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 308,246 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 508,602 2,793 SH   SOLE   0 0 2,793
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 336,882 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,519,022 16,690 SH   SOLE   0 0 16,690
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,230,261 8,080 SH   SOLE   0 0 8,080
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,454,070 13,605 SH   SOLE   0 0 13,605
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 6,171,534 65,858 SH   SOLE   0 0 65,858
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 780,219 9,062 SH   SOLE   0 0 9,062
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 836,722 4,235 SH   SOLE   0 0 4,235
AMGEN INC COM 031162100 BBG001S5NNL6 6,951,174 24,448 SH   SOLE   0 0 24,448
APPLE INC COM 037833100 BBG001S5N8V8 18,163,775 105,924 SH   SOLE   0 0 105,924
AUTODESK INC COM 052769106 BBG001S5SCD4 692,717 2,660 SH   SOLE   0 0 2,660
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,091,213 28,777 SH   SOLE   0 0 28,777
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 823,799 1,959 SH   SOLE   0 0 1,959
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,505,250 1,806 SH   SOLE   0 0 1,806
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 1,222,604 337 SH   SOLE   0 0 337
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 852,632 12,449 SH   SOLE   0 0 12,449
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,829,608 1,380 SH   SOLE   0 0 1,380
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 1,262,040 8,476 SH   SOLE   0 0 8,476
CISCO SYS INC COM 17275R102 BBG001S6HC62 791,612 15,861 SH   SOLE   0 0 15,861
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,352,395 22,105 SH   SOLE   0 0 22,105
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 1,071,354 8,417 SH   SOLE   0 0 8,417
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 570,772 2,100 SH   SOLE   0 0 2,100
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 543,307 742 SH   SOLE   0 0 742
CSX CORP COM 126408103 BBG001S5Q7Q3 1,043,327 28,145 SH   SOLE   0 0 28,145
CUE BIOPHARMA INC COM 22978P106 BBG00FVMPFP5 47,250 25,000 SH   SOLE   0 0 25,000
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 987,749 12,384 SH   SOLE   0 0 12,384
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 879,274 18,368 SH   SOLE   0 0 18,368
DISNEY WALT CO COM 254687106 BBG001S5QHF3 236,441 1,932 SH   SOLE   0 0 1,932
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 716,334 4,590 SH   SOLE   0 0 4,590
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,565,270 2,012 SH   SOLE   0 0 2,012
FEDEX CORP COM 31428X106 BBG001S5R3M5 783,555 2,704 SH   SOLE   0 0 2,704
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 BBG00DRGLM86 331,957 5,632 SH   SOLE   0 0 5,632
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 25,253,819 557,356 SH   SOLE   0 0 557,356
FIRST TR EXCHNG TRADED FD VI FT VEST FD OF BU 33740F755 BBG00VC9SZ91 2,813,056 100,610 SH   SOLE   0 0 100,610
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 11,641,975 473,251 SH   SOLE   0 0 473,251
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 707,233 18,313 SH   SOLE   0 0 18,313
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,956,240 315,467 SH   SOLE   0 0 315,467
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 239,388 4,754 SH   SOLE   0 0 4,754
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,163,674 2,786 SH   SOLE   0 0 2,786
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,258,957 6,134 SH   SOLE   0 0 6,134
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 538,772 1,350 SH   SOLE   0 0 1,350
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 5,584,658 32,973 SH   SOLE   0 0 32,973
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 6,208,769 107,904 SH   SOLE   0 0 107,904
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 990,021 13,339 SH   SOLE   0 0 13,339
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 18,356,856 166,095 SH   SOLE   0 0 166,095
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,234,087 2,347 SH   SOLE   0 0 2,347
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 375,818 9,328 SH   SOLE   0 0 9,328
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 679,386 6,314 SH   SOLE   0 0 6,314
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 852,150 4,052 SH   SOLE   0 0 4,052
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 289,317 3,426 SH   SOLE   0 0 3,426
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 565,964 3,030 SH   SOLE   0 0 3,030
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 281,330 5,550 SH   SOLE   0 0 5,550
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 205,377 3,550 SH   SOLE   0 0 3,550
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 1,152,288 17,641 SH   SOLE   0 0 17,641
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,882,086 9,396 SH   SOLE   0 0 9,396
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 523,814 3,398 SH   SOLE   0 0 3,398
LINDE PLC SHS G54950103 BBG01FND0CH6 1,237,583 2,665 SH   SOLE   0 0 2,665
LOWES COS INC COM 548661107 BBG001S5SVL3 258,415 1,014 SH   SOLE   0 0 1,014
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 567,289 1,178 SH   SOLE   0 0 1,178
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,946,207 3,625 SH   SOLE   0 0 3,625
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,659,188 12,574 SH   SOLE   0 0 12,574
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 3,287,928 6,771 SH   SOLE   0 0 6,771
METLIFE INC COM 59156R108 BBG001S5T3R8 835,531 11,274 SH   SOLE   0 0 11,274
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,828,701 6,723 SH   SOLE   0 0 6,723
NETFLIX INC COM 64110L106 BBG001SF6L46 1,491,602 2,456 SH   SOLE   0 0 2,456
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 323,690 5,065 SH   SOLE   0 0 5,065
NIKE INC CL B 654106103 BBG001S6NTK2 859,962 9,150 SH   SOLE   0 0 9,150
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 4,993,823 5,527 SH   SOLE   0 0 5,527
ORACLE CORP COM 68389X105 BBG001S5SJG6 499,119 3,974 SH   SOLE   0 0 3,974
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,304,867 4,593 SH   SOLE   0 0 4,593
PAYCHEX INC COM 704326107 BBG001S5V135 281,095 2,289 SH   SOLE   0 0 2,289
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 933,908 13,941 SH   SOLE   0 0 13,941
PFIZER INC COM 717081103 BBG001S5V466 319,896 11,528 SH   SOLE   0 0 11,528
PHILLIPS 66 COM 718546104 BBG00286S4P7 1,065,677 6,524 SH   SOLE   0 0 6,524
PLANET LABS PBC COM CL A 72703X106 BBG00ZCV3Q27 28,478 11,168 SH   SOLE   0 0 11,168
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,622,058 9,997 SH   SOLE   0 0 9,997
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 490,398 1,683 SH   SOLE   0 0 1,683
SALESFORCE INC COM 79466L302 BBG001SDLP09 2,304,629 7,652 SH   SOLE   0 0 7,652
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 805,845 11,140 SH   SOLE   0 0 11,140
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 22,419,684 429,825 SH   SOLE   0 0 429,825
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 339,948 22,800 SH   SOLE   0 0 22,800
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 837,668 14,460 SH   SOLE   0 0 14,460
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,016,310 1,943 SH   SOLE   0 0 1,943
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 548,909 21,425 SH   SOLE   0 0 21,425
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 15,718,604 214,882 SH   SOLE   0 0 214,882
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 16,948,872 338,301 SH   SOLE   0 0 338,301
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 413,452 4,740 SH   SOLE   0 0 4,740
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 425,518 5,129 SH   SOLE   0 0 5,129
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,134,015 12,409 SH   SOLE   0 0 12,409
STRYKER CORPORATION COM 863667101 BBG001S8FR03 211,143 590 SH   SOLE   0 0 590
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,178,379 8,113 SH   SOLE   0 0 8,113
TESLA INC COM 88160R101 BBG001SQKGD7 379,003 2,156 SH   SOLE   0 0 2,156
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,656,689 4,561 SH   SOLE   0 0 4,561
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,097,132 1,888 SH   SOLE   0 0 1,888
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,252,263 12,347 SH   SOLE   0 0 12,347
TRANSDIGM GROUP INC COM 893641100 BBG001SPV1C1 789,456 641 SH   SOLE   0 0 641
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,829,975 23,769 SH   SOLE   0 0 23,769
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,352,356 5,499 SH   SOLE   0 0 5,499
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 539,240 1,090 SH   SOLE   0 0 1,090
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,010,417 26,222 SH   SOLE   0 0 26,222
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 841,739 2,445 SH   SOLE   0 0 2,445
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 278,361 1,785 SH   SOLE   0 0 1,785
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,438,868 120,708 SH   SOLE   0 0 120,708
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 468,683 975 SH   SOLE   0 0 975
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 346,341 1,333 SH   SOLE   0 0 1,333
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,403,803 33,608 SH   SOLE   0 0 33,608
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 338,210 6,684 SH   SOLE   0 0 6,684
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 6,000,937 99,518 SH   SOLE   0 0 99,518
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 386,710 7,708 SH   SOLE   0 0 7,708
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 16,137,895 197,938 SH   SOLE   0 0 197,938
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 374,235 8,919 SH   SOLE   0 0 8,919
VISA INC COM CL A 92826C839 BBG001SRCFY3 3,060,802 10,967 SH   SOLE   0 0 10,967
WALMART INC COM 931142103 BBG001S5XH92 1,699,533 28,246 SH   SOLE   0 0 28,246
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 957,496 9,366 SH   SOLE   0 0 9,366
ZOETIS INC CL A 98978V103 BBG0039320P7 854,397 5,049 SH   SOLE   0 0 5,049