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
GNMA PL 004364M GNMA 36202EZ51   333 100,000 SH   SOLE   0 0 100,000
LESLIES INC COMMON STOCK 527064109   4,199 10,000 SH   SOLE   0 0 10,000
FHLB GOVERNMENT AGENCY 3130AYM94   8,309 25,000 SH   SOLE   0 0 25,000
UST INFL IDX INFLATION PROTECTED 912828XL9   14,866 11,000 SH   SOLE   0 0 11,000
FHLB GOVERNMENT AGENCY 3130B2RN7   24,550 25,000 SH   SOLE   0 0 25,000
FHLB GOVERNMENT AGENCY 3130B2NP6   24,570 25,000 SH   SOLE   0 0 25,000
FHLB GOVERNMENT AGENCY 3130B2BD6   24,743 25,000 SH   SOLE   0 0 25,000
FHLB GOVERNMENT AGENCY 3130B5L71   24,816 25,000 SH   SOLE   0 0 25,000
FFCB GOVERNMENT AGENCY 3133ERNX5   24,845 25,000 SH   SOLE   0 0 25,000
FHLMC GOVERNMENT AGENCY 3134HAJD6   24,927 25,000 SH   SOLE   0 0 25,000
SCHWAB MUNICIPAL MONEY INV SCHWAB NON-SWEEP MMF 808508105   27,000 27,000 SH   SOLE   0 0 27,000
MORGAN STANLEY PR CERTIFICATE DEPOSIT 61776NCY7   38,815 39,000 SH   SOLE   0 0 39,000
ORIENTAL BANK CERTIFICATE DEPOSIT 68621KCX7   39,905 40,000 SH   SOLE   0 0 40,000
UST INFL INFLATION PROTECTED 912810PS1   40,414 25,000 SH   SOLE   0 0 25,000
MONEY MARKET POOL MUTUAL FUND OTHER 808516603   41,213 34,378 SH   SOLE   0 0 34,378
FHLB GOVERNMENT AGENCY 3130B03V9   49,913 50,000 SH   SOLE   0 0 50,000
UST INFL IDX INFLATION PROTECTED 912828V49   124,375 95,000 SH   SOLE   0 0 95,000
UST INFL IDX INFLATION PROTECTED 912828N71   127,503 95,000 SH   SOLE   0 0 95,000
RBC BLUEBAY ACCESS CPTL COMMUNITY INVMA NTF BOND FUNDS 74926P779   147,670 19,228 SH   SOLE   0 0 19,228
SCHWAB GOVERNMENT MONEY INV SCHWAB NON-SWEEP MMF 808515613   172,900 172,900 SH   SOLE   0 0 172,900
VANGUARD US GROWTH ADMIRAL EQUITY FUNDS 921910600   224,997 1,121 SH   SOLE   0 0 1,121
ISHARES RUSSELL MID CAP GROWTH ETF UIT EXCHANGE TRADED 464287481   230,223 1,660 SH   SOLE   0 0 1,660
FIRST TRUST WATER ETF UIT EXCHANGE TRADED 33733B100   249,974 2,315 SH   SOLE   0 0 2,315
QUALCOMM INC COMMON STOCK 747525103   269,946 1,695 SH   SOLE   0 0 1,695
ISHARES MSCI EAFE ETF UIT EXCHANGE TRADED 464287465   335,749 3,756 SH   SOLE   0 0 3,756
UST INFL IDX INFLATION PROTECTED 912810FS2   364,193 225,000 SH   SOLE   0 0 225,000
TESLA INC COMMON STOCK 88160R101   397,075 1,250 SH   SOLE   0 0 1,250
ISHARES MORNINGSTAR MID CAP ETF UIT EXCHANGE TRADED 464288406   432,098 5,687 SH   SOLE   0 0 5,687
VANGUARD TOTAL STOCK MKT IDX ADM EQUITY FUNDS 922908728   476,414 3,219 SH   SOLE   0 0 3,219
MASCO CORP COMMON STOCK 574599106   507,929 7,892 SH   SOLE   0 0 7,892
INTUIT COMMON STOCK 461202103   543,465 690 SH   SOLE   0 0 690
CONSTELLATION BRANDS INC COMMON STOCK 21036P108   605,658 3,723 SH   SOLE   0 0 3,723
SCHWAB CA MUNICIPAL MONEY INV SCHWAB NON-SWEEP MMF 808508204   650,000 650,000 SH   SOLE   0 0 650,000
SHOPIFY INC FOREIGN CANADIAN 82509L107   670,184 5,810 SH   SOLE   0 0 5,810
DANAHER CORP COMMON STOCK 235851102   682,698 3,456 SH   SOLE   0 0 3,456
VANGUARD S&P 500 ETF UIT EXCHANGE TRADED 922908363   708,333 1,247 SH   SOLE   0 0 1,247
LVMH MOET HENNESSY LOU FSPONSORED ADR AMERICAN DEPOSITORY 502441306   731,848 6,966 SH   SOLE   0 0 6,966
CADENCE DESIGN SYS INC COMMON STOCK 127387108   766,677 2,488 SH   SOLE   0 0 2,488
ORACLE CORP COMMON STOCK 68389X105   884,358 4,045 SH   SOLE   0 0 4,045
SANOFI AMERICAN DEPOSITORY 80105N105   891,513 18,454 SH   SOLE   0 0 18,454
INVESCO QQQ TRUST UIT EXCHANGE TRADED 46090E103   894,008 1,621 SH   SOLE   0 0 1,621
SPDR PORTFOLIO S&P 500 ETF UIT EXCHANGE TRADED 78464A854   955,219 13,141 SH   SOLE   0 0 13,141
BROADCOM INC COMMON STOCK 11135F101   956,506 3,470 SH   SOLE   0 0 3,470
FISERV INC COMMON STOCK 337738108   957,220 5,552 SH   SOLE   0 0 5,552
HERSHEY CO COMMON STOCK 427866108   958,195 5,774 SH   SOLE   0 0 5,774
INFOSYS LTD AMERICAN DEPOSITORY 456788108   962,726 51,955 SH   SOLE   0 0 51,955
EVERCORE INC COMMON STOCK 29977A105   973,692 3,606 SH   SOLE   0 0 3,606
SCHNEIDER ELEC SA AMERICAN DEPOSITORY 80687P106   984,541 18,444 SH   SOLE   0 0 18,444
KIMCO RLTY CORP REIT REAL ESTATE INVESTME 49446R109   1,010,389 48,068 SH   SOLE   0 0 48,068
PROGRESSIVE CORP OH COMMON STOCK 743315103   1,022,341 3,831 SH   SOLE   0 0 3,831
SPDR S&P 500 ETF UIT EXCHANGE TRADED 78462F103   1,034,281 1,674 SH   SOLE   0 0 1,674
BYD CO LTD AMERICAN DEPOSITORY 05606L100   1,121,379 11,955 SH   SOLE   0 0 11,955
ZOETIS INC COMMON STOCK 98978V103   1,129,858 7,245 SH   SOLE   0 0 7,245
TENCENT HLDGS LTD AMERICAN DEPOSITORY 88032Q109   1,141,005 17,690 SH   SOLE   0 0 17,690
UBER TECHNOLOGIES INC COMMON STOCK 90353T100   1,143,765 12,259 SH   SOLE   0 0 12,259
WILLIAMS SONOMA INC COMMON STOCK 969904101   1,198,809 7,338 SH   SOLE   0 0 7,338
RESMED INC COMMON STOCK 761152107   1,218,792 4,724 SH   SOLE   0 0 4,724
SEMPRA COMMON STOCK 816851109   1,223,155 16,143 SH   SOLE   0 0 16,143
TAIWAN SEMICONDUCTOR M FSPONSORED ADR AMERICAN DEPOSITORY 874039100   1,233,691 5,447 SH   SOLE   0 0 5,447
ELI LILLY AND CO COMMON STOCK 532457108   1,284,665 1,648 SH   SOLE   0 0 1,648
NETFLIX INC COMMON STOCK 64110L106   1,305,652 975 SH   SOLE   0 0 975
SHERWIN-WILLIAMS CO COMMON STOCK 824348106   1,446,919 4,214 SH   SOLE   0 0 4,214
ASML HLDG N V AMERICAN DEPOSITORY N07059210   1,448,112 1,807 SH   SOLE   0 0 1,807
OTIS WORLDWIDE CORP COMMON STOCK 68902V107   1,458,466 14,729 SH   SOLE   0 0 14,729
ADVANCED MICRO DEVIC COMMON STOCK 007903107   1,467,530 10,342 SH   SOLE   0 0 10,342
NOVO-NORDISK A S AMERICAN DEPOSITORY 670100205   1,507,121 21,836 SH   SOLE   0 0 21,836
SPDR INDEX SHARES EMERG MARKT ETF UIT EXCHANGE TRADED 78463X509   1,550,308 36,273 SH   SOLE   0 0 36,273
ULTA BEAUTY INC COMMON STOCK 90384S303   1,577,489 3,372 SH   SOLE   0 0 3,372
SALESFORCE INC COMMON STOCK 79466L302   1,578,057 5,787 SH   SOLE   0 0 5,787
CROWDSTRIKE HLDGS INC COMMON STOCK 22788C105   1,588,538 3,119 SH   SOLE   0 0 3,119
BANK OF AMERICA CORP COMMON STOCK 060505104   1,622,035 34,278 SH   SOLE   0 0 34,278
RHEINMETALL AMERICAN DEPOSITORY 76206K107   1,643,486 3,890 SH   SOLE   0 0 3,890
AMETEK INC NEW COMMON STOCK 031100100   1,767,798 9,769 SH   SOLE   0 0 9,769
DEERE & CO COMMON STOCK 244199105   1,834,123 3,607 SH   SOLE   0 0 3,607
AUTOZONE INC COMMON STOCK 053332102   1,867,252 503 SH   SOLE   0 0 503
MERCADOLIBRE INC COMMON STOCK 58733R102   1,889,654 723 SH   SOLE   0 0 723
MSCI INC COMMON STOCK 55354G100   1,891,130 3,279 SH   SOLE   0 0 3,279
ABBOTT LABS COMMON STOCK 002824100   1,988,602 14,621 SH   SOLE   0 0 14,621
UBS GROUP AG FOREIGN ORDINARIES H42097107   2,182,371 64,529 SH   SOLE   0 0 64,529
NORTHROP GRUMMAN CORP COMMON STOCK 666807102   2,274,409 4,549 SH   SOLE   0 0 4,549
CHEVRON CORP NEW COMMON STOCK 166764100   2,317,817 16,187 SH   SOLE   0 0 16,187
CHENIERE ENERGY INC COMMON STOCK 16411R208   2,342,906 9,621 SH   SOLE   0 0 9,621
LOWES COS INC COMMON STOCK 548661107   3,057,147 13,779 SH   SOLE   0 0 13,779
BONDBLOXX BBB 5 10 YR COR BND ETF UIT EXCHANGE TRADED 09789C747   3,352,760 65,039 SH   SOLE   0 0 65,039
VISA INC COMMON STOCK 92826C839   3,393,410 9,558 SH   SOLE   0 0 9,558
STRYKER CORP COMMON STOCK 863667101   3,671,913 9,281 SH   SOLE   0 0 9,281
SCHWAB PRIME ADVANTAGE MONEY INVESTOR SCHWAB NON-SWEEP MMF 808515605   4,096,178 4,096,178 SH   SOLE   0 0 4,096,178
REGAN TOTAL RETURN INCOME INSTITUTIONAL EQUITY FUNDS 00777X579   4,298,105 449,123 SH   SOLE   0 0 449,123
META PLATFORMS INC COMMON STOCK 30303M102   4,605,682 6,240 SH   SOLE   0 0 6,240
JPMORGAN CHASE & CO COMMON STOCK 46625H100   4,618,266 15,930 SH   SOLE   0 0 15,930
ALPHABET INC COMMON STOCK 02079K305   4,650,710 26,390 SH   SOLE   0 0 26,390
GE AEROSPACE COMMON STOCK 369604301   4,898,904 19,033 SH   SOLE   0 0 19,033
WALMART INC COMMON STOCK 931142103   4,958,522 50,711 SH   SOLE   0 0 50,711
BOOKING HLDGS INC COMMON STOCK 09857L108   5,007,693 865 SH   SOLE   0 0 865
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   5,182,344 5,235 SH   SOLE   0 0 5,235
AMAZON COM INC COMMON STOCK 023135106   5,896,984 26,879 SH   SOLE   0 0 26,879
ISHARES 0-5 YEAR TIPS BOND ETF UIT EXCHANGE TRADED 46429B747   6,657,856 64,696 SH   SOLE   0 0 64,696
ISHARES BROAD USD UIT EXCHANGE TRADED 464288620   8,934,974 173,697 SH   SOLE   0 0 173,697
MICROSOFT CORP COMMON STOCK 594918104   9,668,007 19,437 SH   SOLE   0 0 19,437
NVIDIA CORP COMMON STOCK 67066G104   10,634,232 67,310 SH   SOLE   0 0 67,310
APPLE INC COMMON STOCK 037833100   12,937,477 63,057 SH   SOLE   0 0 63,057