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
ALBEMARLE CORP COM 012653101 829 3,968 SH   SOLE   3,968 0 0
ALPHABET INC CAP STK CL A 02079K305 2,652 1,217 SH   SOLE   1,217 0 0
ALTRIA GROUP INC COM 02209S103 1,055 25,256 SH   SOLE   25,256 0 0
AMAZON COM INC COM 023135106 1,998 18,811 SH   SOLE   18,811 0 0
AMCOR PLC ORD G0250X107 815 65,562 SH   SOLE   65,562 0 0
APPLE INC COM 037833100 8,235 60,232 SH   SOLE   60,232 0 0
AUTOLIV INC COM 052800109 712 9,954 SH   SOLE   9,954 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 209 6,000 SH   SOLE   6,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,142 4,182 SH   SOLE   4,182 0 0
BK OF AMERICA CORP COM 060505104 583 18,735 SH   SOLE   18,735 0 0
BOEING CO COM 097023105 1,456 10,652 SH   SOLE   10,652 0 0
BROADCOM INC COM 11135F101 320 659 SH   SOLE   659 0 0
CANADA GOOSE HLDGS INC SHS SUB VTG 135086106 606 33,659 SH   SOLE   33,659 0 0
CANADIAN PAC RY LTD COM 13645T100 700 10,021 SH   SOLE   10,021 0 0
CGI INC CL A SUB VTG 12532H104 1,491 18,719 SH   SOLE   18,719 0 0
CHEVRON CORP NEW COM 166764100 995 6,872 SH   SOLE   6,872 0 0
CIGNA CORP NEW COM 125523100 1,409 5,347 SH   SOLE   5,347 0 0
CISCO SYS INC COM 17275R102 1,335 31,298 SH   SOLE   31,298 0 0
CITIGROUP INC COM NEW 172967424 1,398 30,404 SH   SOLE   30,404 0 0
COSTCO WHSL CORP NEW COM 22160K105 563 1,175 SH   SOLE   1,175 0 0
CREDIT ACCEP CORP MICH COM 225310101 917 1,937 SH   SOLE   1,937 0 0
D R HORTON INC COM 23331A109 1,371 20,710 SH   SOLE   20,710 0 0
DISNEY WALT CO COM 254687106 779 8,248 SH   SOLE   8,248 0 0
DOMINION ENERGY INC COM 25746U109 1,403 17,577 SH   SOLE   17,577 0 0
EMERSON ELEC CO COM 291011104 1,188 14,931 SH   SOLE   14,931 0 0
ENBRIDGE INC COM 29250N105 1,003 23,742 SH   SOLE   23,742 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 4,748 121,277 SH   SOLE   121,277 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 1,767 40,060 SH   SOLE   40,060 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 1,133 28,051 SH   SOLE   28,051 0 0
FORD MTR CO DEL COM 345370860 131 11,810 SH   SOLE   11,810 0 0
GENERAL DYNAMICS CORP COM 369550108 943 4,264 SH   SOLE   4,264 0 0
GLOBAL X FDS GENOMIC BIOTECH 37954Y434 621 50,804 SH   SOLE   50,804 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,048 3,530 SH   SOLE   3,530 0 0
GRUPO AEROPORTUARIO DEL CENT SPON ADR 400501102 378 7,373 SH   SOLE   7,373 0 0
HONEYWELL INTL INC COM 438516106 204 1,171 SH   SOLE   1,171 0 0
ICON PLC SHS G4705A100 1,144 5,280 SH   SOLE   5,280 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 265 945 SH   SOLE   945 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,095 42,695 SH   SOLE   42,695 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 19,315 184,530 SH   SOLE   184,530 0 0
ISHARES TR NATIONAL MUN ETF 464288414 11,404 107,224 SH   SOLE   107,224 0 0
ISHARES TR CALIF MUN BD ETF 464288356 5,417 95,946 SH   SOLE   95,946 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,221 22,360 SH   SOLE   22,360 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 6,798 133,134 SH   SOLE   133,134 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,062 9,116 SH   SOLE   9,116 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,500 40,009 SH   SOLE   40,009 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 502 3,460 SH   SOLE   3,460 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 392 6,503 SH   SOLE   6,503 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,054 5,416 SH   SOLE   5,416 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,754 29,806 SH   SOLE   29,806 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,800 81,571 SH   SOLE   81,571 0 0
JOHNSON & JOHNSON COM 478160104 276 1,555 SH   SOLE   1,555 0 0
JPMORGAN CHASE & CO COM 46625H100 2,059 18,288 SH   SOLE   18,288 0 0
KIMBELL RTY PARTNERS LP UNIT 49435R102 189 12,075 SH   SOLE   12,075 0 0
LEIDOS HOLDINGS INC COM 525327102 1,490 14,790 SH   SOLE   14,790 0 0
LGI HOMES INC COM 50187T106 300 3,452 SH   SOLE   3,452 0 0
LINDE PLC SHS G5494J103 754 2,622 SH   SOLE   2,622 0 0
LOWES COS INC COM 548661107 988 5,654 SH   SOLE   5,654 0 0
LULULEMON ATHLETICA INC COM 550021109 207 760 SH   SOLE   760 0 0
MARATHON OIL CORP COM 565849106 225 9,995 SH   SOLE   9,995 0 0
MEDTRONIC PLC SHS G5960L103 662 7,372 SH   SOLE   7,372 0 0
META PLATFORMS INC CL A 30303M102 572 3,550 SH   SOLE   3,550 0 0
MICROSOFT CORP COM 594918104 2,808 10,932 SH   SOLE   10,932 0 0
MODERNA INC COM 60770K107 651 4,555 SH   SOLE   4,555 0 0
NUCOR CORP COM 670346105 201 1,921 SH   SOLE   1,921 0 0
NVIDIA CORPORATION COM 67066G104 1,020 6,730 SH   SOLE   6,730 0 0
PAGSEGURO DIGITAL LTD COM CL A G68707101 329 32,096 SH   SOLE   32,096 0 0
PAYPAL HLDGS INC COM 70450Y103 627 8,984 SH   SOLE   8,984 0 0
PFIZER INC COM 717081103 1,352 25,780 SH   SOLE   25,780 0 0
PROCTER AND GAMBLE CO COM 742718109 1,290 8,971 SH   SOLE   8,971 0 0
PRUDENTIAL FINL INC COM 744320102 874 9,135 SH   SOLE   9,135 0 0
QUALCOMM INC COM 747525103 1,475 11,548 SH   SOLE   11,548 0 0
QUANTUMSCAPE CORP COM CL A 74767V109 174 20,241 SH   SOLE   20,241 0 0
READY CAPITAL CORP COM 75574U101 139 11,641 SH   SOLE   11,641 0 0
SABINE RTY TR UNIT BEN INT 785688102 929 15,262 SH   SOLE   15,262 0 0
SANOFI SPONSORED ADR 80105N105 1,108 22,143 SH   SOLE   22,143 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 228 3,649 SH   SOLE   3,649 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 249 7,982 SH   SOLE   7,982 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 1,036 20,072 SH   SOLE   20,072 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 485 3,813 SH   SOLE   3,813 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 228 3,188 SH   SOLE   3,188 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 814 25,898 SH   SOLE   25,898 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 792 22,772 SH   SOLE   22,772 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,046 2,774 SH   SOLE   2,774 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 444 11,186 SH   SOLE   11,186 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 3,440 72,793 SH   SOLE   72,793 0 0
SPDR SER TR S&P 600 SML CAP 78464A813 1,047 13,080 SH   SOLE   13,080 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 517 12,944 SH   SOLE   12,944 0 0
SUNCOR ENERGY INC NEW COM 867224107 1,123 32,027 SH   SOLE   32,027 0 0
TARGET CORP COM 87612E106 634 4,491 SH   SOLE   4,491 0 0
TESLA INC COM 88160R101 1,038 1,541 SH   SOLE   1,541 0 0
VANECK ETF TRUST LONG MUNI ETF 92189F536 3,030 171,563 SH   SOLE   171,563 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 264 761 SH   SOLE   761 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,274 9,660 SH   SOLE   9,660 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 838 4,443 SH   SOLE   4,443 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 378 2,881 SH   SOLE   2,881 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 212 4,237 SH   SOLE   4,237 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 9,128 155,080 SH   SOLE   155,080 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 845 11,081 SH   SOLE   11,081 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,025 7,143 SH   SOLE   7,143 0 0
VISA INC COM CL A 92826C839 1,451 7,370 SH   SOLE   7,370 0 0
WEST FRASER TIMBER CO LTD COM 952845105 1,004 13,080 SH   SOLE   13,080 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 405 6,860 SH   SOLE   6,860 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 2,625 52,154 SH   SOLE   52,154 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 294 4,479 SH   SOLE   4,479 0 0