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
ABBOTT LABORATORIES COM Stock 002824100   412,519 4,017 SH   SOLE   0 0 4,017
ABBVIE INC COM Stock 00287Y109   287,363 1,321 SH   SOLE   0 0 1,321
ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF ETF 00162Q718   2,478,731 59,510 SH   SOLE   0 0 59,510
AMGEN INC COM Stock 031162100   633,330 1,800 SH   SOLE   0 0 1,800
APPLE INC COM Stock 037833100   3,003,139 11,833 SH   SOLE   0 0 11,833
AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703   2,413,569 28,448 SH   SOLE   0 0 28,448
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   718,140 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   694,840 1,450 SH   SOLE   0 0 1,450
BONDBLOXX BLOOMBERG TEN YEAR TARGET DURATION US TREASURY ETF ETF 09789C812   371,940 8,110 SH   SOLE   0 0 8,110
CHEVRON CORPORATION COM Stock 166764100   264,625 1,279 SH   SOLE   0 0 1,279
CISCO SYS INC COM Stock 17275R102   256,058 3,300 SH   SOLE   0 0 3,300
FIDELITY EMERGING MARKETS MULTIFACTOR ETF ETF 316092543   2,032,520 64,361 SH   SOLE   0 0 64,361
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638   930,694 17,487 SH   SOLE   0 0 17,487
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,556,820 22,320 SH   SOLE   0 0 22,320
ISHARES CORE S&P 500 ETF ETF 464287200   497,746 762 SH   SOLE   0 0 762
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   972,488 21,054 SH   SOLE   0 0 21,054
ISHARES DYNAMIC EQUITY ACTIVE ETF ETF 09290C723   4,196,100 172,608 SH   SOLE   0 0 172,608
ISHARES FLEXIBLE INCOME ACTIVE ETF ETF 092528603   456,080 8,782 SH   SOLE   0 0 8,782
ISHARES MBS ETF ETF 464288588   1,836,384 19,340 SH   SOLE   0 0 19,340
ISHARES MSCI EAFE VALUE ETF ETF 464288877   454,650 6,115 SH   SOLE   0 0 6,115
ISHARES MSCI JAPAN ETF ETF 46434G822   282,198 3,342 SH   SOLE   0 0 3,342
ISHARES MSCI SOUTH KOREA ETF ETF 464286772   1,506,626 12,248 SH   SOLE   0 0 12,248
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   358,109 1,867 SH   SOLE   0 0 1,867
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   788,840 1,850 SH   SOLE   0 0 1,850
ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF ETF 09290C103   5,194,606 89,285 SH   SOLE   0 0 89,285
LAZARD INTERNATIONAL DYNAMIC EQUITY ETF ETF 52110K400   2,335,574 73,561 SH   SOLE   0 0 73,561
MERCK & CO INC COM Stock 58933Y105   1,279,537 10,637 SH   SOLE   0 0 10,637
MICROSOFT CORP COM Stock 594918104   5,592,812 15,108 SH   SOLE   0 0 15,108
NETFLIX INC. COM Stock 64110L106   349,024 3,630 SH   SOLE   0 0 3,630
NOVARTIS AG SPONSORED ADR ADR 66987V109   763,750 5,000 SH   SOLE   0 0 5,000
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   1,982,826 60,176 SH   SOLE   0 0 60,176
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771   5,048,603 181,278 SH   SOLE   0 0 181,278
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854   7,328,779 294,210 SH   SOLE   0 0 294,210
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   765,214 30,917 SH   SOLE   0 0 30,917
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   11,621,012 453,237 SH   SOLE   0 0 453,237
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   2,246,646 77,124 SH   SOLE   0 0 77,124
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   462,445 15,162 SH   SOLE   0 0 15,162
SCHWAB U.S. MID-CAP ETF ETF 808524508   778,967 25,160 SH   SOLE   0 0 25,160
SCHWAB US AGGREGATE BOND ETF ETF 808524839   663,109 28,557 SH   SOLE   0 0 28,557
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   7,253,304 236,418 SH   SOLE   0 0 236,418
SHELL PLC SPON ADS ADR 780259305   930,000 10,000 SH   SOLE   0 0 10,000
STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF ETF 81369Y407   1,799,150 16,509 SH   SOLE   0 0 16,509
STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF ETF 81369Y704   2,407,027 14,883 SH   SOLE   0 0 14,883
STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   603,520 23,556 SH   SOLE   0 0 23,556
STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETF 78464A375   3,071,106 91,565 SH   SOLE   0 0 91,565
TORONTO DOMINION BK ONT COM NEW Stock 891160509   284,595 3,050 SH   SOLE   0 0 3,050
UNILEVER PLC SPON ADR NEW ADR 904767803   255,396 4,483 SH   SOLE   0 0 4,483
VANECK SEMICONDUCTOR ETF ETF 92189F676   1,857,956 4,846 SH   SOLE   0 0 4,846
VANGUARD GROWTH ETF ETF 922908736   483,963 1,108 SH   SOLE   0 0 1,108
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870   3,153,210 38,105 SH   SOLE   0 0 38,105
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407   1,117,451 23,256 SH   SOLE   0 0 23,256
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508   287,568 1,459 SH   SOLE   0 0 1,459
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   2,953,979 59,334 SH   SOLE   0 0 59,334
VANGUARD VALUE ETF ETF 922908744   7,281,570 37,113 SH   SOLE   0 0 37,113
WISDOMTREE JAPAN HEDGED EQUITY FUND ETF 97717W851   1,362,995 8,595 SH   SOLE   0 0 8,595