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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
ABBOTT LABS COM 002824100   283,676 2,551 SH   SOLE   2,551 0 0
ABBVIE INC COM 00287Y109   422,879 2,583 SH   SOLE   2,583 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   970,629 2,843 SH   SOLE   2,843 0 0
THE ALGER ETF TRUST MID CAP 40 ETF 015564107   1,770,725 151,863 SH   SOLE   151,863 0 0
EA SERIES TRUST STRIVE 2000 ETF 02072L573   455,970 18,480 SH   SOLE   18,480 0 0
EA SERIES TRUST STRIVE 500 ETF 02072L680   307,830 12,660 SH   SOLE   12,660 0 0
EA SERIES TRUST STRIVE US ENERGY 02072L722   752,183 26,476 SH   SOLE   26,476 0 0
ALPHABET INC CAP STK CL C 02079K107   1,548,877 17,460 SH   SOLE   17,460 0 0
ALPHABET INC CAP STK CL A 02079K305   1,497,888 17,006 SH   SOLE   17,006 0 0
AMAZON COM INC COM 023135106   2,472,551 29,041 SH   SOLE   29,041 0 0
AMERICAN EXPRESS CO COM 025816109   485,341 3,224 SH   SOLE   3,224 0 0
AMGEN INC COM 031162100   591,498 2,237 SH   SOLE   2,237 0 0
APPLE INC COM 037833100   8,486,329 67,160 SH   SOLE   67,160 0 0
ARES CAPITAL CORP COM 04010L103   2,706,649 143,513 SH   SOLE   143,513 0 0
BANK AMERICA CORP COM 060505104   506,822 14,845 SH   SOLE   14,845 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,428,780 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,382,133 4,394 SH   SOLE   4,394 0 0
BOEING CO COM 097023105   1,786,102 8,771 SH   SOLE   8,771 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   4,248,925 200,516 SH   SOLE   200,516 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   269,497 13,408 SH   SOLE   13,408 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   3,123,001 146,551 SH   SOLE   146,551 0 0
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   582,112 25,923 SH   SOLE   25,923 0 0
CATERPILLAR INC COM 149123101   713,343 2,956 SH   SOLE   2,956 0 0
CHEVRON CORP NEW COM 166764100   1,109,242 6,444 SH   SOLE   6,444 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,253,576 4,936 SH   SOLE   4,936 0 0
DISNEY WALT CO COM 254687106   631,202 6,862 SH   SOLE   6,862 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   756,824 9,897 SH   SOLE   9,897 0 0
EXXON MOBIL CORP COM 30231G102   807,850 7,563 SH   SOLE   7,563 0 0
FIDELITY COVINGTON TRUST FIDELITY GROWTH 316092337   1,659,436 132,226 SH   SOLE   132,226 0 0
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535   474,663 19,374 SH   SOLE   19,374 0 0
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543   388,177 17,703 SH   SOLE   17,703 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   715,554 15,542 SH   SOLE   15,542 0 0
FORD MTR CO DEL COM 345370860   163,529 13,616 SH   SOLE   13,616 0 0
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   3,009,015 226,072 SH   SOLE   226,072 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   201,224 579 SH   SOLE   579 0 0
HEALTHCARE RLTY TR CL A COM 42226K105   339,607 16,804 SH   SOLE   16,804 0 0
HOME DEPOT INC COM 437076102   1,769,056 5,533 SH   SOLE   5,533 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   321,779 2,257 SH   SOLE   2,257 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,782,513 6,708 SH   SOLE   6,708 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   297,000 1,100 SH   SOLE   1,100 0 0
ISHARES GOLD TR ISHARES NEW 464285204   2,079,608 59,063 SH   SOLE   59,063 0 0
ISHARES TR CORE S&P500 ETF 464287200   21,046,418 54,594 SH   SOLE   54,594 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   5,116,766 88,327 SH   SOLE   88,327 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   856,149 8,014 SH   SOLE   8,014 0 0
ISHARES TR RUS MD CP GR ETF 464287481   255,542 3,040 SH   SOLE   3,040 0 0
ISHARES TR CORE S&P MCP ETF 464287507   15,797,697 64,649 SH   SOLE   64,649 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   931,009 4,363 SH   SOLE   4,363 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   443,115 3,161 SH   SOLE   3,161 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   557,349 3,175 SH   SOLE   3,175 0 0
ISHARES TR CORE S&P SCP ETF 464287804   8,623,386 90,165 SH   SOLE   90,165 0 0
ISHARES TR S&P SML 600 GWT 464287887   879,956 8,116 SH   SOLE   8,116 0 0
ISHARES TR CALIF MUN BD ETF 464288356   500,477 8,847 SH   SOLE   8,847 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   520,522 10,419 SH   SOLE   10,419 0 0
ISHARES TR SHORT TREAS BD 464288679   2,947,727 26,810 SH   SOLE   26,810 0 0
ISHARES TR US TREAS BD ETF 46429B267   534,804 23,303 SH   SOLE   23,303 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,095,895 15,101 SH   SOLE   15,101 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   2,941,673 59,681 SH   SOLE   59,681 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   377,712 12,060 SH   SOLE   12,060 0 0
ISHARES TR MSCI INTL SML CP 46434V266   2,053,038 68,275 SH   SOLE   68,275 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   443,975 10,768 SH   SOLE   10,768 0 0
ISHARES TR GLOBAL REIT ETF 46434V647   498,971 21,600 SH   SOLE   21,600 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   235,197 2,766 SH   SOLE   2,766 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532   1,121,257 13,884 SH   SOLE   13,884 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   590,332 12,486 SH   SOLE   12,486 0 0
JPMORGAN CHASE & CO COM 46625H100   1,076,205 7,891 SH   SOLE   7,891 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   393,203 7,183 SH   SOLE   7,183 0 0
JOHNSON & JOHNSON COM 478160104   572,351 3,177 SH   SOLE   3,177 0 0
KKR & CO INC COM 48251W104   463,540 9,637 SH   SOLE   9,637 0 0
LENNAR CORP CL A 526057104   210,429 2,248 SH   SOLE   2,248 0 0
LOCKHEED MARTIN CORP COM 539830109   433,030 909 SH   SOLE   909 0 0
MACERICH CO COM 554382101   591,589 50,477 SH   SOLE   50,477 0 0
MASTERCARD INCORPORATED CL A 57636Q104   705,338 1,986 SH   SOLE   1,986 0 0
MCDONALDS CORP COM 580135101   1,188,652 4,496 SH   SOLE   4,496 0 0
MICROSOFT CORP COM 594918104   3,320,427 14,493 SH   SOLE   14,493 0 0
NIKE INC CL B 654106103   564,806 4,660 SH   SOLE   4,660 0 0
NVIDIA CORPORATION COM 67066G104   1,043,544 7,075 SH   SOLE   7,075 0 0
OCCIDENTAL PETE CORP COM 674599105   303,043 4,959 SH   SOLE   4,959 0 0
PACER FDS TR GLOBL CASH ETF 69374H709   6,717,913 209,150 SH   SOLE   209,150 0 0
PACER FDS TR PACER US SMALL 69374H857   4,272,970 119,057 SH   SOLE   119,057 0 0
PACER FDS TR US CASH COWS 100 69374H881   2,819,007 61,017 SH   SOLE   61,017 0 0
PALO ALTO NETWORKS INC COM 697435105   326,816 2,359 SH   SOLE   2,359 0 0
PEPSICO INC COM 713448108   514,030 2,872 SH   SOLE   2,872 0 0
PRICE T ROWE GROUP INC COM 74144T108   237,257 2,131 SH   SOLE   2,131 0 0
PROCTER AND GAMBLE CO COM 742718109   357,681 2,350 SH   SOLE   2,350 0 0
QUALCOMM INC COM 747525103   288,920 2,591 SH   SOLE   2,591 0 0
RWT HLDGS INC NOTE 5.750%10/0 749772AD1   416,250 500,000 SH   SOLE   500,000 0 0
REALTY INCOME CORP COM 756109104   790,059 12,228 SH   SOLE   12,228 0 0
ROCKET LAB USA INC COM 773122106   62,297 15,420 SH   SOLE   15,420 0 0
ROCKWELL AUTOMATION INC COM 773903109   682,532 2,620 SH   SOLE   2,620 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   651,303 1,697 SH   SOLE   1,697 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,263,369 7,317 SH   SOLE   7,317 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   397,160 13,386 SH   SOLE   13,386 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   995,142 32,865 SH   SOLE   32,865 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   669,400 13,337 SH   SOLE   13,337 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   208,580 7,087 SH   SOLE   7,087 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   420,554 10,628 SH   SOLE   10,628 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,350,535 10,649 SH   SOLE   10,649 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   970,818 22,609 SH   SOLE   22,609 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   962,573 21,329 SH   SOLE   21,329 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   242,772 730 SH   SOLE   730 0 0
SPDR SER TR S&P OILGAS EXP 78468R556   291,867 2,267 SH   SOLE   2,267 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   771,067 20,633 SH   SOLE   20,633 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   379,581 8,376 SH   SOLE   8,376 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   644,308 7,635 SH   SOLE   7,635 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   425,273 4,283 SH   SOLE   4,283 0 0
SIMON PPTY GROUP INC NEW COM 828806109   2,172,940 17,934 SH   SOLE   17,934 0 0
STARBUCKS CORP COM 855244109   493,312 4,723 SH   SOLE   4,723 0 0
TARGET CORP COM 87612E106   431,800 2,827 SH   SOLE   2,827 0 0
TESLA INC COM 88160R101   1,114,013 9,803 SH   SOLE   9,803 0 0
THORNBURG INCM BUILDER OPP T COM 885213108   783,158 54,386 SH   SOLE   54,386 0 0
UNION PAC CORP COM 907818108   266,946 1,276 SH   SOLE   1,276 0 0
UNITEDHEALTH GROUP INC COM 91324P102   268,761 533 SH   SOLE   533 0 0
VANECK ETF TRUST BDC INCOME ETF 92189F411   1,132,017 77,855 SH   SOLE   77,855 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   328,070 12,000 SH   SOLE   12,000 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   23,799,167 359,124 SH   SOLE   359,124 0 0
VANECK ETF TRUST DURABLE HGH DIV 92189H102   7,344,085 228,535 SH   SOLE   228,535 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,481,589 22,793 SH   SOLE   22,793 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   432,518 2,518 SH   SOLE   2,518 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   557,633 13,020 SH   SOLE   13,020 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   331,705 3,045 SH   SOLE   3,045 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,241,786 10,643 SH   SOLE   10,643 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   8,902,787 35,882 SH   SOLE   35,882 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   539,340 1,530 SH   SOLE   1,530 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   978,078 11,584 SH   SOLE   11,584 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   230,125 1,080 SH   SOLE   1,080 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   913,541 4,756 SH   SOLE   4,756 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   308,837 7,509 SH   SOLE   7,509 0 0
VISA INC COM CL A 92826C839   4,256,737 20,021 SH   SOLE   20,021 0 0
WALMART INC COM 931142103   212,570 1,479 SH   SOLE   1,479 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,085,312 26,133 SH   SOLE   26,133 0 0
YUM BRANDS INC COM 988498101   303,215 2,356 SH   SOLE   2,356 0 0