0 113,470
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,636 15,804 SH   SOLE   0 0 15,804
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   5,532 97,688 SH   SOLE   0 0 97,688
PIMCO ETF TR ACTIVE BD ETF 72201R775   5,466 59,289 SH   SOLE   0 0 59,289
ISHARES TR CORE MSCI TOTAL 46432F834   4,744 78,759 SH   SOLE   0 0 78,759
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   4,731 69,385 SH   SOLE   0 0 69,385
ISHARES TR ISHS 1-5YR INVS 464288646   4,119 82,088 SH   SOLE   0 0 82,088
ISHARES INC ESG AWR MSCI EM 46434G863   3,958 124,340 SH   SOLE   0 0 124,340
ISHARES TR CORE S&P SCP ETF 464287804   3,654 37,653 SH   SOLE   0 0 37,653
ISHARES TR CORE S&P500 ETF 464287200   3,537 9,074 SH   SOLE   0 0 9,074
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   3,214 71,604 SH   SOLE   0 0 71,604
VIZIO HLDG CORP CL A COM 92858V101   3,028 401,100 SH   SOLE   0 0 401,100
GENERAL MLS INC COM 370334104   2,460 28,622 SH   SOLE   0 0 28,622
ISHARES TR USD INV GRDE ETF 464288620   2,303 45,764 SH   SOLE   0 0 45,764
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,104 88,985 SH   SOLE   0 0 88,985
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,029 49,039 SH   SOLE   0 0 49,039
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,954 6,132 SH   SOLE   0 0 6,132
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,874 37,354 SH   SOLE   0 0 37,354
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,802 53,932 SH   SOLE   0 0 53,932
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,586 4,088 SH   SOLE   0 0 4,088
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,533 32,946 SH   SOLE   0 0 32,946
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   1,092 24,169 SH   SOLE   0 0 24,169
VANGUARD INDEX FDS VALUE ETF 922908744   987 6,886 SH   SOLE   0 0 6,886
ISHARES TR MSCI INTL VLU FT 46435G409   948 39,555 SH   SOLE   0 0 39,555
FISERV INC COM 337738108   885 8,665 SH   SOLE   0 0 8,665
VANGUARD STAR FDS VG TL INTL STK F 921909768   866 16,113 SH   SOLE   0 0 16,113
ISHARES TR CORE MSCI EAFE 46432F842   779 12,186 SH   SOLE   0 0 12,186
STRYKER CORPORATION COM 863667101   722 2,817 SH   SOLE   0 0 2,817
ISHARES TR 3 7 YR TREAS BD 464288661   703 6,032 SH   SOLE   0 0 6,032
COCA COLA CO COM 191216100   689 10,871 SH   SOLE   0 0 10,871
ISHARES TR CORE US AGGBD ET 464287226   685 6,916 SH   SOLE   0 0 6,916
MICROSOFT CORP COM 594918104   592 2,630 SH   SOLE   0 0 2,630
ISHARES TR EAFE VALUE ETF 464288877   559 11,775 SH   SOLE   0 0 11,775
ISHARES TR CORE TOTAL USD 46434V613   555 12,089 SH   SOLE   0 0 12,089
INVESCO QQQ TR UNIT SER 1 46090E103   551 2,049 SH   SOLE   0 0 2,049
ISHARES TR FALN ANGLS USD 46435G474   549 21,866 SH   SOLE   0 0 21,866
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   517 11,873 SH   SOLE   0 0 11,873
ISHARES TR CORE S&P TTL STK 464287150   495 5,751 SH   SOLE   0 0 5,751
ISHARES TR EAFE GRWTH ETF 464288885   462 5,311 SH   SOLE   0 0 5,311
ALPHABET INC CAP STK CL C 02079K107   441 4,997 SH   SOLE   0 0 4,997
ISHARES TR MSCI EMG MKT ETF 464287234   432 10,778 SH   SOLE   0 0 10,778
ISHARES TR GLOBAL TECH ETF 464287291   428 9,425 SH   SOLE   0 0 9,425
HOME DEPOT INC COM 437076102   420 1,324 SH   SOLE   0 0 1,324
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   401 4,751 SH   SOLE   0 0 4,751
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   371 15,812 SH   SOLE   0 0 15,812
LILLY ELI & CO COM 532457108   370 1,019 SH   SOLE   0 0 1,019
SPDR SER TR PORTFOLIO LN TSR 78464A664   357 11,703 SH   SOLE   0 0 11,703
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   357 7,540 SH   SOLE   0 0 7,540
SELECT SECTOR SPDR TR ENERGY 81369Y506   357 4,073 SH   SOLE   0 0 4,073
AMGEN INC COM 031162100   351 1,275 SH   SOLE   0 0 1,275
ROYAL BK CDA SUSTAINABL COM 780087102   351 3,616 SH   SOLE   0 0 3,616
ISHARES TR MSCI USA SMCP MN 46435G433   339 9,614 SH   SOLE   0 0 9,614
J P MORGAN EXCHANGE TRADED F US AGGREGATE ETF 46641Q241   320 6,843 SH   SOLE   0 0 6,843
SPDR SER TR PORTFLI HIGH YLD 78468R606   312 13,655 SH   SOLE   0 0 13,655
SPDR SER TR S&P 600 SMCP VAL 78464A300   311 4,054 SH   SOLE   0 0 4,054
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   301 15,094 SH   SOLE   0 0 15,094
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   292 1,083 SH   SOLE   0 0 1,083
ISHARES INC CORE MSCI EMKT 46434G103   290 5,891 SH   SOLE   0 0 5,891
ISHARES TR CORE S&P MCP ETF 464287507   290 1,168 SH   SOLE   0 0 1,168
JPMORGAN CHASE & CO COM 46625H100   266 1,927 SH   SOLE   0 0 1,927
WELLS FARGO CO NEW COM 949746101   266 6,205 SH   SOLE   0 0 6,205
VANGUARD INDEX FDS MID CAP ETF 922908629   264 1,271 SH   SOLE   0 0 1,271
INTUIT COM 461202103   247 640 SH   SOLE   0 0 640
ORACLE CORP COM 68389X105   242 2,827 SH   SOLE   0 0 2,827
WP CAREY INC COM 92936U109   242 3,000 SH   SOLE   0 0 3,000
NOVO-NORDISK A S ADR 670100205   240 1,730 SH   SOLE   0 0 1,730
3M CO COM 88579Y101   235 1,855 SH   SOLE   0 0 1,855
SEMPRA COM 816851109   234 1,514 SH   SOLE   0 0 1,514
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   232 4,455 SH   SOLE   0 0 4,455
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   230 5,644 SH   SOLE   0 0 5,644
SHELL PLC SPON ADS 780259305   227 3,972 SH   SOLE   0 0 3,972
ELEVANCE HEALTH INC COM 036752103   224 471 SH   SOLE   0 0 471
ISHARES TR U.S. MED DVC ETF 464288810   222 4,157 SH   SOLE   0 0 4,157
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   221 1,631 SH   SOLE   0 0 1,631
AMAZON COM INC COM 023135106   219 2,540 SH   SOLE   0 0 2,540
ISHARES TR MSCI INTL MOMENT 46434V449   213 6,815 SH   SOLE   0 0 6,815
BOEING CO COM 097023105   211 992 SH   SOLE   0 0 992
BIOGEN INC COM 09062X103   201 720 SH   SOLE   0 0 720
NOKIA CORP SPONSORED ADR 654902204   59 12,225 SH   SOLE   0 0 12,225
EFFECTOR THERAPEUTICS INC COM 28202V108   24 48,768 SH   SOLE   0 0 48,768