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
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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
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   2,479,847 110,461 SH   SOLE   110,461 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   2,125,218 42,847 SH   SOLE   42,847 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   2,812,971 16,461 SH   SOLE   16,461 0 0
ISHARES TR US TREAS BD ETF 46429B267   4,485,519 195,150 SH   SOLE   195,150 0 0
SIMPLIFY EXCHANGE TRADED FUN HEDGED EQUITY 82889N764   2,153,876 75,376 SH   SOLE   75,376 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,431,494 15,380 SH   SOLE   15,380 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   4,593,555 69,853 SH   SOLE   69,853 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,857,843 25,212 SH   SOLE   25,212 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   692,714 7,568 SH   SOLE   7,568 0 0
ISHARES TR CORE US AGGBD ET 464287226   235,953 2,385 SH   SOLE   2,385 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   490,874 1,359 SH   SOLE   1,359 0 0
ISHARES TR NATIONAL MUN ETF 464288414   421,076 3,994 SH   SOLE   3,994 0 0
ISHARES TR RUS MD CP GR ETF 464287481   497,399 4,234 SH   SOLE   4,234 0 0
ISHARES TR MSCI INTL VLU FT 46435G409   643,303 21,224 SH   SOLE   21,224 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   580,163 7,899 SH   SOLE   7,899 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   279,652 5,476 SH   SOLE   5,476 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   666,543 2,425 SH   SOLE   2,425 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   418,298 2,223 SH   SOLE   2,223 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   518,721 6,146 SH   SOLE   6,146 0 0
MICROSTRATEGY INC CL A NEW 594972408   341,457 1,185 SH   SOLE   1,185 0 0
SSGA ACTIVE TR SPDR NUVEEN MUN 78470P705   1,319,553 48,362 SH   SOLE   48,362 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   516,194 7,590 SH   SOLE   7,590 0 0
ISHARES TR CORE MSCI EAFE 46432F842   587,408 7,765 SH   SOLE   7,765 0 0
FIRST TR MORNINGSTAR DIVID L SHS 336917109   228,798 5,267 SH   SOLE   5,267 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   387,016 5,544 SH   SOLE   5,544 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   308,527 2,922 SH   SOLE   2,922 0 0
EXXON MOBIL CORP COM 30231G102   252,220 2,121 SH   SOLE   2,121 0 0
NVIDIA CORPORATION COM 67066G104   468,066 4,319 SH   SOLE   4,319 0 0
AMAZON COM INC COM 023135106   258,088 1,357 SH   SOLE   1,357 0 0
APPLE INC COM 037833100   354,645 1,597 SH   SOLE   1,597 0 0
META PLATFORMS INC CL A 30303M102   347,200 602 SH   SOLE   602 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   566,133 1,063 SH   SOLE   1,063 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   581,767 1,650 SH   SOLE   1,650 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   512,010 1,092 SH   SOLE   1,092 0 0
HOME DEPOT INC COM 437076102   270,841 739 SH   SOLE   739 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   577,755 10,029 SH   SOLE   10,029 0 0
TESLA INC COM 88160R101   258,985 999 SH   SOLE   999 0 0
VISA INC COM CL A 92826C839   303,588 866 SH   SOLE   866 0 0
3M CO COM 88579Y101   334,910 2,280 SH   SOLE   2,280 0 0
ALPHABET INC CAP STK CL C 02079K107   228,997 1,466 SH   SOLE   1,466 0 0
BROADCOM INC COM 11135F101   445,065 2,658 SH   SOLE   2,658 0 0
ELI LILLY & CO COM 532457108   371,700 450 SH   SOLE   450 0 0
ISHARES TR CALIF MUN BD ETF 464288356   302,098 5,368 SH   SOLE   5,368 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   275,758 1,382 SH   SOLE   1,382 0 0
ISHARES TR RUS MID CAP ETF 464287499   296,364 3,484 SH   SOLE   3,484 0 0
JPMORGAN CHASE & CO. COM 46625H100   359,253 1,465 SH   SOLE   1,465 0 0
MASTERCARD INCORPORATED CL A 57636Q104   202,012 369 SH   SOLE   369 0 0
TYLER TECHNOLOGIES INC COM 902252105   213,370 367 SH   SOLE   367 0 0