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 314,778 2,373 SH   SOLE   0 0 2,373
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 578,047 2,759 SH   SOLE   0 0 2,759
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 87,403 59,865 SH   SOLE   0 0 59,865
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,484,273 16,065 SH   SOLE   0 0 16,065
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,293,711 8,281 SH   SOLE   0 0 8,281
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,716,342 14,277 SH   SOLE   0 0 14,277
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 6,683,886 76,676 SH   SOLE   0 0 76,676
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 1,138,801 10,422 SH   SOLE   0 0 10,422
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 1,037,333 4,767 SH   SOLE   0 0 4,767
AMGEN INC COM 031162100 BBG001S5NNL6 7,094,492 22,772 SH   SOLE   0 0 22,772
APPLE INC COM 037833100 BBG001S5N8V8 22,665,091 102,035 SH   SOLE   0 0 102,035
AUTODESK INC COM 052769106 BBG001S5SCD4 722,568 2,760 SH   SOLE   0 0 2,760
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,240,870 29,736 SH   SOLE   0 0 29,736
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 984,208 1,848 SH   SOLE   0 0 1,848
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 1,721,939 1,819 SH   SOLE   0 0 1,819
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 1,515,722 329 SH   SOLE   0 0 329
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 1,134,900 11,250 SH   SOLE   0 0 11,250
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,957,287 11,690 SH   SOLE   0 0 11,690
BXP INC COM 101121101 BBG001S9TWV1 806,146 11,998 SH   SOLE   0 0 11,998
CALIFORNIA BANCORP COM 84252A106 BBG001SMZ5M4 326,724 22,800 SH   SOLE   0 0 22,800
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 1,479,912 8,254 SH   SOLE   0 0 8,254
CISCO SYS INC COM 17275R102 BBG001S6HC62 998,168 16,175 SH   SOLE   0 0 16,175
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,770,797 24,725 SH   SOLE   0 0 24,725
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 1,030,268 9,810 SH   SOLE   0 0 9,810
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,727,754 1,827 SH   SOLE   0 0 1,827
CSX CORP COM 126408103 BBG001S5Q7Q3 850,931 28,914 SH   SOLE   0 0 28,914
CUE BIOPHARMA INC COM 22978P106 BBG00FVMPFP5 22,775 25,000 SH   SOLE   0 0 25,000
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 793,309 18,195 SH   SOLE   0 0 18,195
DISNEY WALT CO COM 254687106 BBG001S5QHF3 256,390 2,598 SH   SOLE   0 0 2,598
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 762,103 13,592 SH   SOLE   0 0 13,592
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,594,048 1,930 SH   SOLE   0 0 1,930
FEDEX CORP COM 31428X106 BBG001S5R3M5 707,386 2,902 SH   SOLE   0 0 2,902
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 39,604,488 867,568 SH   SOLE   0 0 867,568
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755 BBG00VC9SZ91 2,166,034 72,955 SH   SOLE   0 0 72,955
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 14,204,688 573,927 SH   SOLE   0 0 573,927
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 869,450 21,510 SH   SOLE   0 0 21,510
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 13,705,721 353,149 SH   SOLE   0 0 353,149
GOLDMAN SACHS ETF TR ULTRA SHORT BOND 381430230 BBG00NW3TGY3 308,237 6,099 SH   SOLE   0 0 6,099
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,420,373 2,600 SH   SOLE   0 0 2,600
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,356,948 6,408 SH   SOLE   0 0 6,408
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 287,700 1,157 SH   SOLE   0 0 1,157
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 560,150 1,131 SH   SOLE   0 0 1,131
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 6,681,618 38,571 SH   SOLE   0 0 38,571
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 11,121,657 197,613 SH   SOLE   0 0 197,613
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 647,791 8,563 SH   SOLE   0 0 8,563
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 20,008,507 191,341 SH   SOLE   0 0 191,341
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 752,384 1,339 SH   SOLE   0 0 1,339
ISHARES TR ESG SELECT SCRE 46436E569 BBG00XDJC7F6 420,254 9,823 SH   SOLE   0 0 9,823
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 470,157 4,459 SH   SOLE   0 0 4,459
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 753,088 3,775 SH   SOLE   0 0 3,775
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 308,410 3,322 SH   SOLE   0 0 3,322
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 536,221 2,814 SH   SOLE   0 0 2,814
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 1,418,321 17,705 SH   SOLE   0 0 17,705
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 2,345,339 9,561 SH   SOLE   0 0 9,561
LINDE PLC SHS G54950103 BBG01FND0CH6 1,284,406 2,758 SH   SOLE   0 0 2,758
LOWES COS INC COM 548661107 BBG001S5SVL3 274,387 1,176 SH   SOLE   0 0 1,176
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 626,501 1,143 SH   SOLE   0 0 1,143
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 2,386,614 3,546 SH   SOLE   0 0 3,546
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,267,266 14,118 SH   SOLE   0 0 14,118
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 4,823,413 8,369 SH   SOLE   0 0 8,369
METLIFE INC COM 59156R108 BBG001S5T3R8 940,065 11,708 SH   SOLE   0 0 11,708
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,559,878 6,819 SH   SOLE   0 0 6,819
NETFLIX INC COM 64110L106 BBG001SF6L46 1,962,976 2,105 SH   SOLE   0 0 2,105
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 339,193 4,785 SH   SOLE   0 0 4,785
NIKE INC CL B 654106103 BBG001S6NTK2 739,797 11,654 SH   SOLE   0 0 11,654
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 5,271,905 48,643 SH   SOLE   0 0 48,643
ORACLE CORP COM 68389X105 BBG001S5SJG6 464,400 3,322 SH   SOLE   0 0 3,322
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,341,998 7,865 SH   SOLE   0 0 7,865
PAYCHEX INC COM 704326107 BBG001S5V135 353,154 2,289 SH   SOLE   0 0 2,289
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 1,010,984 15,494 SH   SOLE   0 0 15,494
PEPSICO INC COM 713448108 BBG001S695T1 226,902 1,513 SH   SOLE   0 0 1,513
PFIZER INC COM 717081103 BBG001S5V466 233,811 9,227 SH   SOLE   0 0 9,227
PHILLIPS 66 COM 718546104 BBG00286S4P7 915,496 7,414 SH   SOLE   0 0 7,414
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,819,677 10,678 SH   SOLE   0 0 10,678
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 443,202 1,715 SH   SOLE   0 0 1,715
SALESFORCE INC COM 79466L302 BBG001SDLP09 2,069,476 7,712 SH   SOLE   0 0 7,712
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 885,421 11,311 SH   SOLE   0 0 11,311
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 7,149,196 255,694 SH   SOLE   0 0 255,694
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 27,663,977 1,028,783 SH   SOLE   0 0 1,028,783
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 563,119 10,575 SH   SOLE   0 0 10,575
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,041,427 1,862 SH   SOLE   0 0 1,862
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 15,854,894 197,274 SH   SOLE   0 0 197,274
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 17,679,478 346,181 SH   SOLE   0 0 346,181
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 370,262 4,461 SH   SOLE   0 0 4,461
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 396,223 5,054 SH   SOLE   0 0 5,054
STANLEY BLACK & DECKER INC COM 854502101 BBG001S5WHT1 545,233 7,092 SH   SOLE   0 0 7,092
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,223,855 12,477 SH   SOLE   0 0 12,477
STRYKER CORPORATION COM 863667101 BBG001S8FR03 219,628 590 SH   SOLE   0 0 590
TE CONNECTIVITY PLC ORD SHS G87052109 BBG01Q08MMX4 1,222,214 8,649 SH   SOLE   0 0 8,649
TESLA INC COM 88160R101 BBG001SQKGD7 291,555 1,125 SH   SOLE   0 0 1,125
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,570,560 4,774 SH   SOLE   0 0 4,774
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,065,708 2,142 SH   SOLE   0 0 2,142
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,358,656 11,155 SH   SOLE   0 0 11,155
TRANSDIGM GROUP INC COM 893641100 BBG001SPV1C1 1,076,200 778 SH   SOLE   0 0 778
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,852,611 25,427 SH   SOLE   0 0 25,427
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,383,967 5,858 SH   SOLE   0 0 5,858
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 1,253,666 11,398 SH   SOLE   0 0 11,398
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 566,095 1,081 SH   SOLE   0 0 1,081
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,345,245 29,960 SH   SOLE   0 0 29,960
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 655,422 1,767 SH   SOLE   0 0 1,767
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,635,752 117,470 SH   SOLE   0 0 117,470
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 460,463 896 SH   SOLE   0 0 896
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 362,952 1,321 SH   SOLE   0 0 1,321
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,699,582 37,552 SH   SOLE   0 0 37,552
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,009,221 20,339 SH   SOLE   0 0 20,339
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 213,612 2,706 SH   SOLE   0 0 2,706
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 310,063 6,100 SH   SOLE   0 0 6,100
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 19,665,637 237,107 SH   SOLE   0 0 237,107
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 345,986 7,628 SH   SOLE   0 0 7,628
VISA INC COM CL A 92826C839 BBG001SRCFY3 3,784,671 10,799 SH   SOLE   0 0 10,799
WALMART INC COM 931142103 BBG001S5XH92 2,345,987 26,723 SH   SOLE   0 0 26,723
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 689,016 8,252 SH   SOLE   0 0 8,252
ZOETIS INC CL A 98978V103 BBG0039320P7 963,284 5,850 SH   SOLE   0 0 5,850