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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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
ABBVIE INC COM 00287Y109   241,477 1,620 SH   SOLE   1,620 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   843,703 39,967 SH   SOLE   39,967 0 0
ADOBE INC COM 00724F101   788,305 1,546 SH   SOLE   1,546 0 0
ADVANCED MICRO DEVICES INC COM 007903107   443,874 4,317 SH   SOLE   4,317 0 0
ALPHABET INC CAP STK CL A 02079K305   338,927 2,590 SH   SOLE   2,590 0 0
ALPHABET INC CAP STK CL C 02079K107   824,063 6,250 SH   SOLE   6,250 0 0
AMAZON COM INC COM 023135106   740,347 5,824 SH   SOLE   5,824 0 0
AMERIPRISE FINL INC COM 03076C106   217,918 661 SH   SOLE   661 0 0
AMPHENOL CORP NEW CL A 032095101   329,577 3,924 SH   SOLE   3,924 0 0
APPLE INC COM 037833100   1,800,014 10,513 SH   SOLE   10,513 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   111,950 14,887 SH   SOLE   14,887 0 0
BANK AMERICA CORP COM 060505104   209,446 7,650 SH   SOLE   7,650 0 0
COSTCO WHSL CORP NEW COM 22160K105   458,748 812 SH   SOLE   812 0 0
DANAHER CORPORATION COM 235851102   402,914 1,624 SH   SOLE   1,624 0 0
DBX ETF TR XTRACK USD HIGH 233051432   2,834,352 83,609 SH   SOLE   83,609 0 0
DEXCOM INC COM 252131107   372,827 3,996 SH   SOLE   3,996 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   633,372 21,514 SH   SOLE   21,514 0 0
EXXON MOBIL CORP COM 30231G102   489,921 4,167 SH   SOLE   4,167 0 0
INTUIT COM 461202103   403,643 790 SH   SOLE   790 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   342,564 1,172 SH   SOLE   1,172 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   399,352 19,026 SH   SOLE   19,026 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,184,206 15,415 SH   SOLE   15,415 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,062,562 2,966 SH   SOLE   2,966 0 0
ISHARES INC CORE MSCI EMKT 46434G103   3,746,260 78,719 SH   SOLE   78,719 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   603,436 6,324 SH   SOLE   6,324 0 0
ISHARES TR CORE MSCI EAFE 46432F842   9,880,604 153,545 SH   SOLE   153,545 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   786,192 10,862 SH   SOLE   10,862 0 0
ISHARES TR CORE MSCI INTL 46435G326   4,640,869 79,631 SH   SOLE   79,631 0 0
ISHARES TR USD INV GRDE ETF 464288620   211,796 4,406 SH   SOLE   4,406 0 0
ISHARES TR NATIONAL MUN ETF 464288414   10,030,258 97,818 SH   SOLE   97,818 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,317,302 15,963 SH   SOLE   15,963 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   786,219 3,508 SH   SOLE   3,508 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,049,461 7,742 SH   SOLE   7,742 0 0
JOHNSON & JOHNSON COM 478160104   372,866 2,394 SH   SOLE   2,394 0 0
JPMORGAN CHASE & CO COM 46625H100   388,737 2,681 SH   SOLE   2,681 0 0
KIMBERLY-CLARK CORP COM 494368103   293,786 2,431 SH   SOLE   2,431 0 0
LIGHTWAVE LOGIC INC COM 532275104   46,993 10,513 SH   SOLE   10,513 0 0
MARATHON PETE CORP COM 56585A102   251,376 1,661 SH   SOLE   1,661 0 0
MASTERCARD INCORPORATED CL A 57636Q104   532,103 1,344 SH   SOLE   1,344 0 0
MERCK & CO INC COM 58933Y105   321,101 3,119 SH   SOLE   3,119 0 0
META PLATFORMS INC CL A 30303M102   490,843 1,635 SH   SOLE   1,635 0 0
MICROSOFT CORP COM 594918104   1,364,305 4,321 SH   SOLE   4,321 0 0
NVIDIA CORPORATION COM 67066G104   304,493 700 SH   SOLE   700 0 0
POPULAR INC COM NEW 733174700   387,385 6,148 SH   SOLE   6,148 0 0
SALESFORCE INC COM 79466L302   289,773 1,429 SH   SOLE   1,429 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,503,781 523,790 SH   SOLE   523,790 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,541,563 133,790 SH   SOLE   133,790 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,116,967 70,365 SH   SOLE   70,365 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,665,776 41,356 SH   SOLE   41,356 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   714,580 14,921 SH   SOLE   14,921 0 0
SLM CORP COM 78442P106   173,927 12,770 SH   SOLE   12,770 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,856,772 20,540 SH   SOLE   20,540 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   432,710 18,166 SH   SOLE   18,166 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   203,736 2,219 SH   SOLE   2,219 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   210,037 2,417 SH   SOLE   2,417 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   221,196 437 SH   SOLE   437 0 0
UNITEDHEALTH GROUP INC COM 91324P102   399,318 792 SH   SOLE   792 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,248,589 136,095 SH   SOLE   136,095 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   4,902,569 99,910 SH   SOLE   99,910 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,566,143 20,835 SH   SOLE   20,835 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   736,134 10,180 SH   SOLE   10,180 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,229,823 160,932 SH   SOLE   160,932 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   654,041 9,753 SH   SOLE   9,753 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,594,436 33,335 SH   SOLE   33,335 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,593,011 4,057 SH   SOLE   4,057 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   755,695 3,997 SH   SOLE   3,997 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   16,705,908 61,349 SH   SOLE   61,349 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,547,416 16,563 SH   SOLE   16,563 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,178,229 124,543 SH   SOLE   124,543 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,531,542 22,143 SH   SOLE   22,143 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,726,969 171,563 SH   SOLE   171,563 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,770,929 37,456 SH   SOLE   37,456 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   718,203 14,931 SH   SOLE   14,931 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   971,793 22,197 SH   SOLE   22,197 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   25,532,378 583,998 SH   SOLE   583,998 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,053,148 34,705 SH   SOLE   34,705 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   430,018 4,162 SH   SOLE   4,162 0 0
VISA INC COM CL A 92826C839   474,051 2,061 SH   SOLE   2,061 0 0
WISDOMTREE TR BLMBG US BULL 97717W471   431,507 15,623 SH   SOLE   15,623 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   23,332 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103   417,204 2,398 SH   SOLE   2,398 0 0