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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
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
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   94,293,864 1,855,083 SH   SOLE 0 0 0 1,855,083
VANGUARD INDEX FDS GROWTH ETF 922908736   62,190,353 167,710 SH   SOLE 0 0 0 167,710
VANGUARD INDEX FDS VALUE ETF 922908744   60,986,554 353,054 SH   SOLE 0 0 0 353,054
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   33,325,492 736,312 SH   SOLE 0 0 0 736,312
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   27,229,248 557,748 SH   SOLE 0 0 0 557,748
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   26,834,670 342,804 SH   SOLE 0 0 0 342,804
VANGUARD INDEX FDS SMALL CP ETF 922908751   24,239,008 109,308 SH   SOLE 0 0 0 109,308
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,805,744 61,147 SH   SOLE 0 0 0 61,147
APPLE INC COM 037833100   14,810,356 66,674 SH   SOLE 0 0 0 66,674
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   14,521,746 292,659 SH   SOLE 0 0 0 292,659
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,514,460 176,498 SH   SOLE 0 0 0 176,498
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   12,521,760 615,320 SH   SOLE 0 0 0 615,320
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   12,005,683 616,308 SH   SOLE 0 0 0 616,308
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   11,967,539 258,422 SH   SOLE 0 0 0 258,422
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   11,936,560 609,319 SH   SOLE 0 0 0 609,319
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   11,912,014 169,157 SH   SOLE 0 0 0 169,157
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   11,505,831 556,375 SH   SOLE 0 0 0 556,375
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577   10,604,190 572,271 SH   SOLE 0 0 0 572,271
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   8,301,715 500,405 SH   SOLE 0 0 0 500,405
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   6,218,789 381,287 SH   SOLE 0 0 0 381,287
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858   4,469,346 219,408 SH   SOLE 0 0 0 219,408
VISA INC COM CL A 92826C839   4,362,221 12,447 SH   SOLE 0 0 0 12,447
MICROSOFT CORP COM 594918104   3,987,846 10,623 SH   SOLE 0 0 0 10,623
AMAZON COM INC COM 023135106   3,820,801 20,082 SH   SOLE 0 0 0 20,082
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825   3,768,062 180,376 SH   SOLE 0 0 0 180,376
INVESCO QQQ TR UNIT SER 1 46090E103   3,520,498 7,508 SH   SOLE 0 0 0 7,508
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,243,753 6,312 SH   SOLE 0 0 0 6,312
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,109,422 51,260 SH   SOLE 0 0 0 51,260
MASTERCARD INCORPORATED CL A 57636Q104   2,755,947 5,028 SH   SOLE 0 0 0 5,028
ISHARES TR CORE S&P TTL STK 464287150   2,509,202 20,566 SH   SOLE 0 0 0 20,566
ISHARES TR CORE S&P500 ETF 464287200   2,452,681 4,365 SH   SOLE 0 0 0 4,365
INVESCO EXCH TRD SLF IDX FD BULLETSHARES 203 46139W783   2,068,899 100,999 SH   SOLE 0 0 0 100,999
META PLATFORMS INC CL A 30303M102   1,994,206 3,460 SH   SOLE 0 0 0 3,460
CADENCE DESIGN SYSTEM INC COM 127387108   1,884,077 7,408 SH   SOLE 0 0 0 7,408
NVIDIA CORPORATION COM 67066G104   1,752,530 16,170 SH   SOLE 0 0 0 16,170
ISHARES TR CALIF MUN BD ETF 464288356   1,468,778 26,098 SH   SOLE 0 0 0 26,098
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,457,879 16,725 SH   SOLE 0 0 0 16,725
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,372,971 69,412 SH   SOLE 0 0 0 69,412
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,339,699 40,609 SH   SOLE 0 0 0 40,609
ISHARES TR CORE MSCI TOTAL 46432F834   1,277,054 18,293 SH   SOLE 0 0 0 18,293
ALPHABET INC CAP STK CL C 02079K107   1,254,330 8,029 SH   SOLE 0 0 0 8,029
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,232,780 57,259 SH   SOLE 0 0 0 57,259
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   1,141,819 18,879 SH   SOLE 0 0 0 18,879
ALPHABET INC CAP STK CL A 02079K305   1,136,449 7,349 SH   SOLE 0 0 0 7,349
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,042,994 38,558 SH   SOLE 0 0 0 38,558
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,014,763 16,341 SH   SOLE 0 0 0 16,341
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   1,013,671 14,535 SH   SOLE 0 0 0 14,535
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,003,540 1,794 SH   SOLE 0 0 0 1,794
JOHNSON & JOHNSON COM 478160104   971,629 5,859 SH   SOLE 0 0 0 5,859
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411   923,112 44,530 SH   SOLE 0 0 0 44,530
WORLD GOLD TR SPDR GLD MINIS 98149E303   906,503 14,647 SH   SOLE 0 0 0 14,647
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445   906,425 42,003 SH   SOLE 0 0 0 42,003
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   904,949 4,665 SH   SOLE 0 0 0 4,665
HOME DEPOT INC COM 437076102   893,869 2,439 SH   SOLE 0 0 0 2,439
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   887,647 22,552 SH   SOLE 0 0 0 22,552
EA SERIES TRUST ASTORIA US EQUAL 02072L433   862,704 29,474 SH   SOLE 0 0 0 29,474
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   847,067 11,533 SH   SOLE 0 0 0 11,533
ISHARES TR MSCI EAFE MIN VL 46429B689   841,458 10,799 SH   SOLE 0 0 0 10,799
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   836,875 11,200 SH   SOLE 0 0 0 11,200
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   834,020 1,566 SH   SOLE 0 0 0 1,566
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833   828,145 33,664 SH   SOLE 0 0 0 33,664
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   826,218 31,535 SH   SOLE 0 0 0 31,535
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   816,931 22,437 SH   SOLE 0 0 0 22,437
ISHARES TR CORE INTL AGGR 46435G672   802,839 16,060 SH   SOLE 0 0 0 16,060
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   802,595 35,294 SH   SOLE 0 0 0 35,294
BERKSHIRE HATHAWAY INC DEL CL A 084670108   798,442 1 SH   SOLE 0 0 0 1
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607   785,118 6,216 SH   SOLE 0 0 0 6,216
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   762,628 12,764 SH   SOLE 0 0 0 12,764
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   751,423 18,234 SH   SOLE 0 0 0 18,234
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   747,989 32,276 SH   SOLE 0 0 0 32,276
NETFLIX INC COM 64110L106   733,901 787 SH   SOLE 0 0 0 787
TESLA INC COM 88160R101   712,431 2,749 SH   SOLE 0 0 0 2,749
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   687,527 13,353 SH   SOLE 0 0 0 13,353
SPDR GOLD TR GOLD SHS 78463V107   671,078 2,329 SH   SOLE 0 0 0 2,329
SPDR SER TR NUVEEN BLOOMBERG 78464A284   670,827 26,599 SH   SOLE 0 0 0 26,599
SPDR SER TR PORTFOLIO SH TSR 78468R101   666,380 22,790 SH   SOLE 0 0 0 22,790
JPMORGAN CHASE & CO. COM 46625H100   623,062 2,540 SH   SOLE 0 0 0 2,540
SPDR SER TR PORTFLI INTRMDIT 78464A672   576,316 20,165 SH   SOLE 0 0 0 20,165
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   551,060 6,740 SH   SOLE 0 0 0 6,740
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   531,928 22,587 SH   SOLE 0 0 0 22,587
VANGUARD INDEX FDS MID CAP ETF 922908629   524,094 2,027 SH   SOLE 0 0 0 2,027
ELI LILLY & CO COM 532457108   508,761 616 SH   SOLE 0 0 0 616
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   505,659 21,417 SH   SOLE 0 0 0 21,417
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   502,334 3,895 SH   SOLE 0 0 0 3,895
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   491,655 5,430 SH   SOLE 0 0 0 5,430
AGF INVTS TR US MARKET NETRL 00110G408   487,281 23,382 SH   SOLE 0 0 0 23,382
WISDOMTREE TR US QTLY DIV GRT 97717X669   481,716 6,032 SH   SOLE 0 0 0 6,032
ISHARES TR CORE S&P SCP ETF 464287804   478,707 4,578 SH   SOLE 0 0 0 4,578
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   472,123 15,444 SH   SOLE 0 0 0 15,444
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   443,123 1,828 SH   SOLE 0 0 0 1,828
ISHARES INC CORE MSCI EMKT 46434G103   438,571 8,126 SH   SOLE 0 0 0 8,126
ANALOG DEVICES INC COM 032654105   436,414 2,164 SH   SOLE 0 0 0 2,164
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   433,709 16,752 SH   SOLE 0 0 0 16,752
ISHARES TR CORE MSCI EAFE 46432F842   431,129 5,699 SH   SOLE 0 0 0 5,699
SPDR SER TR PORTFOLIO LN TSR 78464A664   419,450 15,387 SH   SOLE 0 0 0 15,387
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628   405,755 6,464 SH   SOLE 0 0 0 6,464
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   399,820 4,003 SH   SOLE 0 0 0 4,003
ISHARES TR MSCI USA QLT FCT 46432F339   398,686 2,333 SH   SOLE 0 0 0 2,333
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   394,419 9,088 SH   SOLE 0 0 0 9,088
ISHARES TR RUS 1000 ETF 464287622   391,707 1,277 SH   SOLE 0 0 0 1,277
ISHARES TR NATIONAL MUN ETF 464288414   380,047 3,604 SH   SOLE 0 0 0 3,604
COSTCO WHSL CORP NEW COM 22160K105   373,583 395 SH   SOLE 0 0 0 395
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   368,138 13,257 SH   SOLE 0 0 0 13,257
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   366,454 14,635 SH   SOLE 0 0 0 14,635
ABBVIE INC COM 00287Y109   364,333 1,739 SH   SOLE 0 0 0 1,739
BROADCOM INC COM 11135F101   356,804 2,131 SH   SOLE 0 0 0 2,131
MCDONALDS CORP COM 580135101   349,431 1,119 SH   SOLE 0 0 0 1,119
PROCTER AND GAMBLE CO COM 742718109   345,540 2,028 SH   SOLE 0 0 0 2,028
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   344,341 2,970 SH   SOLE 0 0 0 2,970
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   325,251 9,814 SH   SOLE 0 0 0 9,814
ISHARES TR RUS 1000 GRW ETF 464287614   323,254 895 SH   SOLE 0 0 0 895
CISCO SYS INC COM 17275R102   322,496 5,226 SH   SOLE 0 0 0 5,226
ISHARES TR MBS ETF 464288588   321,759 3,431 SH   SOLE 0 0 0 3,431
WALMART INC COM 931142103   305,479 3,480 SH   SOLE 0 0 0 3,480
CHEVRON CORP NEW COM 166764100   303,251 1,813 SH   SOLE 0 0 0 1,813
VANGUARD WORLD FD ESG US STK ETF 921910733   302,639 3,090 SH   SOLE 0 0 0 3,090
ABBOTT LABS COM 002824100   301,195 2,271 SH   SOLE 0 0 0 2,271
VANGUARD WORLD FD CONSUM STP ETF 92204A207   293,875 1,343 SH   SOLE 0 0 0 1,343
VANGUARD WORLD FD ESG INTL STK ETF 921910725   290,535 4,926 SH   SOLE 0 0 0 4,926
UNITEDHEALTH GROUP INC COM 91324P102   285,389 545 SH   SOLE 0 0 0 545
PIMCO ETF TR INTER MUN BD ACT 72201R866   281,978 5,470 SH   SOLE 0 0 0 5,470
EXXON MOBIL CORP COM 30231G102   279,010 2,346 SH   SOLE 0 0 0 2,346
SYNOPSYS INC COM 871607107   278,324 649 SH   SOLE 0 0 0 649
ISHARES TR SHORT TREAS BD 464288679   278,222 2,519 SH   SOLE 0 0 0 2,519
ISHARES TR CONV BD ETF 46435G102   272,903 3,264 SH   SOLE 0 0 0 3,264
SPDR SER TR PORTFOLIO INTRMD 78464A375   264,125 7,946 SH   SOLE 0 0 0 7,946
ORACLE CORP COM 68389X105   260,047 1,860 SH   SOLE 0 0 0 1,860
INVESTMENT MANAGERS SER TR I ASTORIA REAL 46141T117   254,792 17,584 SH   SOLE 0 0 0 17,584
ISHARES TR S&P 500 VAL ETF 464287408   254,234 1,334 SH   SOLE 0 0 0 1,334
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   249,261 2,699 SH   SOLE 0 0 0 2,699
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   249,180 1,552 SH   SOLE 0 0 0 1,552
ISHARES TR EXPANDED TECH 464287515   248,727 2,795 SH   SOLE 0 0 0 2,795
BANK AMERICA CORP COM 060505104   246,916 5,917 SH   SOLE 0 0 0 5,917
FISERV INC COM 337738108   238,496 1,080 SH   SOLE 0 0 0 1,080
GAP INC COM 364760108   236,994 11,499 SH   SOLE 0 0 0 11,499
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   234,819 4,001 SH   SOLE 0 0 0 4,001
ON SEMICONDUCTOR CORP COM 682189105   234,090 5,753 SH   SOLE 0 0 0 5,753
WILLIAMS SONOMA INC COM 969904101   228,296 1,444 SH   SOLE 0 0 0 1,444
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   227,319 2,741 SH   SOLE 0 0 0 2,741
ISHARES TR MSCI EMG MKT ETF 464287234   226,116 5,174 SH   SOLE 0 0 0 5,174
ISHARES TR RUSSELL 2000 ETF 464287655   223,030 1,118 SH   SOLE 0 0 0 1,118
VANGUARD INDEX FDS SM CP VAL ETF 922908611   221,927 1,191 SH   SOLE 0 0 0 1,191
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   218,249 1,057 SH   SOLE 0 0 0 1,057
SPDR SER TR PORTFOLIO S&P500 78464A854   218,060 3,316 SH   SOLE 0 0 0 3,316
SPDR SER TR PRTFLO S&P500 GW 78464A409   213,263 2,654 SH   SOLE 0 0 0 2,654
STRYKER CORPORATION COM 863667101   211,066 567 SH   SOLE 0 0 0 567
AMERICAN CENTY ETF TR US EQT ETF 025072885   209,980 2,273 SH   SOLE 0 0 0 2,273
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   209,047 7,865 SH   SOLE 0 0 0 7,865
ISHARES TR CORE TOTAL USD 46434V613   208,282 4,520 SH   SOLE 0 0 0 4,520
ISHARES TR RUS 2000 VAL ETF 464287630   207,038 1,371 SH   SOLE 0 0 0 1,371
ISHARES TR MSCI USA MIN VOL 46429B697   204,834 2,187 SH   SOLE 0 0 0 2,187
SALESFORCE INC COM 79466L302   204,410 762 SH   SOLE 0 0 0 762
QUALCOMM INC COM 747525103   204,148 1,329 SH   SOLE 0 0 0 1,329
ISHARES TR S&P MC 400VL ETF 464287705   201,689 1,685 SH   SOLE 0 0 0 1,685
WEC ENERGY GROUP INC COM 92939U106   201,286 1,847 SH   SOLE 0 0 0 1,847
NUVEEN QUALITY MUNCP INCOME COM 67066V101   178,560 15,500 SH   SOLE 0 0 0 15,500
DNP SELECT INCOME FD INC COM 23325P104   117,721 11,903 SH   SOLE 0 0 0 11,903