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   244,853 1,580 SH   SOLE   1,580 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   1,214,153 62,714 SH   SOLE   62,714 0 0
ADOBE INC COM 00724F101   772,597 1,295 SH   SOLE   1,295 0 0
ADVANCED MICRO DEVICES INC COM 007903107   480,851 3,262 SH   SOLE   3,262 0 0
ALPHABET INC CAP STK CL A 02079K305   409,571 2,932 SH   SOLE   2,932 0 0
ALPHABET INC CAP STK CL C 02079K107   878,417 6,233 SH   SOLE   6,233 0 0
AMAZON COM INC COM 023135106   894,927 5,890 SH   SOLE   5,890 0 0
AMERIPRISE FINL INC COM 03076C106   250,688 660 SH   SOLE   660 0 0
AMPHENOL CORP NEW CL A 032095101   393,744 3,972 SH   SOLE   3,972 0 0
ANALOG DEVICES INC COM 032654105   224,174 1,129 SH   SOLE   1,129 0 0
APPLE INC COM 037833100   2,010,229 10,441 SH   SOLE   10,441 0 0
APPLIED MATLS INC COM 038222105   231,112 1,426 SH   SOLE   1,426 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   234,984 3,489 SH   SOLE   3,489 0 0
BANK AMERICA CORP COM 060505104   251,670 7,475 SH   SOLE   7,475 0 0
CONSTELLATION ENERGY CORP COM 21037T109   312,330 2,672 SH   SOLE   2,672 0 0
COSTCO WHSL CORP NEW COM 22160K105   534,005 809 SH   SOLE   809 0 0
DANAHER CORPORATION COM 235851102   366,674 1,585 SH   SOLE   1,585 0 0
DBX ETF TR XTRACK USD HIGH 233051432   4,280,280 120,402 SH   SOLE   120,402 0 0
DEXCOM INC COM 252131107   496,856 4,004 SH   SOLE   4,004 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   759,320 21,541 SH   SOLE   21,541 0 0
ELI LILLY & CO COM 532457108   205,771 353 SH   SOLE   353 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   158,700 11,500 SH   SOLE   11,500 0 0
EXELON CORP COM 30161N101   283,718 7,903 SH   SOLE   7,903 0 0
EXXON MOBIL CORP COM 30231G102   486,003 4,861 SH   SOLE   4,861 0 0
INTUIT COM 461202103   496,899 795 SH   SOLE   795 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   402,470 1,193 SH   SOLE   1,193 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   422,549 19,950 SH   SOLE   19,950 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,939,870 12,293 SH   SOLE   12,293 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,219,811 2,979 SH   SOLE   2,979 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   631,708 6,295 SH   SOLE   6,295 0 0
ISHARES INC CORE MSCI EMKT 46434G103   4,291,121 84,838 SH   SOLE   84,838 0 0
ISHARES TR CORE MSCI EAFE 46432F842   11,306,498 160,718 SH   SOLE   160,718 0 0
ISHARES TR USD INV GRDE ETF 464288620   225,852 4,406 SH   SOLE   4,406 0 0
ISHARES TR NATIONAL MUN ETF 464288414   8,370,943 77,216 SH   SOLE   77,216 0 0
ISHARES TR JPMORGAN USD EMG 464288281   902,563 10,134 SH   SOLE   10,134 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   882,964 3,501 SH   SOLE   3,501 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,085,242 6,987 SH   SOLE   6,987 0 0
ISHARES TR CORE MSCI INTL 46435G326   4,744,457 74,528 SH   SOLE   74,528 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   845,974 10,842 SH   SOLE   10,842 0 0
JOHNSON & JOHNSON COM 478160104   351,568 2,243 SH   SOLE   2,243 0 0
JPMORGAN CHASE & CO COM 46625H100   442,282 2,600 SH   SOLE   2,600 0 0
KIMBERLY-CLARK CORP COM 494368103   293,933 2,419 SH   SOLE   2,419 0 0
LIGHTWAVE LOGIC INC COM 532275104   52,355 10,513 SH   SOLE   10,513 0 0
MARATHON PETE CORP COM 56585A102   238,563 1,608 SH   SOLE   1,608 0 0
MASTERCARD INCORPORATED CL A 57636Q104   574,509 1,347 SH   SOLE   1,347 0 0
MERCK & CO INC COM 58933Y105   334,473 3,068 SH   SOLE   3,068 0 0
META PLATFORMS INC CL A 30303M102   462,272 1,306 SH   SOLE   1,306 0 0
MICROSOFT CORP COM 594918104   1,594,094 4,239 SH   SOLE   4,239 0 0
NVIDIA CORPORATION COM 67066G104   343,683 694 SH   SOLE   694 0 0
POPULAR INC COM NEW 733174700   504,566 6,148 SH   SOLE   6,148 0 0
ROPER TECHNOLOGIES INC COM 776696106   203,894 374 SH   SOLE   374 0 0
SALESFORCE INC COM 79466L302   361,554 1,374 SH   SOLE   1,374 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   30,559,427 541,834 SH   SOLE   541,834 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   6,467,961 136,917 SH   SOLE   136,917 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,847,102 70,481 SH   SOLE   70,481 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,149,281 44,926 SH   SOLE   44,926 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   708,625 14,626 SH   SOLE   14,626 0 0
SEMLER SCIENTIFIC INC COM 81684M104   265,740 6,000 SH   SOLE   6,000 0 0
SLM CORP COM 78442P106   243,990 12,761 SH   SOLE   12,761 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   260,687 7,665 SH   SOLE   7,665 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,258,197 13,282 SH   SOLE   13,282 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   753,948 29,800 SH   SOLE   29,800 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   225,055 424 SH   SOLE   424 0 0
UNITEDHEALTH GROUP INC COM 91324P102   427,494 812 SH   SOLE   812 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,586,210 141,468 SH   SOLE   141,468 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   3,908,939 75,711 SH   SOLE   75,711 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   846,416 10,990 SH   SOLE   10,990 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   419,505 5,492 SH   SOLE   5,492 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,976,107 176,426 SH   SOLE   176,426 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   392,757 5,266 SH   SOLE   5,266 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   909,680 18,428 SH   SOLE   18,428 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,785,423 4,088 SH   SOLE   4,088 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,537,351 117,307 SH   SOLE   117,307 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,957,498 21,990 SH   SOLE   21,990 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   514,402 2,411 SH   SOLE   2,411 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   17,290,337 55,617 SH   SOLE   55,617 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,890,721 16,093 SH   SOLE   16,093 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,025,912 170,947 SH   SOLE   170,947 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,905,857 40,132 SH   SOLE   40,132 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,040,857 39,978 SH   SOLE   39,978 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   636,939 13,739 SH   SOLE   13,739 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   208,229 1,222 SH   SOLE   1,222 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   28,012,835 584,819 SH   SOLE   584,819 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,869,728 45,015 SH   SOLE   45,015 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   464,604 4,162 SH   SOLE   4,162 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   206,747 5,484 SH   SOLE   5,484 0 0
VISA INC COM CL A 92826C839   542,309 2,083 SH   SOLE   2,083 0 0
WISDOMTREE TR BLMBG US BULL 97717W471   625,348 24,904 SH   SOLE   24,904 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   29,478 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103   473,293 2,398 SH   SOLE   2,398 0 0