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
ADOBE SYSTEMS INCORPORATED COM 00724F101   207,332 424 SH   SOLE   424 0 0
AIRBNB INC COM CL A 009066101   2,216,143 17,292 SH   SOLE   17,292 0 0
ALPHABET INC CAP STK CL C 02079K107   684,448 5,658 SH   SOLE   5,658 0 0
ALPHABET INC CAP STK CL A 02079K305   217,854 1,820 SH   SOLE   1,820 0 0
AMAZON COM INC COM 023135106   859,203 6,591 SH   SOLE   6,591 0 0
APPLE INC COM 037833100   11,570,892 59,653 SH   SOLE   59,653 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   467,170 1,370 SH   SOLE   1,370 0 0
BLOCK INC CL A 852234103   2,632,378 39,543 SH   SOLE   39,543 0 0
BOEING CO COM 097023105   209,048 990 SH   SOLE   990 0 0
BROADCOM INC COM 11135F101   234,206 270 SH   SOLE   270 0 0
CHEVRON CORP NEW COM 166764100   387,081 2,460 SH   SOLE   2,460 0 0
COMCAST CORP NEW CL A 20030N101   239,203 5,757 SH   SOLE   5,757 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   779,553 25,155 SH   SOLE   25,155 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   561,281 23,925 SH   SOLE   23,925 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,953,514 40,563 SH   SOLE   40,563 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   574,087 21,145 SH   SOLE   21,145 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   257,047 5,541 SH   SOLE   5,541 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,858,504 46,174 SH   SOLE   46,174 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   1,980,517 42,076 SH   SOLE   42,076 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   2,545,817 34,722 SH   SOLE   34,722 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   878,604 19,344 SH   SOLE   19,344 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,566,535 70,692 SH   SOLE   70,692 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,375,711 37,638 SH   SOLE   37,638 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   3,712,701 65,284 SH   SOLE   65,284 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   3,385,536 25,915 SH   SOLE   25,915 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   613,626 13,151 SH   SOLE   13,151 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   882,341 20,869 SH   SOLE   20,869 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,206,046 50,931 SH   SOLE   50,931 0 0
HONEYWELL INTL INC COM 438516106   287,803 1,387 SH   SOLE   1,387 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   249,203 1,691 SH   SOLE   1,691 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   201,249 17,700 SH   SOLE   17,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   518,371 18,219 SH   SOLE   18,219 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   865,896 5,172 SH   SOLE   5,172 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   1,982,174 38,707 SH   SOLE   38,707 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   3,681,125 12,517 SH   SOLE   12,517 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,370,373 9,936 SH   SOLE   9,936 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,448,990 4,862 SH   SOLE   4,862 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,175,301 19,403 SH   SOLE   19,403 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   302,652 1,865 SH   SOLE   1,865 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   7,275,292 53,943 SH   SOLE   53,943 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   213,549 2,188 SH   SOLE   2,188 0 0
ISHARES TR FALN ANGLS USD 46435G474   736,897 29,046 SH   SOLE   29,046 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   712,908 7,380 SH   SOLE   7,380 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,340,447 37,653 SH   SOLE   37,653 0 0
ISHARES TR CORE US AGGBD ET 464287226   355,363 3,628 SH   SOLE   3,628 0 0
ISHARES TR DOW JONES US ETF 464287846   237,243 2,190 SH   SOLE   2,190 0 0
ISHARES TR 20 YR TR BD ETF 464287432   567,611 5,514 SH   SOLE   5,514 0 0
JPMORGAN CHASE & CO COM 46625H100   202,889 1,395 SH   SOLE   1,395 0 0
META PLATFORMS INC CL A 30303M102   376,518 1,312 SH   SOLE   1,312 0 0
MICROSOFT CORP COM 594918104   1,136,041 3,336 SH   SOLE   3,336 0 0
NVIDIA CORPORATION COM 67066G104   223,355 528 SH   SOLE   528 0 0
PHILIP MORRIS INTL INC COM 718172109   206,564 2,116 SH   SOLE   2,116 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   8,293,806 138,138 SH   SOLE   138,138 0 0
PROCTER AND GAMBLE CO COM 742718109   327,303 2,157 SH   SOLE   2,157 0 0
SALESFORCE INC COM 79466L302   249,709 1,182 SH   SOLE   1,182 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,821,598 36,107 SH   SOLE   36,107 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,454,161 25,259 SH   SOLE   25,259 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,099,104 15,135 SH   SOLE   15,135 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   633,358 32,430 SH   SOLE   32,430 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   686,104 20,672 SH   SOLE   20,672 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,619,314 28,539 SH   SOLE   28,539 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   597,702 11,400 SH   SOLE   11,400 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,314,772 13,314 SH   SOLE   13,314 0 0
SPDR SER TR S&P INS ETF 78464A789   237,922 5,820 SH   SOLE   5,820 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   214,472 8,300 SH   SOLE   8,300 0 0
TESLA INC COM 88160R101   207,584 793 SH   SOLE   793 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   6,023,652 21,288 SH   SOLE   21,288 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   859,533 3,902 SH   SOLE   3,902 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   204,624 1,440 SH   SOLE   1,440 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,490,135 69,469 SH   SOLE   69,469 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,615,693 46,886 SH   SOLE   46,886 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   470,159 10,181 SH   SOLE   10,181 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   300,175 2,659 SH   SOLE   2,659 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   447,282 2,458 SH   SOLE   2,458 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   205,436 1,445 SH   SOLE   1,445 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   550,600 2,249 SH   SOLE   2,249 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   643,714 2,273 SH   SOLE   2,273 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   427,898 4,025 SH   SOLE   4,025 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   211,871 5,697 SH   SOLE   5,697 0 0
VISA INC COM CL A 92826C839   239,380 1,008 SH   SOLE   1,008 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,968,486 106,207 SH   SOLE   106,207 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   7,812,641 155,259 SH   SOLE   155,259 0 0