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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 440 3,129 SH   SOLE   0 0 3,129
ABBVIE INC COM 00287Y109 379 2,801 SH   SOLE   0 0 2,801
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 455 1,098 SH   SOLE   0 0 1,098
ADOBE SYSTEMS INCORPORATED COM 00724F101 380 670 SH   SOLE   0 0 670
ADVANCED MICRO DEVICES INC COM 007903107 408 2,835 SH   SOLE   0 0 2,835
AGILON HEALTH INC COM 00857U107 611 22,618 SH   SOLE   0 0 22,618
ALPHABET INC CAP STK CL A 02079K305 1,231 425 SH   SOLE   0 0 425
ALPHABET INC CAP STK CL C 02079K107 1,128 390 SH   SOLE   0 0 390
AMAZON COM INC COM 023135106 2,417 725 SH   SOLE   0 0 725
ANTHEM INC COM 036752103 415 895 SH   SOLE   0 0 895
APPLE INC COM 037833100 5,790 32,607 SH   SOLE   0 0 32,607
AT&T INC COM 00206R102 256 10,403 SH   SOLE   0 0 10,403
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 794 2,658 SH   SOLE   0 0 2,658
BK OF AMERICA CORP COM 060505104 825 18,530 SH   SOLE   0 0 18,530
BROADCOM INC COM 11135F101 379 569 SH   SOLE   0 0 569
CENTRAL GARDEN & PET CO CL A NON-VTG 153527205 305 6,374 SH   SOLE   0 0 6,374
CENTRAL GARDEN & PET CO COM 153527106 200 3,797 SH   SOLE   0 0 3,797
CISCO SYS INC COM 17275R102 417 6,582 SH   SOLE   0 0 6,582
COCA COLA CO COM 191216100 315 5,316 SH   SOLE   0 0 5,316
COMCAST CORP NEW CL A 20030N101 317 6,287 SH   SOLE   0 0 6,287
COSTCO WHSL CORP NEW COM 22160K105 697 1,228 SH   SOLE   0 0 1,228
CROWDSTRIKE HLDGS INC CL A 22788C105 287 1,401 SH   SOLE   0 0 1,401
CSX CORP COM 126408103 809 21,525 SH   SOLE   0 0 21,525
DIGITALOCEAN HLDGS INC COM 25402D102 309 3,846 SH   SOLE   0 0 3,846
EXXON MOBIL CORP COM 30231G102 690 11,278 SH   SOLE   0 0 11,278
HOME DEPOT INC COM 437076102 666 1,605 SH   SOLE   0 0 1,605
HUNTINGTON BANCSHARES INC COM 446150104 779 50,519 SH   SOLE   0 0 50,519
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 238 3,466 SH   SOLE   0 0 3,466
ISHARES INC CORE MSCI EMKT 46434G103 486 8,118 SH   SOLE   0 0 8,118
ISHARES TR JPMORGAN USD EMG 464288281 261 2,392 SH   SOLE   0 0 2,392
ISHARES TR MSCI EAFE MIN VL 46429B689 459 5,985 SH   SOLE   0 0 5,985
ISHARES TR MSCI USA MIN VOL 46429B697 759 9,377 SH   SOLE   0 0 9,377
ISHARES TR NATIONAL MUN ETF 464288414 3,628 31,198 SH   SOLE   0 0 31,198
ISHARES TR RUSSELL 2000 ETF 464287655 268 1,205 SH   SOLE   0 0 1,205
ISHARES TR RUS 2000 VAL ETF 464287630 234 1,407 SH   SOLE   0 0 1,407
ISHARES TR RUS MID CAP ETF 464287499 285 3,435 SH   SOLE   0 0 3,435
ISHARES TR CORE S&P SCP ETF 464287804 224 1,960 SH   SOLE   0 0 1,960
ISHARES TR CORE S&P500 ETF 464287200 1,151 2,411 SH   SOLE   0 0 2,411
ISHARES TR CORE MSCI EAFE 46432F842 1,351 18,102 SH   SOLE   0 0 18,102
ISHARES TR SHRT NAT MUN ETF 464288158 2,086 19,429 SH   SOLE   0 0 19,429
JOHNSON & JOHNSON COM 478160104 958 5,597 SH   SOLE   0 0 5,597
JPMORGAN CHASE & CO COM 46625H100 1,795 11,338 SH   SOLE   0 0 11,338
LILLY ELI & CO COM 532457108 348 1,260 SH   SOLE   0 0 1,260
MASTERCARD INCORPORATED CL A 57636Q104 441 1,227 SH   SOLE   0 0 1,227
MCDONALDS CORP COM 580135101 438 1,631 SH   SOLE   0 0 1,631
META PLATFORMS INC CL A 30303M102 1,111 3,303 SH   SOLE   0 0 3,303
MICROSOFT CORP COM 594918104 4,094 12,174 SH   SOLE   0 0 12,174
NETFLIX INC COM 64110L106 413 685 SH   SOLE   0 0 685
NEXTERA ENERGY INC COM 65339F101 531 5,691 SH   SOLE   0 0 5,691
NORFOLK SOUTHN CORP COM 655844108 553 1,857 SH   SOLE   0 0 1,857
NVIDIA CORPORATION COM 67066G104 1,596 5,428 SH   SOLE   0 0 5,428
ORACLE CORP COM 68389X105 354 4,059 SH   SOLE   0 0 4,059
PEPSICO INC COM 713448108 706 4,062 SH   SOLE   0 0 4,062
PFIZER INC COM 717081103 481 8,149 SH   SOLE   0 0 8,149
PROCTER AND GAMBLE CO COM 742718109 2,983 18,237 SH   SOLE   0 0 18,237
PROLOGIS INC. COM 74340W103 408 2,428 SH   SOLE   0 0 2,428
ROKU INC COM CL A 77543R102 452 1,980 SH   SOLE   0 0 1,980
SALESFORCE COM INC COM 79466L302 462 1,818 SH   SOLE   0 0 1,818
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 380 11,701 SH   SOLE   0 0 11,701
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,001 67,553 SH   SOLE   0 0 67,553
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,241 31,651 SH   SOLE   0 0 31,651
SCHWAB STRATEGIC TR US REIT ETF 808524847 250 4,750 SH   SOLE   0 0 4,750
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,853 60,336 SH   SOLE   0 0 60,336
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,058 41,768 SH   SOLE   0 0 41,768
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,962 48,626 SH   SOLE   0 0 48,626
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,176 10,333 SH   SOLE   0 0 10,333
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,760 58,883 SH   SOLE   0 0 58,883
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 9,600 84,944 SH   SOLE   0 0 84,944
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 718 15,417 SH   SOLE   0 0 15,417
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 313 8,066 SH   SOLE   0 0 8,066
SHOPIFY INC CL A 82509L107 1,027 746 SH   SOLE   0 0 746
SORRENTO THERAPEUTICS INC COM NEW 83587F202 50 10,717 SH   SOLE   0 0 10,717
SPDR S&P 500 ETF TR TR UNIT 78462F103 653 1,373 SH   SOLE   0 0 1,373
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 671 7,338 SH   SOLE   0 0 7,338
SPDR SER TR S&P 600 SMCP GRW 78464A201 407 4,391 SH   SOLE   0 0 4,391
SPDR SER TR S&P 600 SMCP VAL 78464A300 527 6,217 SH   SOLE   0 0 6,217
SPDR SER TR S&P DIVID ETF 78464A763 275 2,130 SH   SOLE   0 0 2,130
SPDR SER TR S&P 400 MDCP VAL 78464A839 450 6,331 SH   SOLE   0 0 6,331
TESLA INC COM 88160R101 2,336 2,211 SH   SOLE   0 0 2,211
THE TRADE DESK INC COM CL A 88339J105 1,173 12,801 SH   SOLE   0 0 12,801
THERMO FISHER SCIENTIFIC INC COM 883556102 436 653 SH   SOLE   0 0 653
UNITEDHEALTH GROUP INC COM 91324P102 648 1,292 SH   SOLE   0 0 1,292
US BANCORP DEL COM NEW 902973304 246 4,388 SH   SOLE   0 0 4,388
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,194 19,131 SH   SOLE   0 0 19,131
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 501 5,908 SH   SOLE   0 0 5,908
VANGUARD BD INDEX FDS INTERMED TERM 921937819 426 4,865 SH   SOLE   0 0 4,865
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,434 3,284 SH   SOLE   0 0 3,284
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,082 35,190 SH   SOLE   0 0 35,190
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,287 12,910 SH   SOLE   0 0 12,910
VANGUARD INDEX FDS SMALL CP ETF 922908751 925 4,094 SH   SOLE   0 0 4,094
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,428 8,614 SH   SOLE   0 0 8,614
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,444 19,257 SH   SOLE   0 0 19,257
VANGUARD INDEX FDS MID CAP ETF 922908629 920 3,611 SH   SOLE   0 0 3,611
VANGUARD INDEX FDS GROWTH ETF 922908736 7,216 22,487 SH   SOLE   0 0 22,487
VANGUARD INDEX FDS VALUE ETF 922908744 6,728 45,736 SH   SOLE   0 0 45,736
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,289 15,226 SH   SOLE   0 0 15,226
VANGUARD INDEX FDS TOTAL STK MKT 922908769 22,308 92,396 SH   SOLE   0 0 92,396
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 247 1,840 SH   SOLE   0 0 1,840
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,447 69,703 SH   SOLE   0 0 69,703
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 370 6,731 SH   SOLE   0 0 6,731
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,573 24,733 SH   SOLE   0 0 24,733
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,134 41,797 SH   SOLE   0 0 41,797
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 697 6,219 SH   SOLE   0 0 6,219
VANGUARD WORLD FD ESG US STK ETF 921910733 239 2,722 SH   SOLE   0 0 2,722
VISA INC COM CL A 92826C839 603 2,786 SH   SOLE   0 0 2,786
WALMART INC COM 931142103 456 3,155 SH   SOLE   0 0 3,155
WENDYS CO COM 95058W100 238 9,981 SH   SOLE   0 0 9,981