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
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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
AMAZON COM INC COM 023135106   375,459 3,635 SH   SOLE   0 0 3,635
APPLE INC COM 037833100   711,049 4,312 SH   SOLE   0 0 4,312
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   266,469 863 SH   SOLE   0 0 863
DBX ETF TR XTRACK USD HIGH 233051432   8,475,317 243,894 SH   SOLE   0 0 243,894
DEERE & CO COM 244199105   613,540 1,486 SH   SOLE   0 0 1,486
EMERSON ELEC CO COM 291011104   348,560 4,000 SH   SOLE   0 0 4,000
EXXON MOBIL CORP COM 30231G102   317,236 2,893 SH   SOLE   0 0 2,893
FIRST TR EXCH TRADED FD III MUNI HI INCM ETF 33739P301   752,678 16,052 SH   SOLE   0 0 16,052
INVESCO QQQ TR UNIT SER 1 46090E103   472,630 1,473 SH   SOLE   0 0 1,473
ISHARES INC CORE MSCI EMKT 46434G103   1,140,710 23,380 SH   SOLE   0 0 23,380
ISHARES TR CORE MSCI EAFE 46432F842   2,881,369 43,102 SH   SOLE   0 0 43,102
ISHARES TR CORE 1 5 YR USD 46432F859   8,228,029 174,489 SH   SOLE   0 0 174,489
ISHARES TR RUS TOP 200 ETF 464289446   1,144,658 11,763 SH   SOLE   0 0 11,763
ISHARES TR CORE S&P MCP ETF 464287507   7,802,102 31,188 SH   SOLE   0 0 31,188
ISHARES TR CORE S&P SCP ETF 464287804   11,893,315 122,992 SH   SOLE   0 0 122,992
ISHARES TR CORE S&P500 ETF 464287200   7,000,659 17,030 SH   SOLE   0 0 17,030
ISHARES TR CORE S&P US VLU 464287663   706,478 9,575 SH   SOLE   0 0 9,575
ISHARES TR CORE US AGGBD ET 464287226   16,525,905 165,856 SH   SOLE   0 0 165,856
ORACLE CORP COM 68389X105   1,026,952 11,052 SH   SOLE   0 0 11,052
ORIGIN MATERIALS INC COM 68622D106   102,301 23,958 SH   SOLE   0 0 23,958
PIMCO ETF TR SHTRM MUN BD ACT 72201R874   831,426 16,702 SH   SOLE   0 0 16,702
PROCTER AND GAMBLE CO COM 742718109   631,338 4,246 SH   SOLE   0 0 4,246
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,795,141 42,890 SH   SOLE   0 0 42,890
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,670,674 312,833 SH   SOLE   0 0 312,833
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   13,165,394 378,316 SH   SOLE   0 0 378,316
SPDR S&P 500 ETF TR TR UNIT 78462F103   892,577 2,180 SH   SOLE   0 0 2,180
SPDR SER TR SPDR S&P 500 ETF 78468R796   817,870 24,605 SH   SOLE   0 0 24,605
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,399,127 79,464 SH   SOLE   0 0 79,464
TESLA INC COM 88160R101   456,412 2,200 SH   SOLE   0 0 2,200
VANGUARD BD INDEX FDS INTERMED TERM 921937819   593,814 7,738 SH   SOLE   0 0 7,738
VANGUARD INDEX FDS VALUE ETF 922908744   15,961,787 115,573 SH   SOLE   0 0 115,573
VANGUARD INDEX FDS MID CAP ETF 922908629   1,823,192 8,644 SH   SOLE   0 0 8,644
VANGUARD INDEX FDS SMALL CP ETF 922908751   452,101 2,385 SH   SOLE   0 0 2,385
VANGUARD INDEX FDS GROWTH ETF 922908736   1,281,373 5,137 SH   SOLE   0 0 5,137
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,715,236 41,788 SH   SOLE   0 0 41,788
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,949,245 38,477 SH   SOLE   0 0 38,477
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   348,110 4,567 SH   SOLE   0 0 4,567
VANGUARD STAR FDS VG TL INTL STK F 921909768   505,448 9,155 SH   SOLE   0 0 9,155
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   2,993,526 29,633 SH   SOLE   0 0 29,633
VISTAGEN THERAPEUTICS INC COM NEW 92840H202   1,519 12,180 SH   SOLE   0 0 12,180