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
ABBVIE INC COM 00287Y109   212,595 1,426 SH   SOLE   1,426 0 0
ALPHABET INC CAP STK CL A 02079K305   1,577,386 12,054 SH   SOLE   12,054 0 0
ALPHABET INC CAP STK CL C 02079K107   614,553 4,661 SH   SOLE   4,661 0 0
AMAZON COM INC COM 023135106   1,462,261 11,503 SH   SOLE   11,503 0 0
APPLE INC COM 037833100   2,877,869 16,809 SH   SOLE   16,809 0 0
BANCO SANTANDER S.A. ADR 05964H105   45,801 12,181 SH   SOLE   12,181 0 0
BANK AMERICA CORP COM 060505104   637,023 23,266 SH   SOLE   23,266 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,370,023 3,911 SH   SOLE   3,911 0 0
BOEING CO COM 097023105   488,976 2,551 SH   SOLE   2,551 0 0
BROADCOM INC COM 11135F101   291,534 351 SH   SOLE   351 0 0
CHEVRON CORP NEW COM 166764100   793,219 4,704 SH   SOLE   4,704 0 0
COCA COLA CO COM 191216100   611,749 10,928 SH   SOLE   10,928 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   1,480,503 19,719 SH   SOLE   19,719 0 0
COSTCO WHSL CORP NEW COM 22160K105   811,283 1,436 SH   SOLE   1,436 0 0
DEERE & CO COM 244199105   622,677 1,650 SH   SOLE   1,650 0 0
ELI LILLY & CO COM 532457108   400,699 746 SH   SOLE   746 0 0
EXXON MOBIL CORP COM 30231G102   934,579 7,948 SH   SOLE   7,948 0 0
HOME DEPOT INC COM 437076102   262,577 869 SH   SOLE   869 0 0
HONEYWELL INTL INC COM 438516106   406,243 2,199 SH   SOLE   2,199 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,189,978 146,487 SH   SOLE   142,256 0 4,231
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,114,054 53,075 SH   SOLE   52,458 0 617
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   896,171 81,842 SH   SOLE   81,842 0 0
ISHARES INC MSCI EMRG CHN 46434G764   404,669 8,121 SH   SOLE   8,121 0 0
ISHARES INC CORE MSCI EMKT 46434G103   1,205,054 25,322 SH   SOLE   25,322 0 0
ISHARES TR CONV BD ETF 46435G102   409,862 5,523 SH   SOLE   5,523 0 0
ISHARES TR PFD AND INCM SEC 464288687   1,483,515 49,204 SH   SOLE   47,936 0 1,269
ISHARES TR CORE MSCI EAFE 46432F842   4,183,067 65,005 SH   SOLE   64,825 0 180
ISHARES TR CORE INTL AGGR 46435G672   1,598,540 32,770 SH   SOLE   32,770 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   396,178 3,852 SH   SOLE   3,852 0 0
ISHARES TR EAFE SML CP ETF 464288273   579,779 10,267 SH   SOLE   10,267 0 0
ISHARES TR JPMORGAN USD EMG 464288281   775,215 9,394 SH   SOLE   9,224 0 170
ISHARES TR CORE S&P MCP ETF 464287507   213,942 858 SH   SOLE   858 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,596,274 17,689 SH   SOLE   17,689 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   695,119 5,128 SH   SOLE   4,993 0 135
ISHARES TR CORE US AGGBD ET 464287226   1,529,901 16,269 SH   SOLE   16,191 0 78
ISHARES TR TIPS BD ETF 464287176   296,592 2,860 SH   SOLE   2,860 0 0
ISHARES TR CORE S&P TTL STK 464287150   14,767,830 156,788 SH   SOLE   151,784 0 5,004
ISHARES TR NATIONAL MUN ETF 464288414   2,344,372 22,863 SH   SOLE   22,863 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   744,308 14,919 SH   SOLE   14,636 0 283
JOHNSON & JOHNSON COM 478160104   1,065,330 6,840 SH   SOLE   6,840 0 0
JPMORGAN CHASE & CO COM 46625H100   865,334 5,967 SH   SOLE   5,967 0 0
LOCKHEED MARTIN CORP COM 539830109   363,156 888 SH   SOLE   888 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105   100,259 22,035 SH   SOLE   22,035 0 0
MASTERCARD INCORPORATED CL A 57636Q104   232,003 586 SH   SOLE   586 0 0
MCDONALDS CORP COM 580135101   629,358 2,389 SH   SOLE   2,389 0 0
META PLATFORMS INC CL A 30303M102   1,102,071 3,671 SH   SOLE   3,671 0 0
MICROSOFT CORP COM 594918104   2,957,017 9,365 SH   SOLE   9,365 0 0
NVIDIA CORPORATION COM 67066G104   1,781,284 4,095 SH   SOLE   4,095 0 0
ORACLE CORP COM 68389X105   644,947 6,089 SH   SOLE   6,077 0 12
PROCTER AND GAMBLE CO COM 742718109   783,998 5,375 SH   SOLE   5,375 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,575,845 88,780 SH   SOLE   88,780 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   566,464 11,363 SH   SOLE   10,125 0 1,238
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,170,303 23,179 SH   SOLE   22,705 0 474
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   865,404 19,566 SH   SOLE   19,566 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   530,912 22,326 SH   SOLE   22,326 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   920,708 29,691 SH   SOLE   29,691 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   1,682,991 24,823 SH   SOLE   24,515 0 308
SPDR SER TR BLOOMBERG HIGH Y 78468R622   706,677 7,817 SH   SOLE   7,627 0 191
SPDR SER TR BLOOMBERG INVT 78468R200   1,250,331 40,701 SH   SOLE   40,410 0 291
TESLA INC COM 88160R101   1,230,082 4,916 SH   SOLE   4,910 0 6
UNITEDHEALTH GROUP INC COM 91324P102   1,031,667 2,046 SH   SOLE   2,046 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   13,186,435 188,972 SH   SOLE   185,155 0 3,816
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,691,417 22,501 SH   SOLE   22,163 0 338
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,587,213 137,721 SH   SOLE   135,830 0 1,892
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,171,866 5,517 SH   SOLE   5,517 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   346,567 1,771 SH   SOLE   1,771 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   551,003 2,646 SH   SOLE   2,646 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,503,519 33,089 SH   SOLE   31,669 0 1,420
VANGUARD INDEX FDS SMALL CP ETF 922908751   213,838 1,131 SH   SOLE   1,131 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,587,804 40,786 SH   SOLE   40,097 0 689
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,955,227 27,827 SH   SOLE   27,328 0 499
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,849,324 123,676 SH   SOLE   121,398 0 2,278
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,399,710 29,100 SH   SOLE   29,100 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   11,038,360 252,479 SH   SOLE   248,752 0 3,727
VISA INC COM CL A 92826C839   911,990 3,965 SH   SOLE   3,965 0 0