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
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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 US LARGE CAP VLU 025072349   25,343,271 384,980 SH   SOLE   278,863 0 106,117
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372   3,308,387 63,452 SH   SOLE   43,861 0 19,591
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   208,307 3,709 SH   SOLE   3,228 0 481
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   4,378,810 61,960 SH   SOLE   45,079 0 16,881
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,960,595 30,349 SH   SOLE   23,589 0 6,760
AMGEN INC COM 031162100   422,350 1,310 SH   SOLE   1,310 0 0
APPLE INC COM 037833100   2,950,172 12,661 SH   SOLE   6,081 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,764,720 4 SH   SOLE   4 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   11,104,157 480,282 SH   SOLE   363,844 0 116,438
COHEN & STEERS QUALITY INCOM COM 19247L106   1,704,366 120,279 SH   SOLE   98,462 0 21,817
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   1,324,756 40,549 SH   SOLE   32,382 0 8,167
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   725,068 21,145 SH   SOLE   21,145 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   458,007 16,708 SH   SOLE   10,529 0 6,179
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   3,459,327 128,743 SH   SOLE   90,534 0 38,209
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   469,183 11,253 SH   SOLE   9,520 0 1,733
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   12,947,576 340,009 SH   SOLE   259,232 0 80,777
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   9,942,751 358,943 SH   SOLE   256,520 0 102,423
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,009,043 36,113 SH   SOLE   31,141 0 4,972
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   19,584,138 574,819 SH   SOLE   410,059 0 164,760
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   367,782 7,764 SH   SOLE   7,620 0 144
ENTREPRENEURSHARES SERIES TR ERSHARES PRIVATE 293828877   4,355,351 269,823 SH   SOLE   186,334 0 83,489
EXCHANGE LISTED FDS TR SABA INT RATE 30151E806   7,585,257 340,909 SH   SOLE   260,134 0 80,775
EXXON MOBIL CORP COM 30231G102   397,962 3,395 SH   SOLE   2,428 0 967
FARMLAND PARTNERS INC COM 31154R109   117,858 11,277 SH   SOLE   10,270 0 1,007
GOLDMAN SACHS ETF TR S&P 500 CORE PRE 38149W622   1,080,132 22,002 SH   SOLE   16,761 0 5,241
HEARTLAND FINL USA INC COM 42234Q102   1,317,595 23,238 SH   SOLE   0 0 23,238
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   1,215,522 51,287 SH   SOLE   0 0 51,287
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   646,598 27,235 SH   SOLE   1,123 0 26,112
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   1,913,649 34,799 SH   SOLE   27,071 0 7,728
ISHARES TR EAFE VALUE ETF 464288877   1,504,726 26,154 SH   SOLE   22,548 0 3,606
ISHARES TR COHEN STEER REIT 464287564   1,099,869 16,686 SH   SOLE   10,176 0 6,510
ISHARES TR CORE MSCI EAFE 46432F842   1,709,224 21,898 SH   SOLE   19,155 0 2,743
ISHARES TR MSCI USA MMENTM 46432F396   1,205,274 5,943 SH   SOLE   4,504 0 1,439
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   325,261 6,347 SH   SOLE   5,915 0 432
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   11,575,339 249,521 SH   SOLE   187,117 0 62,404
J P MORGAN EXCHANGE TRADED F BETBULD MSCI 46641Q738   925,010 9,166 SH   SOLE   7,881 0 1,285
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   2,174,045 42,845 SH   SOLE   30,975 0 11,870
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   638,334 10,725 SH   SOLE   9,542 0 1,183
JPMORGAN CHASE & CO. COM 46625H100   277,492 1,316 SH   SOLE   150 0 1,166
MERCK & CO INC COM 58933Y105   211,365 1,861 SH   SOLE   863 0 998
META PLATFORMS INC CL A 30303M102   2,021,095 3,530 SH   SOLE   221 0 3,309
MICROSOFT CORP COM 594918104   224,692 521 SH   SOLE   445 0 76
NEOS ETF TRUST NEOS S&P 500 HI 78433H303   1,346,987 26,292 SH   SOLE   19,915 0 6,377
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   466,584 51,160 SH   SOLE   1,718 0 49,442
NVIDIA CORPORATION COM 67066G104   243,973 2,009 SH   SOLE   2,009 0 0
PACER FDS TR METAURUS CAP 400 69374H436   3,823,748 100,730 SH   SOLE   75,921 0 24,809
PIMCO ETF TR MULTISECTOR BD 72201R585   13,222,734 496,161 SH   SOLE   385,875 0 110,286
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   809,601 41,453 SH   SOLE   34,560 0 6,893
PROSHARES TR INVT INT RT HG 74347B607   546,946 7,100 SH   SOLE   6,113 0 987
S&P GLOBAL INC COM 78409V104   3,593,609 6,956 SH   SOLE   169 0 6,787
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,501,028 31,118 SH   SOLE   26,704 0 4,414
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   218,615 3,222 SH   SOLE   0 0 3,222
SCHWAB STRATEGIC TR US REIT ETF 808524847   252,260 10,887 SH   SOLE   10,887 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,157,373 28,145 SH   SOLE   16,732 0 11,413
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   408,755 10,937 SH   SOLE   873 0 10,064
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   955,597 24,800 SH   SOLE   20,651 0 4,149
SEMPRA COM 816851109   230,478 2,755 SH   SOLE   2,755 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   281,325 7,490 SH   SOLE   7,490 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   945,099 1,647 SH   SOLE   1,647 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   251,656 3,592 SH   SOLE   3,592 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   7,060,249 245,658 SH   SOLE   174,988 0 70,670
TESLA INC COM 88160R101   356,078 1,361 SH   SOLE   1,361 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353   1,246,082 62,647 SH   SOLE   48,672 0 13,975
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,674,825 3,174 SH   SOLE   3,174 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,481,437 8,763 SH   SOLE   8,023 0 740
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   283,540 1,558 SH   SOLE   1,558 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   356,355 7,446 SH   SOLE   6,711 0 735
VANGUARD STAR FDS VG TL INTL STK F 921909768   678,734 10,484 SH   SOLE   10,484 0 0
VISA INC COM CL A 92826C839   308,214 1,120 SH   SOLE   1,120 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   6,522,958 129,886 SH   SOLE   101,916 0 27,970