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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
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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 SHORT MATURITY M 46431W838   824,724 16,511 SH   SOLE   16,511 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   11,625,523 22,740 SH   SOLE   22,740 0 0
ISHARES TR U S EQUITY FACTR 46434V282   3,033,493 50,265 SH   SOLE   50,265 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   327,314 1,129 SH   SOLE   1,129 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   667,071 15,951 SH   SOLE   15,951 0 0
ISHARES TR U.S. ENERGY ETF 464287796   3,017,190 66,210 SH   SOLE   66,210 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,519,832 172,579 SH   SOLE   172,579 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,590,105 24,555 SH   SOLE   24,555 0 0
ISHARES TR S&P 100 ETF 464287101   6,624,775 22,935 SH   SOLE   22,935 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   577,385 7,043 SH   SOLE   7,043 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   205,842 6,017 SH   SOLE   6,017 0 0
ISHARES TR CALIF MUN BD ETF 464288356   329,621 5,755 SH   SOLE   5,755 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,573,853 27,658 SH   SOLE   27,658 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   298,631 3,828 SH   SOLE   3,828 0 0
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   1,103,358 12,932 SH   SOLE   12,932 0 0
ISHARES TR EUROPE ETF 464287861   5,072,362 97,433 SH   SOLE   97,433 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   477,369 1,770 SH   SOLE   1,770 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,689,107 72,749 SH   SOLE   72,749 0 0
ISHARES INC MSCI EMRG CHN 46434G764   11,152,215 201,122 SH   SOLE   201,122 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   3,864,865 75,412 SH   SOLE   75,412 0 0
ISHARES TR EAFE GRWTH ETF 464288885   6,868,550 70,934 SH   SOLE   70,934 0 0
ISHARES TR RUS TOP 200 ETF 464289446   14,881,186 102,835 SH   SOLE   102,835 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   926,415 14,235 SH   SOLE   14,235 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,305,308 66,647 SH   SOLE   66,647 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   293,821 5,279 SH   SOLE   5,279 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   38,976,045 611,389 SH   SOLE   611,389 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   972,849 39,133 SH   SOLE   39,133 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,363,528 292,095 SH   SOLE   292,095 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   305,976 7,414 SH   SOLE   7,414 0 0
ISHARES TR CORE S&P TTL STK 464287150   33,738,497 262,311 SH   SOLE   262,311 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   321,318 7,852 SH   SOLE   7,852 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   446,224 6,747 SH   SOLE   6,747 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   1,199,906 46,981 SH   SOLE   46,981 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   257,499 4,950 SH   SOLE   4,950 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   302,775 4,517 SH   SOLE   4,517 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   5,474,535 30,742 SH   SOLE   30,742 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,303,393 39,247 SH   SOLE   39,247 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   603,806 25,959 SH   SOLE   25,959 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,966,410 22,517 SH   SOLE   22,517 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878   1,026,359 20,352 SH   SOLE   20,352 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,326,561 15,092 SH   SOLE   15,092 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   259,178 5,068 SH   SOLE   5,068 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   866,190 22,687 SH   SOLE   22,687 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   4,115,378 54,107 SH   SOLE   54,107 0 0
ISHARES TR RUS 1000 ETF 464287622   1,534,448 4,763 SH   SOLE   4,763 0 0