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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,215,925 99,366 SH   SOLE   0 0 99,366
APPLE INC COM 037833100   5,766,570 29,729 SH   SOLE   0 0 29,729
AMAZON COM INC COM 023135106   4,375,794 33,567 SH   SOLE   0 0 33,567
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,803,565 8,153 SH   SOLE   0 0 8,153
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,692,150 6,073 SH   SOLE   0 0 6,073
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,567,852 38,275 SH   SOLE   0 0 38,275
ALPHABET INC CAP STK CL A 02079K305   2,542,185 21,015 SH   SOLE   0 0 21,015
META PLATFORMS INC CL A 30303M102   2,193,962 7,645 SH   SOLE   0 0 7,645
MICROSOFT CORP COM 594918104   2,067,672 6,072 SH   SOLE   0 0 6,072
NVIDIA CORPORATION COM 67066G104   1,962,351 4,639 SH   SOLE   0 0 4,639
VERIZON COMMUNICATIONS INC COM 92343V104   1,580,967 42,511 SH   SOLE   0 0 42,511
AT&T INC COM 00206R102   1,500,981 94,105 SH   SOLE   0 0 94,105
BRISTOL-MYERS SQUIBB CO COM 110122108   1,307,838 20,451 SH   SOLE   0 0 20,451
INTERNATIONAL BUSINESS MACHS COM 459200101   1,239,208 9,261 SH   SOLE   0 0 9,261
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,221,121 3,581 SH   SOLE   0 0 3,581
JPMORGAN CHASE & CO COM 46625H100   1,217,321 8,370 SH   SOLE   0 0 8,370
NETFLIX INC COM 64110L106   1,163,775 2,642 SH   SOLE   0 0 2,642
BANK AMERICA CORP COM 060505104   1,111,716 38,749 SH   SOLE   0 0 38,749
SALESFORCE INC COM 79466L302   1,109,326 5,251 SH   SOLE   0 0 5,251
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,095,785 51,761 SH   SOLE   0 0 51,761
INVESCO QQQ TR UNIT SER 1 46090E103   1,089,557 2,949 SH   SOLE   0 0 2,949
BOEING CO COM 097023105   1,055,218 4,997 SH   SOLE   0 0 4,997
PFIZER INC COM 717081103   999,203 27,241 SH   SOLE   0 0 27,241
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   990,176 87,087 SH   SOLE   0 0 87,087
CISCO SYS INC COM 17275R102   985,639 19,050 SH   SOLE   0 0 19,050
STARBUCKS CORP COM 855244109   947,731 9,567 SH   SOLE   0 0 9,567
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   896,407 20,466 SH   SOLE   0 0 20,466
ALTRIA GROUP INC COM 02209S103   894,434 19,745 SH   SOLE   0 0 19,745
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   872,286 19,256 SH   SOLE   0 0 19,256
INTEL CORP COM 458140100   859,904 25,715 SH   SOLE   0 0 25,715
WELLS FARGO CO NEW PERP PFD CNV A 949746804   858,169 20,107 SH   SOLE   0 0 20,107
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   802,655 39,021 SH   SOLE   0 0 39,021
QUALCOMM INC COM 747525103   791,301 6,647 SH   SOLE   0 0 6,647
WYNN RESORTS LTD COM 983134107   746,079 7,064 SH   SOLE   0 0 7,064
GENERAL MTRS CO COM 37045V100   716,734 18,587 SH   SOLE   0 0 18,587
JOHNSON & JOHNSON COM 478160104   711,385 4,298 SH   SOLE   0 0 4,298
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   690,231 6,507 SH   SOLE   0 0 6,507
PROCTER AND GAMBLE CO COM 742718109   667,804 4,401 SH   SOLE   0 0 4,401
CITIGROUP INC COM NEW 172967424   650,308 14,125 SH   SOLE   0 0 14,125
GENERAL DYNAMICS CORP COM 369550108   649,137 3,017 SH   SOLE   0 0 3,017
COCA COLA CO COM 191216100   644,390 10,701 SH   SOLE   0 0 10,701
3M CO COM 88579Y101   616,474 6,159 SH   SOLE   0 0 6,159
ISHARES INC MSCI MEXICO ETF 464286822   580,351 9,333 SH   SOLE   0 0 9,333
DISNEY WALT CO COM 254687106   554,518 6,211 SH   SOLE   0 0 6,211
CHEVRON CORP NEW COM 166764100   552,970 3,514 SH   SOLE   0 0 3,514
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   544,500 15,273 SH   SOLE   0 0 15,273
ISHARES TR ISHARES BIOTECH 464287556   539,494 4,249 SH   SOLE   0 0 4,249
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   532,773 21,631 SH   SOLE   0 0 21,631
RAYTHEON TECHNOLOGIES CORP COM 75513E101   517,223 5,280 SH   SOLE   0 0 5,280
TESLA INC COM 88160R101   515,949 1,971 SH   SOLE   0 0 1,971
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   514,598 8,340 SH   SOLE   0 0 8,340
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   510,532 31,968 SH   SOLE   0 0 31,968
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   507,448 2,919 SH   SOLE   0 0 2,919
NORFOLK SOUTHN CORP COM 655844108   499,432 2,202 SH   SOLE   0 0 2,202
COSTCO WHSL CORP NEW COM 22160K105   491,963 914 SH   SOLE   0 0 914
BP PLC SPONSORED ADR 055622104   474,159 13,436 SH   SOLE   0 0 13,436
DELTA AIR LINES INC DEL COM NEW 247361702   470,646 9,900 SH   SOLE   0 0 9,900
MERCK & CO INC COM 58933Y105   440,177 3,815 SH   SOLE   0 0 3,815
HOME DEPOT INC COM 437076102   439,304 1,414 SH   SOLE   0 0 1,414
GILEAD SCIENCES INC COM 375558103   407,702 5,290 SH   SOLE   0 0 5,290
ALASKA AIR GROUP INC COM 011659109   392,509 7,381 SH   SOLE   0 0 7,381
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   392,089 2,620 SH   SOLE   0 0 2,620
AMGEN INC COM 031162100   389,297 1,753 SH   SOLE   0 0 1,753
SPDR SER TR S&P BIOTECH 78464A870   385,152 4,629 SH   SOLE   0 0 4,629
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   381,822 937 SH   SOLE   0 0 937
ISHARES TR RUS 1000 GRW ETF 464287614   380,660 1,383 SH   SOLE   0 0 1,383
CLOROX CO DEL COM 189054109   380,359 2,392 SH   SOLE   0 0 2,392
SPDR SER TR S&P 600 SMCP VAL 78464A300   377,408 4,889 SH   SOLE   0 0 4,889
EXXON MOBIL CORP COM 30231G102   376,453 3,510 SH   SOLE   0 0 3,510
ISHARES TR MSCI EMG MKT ETF 464287234   372,368 9,413 SH   SOLE   0 0 9,413
AMERICAN AIRLS GROUP INC COM 02376R102   370,282 20,640 SH   SOLE   0 0 20,640
ABBOTT LABS COM 002824100   368,746 3,382 SH   SOLE   0 0 3,382
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   351,364 15,337 SH   SOLE   0 0 15,337
ADOBE SYSTEMS INCORPORATED COM 00724F101   350,117 716 SH   SOLE   0 0 716
ISHARES TR RUS 2000 GRW ETF 464287648   341,789 1,409 SH   SOLE   0 0 1,409
ISHARES TR RUS 1000 VAL ETF 464287598   339,067 2,148 SH   SOLE   0 0 2,148
ISHARES TR CORE US AGGBD ET 464287226   329,452 3,363 SH   SOLE   0 0 3,363
SCHWAB CHARLES CORP COM 808513105   317,698 5,605 SH   SOLE   0 0 5,605
SCHWAB STRATEGIC TR US TIPS ETF 808524870   317,132 6,049 SH   SOLE   0 0 6,049
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   310,206 4,105 SH   SOLE   0 0 4,105
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   309,465 15,466 SH   SOLE   0 0 15,466
FORD MTR CO DEL COM 345370860   305,727 20,207 SH   SOLE   0 0 20,207
PAYPAL HLDGS INC COM 70450Y103   295,414 4,427 SH   SOLE   0 0 4,427
WISDOMTREE TR EMER MKT HIGH FD 97717W315   288,736 7,545 SH   SOLE   0 0 7,545
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   282,381 3,768 SH   SOLE   0 0 3,768
CATERPILLAR INC COM 149123101   281,001 1,142 SH   SOLE   0 0 1,142
VISA INC COM CL A 92826C839   278,714 1,174 SH   SOLE   0 0 1,174
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   278,026 13,812 SH   SOLE   0 0 13,812
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   269,040 2,027 SH   SOLE   0 0 2,027
SELECT SECTOR SPDR TR ENERGY 81369Y506   261,312 3,219 SH   SOLE   0 0 3,219
ADVANCED MICRO DEVICES INC COM 007903107   257,892 2,264 SH   SOLE   0 0 2,264
GOLDMAN SACHS GROUP INC COM 38141G104   248,194 769 SH   SOLE   0 0 769
REALTY INCOME CORP COM 756109104   244,745 4,093 SH   SOLE   0 0 4,093
PHILIP MORRIS INTL INC COM 718172109   243,503 2,494 SH   SOLE   0 0 2,494
SCHLUMBERGER LTD COM STK 806857108   239,252 4,871 SH   SOLE   0 0 4,871
GENERAL ELECTRIC CO COM NEW 369604301   238,236 2,169 SH   SOLE   0 0 2,169
COLGATE PALMOLIVE CO COM 194162103   233,451 3,030 SH   SOLE   0 0 3,030
LOCKHEED MARTIN CORP COM 539830109   231,672 503 SH   SOLE   0 0 503
ISHARES TR RUSSELL 2000 ETF 464287655   231,418 1,236 SH   SOLE   0 0 1,236
PROSHARES TR S&P 500 DV ARIST 74348A467   225,480 2,392 SH   SOLE   0 0 2,392
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   225,282 8,415 SH   SOLE   0 0 8,415
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   221,737 3,732 SH   SOLE   0 0 3,732
MEDTRONIC PLC SHS G5960L103   220,250 2,500 SH   SOLE   0 0 2,500
PEPSICO INC COM 713448108   219,536 1,185 SH   SOLE   0 0 1,185
ISHARES TR CALIF MUN BD ETF 464288356   217,435 3,818 SH   SOLE   0 0 3,818
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   207,375 11,489 SH   SOLE   0 0 11,489
CBOE GLOBAL MKTS INC COM 12503M108   202,500 1,467 SH   SOLE   0 0 1,467
XEROX HOLDINGS CORP COM NEW 98421M106   171,815 11,539 SH   SOLE   0 0 11,539
WARNER BROS DISCOVERY INC COM SER A 934423104   157,578 12,566 SH   SOLE   0 0 12,566
JETBLUE AWYS CORP COM 477143101   92,587 10,450 SH   SOLE   0 0 10,450