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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,925,613 60,441 SH   SOLE   43,563 0 16,877
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   20,238,807 322,069 SH   SOLE   232,524 0 89,545
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,869,455 79,710 SH   SOLE   57,042 0 22,668
AMGEN INC COM 031162100   412,305 1,320 SH   SOLE   1,320 0 0
APPLE INC COM 037833100   2,750,808 13,061 SH   SOLE   6,481 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,448,964 4 SH   SOLE   4 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   9,723,066 437,582 SH   SOLE   328,147 0 109,435
COHEN & STEERS QUALITY INCOM COM 19247L106   1,644,607 140,805 SH   SOLE   114,388 0 26,418
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   4,169,699 130,630 SH   SOLE   93,669 0 36,961
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   428,468 16,562 SH   SOLE   10,439 0 6,124
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   5,290,540 201,008 SH   SOLE   146,547 0 54,462
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   11,882,240 330,613 SH   SOLE   251,238 0 79,376
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   679,090 21,064 SH   SOLE   21,064 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,863,174 35,920 SH   SOLE   31,275 0 4,645
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   15,053,383 470,565 SH   SOLE   339,410 0 131,155
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   481,303 12,256 SH   SOLE   10,526 0 1,730
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   366,654 8,076 SH   SOLE   7,933 0 143
ENTREPRENEURSHARES SERIES TR ERSHARES ENT 293828802   2,297,741 147,480 SH   SOLE   110,415 0 37,065
EXCHANGE LISTED FDS TR SABA INT RATE 30151E806   6,956,402 326,745 SH   SOLE   250,392 0 76,353
EXXON MOBIL CORP COM 30231G102   428,131 3,719 SH   SOLE   2,752 0 967
FARMLAND PARTNERS INC COM 31154R109   564,572 48,965 SH   SOLE   34,627 0 14,338
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   3,343 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS ETF TR S&P 500 CORE PRE 38149W622   988,341 20,820 SH   SOLE   15,598 0 5,222
HEARTLAND FINL USA INC COM 42234Q102   1,033,285 23,246 SH   SOLE   8 0 23,238
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   635,392 27,043 SH   SOLE   1,116 0 25,928
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   1,195,718 50,925 SH   SOLE   0 0 50,925
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   1,879,762 35,887 SH   SOLE   27,039 0 8,848
ISHARES TR CORE MSCI EAFE 46432F842   5,220,484 71,868 SH   SOLE   52,164 0 19,704
ISHARES TR COHEN STEER REIT 464287564   992,671 17,327 SH   SOLE   10,159 0 7,168
ISHARES TR EAFE VALUE ETF 464288877   1,414,552 26,670 SH   SOLE   22,892 0 3,778
ISHARES TR MSCI USA MMENTM 46432F396   1,199,161 6,154 SH   SOLE   4,515 0 1,638
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   319,319 6,345 SH   SOLE   5,914 0 430
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,168,115 42,958 SH   SOLE   30,698 0 12,261
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   10,112,217 222,442 SH   SOLE   165,557 0 56,885
J P MORGAN EXCHANGE TRADED F BETBULD MSCI 46641Q738   3,253,793 37,093 SH   SOLE   27,274 0 9,819
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   663,030 11,698 SH   SOLE   10,533 0 1,164
JPMORGAN CHASE & CO. COM 46625H100   269,208 1,331 SH   SOLE   165 0 1,166
MERCK & CO INC COM 58933Y105   233,147 1,883 SH   SOLE   885 0 998
META PLATFORMS INC CL A 30303M102   1,829,154 3,628 SH   SOLE   321 0 3,306
MICROSOFT CORP COM 594918104   399,659 894 SH   SOLE   794 0 100
NEOS ETF TRUST NEOS S&P 500 HI 78433H303   1,166,446 23,259 SH   SOLE   17,659 0 5,600
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   439,385 50,679 SH   SOLE   1,718 0 48,961
NVIDIA CORPORATION COM 67066G104   368,890 2,986 SH   SOLE   2,986 0 0
PACER FDS TR METAURUS CAP 400 69374H436   4,697,822 128,041 SH   SOLE   92,827 0 35,214
PIMCO ETF TR MULTISECTOR BD 72201R585   8,739,899 340,870 SH   SOLE   268,028 0 72,841
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   2,716,350 142,588 SH   SOLE   108,497 0 34,090
PROSHARES TR INVT INT RT HG 74347B607   553,705 7,256 SH   SOLE   6,280 0 976
S&P GLOBAL INC COM 78409V104   3,109,512 6,972 SH   SOLE   185 0 6,787
SCHWAB STRATEGIC TR US REIT ETF 808524847   225,614 11,298 SH   SOLE   10,713 0 585
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   398,239 11,369 SH   SOLE   902 0 10,466
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,113,646 28,986 SH   SOLE   16,726 0 12,260
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   906,828 25,487 SH   SOLE   20,751 0 4,736
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   207,015 3,222 SH   SOLE   0 0 3,222
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,315,224 31,253 SH   SOLE   26,577 0 4,676
SEMPRA COM 816851109   209,033 2,748 SH   SOLE   2,748 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   262,750 7,490 SH   SOLE   7,490 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   894,212 1,643 SH   SOLE   1,643 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   238,329 3,592 SH   SOLE   3,592 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   6,701,533 242,546 SH   SOLE   169,528 0 73,017
SYNTAX ETF TR STRATIFD LRG CAP 87166N106   11,515,202 153,397 SH   SOLE   106,987 0 46,410
TESLA INC COM 88160R101   273,272 1,381 SH   SOLE   1,381 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   3,730,300 194,896 SH   SOLE   146,679 0 48,216
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,481,441 9,276 SH   SOLE   8,484 0 792
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   262,975 1,558 SH   SOLE   1,558 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,587,413 3,174 SH   SOLE   3,174 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   340,413 7,779 SH   SOLE   7,034 0 745
VANGUARD STAR FDS VG TL INTL STK F 921909768   644,366 10,686 SH   SOLE   10,686 0 0
VISA INC COM CL A 92826C839   298,161 1,136 SH   SOLE   1,136 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   8,819,253 175,298 SH   SOLE   134,804 0 40,495