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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 275,630 2,722 SH   SOLE   0 0 2,722
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 417,662 2,621 SH   SOLE   0 0 2,621
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 372,303 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,893,073 18,250 SH   SOLE   0 0 18,250
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 657,904 6,326 SH   SOLE   0 0 6,326
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,492,954 14,454 SH   SOLE   0 0 14,454
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 796,396 8,753 SH   SOLE   0 0 8,753
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 704,664 3,448 SH   SOLE   0 0 3,448
AMGEN INC COM 031162100 BBG001S5NNL6 5,778,628 23,903 SH   SOLE   0 0 23,903
APPLE INC COM 037833100 BBG001S5N8V8 19,864,180 120,462 SH   SOLE   0 0 120,462
AUTODESK INC COM 052769106 BBG001S5SCD4 506,661 2,434 SH   SOLE   0 0 2,434
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 713,611 24,951 SH   SOLE   0 0 24,951
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 434,748 1,408 SH   SOLE   0 0 1,408
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,140,470 1,704 SH   SOLE   0 0 1,704
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 909,777 343 SH   SOLE   0 0 343
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 716,380 14,319 SH   SOLE   0 0 14,319
BROADCOM INC COM 11135F101 BBG00KHY5SY8 959,168 1,495 SH   SOLE   0 0 1,495
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 724,933 7,539 SH   SOLE   0 0 7,539
CISCO SYS INC COM 17275R102 BBG001S6HC62 818,449 15,657 SH   SOLE   0 0 15,657
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,374,819 22,164 SH   SOLE   0 0 22,164
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 848,958 8,557 SH   SOLE   0 0 8,557
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 470,686 2,084 SH   SOLE   0 0 2,084
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 324,143 652 SH   SOLE   0 0 652
CSX CORP COM 126408103 BBG001S5Q7Q3 813,803 27,181 SH   SOLE   0 0 27,181
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 757,670 10,196 SH   SOLE   0 0 10,196
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 610,960 17,496 SH   SOLE   0 0 17,496
DISNEY WALT CO COM 254687106 BBG001S5QHF3 874,597 8,735 SH   SOLE   0 0 8,735
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 865,946 4,115 SH   SOLE   0 0 4,115
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 359,789 3,281 SH   SOLE   0 0 3,281
FEDEX CORP COM 31428X106 BBG001S5R3M5 612,967 2,683 SH   SOLE   0 0 2,683
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 18,853,606 409,861 SH   SOLE   0 0 409,861
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQ 33740F755 BBG00VC9SZ91 1,889,757 80,518 SH   SOLE   0 0 80,518
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 658,428 16,436 SH   SOLE   0 0 16,436
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,431,054 293,948 SH   SOLE   0 0 293,948
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 BBG00MVW9603 13,291 77,500 SH Call SOLE   0 0 77,500
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 830,142 2,538 SH   SOLE   0 0 2,538
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,073,088 5,615 SH   SOLE   0 0 5,615
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 459,846 1,800 SH   SOLE   0 0 1,800
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 5,181,741 90,243 SH   SOLE   0 0 90,243
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 756,341 11,314 SH   SOLE   0 0 11,314
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 11,558,110 119,525 SH   SOLE   0 0 119,525
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 252,403 614 SH   SOLE   0 0 614
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 245,015 2,459 SH   SOLE   0 0 2,459
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 252,706 5,014 SH   SOLE   0 0 5,014
ISHARES TR INTL DIV GRWTH 46435G524 BBG00CX80QM7 471,321 7,775 SH   SOLE   0 0 7,775
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 3,959,330 28,476 SH   SOLE   0 0 28,476
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 602,635 3,378 SH   SOLE   0 0 3,378
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 229,257 3,588 SH   SOLE   0 0 3,588
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 513,044 3,381 SH   SOLE   0 0 3,381
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 243,800 4,845 SH   SOLE   0 0 4,845
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 900,133 14,947 SH   SOLE   0 0 14,947
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,158,879 8,893 SH   SOLE   0 0 8,893
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 718,552 2,915 SH   SOLE   0 0 2,915
LILLY ELI & CO COM 532457108 BBG001S5STL8 689,244 2,007 SH   SOLE   0 0 2,007
LINDE PLC SHS G54950103 BBG01FND0CH6 925,668 2,604 SH   SOLE   0 0 2,604
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 343,675 727 SH   SOLE   0 0 727
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 298,723 822 SH   SOLE   0 0 822
MCDONALDS CORP COM 580135101 BBG001S5T110 235,991 844 SH   SOLE   0 0 844
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,378,671 3,872 SH   SOLE   0 0 3,872
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,359,723 12,781 SH   SOLE   0 0 12,781
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,563,693 7,378 SH   SOLE   0 0 7,378
METLIFE INC COM 59156R108 BBG001S5T3R8 598,578 10,331 SH   SOLE   0 0 10,331
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,831,916 6,354 SH   SOLE   0 0 6,354
NETFLIX INC COM 64110L106 BBG001SF6L46 990,146 2,866 SH   SOLE   0 0 2,866
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 342,775 4,447 SH   SOLE   0 0 4,447
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,545,815 9,165 SH   SOLE   0 0 9,165
ORACLE CORP COM 68389X105 BBG001S5SJG6 388,870 4,185 SH   SOLE   0 0 4,185
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,074,701 5,381 SH   SOLE   0 0 5,381
PAYCHEX INC COM 704326107 BBG001S5V135 358,593 3,129 SH   SOLE   0 0 3,129
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 754,692 9,938 SH   SOLE   0 0 9,938
PFIZER INC COM 717081103 BBG001S5V466 1,193,261 29,247 SH   SOLE   0 0 29,247
PHILLIPS 66 COM 718546104 BBG00286S4P7 713,019 7,033 SH   SOLE   0 0 7,033
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 212,687 2,293 SH   SOLE   0 0 2,293
PLANET LABS PBC COM CL A 72703X106 BBG00ZCV3Q27 43,890 11,168 SH   SOLE   0 0 11,168
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,418,824 9,542 SH   SOLE   0 0 9,542
RESEARCH SOLUTIONS INC COM 761025105 BBG001T30MS0 70,205 34,928 SH   SOLE   0 0 34,928
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 487,745 1,662 SH   SOLE   0 0 1,662
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,650,982 8,264 SH   SOLE   0 0 8,264
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 460,654 8,794 SH   SOLE   0 0 8,794
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 17,917,942 334,228 SH   SOLE   0 0 334,228
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 1,001,302 17,539 SH   SOLE   0 0 17,539
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 704,970 1,722 SH   SOLE   0 0 1,722
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 775,137 29,064 SH   SOLE   0 0 29,064
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 289,960 7,677 SH   SOLE   0 0 7,677
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 12,680,328 229,052 SH   SOLE   0 0 229,052
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 13,737,264 337,359 SH   SOLE   0 0 337,359
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,476,659 20,023 SH   SOLE   0 0 20,023
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,664,825 21,854 SH   SOLE   0 0 21,854
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 223,179 5,383 SH   SOLE   0 0 5,383
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,330,887 12,781 SH   SOLE   0 0 12,781
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,063,398 8,108 SH   SOLE   0 0 8,108
TESLA INC COM 88160R101 BBG001SQKGD7 538,774 2,597 SH   SOLE   0 0 2,597
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,182,570 4,628 SH   SOLE   0 0 4,628
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,118,514 1,941 SH   SOLE   0 0 1,941
TJX COS INC NEW COM 872540109 BBG001S5WQ93 988,104 12,610 SH   SOLE   0 0 12,610
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 831,491 26,230 SH   SOLE   0 0 26,230
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,043,038 5,183 SH   SOLE   0 0 5,183
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,033,157 26,581 SH   SOLE   0 0 26,581
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 2,032,726 41,282 SH   SOLE   0 0 41,282
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 749,441 3,004 SH   SOLE   0 0 3,004
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,756,225 35,476 SH   SOLE   0 0 35,476
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 11,930,441 143,671 SH   SOLE   0 0 143,671
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 369,301 982 SH   SOLE   0 0 982
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 219,042 1,586 SH   SOLE   0 0 1,586
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,443,189 35,723 SH   SOLE   0 0 35,723
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 726,110 14,333 SH   SOLE   0 0 14,333
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,020,576 90,936 SH   SOLE   0 0 90,936
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 278,699 6,170 SH   SOLE   0 0 6,170
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 12,916,430 175,304 SH   SOLE   0 0 175,304
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 231,621 5,956 SH   SOLE   0 0 5,956
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,517,937 11,168 SH   SOLE   0 0 11,168
WALMART INC COM 931142103 BBG001S5XH92 1,402,759 9,513 SH   SOLE   0 0 9,513
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 1,010,547 9,030 SH   SOLE   0 0 9,030
ZOETIS INC CL A 98978V103 BBG0039320P7 740,991 4,452 SH   SOLE   0 0 4,452