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   394,980 3,492 SH   SOLE 0 0 0 3,492
ABBVIE INC COM 00287Y109   988,645 5,564 SH   SOLE 0 0 0 5,564
ADOBE INC COM 00724F101   938,719 2,111 SH   SOLE 0 0 0 2,111
ADVANCED MICRO DEVICES INC COM 007903107   371,429 3,075 SH   SOLE 0 0 0 3,075
ALPHABET INC CAP STK CL A 02079K305   1,870,450 9,881 SH   SOLE 0 0 0 9,881
ALPHABET INC CAP STK CL C 02079K107   1,024,269 5,378 SH   SOLE 0 0 0 5,378
AMAZON COM INC COM 023135106   11,121,098 50,691 SH   SOLE 0 0 0 50,691
AMGEN INC COM 031162100   254,319 976 SH   SOLE 0 0 0 976
APPLE INC COM 037833100   37,114,448 148,209 SH   SOLE 0 0 0 148,209
AUTOZONE INC COM 053332102   240,150 75 SH   SOLE 0 0 0 75
BANK AMERICA CORP COM 060505104   337,967 7,690 SH   SOLE 0 0 0 7,690
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,160,657 9,179 SH   SOLE 0 0 0 9,179
BLACKROCK INC COM 09290D101   417,220 407 SH   SOLE 0 0 0 407
BP PLC SPONSORED ADR 055622104   213,335 7,217 SH   SOLE 0 0 0 7,217
BRISTOL-MYERS SQUIBB CO COM 110122108   257,219 4,548 SH   SOLE 0 0 0 4,548
BROADCOM INC COM 11135F101   263,138 1,135 SH   SOLE 0 0 0 1,135
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,849,537 80,815 SH   SOLE 0 0 0 80,815
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   813,565 32,978 SH   SOLE 0 0 0 32,978
CATERPILLAR INC COM 149123101   314,513 867 SH   SOLE 0 0 0 867
CHEVRON CORP NEW COM 166764100   737,539 5,092 SH   SOLE 0 0 0 5,092
CISCO SYS INC COM 17275R102   371,598 6,277 SH   SOLE 0 0 0 6,277
CONSTELLATION ENERGY CORP COM 21037T109   286,349 1,280 SH   SOLE 0 0 0 1,280
COSTCO WHSL CORP NEW COM 22160K105   1,595,061 1,741 SH   SOLE 0 0 0 1,741
CROWDSTRIKE HLDGS INC CL A 22788C105   206,322 603 SH   SOLE 0 0 0 603
DBX ETF TR XTRACK MSCI EAFE 233051200   9,466,509 228,660 SH   SOLE 0 0 0 228,660
DEERE & CO COM 244199105   408,871 965 SH   SOLE 0 0 0 965
DISNEY WALT CO COM 254687106   337,989 3,035 SH   SOLE 0 0 0 3,035
ELI LILLY & CO COM 532457108   643,627 834 SH   SOLE 0 0 0 834
EXXON MOBIL CORP COM 30231G102   1,045,778 9,722 SH   SOLE 0 0 0 9,722
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,792,669 66,346 SH   SOLE 0 0 0 66,346
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   312,065 17,631 SH   SOLE 0 0 0 17,631
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   473,734 7,926 SH   SOLE 0 0 0 7,926
FISERV INC COM 337738108   375,919 1,830 SH   SOLE 0 0 0 1,830
FORD MTR CO COM 345370860   257,400 26,000 SH   SOLE 0 0 0 26,000
FRESENIUS MEDICAL CARE AG SPONSORED ADR 358029106   319,382 14,107 SH   SOLE 0 0 0 14,107
GENERAL DYNAMICS CORP COM 369550108   403,403 1,531 SH   SOLE 0 0 0 1,531
GILEAD SCIENCES INC COM 375558103   253,123 2,740 SH   SOLE 0 0 0 2,740
HEICO CORP NEW COM 422806109   832,090 3,500 SH   SOLE 0 0 0 3,500
HOME DEPOT INC COM 437076102   1,990,589 5,117 SH   SOLE 0 0 0 5,117
HONEYWELL INTL INC COM 438516106   292,528 1,295 SH   SOLE 0 0 0 1,295
INTEL CORP COM 458140100   1,478,375 73,734 SH   SOLE 0 0 0 73,734
INTERNATIONAL BUSINESS MACHS COM 459200101   473,341 2,153 SH   SOLE 0 0 0 2,153
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   1,498,428 60,665 SH   SOLE 0 0 0 60,665
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,001,254 14,304 SH   SOLE 0 0 0 14,304
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   28,008,971 133,091 SH   SOLE 0 0 0 133,091
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   252,473 6,747 SH   SOLE 0 0 0 6,747
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   789,709 19,576 SH   SOLE 0 0 0 19,576
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   398,823 2,276 SH   SOLE 0 0 0 2,276
INVESCO QQQ TR UNIT SER 1 46090E103   36,833,087 72,048 SH   SOLE 0 0 0 72,048
ISHARES INC MSCI EM ASIA ETF 464286426   231,226 3,227 SH   SOLE 0 0 0 3,227
ISHARES INC CORE MSCI EMKT 46434G103   967,504 18,527 SH   SOLE 0 0 0 18,527
ISHARES TR CORE MSCI TOTAL 46432F834   11,181,741 169,062 SH   SOLE 0 0 0 169,062
ISHARES TR MSCI USA MIN VOL 46429B697   2,697,678 30,383 SH   SOLE 0 0 0 30,383
ISHARES TR CORE TOTAL USD 46434V613   10,867,687 240,436 SH   SOLE 0 0 0 240,436
ISHARES TR MSCI INDIA ETF 46429B598   306,891 5,830 SH   SOLE 0 0 0 5,830
ISHARES TR CORE HIGH DV ETF 46429B663   305,095 2,718 SH   SOLE 0 0 0 2,718
ISHARES TR 0-5 YR TIPS ETF 46429B747   667,582 6,636 SH   SOLE 0 0 0 6,636
ISHARES TR CALIF MUN BD ETF 464288356   4,138,595 72,252 SH   SOLE 0 0 0 72,252
ISHARES TR HDG MSCI EAFE 46434V803   427,773 12,310 SH   SOLE 0 0 0 12,310
ISHARES TR ESG MSCI LEADR 46435U218   238,294 2,313 SH   SOLE 0 0 0 2,313
ISHARES TR ESG AW MSCI EAFE 46435G516   258,876 3,400 SH   SOLE 0 0 0 3,400
ISHARES TR ESG AWR MSCI USA 46435G425   259,707 2,016 SH   SOLE 0 0 0 2,016
ISHARES TR CORE INTL AGGR 46435G672   5,410,905 108,392 SH   SOLE 0 0 0 108,392
ISHARES TR MSCI EAFE ETF 464287465   5,329,328 70,484 SH   SOLE 0 0 0 70,484
ISHARES TR RUS MID CAP ETF 464287499   8,178,819 92,521 SH   SOLE 0 0 0 92,521
ISHARES TR RUS MD CP GR ETF 464287481   462,257 3,647 SH   SOLE 0 0 0 3,647
ISHARES TR CORE S&P MCP ETF 464287507   15,758,917 252,912 SH   SOLE 0 0 0 252,912
ISHARES TR S&P MC 400VL ETF 464287705   588,483 4,709 SH   SOLE 0 0 0 4,709
ISHARES TR CORE S&P SCP ETF 464287804   15,303,487 132,820 SH   SOLE 0 0 0 132,820
ISHARES TR S&P 500 VAL ETF 464287408   1,038,924 5,443 SH   SOLE 0 0 0 5,443
ISHARES TR CORE S&P500 ETF 464287200   69,704,287 118,408 SH   SOLE 0 0 0 118,408
ISHARES TR RUS 1000 ETF 464287622   4,320,687 13,412 SH   SOLE 0 0 0 13,412
ISHARES TR RUS 1000 VAL ETF 464287598   451,390 2,438 SH   SOLE 0 0 0 2,438
ISHARES TR RUS 1000 GRW ETF 464287614   809,112 2,015 SH   SOLE 0 0 0 2,015
ISHARES TR RUSSELL 2000 ETF 464287655   11,724,238 53,060 SH   SOLE 0 0 0 53,060
ISHARES TR ISHARES SEMICDTR 464287523   524,540 2,434 SH   SOLE 0 0 0 2,434
ISHARES TR MSCI EMG MKT ETF 464287234   580,604 13,883 SH   SOLE 0 0 0 13,883
ISHARES TR 1 3 YR TREAS BD 464287457   1,653,538 20,170 SH   SOLE 0 0 0 20,170
ISHARES TR 20 YR TR BD ETF 464287432   1,798,127 20,590 SH   SOLE 0 0 0 20,590
ISHARES TR EAFE GRWTH ETF 464288885   8,414,313 86,898 SH   SOLE 0 0 0 86,898
ISHARES TR CORE US AGGBD ET 464287226   849,509 8,767 SH   SOLE 0 0 0 8,767
ISHARES TR SELECT DIVID ETF 464287168   663,876 5,057 SH   SOLE 0 0 0 5,057
ISHARES TR TIPS BD ETF 464287176   3,898,469 36,588 SH   SOLE 0 0 0 36,588
ISHARES TR MBS ETF 464288588   1,871,097 20,409 SH   SOLE 0 0 0 20,409
ISHARES TR PFD AND INCM SEC 464288687   1,037,348 32,995 SH   SOLE 0 0 0 32,995
ISHARES TR US AER DEF ETF 464288760   1,728,034 11,889 SH   SOLE 0 0 0 11,889
ISHARES TR CORE S&P TTL STK 464287150   509,671 3,963 SH   SOLE 0 0 0 3,963
ISHARES TR IBOXX HI YD ETF 464288513   3,534,166 44,935 SH   SOLE 0 0 0 44,935
ISHARES TR ISHS 1-5YR INVS 464288646   3,733,452 72,214 SH   SOLE 0 0 0 72,214
ISHARES TR GL TIMB FORE ETF 464288174   503,661 6,598 SH   SOLE 0 0 0 6,598
ISHARES TR MODERT ALLOC ETF 464289875   4,136,844 95,231 SH   SOLE 0 0 0 95,231
ISHARES TR GRWT ALLOCAT ETF 464289867   4,054,358 70,732 SH   SOLE 0 0 0 70,732
ISHARES TR AGGRES ALLOC ETF 464289859   964,781 12,593 SH   SOLE 0 0 0 12,593
ISHARES TR NATIONAL MUN ETF 464288414   1,418,430 13,312 SH   SOLE 0 0 0 13,312
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   567,816 11,273 SH   SOLE 0 0 0 11,273
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   398,743 7,951 SH   SOLE 0 0 0 7,951
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   6,678,207 144,958 SH   SOLE 0 0 0 144,958
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   881,215 18,898 SH   SOLE 0 0 0 18,898
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   315,379 5,482 SH   SOLE 0 0 0 5,482
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   10,149,315 222,475 SH   SOLE 0 0 0 222,475
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   261,039 4,630 SH   SOLE 0 0 0 4,630
J P MORGAN EXCHANGE TRADED F EQUITY FOCUS ETF 46654Q781   607,480 9,052 SH   SOLE 0 0 0 9,052
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   419,863 7,839 SH   SOLE 0 0 0 7,839
JOHNSON & JOHNSON COM 478160104   544,060 3,762 SH   SOLE 0 0 0 3,762
JPMORGAN CHASE & CO. COM 46625H100   1,315,494 5,488 SH   SOLE 0 0 0 5,488
LABCORP HOLDINGS INC COM SHS 504922105   224,963 981 SH   SOLE 0 0 0 981
LAM RESEARCH CORP COM NEW 512807306   369,095 5,110 SH   SOLE 0 0 0 5,110
MCDONALDS CORP COM 580135101   660,659 2,279 SH   SOLE 0 0 0 2,279
MCKESSON CORP COM 58155Q103   360,753 633 SH   SOLE 0 0 0 633
MERCK & CO INC COM 58933Y105   232,883 2,341 SH   SOLE 0 0 0 2,341
META PLATFORMS INC CL A 30303M102   1,530,262 2,614 SH   SOLE 0 0 0 2,614
METTLER TOLEDO INTERNATIONAL COM 592688105   342,630 280 SH   SOLE 0 0 0 280
MICROSOFT CORP COM 594918104   4,110,109 9,751 SH   SOLE 0 0 0 9,751
MICROSTRATEGY INC CL A NEW 594972408   541,589 1,870 SH   SOLE 0 0 0 1,870
NETFLIX INC COM 64110L106   672,947 755 SH   SOLE 0 0 0 755
NEW YORK LIFE INVESTMENTS ET NYLI FTSE INTERN 45409B560   504,704 19,367 SH   SOLE 0 0 0 19,367
NVIDIA CORPORATION COM 67066G104   2,809,786 20,923 SH   SOLE 0 0 0 20,923
ORACLE CORP COM 68389X105   738,215 4,430 SH   SOLE 0 0 0 4,430
PALO ALTO NETWORKS INC COM 697435105   453,808 2,494 SH   SOLE 0 0 0 2,494
PEPSICO INC COM 713448108   1,222,562 8,040 SH   SOLE 0 0 0 8,040
PHILIP MORRIS INTL INC COM 718172109   287,998 2,393 SH   SOLE 0 0 0 2,393
PROCTER AND GAMBLE CO COM 742718109   726,468 4,333 SH   SOLE 0 0 0 4,333
SALESFORCE INC COM 79466L302   2,202,973 6,589 SH   SOLE 0 0 0 6,589
SCHWAB CHARLES CORP COM 808513105   282,042 3,811 SH   SOLE 0 0 0 3,811
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   14,531,007 640,132 SH   SOLE 0 0 0 640,132
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,370,224 398,390 SH   SOLE 0 0 0 398,390
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   11,478,473 495,189 SH   SOLE 0 0 0 495,189
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,956,286 152,989 SH   SOLE 0 0 0 152,989
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,224,772 79,827 SH   SOLE 0 0 0 79,827
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   690,766 26,497 SH   SOLE 0 0 0 26,497
SCHWAB STRATEGIC TR US REIT ETF 808524847   499,499 23,718 SH   SOLE 0 0 0 23,718
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,114,374 365,008 SH   SOLE 0 0 0 365,008
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,935,753 72,691 SH   SOLE 0 0 0 72,691
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,142,520 89,049 SH   SOLE 0 0 0 89,049
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,819,329 109,149 SH   SOLE 0 0 0 109,149
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   292,999 8,582 SH   SOLE 0 0 0 8,582
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   416,969 14,039 SH   SOLE 0 0 0 14,039
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   2,667,771 112,659 SH   SOLE 0 0 0 112,659
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,889,170 83,223 SH   SOLE 0 0 0 83,223
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   31,223,834 1,142,893 SH   SOLE 0 0 0 1,142,893
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   905,125 39,149 SH   SOLE 0 0 0 39,149
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   227,858 2,640 SH   SOLE 0 0 0 2,640
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   327,809 3,896 SH   SOLE 0 0 0 3,896
SELECT SECTOR SPDR TR ENERGY 81369Y506   668,991 7,810 SH   SOLE 0 0 0 7,810
SELECT SECTOR SPDR TR INDL 81369Y704   288,291 2,188 SH   SOLE 0 0 0 2,188
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   12,102,605 52,050 SH   SOLE 0 0 0 52,050
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,393,806 10,132 SH   SOLE 0 0 0 10,132
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   263,836 1,176 SH   SOLE 0 0 0 1,176
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   693,991 1,631 SH   SOLE 0 0 0 1,631
SPDR GOLD TR GOLD SHS 78463V107   3,644,299 15,051 SH   SOLE 0 0 0 15,051
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103   299,756 7,524 SH   SOLE 0 0 0 7,524
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   20,693,136 740,628 SH   SOLE 0 0 0 740,628
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,719,245 28,527 SH   SOLE 0 0 0 28,527
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,957,575 10,460 SH   SOLE 0 0 0 10,460
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,340,126 15,360 SH   SOLE 0 0 0 15,360
SPDR SER TR BLOOMBERG HIGH Y 78468R622   717,602 7,517 SH   SOLE 0 0 0 7,517
SPDR SER TR S&P DIVID ETF 78464A763   1,669,638 12,639 SH   SOLE 0 0 0 12,639
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,812,769 35,072 SH   SOLE 0 0 0 35,072
SPDR SER TR BLOOMBERG INTL 78464A151   9,792,343 345,287 SH   SOLE 0 0 0 345,287
SPDR SER TR PORTFOLIO AGRGTE 78464A649   25,407,621 1,016,712 SH   SOLE 0 0 0 1,016,712
SPROTT FOCUS TR INC COM 85208J109   292,723 40,017 SH   SOLE 0 0 0 40,017
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,551,837 65,313 SH   SOLE 0 0 0 65,313
STARBUCKS CORP COM 855244109   343,192 3,761 SH   SOLE 0 0 0 3,761
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   563,439 2,853 SH   SOLE 0 0 0 2,853
TARGET CORP COM 87612E106   248,146 1,836 SH   SOLE 0 0 0 1,836
TESLA INC COM 88160R101   3,476,659 8,609 SH   SOLE 0 0 0 8,609
TRAVELERS COMPANIES INC COM 89417E109   205,961 855 SH   SOLE 0 0 0 855
TRUST FOR PROFESSIONAL MANAG CONVERGENCE LNG 89834G760   533,198 23,274 SH   SOLE 0 0 0 23,274
ULTRA CLEAN HLDGS INC COM 90385V107   619,598 17,235 SH   SOLE 0 0 0 17,235
UNION PAC CORP COM 907818108   261,562 1,147 SH   SOLE 0 0 0 1,147
UNITEDHEALTH GROUP INC COM 91324P102   244,866 484 SH   SOLE 0 0 0 484
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,334,410 5,510 SH   SOLE 0 0 0 5,510
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   230,638 1,250 SH   SOLE 0 0 0 1,250
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   207,862 2,690 SH   SOLE 0 0 0 2,690
VANGUARD BD INDEX FDS INTERMED TERM 921937819   16,100,679 215,451 SH   SOLE 0 0 0 215,451
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   401,990 5,590 SH   SOLE 0 0 0 5,590
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,642,105 155,802 SH   SOLE 0 0 0 155,802
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,802,976 29,329 SH   SOLE 0 0 0 29,329
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   476,457 2,945 SH   SOLE 0 0 0 2,945
VANGUARD INDEX FDS LARGE CAP ETF 922908637   6,145,160 22,785 SH   SOLE 0 0 0 22,785
VANGUARD INDEX FDS VALUE ETF 922908744   10,233,051 60,443 SH   SOLE 0 0 0 60,443
VANGUARD INDEX FDS SMALL CP ETF 922908751   991,780 4,128 SH   SOLE 0 0 0 4,128
VANGUARD INDEX FDS GROWTH ETF 922908736   3,917,343 9,544 SH   SOLE 0 0 0 9,544
VANGUARD INDEX FDS MID CAP ETF 922908629   1,945,314 7,365 SH   SOLE 0 0 0 7,365
VANGUARD INDEX FDS SM CP VAL ETF 922908611   357,594 1,804 SH   SOLE 0 0 0 1,804
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,704,700 30,363 SH   SOLE 0 0 0 30,363
VANGUARD INDEX FDS TOTAL STK MKT 922908769   18,470,640 63,734 SH   SOLE 0 0 0 63,734
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   312,517 1,645 SH   SOLE 0 0 0 1,645
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,734,660 175,628 SH   SOLE 0 0 0 175,628
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,508,864 113,375 SH   SOLE 0 0 0 113,375
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,137,740 44,150 SH   SOLE 0 0 0 44,150
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   960,553 19,161 SH   SOLE 0 0 0 19,161
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   9,345,965 104,623 SH   SOLE 0 0 0 104,623
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   248,208 4,266 SH   SOLE 0 0 0 4,266
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   202,434 2,595 SH   SOLE 0 0 0 2,595
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   24,318,693 124,183 SH   SOLE 0 0 0 124,183
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,420,027 217,901 SH   SOLE 0 0 0 217,901
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,424,369 19,001 SH   SOLE 0 0 0 19,001
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,611,967 32,654 SH   SOLE 0 0 0 32,654
VANGUARD WORLD FD ESG US STK ETF 921910733   531,000 5,062 SH   SOLE 0 0 0 5,062
VANGUARD WORLD FD ESG INTL STK ETF 921910725   392,663 6,925 SH   SOLE 0 0 0 6,925
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   229,881 906 SH   SOLE 0 0 0 906
VANGUARD WORLD FD MATERIALS ETF 92204A801   205,497 1,094 SH   SOLE 0 0 0 1,094
VANGUARD WORLD FD INF TECH ETF 92204A702   2,749,738 4,422 SH   SOLE 0 0 0 4,422
VISA INC COM CL A 92826C839   752,813 2,382 SH   SOLE 0 0 0 2,382
WALMART INC COM 931142103   1,013,393 11,216 SH   SOLE 0 0 0 11,216
WELLS FARGO CO NEW COM 949746101   1,008,506 14,358 SH   SOLE 0 0 0 14,358
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   635,926 16,949 SH   SOLE 0 0 0 16,949
WISDOMTREE TR US QUALITY GROW 97717Y477   295,412 5,997 SH   SOLE 0 0 0 5,997
WISDOMTREE TR EM EX ST-OWNED 97717X578   8,586,978 281,725 SH   SOLE 0 0 0 281,725
WISDOMTREE TR US QTLY DIV GRT 97717X669   5,525,975 68,281 SH   SOLE 0 0 0 68,281
WORLD GOLD TR SPDR GLD MINIS 98149E303   4,041,339 77,733 SH   SOLE 0 0 0 77,733