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
ABBOTT LABS COM 002824100   212,697 1,588 SH   SOLE   1,588 0 0
ABBVIE INC COM 00287Y109   427,015 1,844 SH   SOLE   1,844 0 0
ADVANCED MICRO DEVICES INC COM 007903107   214,372 1,325 SH   SOLE   1,325 0 0
ALPHABET INC CAP STK CL C 02079K107   1,267,434 5,204 SH   SOLE   5,204 0 0
ALPHABET INC CAP STK CL A 02079K305   1,532,502 6,304 SH   SOLE   6,304 0 0
AMAZON COM INC COM 023135106   2,092,722 9,531 SH   SOLE   9,531 0 0
AMPHENOL CORP NEW CL A 032095101   210,128 1,698 SH   SOLE   1,698 0 0
APPLE INC COM 037833100   4,538,016 17,822 SH   SOLE   17,822 0 0
AT&T INC COM 00206R102   205,277 7,269 SH   SOLE   7,269 0 0
BANCO SANTANDER S.A. ADR 05964H105   109,998 10,496 SH   SOLE   10,496 0 0
BANK AMERICA CORP COM 060505104   290,091 5,623 SH   SOLE   5,623 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   830,526 1,652 SH   SOLE   1,652 0 0
BLACKSTONE INC COM 09260D107   358,614 2,099 SH   SOLE   2,099 0 0
BROADCOM INC COM 11135F101   1,710,583 5,185 SH   SOLE   5,185 0 0
CAPITAL ONE FINL CORP COM 14040H105   200,250 942 SH   SOLE   942 0 0
CATERPILLAR INC COM 149123101   333,528 699 SH   SOLE   699 0 0
CHEVRON CORP NEW COM 166764100   282,501 1,819 SH   SOLE   1,819 0 0
CISCO SYS INC COM 17275R102   248,844 3,637 SH   SOLE   3,637 0 0
COCA COLA CO COM 191216100   324,835 4,898 SH   SOLE   4,898 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   2,692,495 7,978 SH   SOLE   3,428 0 4,550
COSTCO WHSL CORP NEW COM 22160K105   495,212 535 SH   SOLE   535 0 0
ELI LILLY & CO COM 532457108   770,630 1,010 SH   SOLE   1,010 0 0
EXXON MOBIL CORP COM 30231G102   549,482 4,873 SH   SOLE   4,873 0 0
GE AEROSPACE COM NEW 369604301   329,699 1,096 SH   SOLE   1,096 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   241,294 303 SH   SOLE   303 0 0
HOME DEPOT INC COM 437076102   462,322 1,141 SH   SOLE   1,141 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   229,396 813 SH   SOLE   813 0 0
INTUIT COM 461202103   221,946 325 SH   SOLE   325 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   1,676,967 124,867 SH   SOLE   117,676 0 7,192
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   642,038 55,348 SH   SOLE   55,348 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,676,019 80,077 SH   SOLE   77,602 0 2,476
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   8,430,254 122,142 SH   SOLE   117,083 0 5,059
ISHARES INC CORE MSCI EMKT 46434G103   1,382,908 20,979 SH   SOLE   20,979 0 0
ISHARES TR CONV BD ETF 46435G102   694,747 6,944 SH   SOLE   6,944 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,176,011 6,651 SH   SOLE   6,059 0 592
ISHARES TR EAFE SML CP ETF 464288273   1,078,301 14,055 SH   SOLE   14,054 0 1
ISHARES TR PFD AND INCM SEC 464288687   3,317,473 104,917 SH   SOLE   100,531 0 4,386
ISHARES TR CORE INTL AGGR 46435G672   4,350,144 84,914 SH   SOLE   82,890 0 2,024
ISHARES TR TIPS BD ETF 464287176   334,935 3,011 SH   SOLE   3,011 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,501,593 51,663 SH   SOLE   51,663 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,278,316 37,548 SH   SOLE   37,548 0 0
ISHARES TR CORE US AGGBD ET 464287226   3,250,728 32,426 SH   SOLE   32,083 0 343
ISHARES TR JPMORGAN USD EMG 464288281   1,373,812 14,432 SH   SOLE   13,834 0 599
ISHARES TR CRE U S REIT ETF 464288521   237,707 4,048 SH   SOLE   3,970 0 78
ISHARES TR SHRT NAT MUN ETF 464288158   837,221 7,841 SH   SOLE   7,841 0 0
ISHARES TR CORE S&P TTL STK 464287150   26,092,161 179,143 SH   SOLE   164,293 0 14,850
ISHARES TR CORE S&P500 ETF 464287200   8,022,364 11,986 SH   SOLE   11,986 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507   1,106,167 21,571 SH   SOLE   20,351 0 1,220
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,645,234 61,275 SH   SOLE   60,462 0 813
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   627,282 12,290 SH   SOLE   12,290 0 0
JOHNSON & JOHNSON COM 478160104   414,970 2,238 SH   SOLE   2,238 0 0
JPMORGAN CHASE & CO. COM 46625H100   944,397 2,994 SH   SOLE   2,994 0 0
LAM RESEARCH CORP COM NEW 512807306   223,211 1,667 SH   SOLE   1,667 0 0
LINDE PLC SHS G54950103   291,175 613 SH   SOLE   613 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   55,874 12,307 SH   SOLE   12,307 0 0
MASTERCARD INCORPORATED CL A 57636Q104   539,232 948 SH   SOLE   948 0 0
MCDONALDS CORP COM 580135101   259,218 853 SH   SOLE   853 0 0
MERCK & CO INC COM 58933Y105   201,516 2,401 SH   SOLE   2,401 0 0
META PLATFORMS INC CL A 30303M102   1,532,651 2,087 SH   SOLE   2,087 0 0
MICROSOFT CORP COM 594918104   4,569,385 8,822 SH   SOLE   8,822 0 0
MORGAN STANLEY COM NEW 617446448   202,515 1,274 SH   SOLE   1,274 0 0
NETFLIX INC COM 64110L106   405,235 338 SH   SOLE   338 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204   201,840 168,200 SH   SOLE   168,200 0 0
NVIDIA CORPORATION COM 67066G104   4,412,617 23,650 SH   SOLE   23,650 0 0
ORACLE CORP COM 68389X105   483,902 1,721 SH   SOLE   1,717 0 4
PALANTIR TECHNOLOGIES INC CL A 69608A108   427,775 2,345 SH   SOLE   2,345 0 0
PHILIP MORRIS INTL INC COM 718172109   272,496 1,680 SH   SOLE   1,680 0 0
PROCTER AND GAMBLE CO COM 742718109   424,689 2,764 SH   SOLE   2,764 0 0
RTX CORPORATION COM 75513E101   295,839 1,768 SH   SOLE   1,768 0 0
SALESFORCE INC COM 79466L302   204,294 862 SH   SOLE   862 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,247,544 83,397 SH   SOLE   80,366 0 3,030
SCHWAB STRATEGIC TR US REIT ETF 808524847   853,482 39,568 SH   SOLE   39,568 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   849,121 36,179 SH   SOLE   36,178 0 1
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   664,919 25,862 SH   SOLE   25,858 0 4
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   857,188 30,823 SH   SOLE   30,823 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   838,842 19,604 SH   SOLE   19,604 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200   2,131,276 69,063 SH   SOLE   66,805 0 2,258
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   3,039,495 33,586 SH   SOLE   32,338 0 1,248
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622   1,137,895 11,612 SH   SOLE   11,152 0 461
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   407,983 9,812 SH   SOLE   9,287 0 525
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   522,272 1,870 SH   SOLE   1,870 0 0
TESLA INC COM 88160R101   1,359,954 3,058 SH   SOLE   3,058 0 0
UNITEDHEALTH GROUP INC COM 91324P102   279,758 810 SH   SOLE   810 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,767,625 35,073 SH   SOLE   33,160 0 1,914
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   22,254,539 299,241 SH   SOLE   277,953 0 21,287
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   9,790,889 197,956 SH   SOLE   191,493 0 6,463
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,107,507 66,807 SH   SOLE   63,931 0 2,876
VANGUARD INDEX FDS MID CAP ETF 922908629   401,249 1,366 SH   SOLE   1,366 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   545,220 1,771 SH   SOLE   1,771 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   254,280 1,000 SH   SOLE   1,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,377,658 4,198 SH   SOLE   4,198 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   4,716,208 33,085 SH   SOLE   31,478 0 1,607
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,976,689 62,352 SH   SOLE   59,809 0 2,543
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   9,132,080 168,551 SH   SOLE   161,689 0 6,861
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,474,461 29,448 SH   SOLE   29,448 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   475,654 6,475 SH   SOLE   6,475 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,620,940 360,830 SH   SOLE   347,882 0 12,948
VISA INC COM CL A 92826C839   593,318 1,738 SH   SOLE   1,738 0 0
WALMART INC COM 931142103   511,899 4,967 SH   SOLE   4,967 0 0
WELLS FARGO CO NEW COM 949746101   271,242 3,236 SH   SOLE   3,236 0 0
WILLIAMS COS INC COM 969457100   232,495 3,670 SH   SOLE   3,670 0 0