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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
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   696,611 13,845 SH   SOLE   13,845 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   11,629,523 23,828 SH   SOLE   23,827 0 0
ISHARES TR U S EQUITY FACTR 46434V282   2,555,907 43,490 SH   SOLE   43,490 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   318,914 1,126 SH   SOLE   1,126 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,793,775 38,709 SH   SOLE   38,709 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   6,308,568 217,013 SH   SOLE   217,012 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,348,774 22,119 SH   SOLE   22,118 0 0
ISHARES TR S&P 100 ETF 464287101   6,245,643 22,567 SH   SOLE   22,567 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   259,677 3,123 SH   SOLE   3,123 0 0
ISHARES TR CALIF MUN BD ETF 464288356   331,235 5,700 SH   SOLE   5,700 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,699,759 26,502 SH   SOLE   26,502 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   268,214 3,377 SH   SOLE   3,377 0 0
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   1,013,481 12,932 SH   SOLE   12,932 0 0
ISHARES TR EUROPE ETF 464287861   5,031,964 86,356 SH   SOLE   86,356 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   418,105 1,588 SH   SOLE   1,588 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,958,963 58,087 SH   SOLE   58,087 0 0
ISHARES INC MSCI EMRG CHN 46434G764   12,053,275 197,239 SH   SOLE   197,239 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   3,728,950 75,378 SH   SOLE   75,378 0 0
ISHARES TR EAFE GRWTH ETF 464288885   7,177,545 66,675 SH   SOLE   66,674 0 0
ISHARES TR RUS TOP 200 ETF 464289446   14,291,812 101,765 SH   SOLE   101,764 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   242,180 7,621 SH   SOLE   7,620 0 0
ISHARES TR EAFE VALUE ETF 464288877   200,780 3,490 SH   SOLE   3,490 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,151,855 17,759 SH   SOLE   17,759 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,278,741 66,455 SH   SOLE   66,454 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   356,451 6,408 SH   SOLE   6,407 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   38,001,009 610,949 SH   SOLE   610,948 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   456,783 5,003 SH   SOLE   5,002 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,047,125 38,768 SH   SOLE   38,768 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,111,045 265,521 SH   SOLE   265,521 0 0
ISHARES TR CORE S&P TTL STK 464287150   30,633,295 243,857 SH   SOLE   243,856 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   357,222 8,569 SH   SOLE   8,568 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   481,373 6,628 SH   SOLE   6,627 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   1,351,786 46,839 SH   SOLE   46,839 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   288,790 4,293 SH   SOLE   4,293 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   5,261,379 29,344 SH   SOLE   29,344 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,475,181 39,475 SH   SOLE   39,475 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   608,912 8,653 SH   SOLE   8,653 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,406,165 14,334 SH   SOLE   14,334 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   1,215,646 23,958 SH   SOLE   23,958 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,296,245 15,629 SH   SOLE   15,628 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   257,745 4,876 SH   SOLE   4,876 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   1,066,203 26,339 SH   SOLE   26,339 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   3,959,910 55,306 SH   SOLE   55,306 0 0
ISHARES TR RUS 1000 ETF 464287622   1,497,440 4,763 SH   SOLE   4,763 0 0