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 303,910 2,269 SH   SOLE   0 0 2,269
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 610,679 2,637 SH   SOLE   0 0 2,637
ADOBE INC COM 00724F101 BBG001S5NCQ5 845,542 2,397 SH   SOLE   0 0 2,397
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 74,233 59,865 SH   SOLE   0 0 59,865
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,833,137 15,768 SH   SOLE   0 0 15,768
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,738,628 7,139 SH   SOLE   0 0 7,139
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,921,379 13,305 SH   SOLE   0 0 13,305
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 8,067,829 81,059 SH   SOLE   0 0 81,059
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 1,159,139 10,303 SH   SOLE   0 0 10,303
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 912,829 4,746 SH   SOLE   0 0 4,746
AMGEN INC COM 031162100 BBG001S5NNL6 6,418,273 22,744 SH   SOLE   0 0 22,744
APPLE INC COM 037833100 BBG001S5N8V8 25,814,770 101,381 SH   SOLE   0 0 101,381
ASTRAZENECA PLC SPONSORED ADR 046353108 BBG001SB80N8 201,390 2,625 SH   SOLE   0 0 2,625
AUTODESK INC COM 052769106 BBG001S5SCD4 851,038 2,679 SH   SOLE   0 0 2,679
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,464,539 28,388 SH   SOLE   0 0 28,388
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 886,833 1,764 SH   SOLE   0 0 1,764
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 2,059,665 1,767 SH   SOLE   0 0 1,767
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 1,430,883 265 SH   SOLE   0 0 265
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 964,292 9,877 SH   SOLE   0 0 9,877
BROADCOM INC COM 11135F101 BBG00KHY5SY8 3,331,279 10,098 SH   SOLE   0 0 10,098
BXP INC COM 101121101 BBG001S9TWV1 902,265 12,137 SH   SOLE   0 0 12,137
CALIFORNIA BANCORP COM 84252A106 BBG001SMZ5M4 380,304 22,800 SH   SOLE   0 0 22,800
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 1,586,906 7,465 SH   SOLE   0 0 7,465
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,074,374 15,703 SH   SOLE   0 0 15,703
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,604,524 24,194 SH   SOLE   0 0 24,194
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 935,359 9,889 SH   SOLE   0 0 9,889
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,698,453 1,835 SH   SOLE   0 0 1,835
CSX CORP COM 126408103 BBG001S5Q7Q3 1,017,463 28,653 SH   SOLE   0 0 28,653
CUE BIOPHARMA INC COM 22978P106 BBG00FVMPFP5 17,968 25,000 SH   SOLE   0 0 25,000
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 1,010,559 17,807 SH   SOLE   0 0 17,807
DISNEY WALT CO COM 254687106 BBG001S5QHF3 282,250 2,465 SH   SOLE   0 0 2,465
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 830,199 13,572 SH   SOLE   0 0 13,572
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,482,562 1,943 SH   SOLE   0 0 1,943
FASTENAL CO COM 311900104 BBG001S5R1F7 246,377 5,024 SH   SOLE   0 0 5,024
FEDEX CORP COM 31428X106 BBG001S5R3M5 707,697 3,001 SH   SOLE   0 0 3,001
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 43,422,735 939,073 SH   SOLE   0 0 939,073
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755 BBG00VC9SZ91 3,668,747 109,777 SH   SOLE   0 0 109,777
FIRST TR EXCHNG TRADED FD VI SMITH UNCONSTRAI 33740F888 BBG00L2NXWJ3 13,821,955 548,742 SH   SOLE   0 0 548,742
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 1,012,203 22,091 SH   SOLE   0 0 22,091
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 16,124,598 368,310 SH   SOLE   0 0 368,310
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 239,049 2,385 SH   SOLE   0 0 2,385
GOLDMAN SACHS ETF TR ULTRA SHORT BOND 381430230 BBG00NW3TGY3 310,441 6,123 SH   SOLE   0 0 6,123
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 1,910,017 2,398 SH   SOLE   0 0 2,398
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,304,684 6,198 SH   SOLE   0 0 6,198
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 326,459 1,157 SH   SOLE   0 0 1,157
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 408,321 913 SH   SOLE   0 0 913
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 7,631,532 40,229 SH   SOLE   0 0 40,229
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 228,032 380 SH   SOLE   0 0 380
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 10,595,877 185,762 SH   SOLE   0 0 185,762
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 514,169 5,889 SH   SOLE   0 0 5,889
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 23,513,559 197,876 SH   SOLE   0 0 197,876
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 874,106 1,306 SH   SOLE   0 0 1,306
ISHARES TR ESG SELECT SCRE 46436E569 BBG00XDJC7F6 506,814 9,837 SH   SOLE   0 0 9,837
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 174,351 11,263 SH   SOLE   0 0 11,263
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 897,204 3,708 SH   SOLE   0 0 3,708
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 358,938 2,973 SH   SOLE   0 0 2,973
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 459,408 2,225 SH   SOLE   0 0 2,225
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 280,775 5,550 SH   SOLE   0 0 5,550
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 1,710,235 15,555 SH   SOLE   0 0 15,555
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 2,879,258 9,128 SH   SOLE   0 0 9,128
LINDE PLC SHS G54950103 BBG01FND0CH6 1,295,024 2,726 SH   SOLE   0 0 2,726
LOWES COS INC COM 548661107 BBG001S5SVL3 332,349 1,322 SH   SOLE   0 0 1,322
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 517,048 909 SH   SOLE   0 0 909
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 2,490,904 3,224 SH   SOLE   0 0 3,224
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,225,590 14,603 SH   SOLE   0 0 14,603
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 5,768,690 7,855 SH   SOLE   0 0 7,855
METLIFE INC COM 59156R108 BBG001S5T3R8 928,636 11,274 SH   SOLE   0 0 11,274
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,546,248 6,847 SH   SOLE   0 0 6,847
NETFLIX INC COM 64110L106 BBG001SF6L46 2,233,588 1,863 SH   SOLE   0 0 1,863
NEUROCRINE BIOSCIENCES INC COM 64125C109 BBG001S8W4X9 506,631 3,609 SH   SOLE   0 0 3,609
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 383,548 5,081 SH   SOLE   0 0 5,081
NIKE INC CL B 654106103 BBG001S6NTK2 1,237,179 17,742 SH   SOLE   0 0 17,742
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 8,748,152 46,887 SH   SOLE   0 0 46,887
ORACLE CORP COM 68389X105 BBG001S5SJG6 807,258 2,870 SH   SOLE   0 0 2,870
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 243,713 1,336 SH   SOLE   0 0 1,336
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,431,754 7,032 SH   SOLE   0 0 7,032
PAYCHEX INC COM 704326107 BBG001S5V135 310,568 2,450 SH   SOLE   0 0 2,450
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 1,032,791 15,401 SH   SOLE   0 0 15,401
PEPSICO INC COM 713448108 BBG001S695T1 216,484 1,541 SH   SOLE   0 0 1,541
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 270,258 1,666 SH   SOLE   0 0 1,666
PHILLIPS 66 COM 718546104 BBG00286S4P7 1,064,846 7,829 SH   SOLE   0 0 7,829
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,626,525 10,586 SH   SOLE   0 0 10,586
PROSPECT CAP CORP COM 74348T102 BBG001SM4WF7 27,695 10,071 SH   SOLE   0 0 10,071
RESEARCH SOLUTIONS INC COM 761025105 BBG001T30MS0 535,553 143,580 SH   SOLE   0 0 143,580
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 428,123 1,225 SH   SOLE   0 0 1,225
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,454,341 6,136 SH   SOLE   0 0 6,136
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 975,177 10,214 SH   SOLE   0 0 10,214
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 7,441,289 272,575 SH   SOLE   0 0 272,575
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 17,453,467 647,624 SH   SOLE   0 0 647,624
SIMULATIONS PLUS INC COM 829214105 BBG001S9TQV4 527,540 35,006 SH   SOLE   0 0 35,006
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,167,971 1,753 SH   SOLE   0 0 1,753
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 19,647,913 188,000 SH   SOLE   0 0 188,000
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 BBG001SG4284 18,885,006 341,316 SH   SOLE   0 0 341,316
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 BBG001SG4275 250,865 2,660 SH   SOLE   0 0 2,660
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 239,710 2,704 SH   SOLE   0 0 2,704
STANLEY BLACK & DECKER INC COM 854502101 BBG001S5WHT1 601,107 8,087 SH   SOLE   0 0 8,087
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,066,711 12,609 SH   SOLE   0 0 12,609
STRYKER CORPORATION COM 863667101 BBG001S8FR03 218,105 590 SH   SOLE   0 0 590
TE CONNECTIVITY PLC ORD SHS G87052109 BBG01Q08MMX4 1,801,585 8,207 SH   SOLE   0 0 8,207
TESLA INC COM 88160R101 BBG001SQKGD7 491,416 1,105 SH   SOLE   0 0 1,105
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,363,676 4,731 SH   SOLE   0 0 4,731
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,075,150 2,217 SH   SOLE   0 0 2,217
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,566,813 10,840 SH   SOLE   0 0 10,840
TRANSDIGM GROUP INC COM 893641100 BBG001SPV1C1 1,010,921 767 SH   SOLE   0 0 767
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 2,294,751 23,423 SH   SOLE   0 0 23,423
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,380,049 5,839 SH   SOLE   0 0 5,839
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 944,975 11,313 SH   SOLE   0 0 11,313
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 396,842 1,149 SH   SOLE   0 0 1,149
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,064,656 26,165 SH   SOLE   0 0 26,165
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 718,213 1,497 SH   SOLE   0 0 1,497
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 11,288,868 123,484 SH   SOLE   0 0 123,484
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 624,872 1,020 SH   SOLE   0 0 1,020
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 403,844 1,231 SH   SOLE   0 0 1,231
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,031,168 37,489 SH   SOLE   0 0 37,489
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,575,252 31,461 SH   SOLE   0 0 31,461
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 216,291 2,706 SH   SOLE   0 0 2,706
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 21,518,780 240,245 SH   SOLE   0 0 240,245
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 335,815 7,641 SH   SOLE   0 0 7,641
VISA INC COM CL A 92826C839 BBG001SRCFY3 3,579,868 10,486 SH   SOLE   0 0 10,486
WALMART INC COM 931142103 BBG001S5XH92 2,527,596 24,525 SH   SOLE   0 0 24,525
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 1,032,436 8,049 SH   SOLE   0 0 8,049
ZOETIS INC CL A 98978V103 BBG0039320P7 803,091 5,489 SH   SOLE   0 0 5,489