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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,665,444 69,303 SH   SOLE   44,225 0 25,077
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,680,490 62,936 SH   SOLE   40,057 0 22,878
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   11,877,355 232,388 SH   SOLE   149,440 0 82,947
AMGEN INC COM 031162100   313,503 1,297 SH   SOLE   1,296 0 0
APPLE INC COM 037833100   2,145,052 13,008 SH   SOLE   6,428 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,862,400 4 SH   SOLE   4 0 0
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   4,541,687 199,284 SH   SOLE   138,577 0 60,706
COHEN & STEERS QUALITY INCOM COM 19247L106   1,362,238 114,282 SH   SOLE   94,200 0 20,081
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,855,339 336,809 SH   SOLE   231,468 0 105,340
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   409,181 12,222 SH   SOLE   10,508 0 1,713
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   373,168 14,646 SH   SOLE   14,645 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   599,339 26,036 SH   SOLE   19,084 0 6,951
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,064,044 23,911 SH   SOLE   17,243 0 6,668
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   1,213,701 25,990 SH   SOLE   18,846 0 7,143
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889   323,499 10,081 SH   SOLE   6,081 0 4,000
EXXON MOBIL CORP COM 30231G102   344,552 3,142 SH   SOLE   2,175 0 967
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,856,156 40,351 SH   SOLE   31,345 0 9,005
HEARTLAND FINL USA INC COM 42234Q102   891,410 23,238 SH   SOLE   0 0 23,238
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   597,194 25,103 SH   SOLE   0 0 25,103
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   615,698 25,090 SH   SOLE   0 0 25,089
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   624,725 25,093 SH   SOLE   0 0 25,093
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   2,486,478 54,612 SH   SOLE   42,751 0 11,860
ISHARES TR MSCI USA MMENTM 46432F396   2,057,424 14,797 SH   SOLE   11,512 0 3,284
ISHARES TR MSCI EAFE MIN VL 46429B689   1,512,702 22,361 SH   SOLE   16,208 0 6,152
ISHARES TR EAFE VALUE ETF 464288877   2,277,650 46,933 SH   SOLE   42,910 0 4,021
ISHARES TR COHEN STEER REIT 464287564   3,109,678 55,990 SH   SOLE   35,156 0 20,833
ISHARES TR CORE MSCI EAFE 46432F842   5,165,564 77,271 SH   SOLE   49,632 0 27,638
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   665,976 13,427 SH   SOLE   11,278 0 2,148
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   7,203,023 157,358 SH   SOLE   104,033 0 53,324
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,617,037 84,561 SH   SOLE   60,358 0 24,202
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   7,705,451 153,129 SH   SOLE   110,144 0 42,984
J P MORGAN EXCHANGE TRADED F INTERNL GWT 46641Q324   3,543,552 60,971 SH   SOLE   38,922 0 22,048
MERCK & CO INC COM 58933Y105   201,396 1,893 SH   SOLE   895 0 998
META PLATFORMS INC CL A 30303M102   743,274 3,507 SH   SOLE   207 0 3,300
NANO DIMENSION LTD SPONSORD ADS NEW 63008G203   28,900 10,000 SH   SOLE   10,000 0 0
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   308,350 35,000 SH   SOLE   0 0 35,000
PIMCO ETF TR ACTIVE BD ETF 72201R775   323,582 3,489 SH   SOLE   2,807 0 680
PROSHARES TR INVT INT RT HG 74347B607   3,756,174 52,293 SH   SOLE   38,094 0 14,198
S&P GLOBAL INC COM 78409V104   2,391,669 6,937 SH   SOLE   150 0 6,787
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,030,559 27,755 SH   SOLE   17,233 0 10,521
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,469,377 43,589 SH   SOLE   36,281 0 7,307
SCHWAB STRATEGIC TR US REIT ETF 808524847   475,342 24,377 SH   SOLE   22,109 0 2,267
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   401,268 12,832 SH   SOLE   1,188 0 11,643
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,521,775 43,729 SH   SOLE   29,622 0 14,106
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,524,757 53,747 SH   SOLE   48,997 0 4,749
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   250,171 5,172 SH   SOLE   0 0 5,172
SEMPRA COM 816851109   204,863 1,355 SH   SOLE   1,355 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   515,417 5,137 SH   SOLE   4,564 0 572
SPDR S&P 500 ETF TR TR UNIT 78462F103   596,188 1,456 SH   SOLE   1,456 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   7,335,324 265,965 SH   SOLE   167,610 0 98,355
SYNTAX ETF TR STRATIFD LRG CAP 87166N106   16,852,434 256,736 SH   SOLE   174,143 0 82,592
VANGUARD INDEX FDS GROWTH ETF 922908736   3,239,748 12,988 SH   SOLE   7,618 0 5,369
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   218,432 1,558 SH   SOLE   1,558 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,195,527 3,179 SH   SOLE   3,179 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,859,501 9,111 SH   SOLE   8,284 0 826
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   420,871 10,418 SH   SOLE   9,605 0 811
VANGUARD STAR FDS VG TL INTL STK F 921909768   599,857 10,865 SH   SOLE   10,865 0 0
VISA INC COM CL A 92826C839   252,736 1,121 SH   SOLE   1,120 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,436,374 87,513 SH   SOLE   56,935 0 30,578