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 002824100   364,586 4,018 SH   SOLE   0 0 4,018
ABBVIE INC COM 00287Y109   332,484 1,321 SH   SOLE   0 0 1,321
ALPHABET INC CAP STK CL A 02079K305   221,569 620 SH   SOLE   0 0 620
ALPS ETF TR INTL SEC DV DOG 00162Q718   2,453,167 59,572 SH   SOLE   0 0 59,572
AMAZON COM INC COM 023135106   212,123 890 SH   SOLE   0 0 890
AMGEN INC COM 031162100   651,816 1,800 SH   SOLE   0 0 1,800
APPLE INC COM 037833100   3,424,064 11,833 SH   SOLE   0 0 11,833
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,539,100 28,465 SH   SOLE   0 0 28,465
BERKSHIRE HATHAWAY INC DEL CL A 084670108   748,850 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   731,070 961 SH   SOLE   0 0 961
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812   369,670 8,110 SH   SOLE   0 0 8,110
CHEVRON CORPORATION COM 166764100   212,007 1,279 SH   SOLE   0 0 1,279
CISCO SYS INC COM 17275R102   387,635 3,300 SH   SOLE   0 0 3,300
DONALDSON INC COM 257651109   206,291 2,298 SH   SOLE   0 0 2,298
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543   2,338,235 64,361 SH   SOLE   0 0 64,361
ISHARES TR ISHS 5-10YR INVT 464288638   923,165 17,363 SH   SOLE   0 0 17,363
ISHARES INC CORE MSCI EMKT 46434G103   1,848,989 22,320 SH   SOLE   0 0 22,320
ISHARES TR CORE S&P500 ETF 464287200   561,668 750 SH   SOLE   0 0 750
ISHARES TR CORE UNIVRSL USD 46434V613   971,647 21,054 SH   SOLE   0 0 21,054
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723   4,788,146 172,608 SH   SOLE   0 0 172,608
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603   459,682 8,783 SH   SOLE   0 0 8,783
ISHARES TR MBS ETF 464288588   1,828,351 19,344 SH   SOLE   0 0 19,344
ISHARES TR EAFE VALUE ETF 464288877   468,103 6,115 SH   SOLE   0 0 6,115
ISHARES INC MSCI JAPAN ETF 46434G822   311,708 3,342 SH   SOLE   0 0 3,342
ISHARES INC MSCI STH KOR ETF 464286772   2,488,418 12,325 SH   SOLE   0 0 12,325
ISHARES TR MSCI USA QLT FCT 46432F339   409,676 1,867 SH   SOLE   0 0 1,867
ISHARES TR RUS 1000 GRW ETF 464287614   918,858 7,400 SH   SOLE   0 0 7,400
ISHARES TR RUSSELL 2000 ETF 464287655   210,315 700 SH   SOLE   0 0 700
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   6,072,782 89,292 SH   SOLE   0 0 89,292
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400   2,580,723 73,588 SH   SOLE   0 0 73,588
MERCK & CO INC COM 58933Y105   1,366,868 10,637 SH   SOLE   0 0 10,637
MICROSOFT CORP COM 594918104   5,580,878 14,541 SH   SOLE   0 0 14,541
NETFLIX INC. COM 64110L106   309,162 4,330 SH   SOLE   0 0 4,330
NOVARTIS AG SPONSORED ADR 66987V109   783,600 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,179,451 60,106 SH   SOLE   0 0 60,106
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   8,998,934 289,355 SH   SOLE   0 0 289,355
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,236,572 293,454 SH   SOLE   0 0 293,454
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   858,755 31,002 SH   SOLE   0 0 31,002
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,853,007 368,774 SH   SOLE   0 0 368,774
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,608,857 77,094 SH   SOLE   0 0 77,094
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   527,794 15,162 SH   SOLE   0 0 15,162
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   927,256 25,149 SH   SOLE   0 0 25,149
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   660,539 28,558 SH   SOLE   0 0 28,558
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,496,815 236,418 SH   SOLE   0 0 236,418
SHELL PLC SPON ADS 780259305   775,400 10,000 SH   SOLE   0 0 10,000
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407   1,738,090 14,820 SH   SOLE   0 0 14,820
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704   1,876,750 10,132 SH   SOLE   0 0 10,132
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649   591,644 23,184 SH   SOLE   0 0 23,184
SPDR SERIES TRUST ST INTER BD ETF 78464A375   3,042,771 90,938 SH   SOLE   0 0 90,938
TORONTO DOMINION BK ONT COM NEW 891160509   370,362 3,050 SH   SOLE   0 0 3,050
UNILEVER PLC SPON ADR NEW 904767803   269,518 4,483 SH   SOLE   0 0 4,483
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   3,158,766 4,816 SH   SOLE   0 0 4,816
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,149,400 38,105 SH   SOLE   0 0 38,105
VANGUARD INDEX FDS GROWTH ETF 922908736   572,659 6,648 SH   SOLE   0 0 6,648
VANGUARD INDEX FDS VALUE ETF 922908744   8,082,588 37,088 SH   SOLE   0 0 37,088
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,126,288 23,256 SH   SOLE   0 0 23,256
VANGUARD WELLINGTON FD US MOMENTUM 921935508   364,035 1,459 SH   SOLE   0 0 1,459
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,953,683 59,335 SH   SOLE   0 0 59,335
WISDOMTREE TR JAPN HEDGE EQT 97717W851   1,503,898 8,667 SH   SOLE   0 0 8,667