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
ADOBE SYSTEMS INCORPORATED COM 00724F101 391 1,069 SH   SOLE   0 0 1,069
ALPHABET INC CAP STK CL C 02079K107 582 266 SH   SOLE   0 0 266
AMAZON COM INC COM 023135106 365 3,435 SH   SOLE   0 0 3,435
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 4,646 175,802 SH   SOLE   0 0 175,802
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 1,097 50,963 SH   SOLE   0 0 50,963
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 1,883 31,032 SH   SOLE   0 0 31,032
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,348 29,875 SH   SOLE   0 0 29,875
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 5,630 95,610 SH   SOLE   0 0 95,610
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 421 19,598 SH   SOLE   0 0 19,598
INVESCO QQQ TR UNIT SER 1 46090E103 912 3,255 SH   SOLE   0 0 3,255
ISHARES TR US CONSUM DISCRE 464287580 1,217 21,448 SH   SOLE   0 0 21,448
ISHARES TR CORE S&P500 ETF 464287200 15,789 41,644 SH   SOLE   0 0 41,644
ISHARES TR MSCI USA ESG SLC 464288802 553 6,852 SH   SOLE   0 0 6,852
ISHARES TR NATIONAL MUN ETF 464288414 371 3,491 SH   SOLE   0 0 3,491
ISHARES TR SELF DRIVNG EV 46435U366 2,526 68,623 SH   SOLE   0 0 68,623
ISHARES TR MSCI USA MMENTM 46432F396 5,036 36,929 SH   SOLE   0 0 36,929
ISHARES TR MSCI USA QLT FCT 46432F339 8,796 78,729 SH   SOLE   0 0 78,729
ISHARES TR FLTG RATE NT ETF 46429B655 1,236 24,767 SH   SOLE   0 0 24,767
ISHARES TR MSCI USA MIN VOL 46429B697 282 4,010 SH   SOLE   0 0 4,010
ISHARES TR MSCI EAFE MIN VL 46429B689 1,376 21,733 SH   SOLE   0 0 21,733
META PLATFORMS INC CL A 30303M102 353 2,187 SH   SOLE   0 0 2,187
MICROSOFT CORP COM 594918104 428 1,667 SH   SOLE   0 0 1,667
NIKE INC CL B 654106103 394 3,854 SH   SOLE   0 0 3,854
PAYPAL HLDGS INC COM 70450Y103 385 5,519 SH   SOLE   0 0 5,519
RINGCENTRAL INC CL A 76680R206 339 6,482 SH   SOLE   0 0 6,482
SCHWAB STRATEGIC TR US TIPS ETF 808524870 414 7,419 SH   SOLE   0 0 7,419
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,610 146,593 SH   SOLE   0 0 146,593
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,547 24,278 SH   SOLE   0 0 24,278
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 7,237 147,095 SH   SOLE   0 0 147,095
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,025 104,504 SH   SOLE   0 0 104,504
VANGUARD INDEX FDS MID CAP ETF 922908629 253 1,284 SH   SOLE   0 0 1,284
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 6,996 114,381 SH   SOLE   0 0 114,381
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 10,160 172,618 SH   SOLE   0 0 172,618
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,714 33,914 SH   SOLE   0 0 33,914
VANGUARD WORLD FDS INF TECH ETF 92204A702 8,054 24,664 SH   SOLE   0 0 24,664
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,108 11,375 SH   SOLE   0 0 11,375
WASTE MGMT INC DEL COM 94106L109 357 2,333 SH   SOLE   0 0 2,333