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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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 262,657 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 401,023 2,690 SH   SOLE   0 0 2,690
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 238,907 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,456,635 18,773 SH   SOLE   0 0 18,773
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,040,956 7,895 SH   SOLE   0 0 7,895
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,018,793 15,881 SH   SOLE   0 0 15,881
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 644,955 8,574 SH   SOLE   0 0 8,574
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 591,197 3,595 SH   SOLE   0 0 3,595
AMGEN INC COM 031162100 BBG001S5NNL6 6,576,106 24,468 SH   SOLE   0 0 24,468
APARTMENT INVT & MGMT CO CL A 03748R747 BBG001S876N3 118,272 17,393 SH   SOLE   0 0 17,393
APPLE INC COM 037833100 BBG001S5N8V8 21,128,842 123,409 SH   SOLE   0 0 123,409
AUTODESK INC COM 052769106 BBG001S5SCD4 531,138 2,567 SH   SOLE   0 0 2,567
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 741,892 27,096 SH   SOLE   0 0 27,096
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 791,678 2,260 SH   SOLE   0 0 2,260
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,180,498 1,826 SH   SOLE   0 0 1,826
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 989,948 321 SH   SOLE   0 0 321
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 692,472 13,115 SH   SOLE   0 0 13,115
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,275,925 1,536 SH   SOLE   0 0 1,536
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 760,447 7,836 SH   SOLE   0 0 7,836
CENOVUS ENERGY INC *W EXP 01/01/202 15135U117   167,498 10,436 SH   SOLE   0 0 10,436
CISCO SYS INC COM 17275R102 BBG001S6HC62 823,831 15,324 SH   SOLE   0 0 15,324
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,242,447 22,194 SH   SOLE   0 0 22,194
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 999,566 8,344 SH   SOLE   0 0 8,344
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 517,736 2,060 SH   SOLE   0 0 2,060
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 474,823 840 SH   SOLE   0 0 840
CSX CORP COM 126408103 BBG001S5Q7Q3 845,523 27,497 SH   SOLE   0 0 27,497
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 776,496 11,121 SH   SOLE   0 0 11,121
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 633,039 17,109 SH   SOLE   0 0 17,109
DISNEY WALT CO COM 254687106 BBG001S5QHF3 690,839 8,524 SH   SOLE   0 0 8,524
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 444,441 4,201 SH   SOLE   0 0 4,201
EL PASO ENERGY CAP TR I PFD CV TR SEC 28 283678209   337,623 7,435 SH   SOLE   0 0 7,435
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 224,677 516 SH   SOLE   0 0 516
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,080,706 2,012 SH   SOLE   0 0 2,012
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 268,318 2,282 SH   SOLE   0 0 2,282
FEDEX CORP COM 31428X106 BBG001S5R3M5 701,506 2,648 SH   SOLE   0 0 2,648
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 303,022 2,465 SH   SOLE   0 0 2,465
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 BBG00DRGLM86 1,092,182 22,156 SH   SOLE   0 0 22,156
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 19,032,731 436,931 SH   SOLE   0 0 436,931
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQ 33740F755 BBG00VC9SZ91 2,368,232 96,702 SH   SOLE   0 0 96,702
FIRST TR EXCHNG TRADED FD VI FT CBOE DEEP BFR 33740U406 BBG00YGC8R49 379,710 11,311 SH   SOLE   0 0 11,311
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 791,425 33,114 SH   SOLE   0 0 33,114
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 561,859 16,438 SH   SOLE   0 0 16,438
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,308,291 304,359 SH   SOLE   0 0 304,359
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 BBG00J3MDYR8 276,720 10,462 SH   SOLE   0 0 10,462
GARRETT MOTION INC COM 366505105 BBG00HY28Q04 160,185 20,328 SH   SOLE   0 0 20,328
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 1,000,897 20,042 SH   SOLE   0 0 20,042
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 837,159 2,587 SH   SOLE   0 0 2,587
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,076,528 5,827 SH   SOLE   0 0 5,827
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 526,122 1,800 SH   SOLE   0 0 1,800
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 3,965,503 27,987 SH   SOLE   0 0 27,987
INVESCO HIG INCM 2023 TARG T COM 46135X108 BBG00F1534B9 75,986 11,158 SH   SOLE   0 0 11,158
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 5,215,604 95,106 SH   SOLE   0 0 95,106
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,729,857 26,882 SH   SOLE   0 0 26,882
ISHARES TR CORE MSCI EURO 46434V738 BBG006MJ8984 966,533 19,463 SH   SOLE   0 0 19,463
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 11,657,166 123,579 SH   SOLE   0 0 123,579
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,394,502 5,576 SH   SOLE   0 0 5,576
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 738,590 7,854 SH   SOLE   0 0 7,854
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 222,407 4,714 SH   SOLE   0 0 4,714
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 295,646 9,117 SH   SOLE   0 0 9,117
ISHARES TR IBONDS 27 TRM TS 46436E841 BBG00RYR47N8 280,161 12,822 SH   SOLE   0 0 12,822
ISHARES TR INTL DIV GRWTH 46435G524 BBG00CX80QM7 261,557 4,410 SH   SOLE   0 0 4,410
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 546,742 6,157 SH   SOLE   0 0 6,157
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 712,714 4,033 SH   SOLE   0 0 4,033
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 235,454 3,441 SH   SOLE   0 0 3,441
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 565,458 3,676 SH   SOLE   0 0 3,676
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 334,833 6,599 SH   SOLE   0 0 6,599
J P MORGAN EXCHANGE TRADED F ACTIVEBLDRS EMER 46641Q266 BBG00Z6Q8BL2 262,877 7,613 SH   SOLE   0 0 7,613
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 BBG00LN4CWM1 391,757 6,737 SH   SOLE   0 0 6,737
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 BBG007VDWC09 446,228 8,859 SH   SOLE   0 0 8,859
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 372,252 6,950 SH   SOLE   0 0 6,950
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 372,085 7,415 SH   SOLE   0 0 7,415
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 204,630 4,308 SH   SOLE   0 0 4,308
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 1,375,368 27,327 SH   SOLE   0 0 27,327
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 805,369 15,136 SH   SOLE   0 0 15,136
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,456,318 10,042 SH   SOLE   0 0 10,042
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 407,588 2,820 SH   SOLE   0 0 2,820
LINDE PLC SHS G54950103 BBG01FND0CH6 976,811 2,623 SH   SOLE   0 0 2,623
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 288,726 706 SH   SOLE   0 0 706
LOWES COS INC COM 548661107 BBG001S5SVL3 382,730 1,841 SH   SOLE   0 0 1,841
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 401,849 1,015 SH   SOLE   0 0 1,015
MCDONALDS CORP COM 580135101 BBG001S5T110 272,560 1,035 SH   SOLE   0 0 1,035
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,746,448 4,016 SH   SOLE   0 0 4,016
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,346,794 13,082 SH   SOLE   0 0 13,082
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,403,481 8,006 SH   SOLE   0 0 8,006
METLIFE INC COM 59156R108 BBG001S5T3R8 661,614 10,517 SH   SOLE   0 0 10,517
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,490,920 7,889 SH   SOLE   0 0 7,889
NETFLIX INC COM 64110L106 BBG001SF6L46 1,001,773 2,653 SH   SOLE   0 0 2,653
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 290,161 5,065 SH   SOLE   0 0 5,065
NIKE INC CL B 654106103 BBG001S6NTK2 758,629 7,934 SH   SOLE   0 0 7,934
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,420,412 7,863 SH   SOLE   0 0 7,863
ORACLE CORP COM 68389X105 BBG001S5SJG6 443,275 4,185 SH   SOLE   0 0 4,185
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,160,830 4,952 SH   SOLE   0 0 4,952
PAYCHEX INC COM 704326107 BBG001S5V135 400,012 3,468 SH   SOLE   0 0 3,468
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 915,250 15,656 SH   SOLE   0 0 15,656
PFIZER INC COM 717081103 BBG001S5V466 847,439 25,548 SH   SOLE   0 0 25,548
PHILLIPS 66 COM 718546104 BBG00286S4P7 818,750 6,814 SH   SOLE   0 0 6,814
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,419,608 9,733 SH   SOLE   0 0 9,733
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 476,988 1,669 SH   SOLE   0 0 1,669
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,641,707 8,096 SH   SOLE   0 0 8,096
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 616,835 11,236 SH   SOLE   0 0 11,236
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 18,441,609 365,253 SH   SOLE   0 0 365,253
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 319,428 22,800 SH   SOLE   0 0 22,800
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 947,296 17,001 SH   SOLE   0 0 17,001
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,063,474 2,488 SH   SOLE   0 0 2,488
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 563,222 22,674 SH   SOLE   0 0 22,674
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 13,045,854 220,072 SH   SOLE   0 0 220,072
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 13,778,336 333,939 SH   SOLE   0 0 333,939
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,509,842 20,607 SH   SOLE   0 0 20,607
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,642,425 22,695 SH   SOLE   0 0 22,695
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,108,757 12,148 SH   SOLE   0 0 12,148
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 974,874 7,892 SH   SOLE   0 0 7,892
TESLA INC COM 88160R101 BBG001SQKGD7 614,791 2,457 SH   SOLE   0 0 2,457
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,323,136 4,625 SH   SOLE   0 0 4,625
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 987,357 1,951 SH   SOLE   0 0 1,951
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,100,569 12,383 SH   SOLE   0 0 12,383
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,131,630 24,606 SH   SOLE   0 0 24,606
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,045,388 5,134 SH   SOLE   0 0 5,134
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 604,530 1,199 SH   SOLE   0 0 1,199
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,872,612 24,912 SH   SOLE   0 0 24,912
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 759,062 2,787 SH   SOLE   0 0 2,787
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,795,333 36,617 SH   SOLE   0 0 36,617
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 11,497,211 151,959 SH   SOLE   0 0 151,959
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 388,773 990 SH   SOLE   0 0 990
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 401,581 1,891 SH   SOLE   0 0 1,891
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 219,998 1,595 SH   SOLE   0 0 1,595
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,410,136 35,964 SH   SOLE   0 0 35,964
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 749,735 15,587 SH   SOLE   0 0 15,587
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 227,560 2,995 SH   SOLE   0 0 2,995
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 1,236,211 21,462 SH   SOLE   0 0 21,462
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 4,889,406 91,357 SH   SOLE   0 0 91,357
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 269,621 6,167 SH   SOLE   0 0 6,167
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 13,112,227 183,825 SH   SOLE   0 0 183,825
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 556,956 17,185 SH   SOLE   0 0 17,185
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,730,906 11,873 SH   SOLE   0 0 11,873
WALMART INC COM 931142103 BBG001S5XH92 1,511,276 9,450 SH   SOLE   0 0 9,450
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 825,107 8,929 SH   SOLE   0 0 8,929
ZOETIS INC CL A 98978V103 BBG0039320P7 814,254 4,680 SH   SOLE   0 0 4,680