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
AIRBNB INC COM CL A 009066101   2,151,125 17,292 SH   SOLE   17,292 0 0
ALPHABET INC CAP STK CL C 02079K107   588,432 5,658 SH   SOLE   5,658 0 0
AMAZON COM INC COM 023135106   872,904 8,451 SH   SOLE   8,451 0 0
APPLE INC COM 037833100   9,975,131 60,492 SH   SOLE   60,492 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   390,285 1,264 SH   SOLE   1,264 0 0
BLOCK INC CL A 852234103   2,714,627 39,543 SH   SOLE   39,543 0 0
BOEING CO COM 097023105   210,306 990 SH   SOLE   990 0 0
BROADCOM INC COM 11135F101   207,217 323 SH   SOLE   323 0 0
CHEVRON CORP NEW COM 166764100   471,532 2,890 SH   SOLE   2,890 0 0
COMCAST CORP NEW CL A 20030N101   211,955 5,591 SH   SOLE   5,591 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   668,759 23,245 SH   SOLE   23,245 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   560,652 24,355 SH   SOLE   24,355 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   2,147,169 48,327 SH   SOLE   48,327 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   538,775 21,145 SH   SOLE   21,145 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   246,575 5,541 SH   SOLE   5,541 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,656,004 45,246 SH   SOLE   45,246 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,598,254 35,438 SH   SOLE   35,438 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   2,080,954 31,780 SH   SOLE   31,780 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   776,986 17,209 SH   SOLE   17,209 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,576,432 70,251 SH   SOLE   70,251 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,185,504 35,554 SH   SOLE   35,554 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   3,583,509 67,754 SH   SOLE   67,754 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   2,716,682 23,841 SH   SOLE   23,841 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   537,369 11,787 SH   SOLE   11,787 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   871,536 19,889 SH   SOLE   19,889 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   698,283 28,513 SH   SOLE   28,513 0 0
HONEYWELL INTL INC COM 438516106   270,053 1,413 SH   SOLE   1,413 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   215,216 1,636 SH   SOLE   1,636 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   203,196 17,700 SH   SOLE   17,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   400,195 14,595 SH   SOLE   14,595 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   900,185 5,282 SH   SOLE   5,282 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   1,997,956 39,587 SH   SOLE   39,587 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   3,733,181 13,527 SH   SOLE   13,527 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,296,500 10,140 SH   SOLE   10,140 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,521,116 5,215 SH   SOLE   5,215 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   213,910 1,140 SH   SOLE   1,140 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,042,002 19,403 SH   SOLE   19,403 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   303,574 1,865 SH   SOLE   1,865 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   7,047,388 56,804 SH   SOLE   56,804 0 0
ISHARES TR FALN ANGLS USD 46435G474   634,934 25,126 SH   SOLE   25,126 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   1,276,666 12,880 SH   SOLE   12,880 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,363,816 38,635 SH   SOLE   38,635 0 0
ISHARES TR CORE US AGGBD ET 464287226   392,881 3,943 SH   SOLE   3,943 0 0
ISHARES TR DOW JONES US ETF 464287846   219,153 2,190 SH   SOLE   2,190 0 0
ISHARES TR 20 YR TR BD ETF 464287432   499,726 4,698 SH   SOLE   4,698 0 0
META PLATFORMS INC CL A 30303M102   278,065 1,312 SH   SOLE   1,312 0 0
MICROSOFT CORP COM 594918104   936,110 3,247 SH   SOLE   3,247 0 0
PHILIP MORRIS INTL INC COM 718172109   205,781 2,116 SH   SOLE   2,116 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   8,405,380 136,274 SH   SOLE   136,274 0 0
PROCTER AND GAMBLE CO COM 742718109   328,159 2,207 SH   SOLE   2,207 0 0
SALESFORCE INC COM 79466L302   224,153 1,122 SH   SOLE   1,122 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,803,077 37,047 SH   SOLE   37,047 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,172,580 39,559 SH   SOLE   39,559 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,107,277 15,135 SH   SOLE   15,135 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   636,753 32,654 SH   SOLE   32,654 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   738,103 22,279 SH   SOLE   22,279 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,544,531 28,539 SH   SOLE   28,539 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,092,999 13,860 SH   SOLE   13,860 0 0
SPDR SER TR S&P INS ETF 78464A789   220,219 5,595 SH   SOLE   5,595 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   221,361 8,300 SH   SOLE   8,300 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,723,151 22,944 SH   SOLE   22,944 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,420,740 6,961 SH   SOLE   6,961 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,772,689 59,495 SH   SOLE   59,495 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,062,578 52,351 SH   SOLE   52,351 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   459,876 10,181 SH   SOLE   10,181 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   307,964 2,696 SH   SOLE   2,696 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   437,082 2,458 SH   SOLE   2,458 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   213,166 1,445 SH   SOLE   1,445 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   536,297 2,249 SH   SOLE   2,249 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   586,421 2,322 SH   SOLE   2,322 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   354,489 3,667 SH   SOLE   3,667 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   202,656 5,211 SH   SOLE   5,211 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   3,091,632 111,050 SH   SOLE   111,050 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   7,462,490 148,448 SH   SOLE   148,448 0 0