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
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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
ABBOTT LABS COM 002824100 BBG001S5N9M6 272,452 2,622 SH   SOLE   0 0 2,622
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 460,581 2,685 SH   SOLE   0 0 2,685
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 175,600 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,026,852 16,617 SH   SOLE   0 0 16,617
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,465,000 7,987 SH   SOLE   0 0 7,987
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,682,697 13,882 SH   SOLE   0 0 13,882
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 6,328,564 70,537 SH   SOLE   0 0 70,537
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 825,465 9,408 SH   SOLE   0 0 9,408
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 874,279 4,498 SH   SOLE   0 0 4,498
AMGEN INC COM 031162100 BBG001S5NNL6 7,118,068 22,781 SH   SOLE   0 0 22,781
APPLE INC COM 037833100 BBG001S5N8V8 20,298,426 96,375 SH   SOLE   0 0 96,375
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 204,724 2,625 SH   SOLE   0 0 2,625
AUTODESK INC COM 052769106 BBG001S5SCD4 699,294 2,826 SH   SOLE   0 0 2,826
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,220,628 30,692 SH   SOLE   0 0 30,692
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 831,499 2,044 SH   SOLE   0 0 2,044
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,483,102 1,884 SH   SOLE   0 0 1,884
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 1,374,659 347 SH   SOLE   0 0 347
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 957,157 12,429 SH   SOLE   0 0 12,429
BROADCOM INC COM 11135F101 BBG00KHY5SY8 2,187,582 1,363 SH   SOLE   0 0 1,363
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 1,200,844 8,673 SH   SOLE   0 0 8,673
CISCO SYS INC COM 17275R102 BBG001S6HC62 773,116 16,273 SH   SOLE   0 0 16,273
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,527,116 23,992 SH   SOLE   0 0 23,992
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 1,002,247 8,762 SH   SOLE   0 0 8,762
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 569,976 2,215 SH   SOLE   0 0 2,215
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 626,142 737 SH   SOLE   0 0 737
CSX CORP COM 126408103 BBG001S5Q7Q3 982,061 29,359 SH   SOLE   0 0 29,359
CUE BIOPHARMA INC COM 22978P106 BBG00FVMPFP5 31,000 25,000 SH   SOLE   0 0 25,000
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 807,208 13,668 SH   SOLE   0 0 13,668
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 880,492 18,560 SH   SOLE   0 0 18,560
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 653,504 4,942 SH   SOLE   0 0 4,942
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,821,648 2,012 SH   SOLE   0 0 2,012
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 200,151 1,739 SH   SOLE   0 0 1,739
FEDEX CORP COM 31428X106 BBG001S5R3M5 846,278 2,822 SH   SOLE   0 0 2,822
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 27,330,750 608,296 SH   SOLE   0 0 608,296
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755 BBG00VC9SZ91 4,005,333 138,497 SH   SOLE   0 0 138,497
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 12,383,020 506,463 SH   SOLE   0 0 506,463
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 739,044 19,311 SH   SOLE   0 0 19,311
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,994,008 323,717 SH   SOLE   0 0 323,717
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 BBG00NW3TGY3 203,928 4,049 SH   SOLE   0 0 4,049
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,273,850 2,816 SH   SOLE   0 0 2,816
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,391,828 6,518 SH   SOLE   0 0 6,518
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 511,578 1,150 SH   SOLE   0 0 1,150
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 5,780,759 35,188 SH   SOLE   0 0 35,188
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 203,426 425 SH   SOLE   0 0 425
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 7,164,484 125,958 SH   SOLE   0 0 125,958
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 768,822 10,584 SH   SOLE   0 0 10,584
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 18,934,404 177,521 SH   SOLE   0 0 177,521
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 943,972 1,725 SH   SOLE   0 0 1,725
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 225,488 4,210 SH   SOLE   0 0 4,210
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 410,855 9,770 SH   SOLE   0 0 9,770
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 672,757 6,314 SH   SOLE   0 0 6,314
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 822,124 4,052 SH   SOLE   0 0 4,052
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 316,700 3,422 SH   SOLE   0 0 3,422
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 549,420 3,019 SH   SOLE   0 0 3,019
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 281,163 5,550 SH   SOLE   0 0 5,550
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 1,217,774 18,321 SH   SOLE   0 0 18,321
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,937,543 9,579 SH   SOLE   0 0 9,579
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 403,281 3,790 SH   SOLE   0 0 3,790
LINDE PLC SHS G54950103 BBG01FND0CH6 1,201,623 2,738 SH   SOLE   0 0 2,738
LOWES COS INC COM 548661107 BBG001S5SVL3 223,649 1,014 SH   SOLE   0 0 1,014
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 512,628 1,162 SH   SOLE   0 0 1,162
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 2,137,146 3,659 SH   SOLE   0 0 3,659
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,599,693 12,922 SH   SOLE   0 0 12,922
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 3,449,004 6,840 SH   SOLE   0 0 6,840
METLIFE INC COM 59156R108 BBG001S5T3R8 826,313 11,773 SH   SOLE   0 0 11,773
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,019,523 6,756 SH   SOLE   0 0 6,756
NETFLIX INC COM 64110L106 BBG001SF6L46 1,685,850 2,498 SH   SOLE   0 0 2,498
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 338,810 4,785 SH   SOLE   0 0 4,785
NIKE INC CL B 654106103 BBG001S6NTK2 741,194 9,834 SH   SOLE   0 0 9,834
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 6,546,919 52,994 SH   SOLE   0 0 52,994
ORACLE CORP COM 68389X105 BBG001S5SJG6 504,824 3,575 SH   SOLE   0 0 3,575
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,574,871 4,646 SH   SOLE   0 0 4,646
PAYCHEX INC COM 704326107 BBG001S5V135 271,390 2,289 SH   SOLE   0 0 2,289
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 881,011 15,182 SH   SOLE   0 0 15,182
PFIZER INC COM 717081103 BBG001S5V466 342,609 12,245 SH   SOLE   0 0 12,245
PHILLIPS 66 COM 718546104 BBG00286S4P7 929,531 6,584 SH   SOLE   0 0 6,584
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,714,320 10,395 SH   SOLE   0 0 10,395
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 465,644 1,692 SH   SOLE   0 0 1,692
SALESFORCE INC COM 79466L302 BBG001SDLP09 2,040,442 7,936 SH   SOLE   0 0 7,936
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 848,983 11,521 SH   SOLE   0 0 11,521
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 23,553,516 452,865 SH   SOLE   0 0 452,865
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 307,116 22,800 SH   SOLE   0 0 22,800
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 799,772 14,320 SH   SOLE   0 0 14,320
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,057,489 1,943 SH   SOLE   0 0 1,943
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 405,449 15,950 SH   SOLE   0 0 15,950
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 17,224,849 214,961 SH   SOLE   0 0 214,961
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 16,798,049 344,646 SH   SOLE   0 0 344,646
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 306,441 3,569 SH   SOLE   0 0 3,569
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 375,513 4,795 SH   SOLE   0 0 4,795
STARBUCKS CORP COM 855244109 BBG001S72KH6 973,869 12,510 SH   SOLE   0 0 12,510
STRYKER CORPORATION COM 863667101 BBG001S8FR03 200,748 590 SH   SOLE   0 0 590
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,268,191 8,430 SH   SOLE   0 0 8,430
TESLA INC COM 88160R101 BBG001SQKGD7 417,131 2,108 SH   SOLE   0 0 2,108
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,547,250 4,681 SH   SOLE   0 0 4,681
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,122,964 2,031 SH   SOLE   0 0 2,031
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,405,258 12,763 SH   SOLE   0 0 12,763
TRANSDIGM GROUP INC COM 893641100 BBG001SPV1C1 900,715 705 SH   SOLE   0 0 705
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,820,271 25,045 SH   SOLE   0 0 25,045
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,296,272 5,729 SH   SOLE   0 0 5,729
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 555,117 1,090 SH   SOLE   0 0 1,090
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,022,249 26,366 SH   SOLE   0 0 26,366
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 829,365 2,217 SH   SOLE   0 0 2,217
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,119,272 120,813 SH   SOLE   0 0 120,813
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 487,627 975 SH   SOLE   0 0 975
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 397,411 1,486 SH   SOLE   0 0 1,486
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,488,501 34,015 SH   SOLE   0 0 34,015
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 560,380 11,183 SH   SOLE   0 0 11,183
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 6,365,169 105,558 SH   SOLE   0 0 105,558
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 380,929 7,708 SH   SOLE   0 0 7,708
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 17,019,939 209,399 SH   SOLE   0 0 209,399
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 365,900 8,872 SH   SOLE   0 0 8,872
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,929,861 11,163 SH   SOLE   0 0 11,163
WALMART INC COM 931142103 BBG001S5XH92 1,954,858 28,871 SH   SOLE   0 0 28,871
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 903,434 10,094 SH   SOLE   0 0 10,094
ZOETIS INC CL A 98978V103 BBG0039320P7 944,703 5,449 SH   SOLE   0 0 5,449