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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
EATON CORP PLC SHS G29183103 232 1,842 SH   SOLE   0 0 1,842
MEDTRONIC PLC SHS G5960L103 564 6,285 SH   SOLE   0 0 6,285
PROPERTYGURU GROUP LTD ORD SHS G7258M108 45 10,000 SH   SOLE   0 0 10,000
AT&T INC COM 00206R102 1,206 57,561 SH   SOLE   0 0 57,561
ABBOTT LABS COM 002824100 569 5,240 SH   SOLE   0 0 5,240
ABBVIE INC COM 00287Y109 1,498 9,779 SH   SOLE   0 0 9,779
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106 377 4,539 SH   SOLE   0 0 4,539
ADOBE SYSTEMS INCORPORATED COM 00724F101 241 658 SH   SOLE   0 0 658
AFFIRM HLDGS INC COM CL A 00827B106 25,004 1,384,478 SH   SOLE   0 0 1,384,478
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,420 21,285 SH   SOLE   0 0 21,285
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106 1,459 126,114 SH   SOLE   0 0 126,114
ALPHABET INC CAP STK CL C 02079K107 575 263 SH   SOLE   0 0 263
ALPHABET INC CAP STK CL A 02079K305 2,304 1,057 SH   SOLE   0 0 1,057
ALTRIA GROUP INC COM 02209S103 239 5,715 SH   SOLE   0 0 5,715
AMAZON COM INC COM 023135106 12,717 119,738 SH   SOLE   0 0 119,738
AMGEN INC COM 031162100 333 1,369 SH   SOLE   0 0 1,369
APPLE INC COM 037833100 14,499 106,050 SH   SOLE   0 0 106,050
AVIS BUDGET GROUP COM 053774105 206 1,398 SH   SOLE   0 0 1,398
BNY MELLON STRATEGIC MUNS IN COM 05588W108 1,866 283,651 SH   SOLE   0 0 283,651
BAXTER INTL INC COM 071813109 246 3,826 SH   SOLE   0 0 3,826
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 209 767 SH   SOLE   0 0 767
BLACKROCK MUNICIPAL INCOME COM 09253X102 1,879 157,750 SH   SOLE   0 0 157,750
BLACKROCK MUNIYIELD QUALITY COM 09254E103 1,931 165,585 SH   SOLE   0 0 165,585
BRISTOL-MYERS SQUIBB CO COM 110122108 710 9,220 SH   SOLE   0 0 9,220
BROADCOM INC COM 11135F101 379 780 SH   SOLE   0 0 780
CVS HEALTH CORP COM 126650100 489 5,273 SH   SOLE   0 0 5,273
CARDINAL HEALTH INC COM 14149Y108 222 4,253 SH   SOLE   0 0 4,253
CATERPILLAR INC COM 149123101 322 1,801 SH   SOLE   0 0 1,801
CHEVRON CORP NEW COM 166764100 1,051 7,261 SH   SOLE   0 0 7,261
CISCO SYS INC COM 17275R102 550 12,908 SH   SOLE   0 0 12,908
CLOROX CO DEL COM 189054109 238 1,689 SH   SOLE   0 0 1,689
COCA COLA CO COM 191216100 495 7,874 SH   SOLE   0 0 7,874
COLGATE PALMOLIVE CO COM 194162103 423 5,274 SH   SOLE   0 0 5,274
COMCAST CORP NEW CL A 20030N101 505 12,871 SH   SOLE   0 0 12,871
COMSTOCK INC COM NEW 205750300 9 15,000 SH   SOLE   0 0 15,000
CONAGRA BRANDS INC COM 205887102 212 6,202 SH   SOLE   0 0 6,202
CONOCOPHILLIPS COM 20825C104 488 5,439 SH   SOLE   0 0 5,439
COSTCO WHSL CORP NEW COM 22160K105 1,435 2,993 SH   SOLE   0 0 2,993
CROWN CASTLE INTL CORP NEW COM 22822V101 258 1,532 SH   SOLE   0 0 1,532
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 595 14,607 SH   SOLE   0 0 14,607
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 466 14,755 SH   SOLE   0 0 14,755
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,206 145,579 SH   SOLE   0 0 145,579
DUKE ENERGY CORP NEW COM NEW 26441C204 433 4,042 SH   SOLE   0 0 4,042
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108 1,850 169,088 SH   SOLE   0 0 169,088
EATON VANCE TAX-MANAGED GLOB COM 27829F108 685 88,886 SH   SOLE   0 0 88,886
EMERSON ELEC CO COM 291011104 3,651 45,903 SH   SOLE   0 0 45,903
ENVELA CORP COM 29402E102 594 83,335 SH   SOLE   0 0 83,335
EXXON MOBIL CORP COM 30231G102 1,780 20,787 SH   SOLE   0 0 20,787
META PLATFORMS INC CL A 30303M102 312 1,938 SH   SOLE   0 0 1,938
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 595 9,800 SH   SOLE   0 0 9,800
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500 287 5,507 SH   SOLE   0 0 5,507
5E ADVANCED MATERIALS INC COMMON STOCK 33830Q109 518 42,500 SH   SOLE   0 0 42,500
FLUX PWR HLDGS INC COM NEW 344057302 26 11,000 SH   SOLE   0 0 11,000
FORD MTR CO DEL COM 345370860 178 15,957 SH   SOLE   0 0 15,957
GENERAL MLS INC COM 370334104 627 8,316 SH   SOLE   0 0 8,316
GILEAD SCIENCES INC COM 375558103 554 8,958 SH   SOLE   0 0 8,958
GSK PLC SPONSORED ADR 37733W105 212 4,873 SH   SOLE   0 0 4,873
GOLDMAN SACHS GROUP INC COM 38141G104 319 1,074 SH   SOLE   0 0 1,074
GUARANTY BANCSHARES INC TEX COM 400764106 279 7,700 SH   SOLE   0 0 7,700
HOME DEPOT INC COM 437076102 1,425 5,194 SH   SOLE   0 0 5,194
HONEYWELL INTL INC COM 438516106 764 4,393 SH   SOLE   0 0 4,393
HYZON MOTORS INC COM CL A 44951Y102 33 11,300 SH   SOLE   0 0 11,300
INTEL CORP COM 458140100 594 15,873 SH   SOLE   0 0 15,873
INTERNATIONAL BUSINESS MACHS COM 459200101 435 3,084 SH   SOLE   0 0 3,084
INTERNATIONAL PAPER CO COM 460146103 436 10,422 SH   SOLE   0 0 10,422
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 440 9,139 SH   SOLE   0 0 9,139
INVESCO QQQ TR UNIT SER 1 46090E103 3,907 13,940 SH   SOLE   0 0 13,940
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,915 106,180 SH   SOLE   0 0 106,180
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 1,675 5,845 SH   SOLE   0 0 5,845
INVESCO DB MULTI-SECTOR COMM BASE METALS FD 46140H700 563 28,984 SH   SOLE   0 0 28,984
ISHARES SILVER TR ISHARES 46428Q109 684 36,680 SH   SOLE   0 0 36,680
ISHARES GOLD TR ISHARES NEW 464285204 1,095 31,912 SH   SOLE   0 0 31,912
ISHARES INC JP MRG EM CRP BD 464286251 3,229 75,391 SH   SOLE   0 0 75,391
ISHARES INC ASIA/PAC DIV ETF 464286293 447 13,495 SH   SOLE   0 0 13,495
ISHARES INC JP MORGAN EM ETF 464286517 1,918 56,122 SH   SOLE   0 0 56,122
ISHARES TR TIPS BD ETF 464287176 1,449 12,720 SH   SOLE   0 0 12,720
ISHARES TR CORE S&P500 ETF 464287200 272 717 SH   SOLE   0 0 717
ISHARES TR IBOXX INV CP ETF 464287242 7,577 68,862 SH   SOLE   0 0 68,862
ISHARES TR GLOBAL FINLS ETF 464287333 3,148 47,887 SH   SOLE   0 0 47,887
ISHARES TR S&P 500 VAL ETF 464287408 2,827 20,569 SH   SOLE   0 0 20,569
ISHARES TR 7-10 YR TRSY BD 464287440 9,390 91,792 SH   SOLE   0 0 91,792
ISHARES TR SHRT NAT MUN ETF 464288158 254 2,430 SH   SOLE   0 0 2,430
ISHARES TR GL CLEAN ENE ETF 464288224 3,381 177,486 SH   SOLE   0 0 177,486
ISHARES TR MRGSTR MD CP GRW 464288307 2,381 45,849 SH   SOLE   0 0 45,849
ISHARES TR IBOXX HI YD ETF 464288513 392 5,331 SH   SOLE   0 0 5,331
ISHARES TR SHORT TREAS BD 464288679 269 2,444 SH   SOLE   0 0 2,444
ISHARES TR MSCI USA ESG SLC 464288802 453 5,608 SH   SOLE   0 0 5,608
ISHARES TR US HLTHCR PR ETF 464288828 256 1,003 SH   SOLE   0 0 1,003
ISHARES TR RUS TP200 GR ETF 464289438 7,181 57,337 SH   SOLE   0 0 57,337
ISHARES U S ETF TR INT RT HDG C B 46431W705 7,528 83,401 SH   SOLE   0 0 83,401
ISHARES TR MSCI USA QLT FCT 46432F339 4,107 36,762 SH   SOLE   0 0 36,762
ISHARES TR MSCI USA VALUE 46432F388 4,087 45,151 SH   SOLE   0 0 45,151
ISHARES TR IBONDS DEC22 ETF 46434VBA7 1,501 59,998 SH   SOLE   0 0 59,998
ISHARES TR 0-5YR INVT GR CP 46434V100 545 11,242 SH   SOLE   0 0 11,242
ISHARES TR MSCI INTL QUALTY 46434V456 10,557 341,331 SH   SOLE   0 0 341,331
ISHARES TR CORE DIV GRWTH 46434V621 13,987 293,593 SH   SOLE   0 0 293,593
ISHARES TR GLOBAL REIT ETF 46434V647 604 24,969 SH   SOLE   0 0 24,969
ISHARES TR HDG MSCI JAPAN 46434V886 293 7,839 SH   SOLE   0 0 7,839
ISHARES TR MSCI INTL VLU FT 46435G409 3,925 176,953 SH   SOLE   0 0 176,953
ISHARES TR CORE INTL AGGR 46435G672 4,921 98,799 SH   SOLE   0 0 98,799
JPMORGAN CHASE & CO COM 46625H100 424 3,767 SH   SOLE   0 0 3,767
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 288 6,541 SH   SOLE   0 0 6,541
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 5,570 115,955 SH   SOLE   0 0 115,955
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 5,050 100,814 SH   SOLE   0 0 100,814
JOHNSON & JOHNSON COM 478160104 701 3,949 SH   SOLE   0 0 3,949
KIMBERLY-CLARK CORP COM 494368103 470 3,481 SH   SOLE   0 0 3,481
LILLY ELI & CO COM 532457108 602 1,857 SH   SOLE   0 0 1,857
LOCKHEED MARTIN CORP COM 539830109 642 1,493 SH   SOLE   0 0 1,493
LOWES COS INC COM 548661107 399 2,282 SH   SOLE   0 0 2,282
LUMINAR TECHNOLOGIES INC COM CL A 550424105 211 35,630 SH   SOLE   0 0 35,630
MASTERCARD INCORPORATED CL A 57636Q104 766 2,428 SH   SOLE   0 0 2,428
MCDONALDS CORP COM 580135101 209 848 SH   SOLE   0 0 848
MERCK & CO INC COM 58933Y105 891 9,772 SH   SOLE   0 0 9,772
MICROSOFT CORP COM 594918104 5,098 19,849 SH   SOLE   0 0 19,849
MONDELEZ INTL INC CL A 609207105 452 7,281 SH   SOLE   0 0 7,281
NEWMONT CORP COM 651639106 267 4,470 SH   SOLE   0 0 4,470
NIKE INC CL B 654106103 268 2,626 SH   SOLE   0 0 2,626
NKARTA INC COM 65487U108 238 19,348 SH   SOLE   0 0 19,348
NOVARTIS AG SPONSORED ADR 66987V109 571 6,752 SH   SOLE   0 0 6,752
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101 433 34,991 SH   SOLE   0 0 34,991
NVIDIA CORPORATION COM 67066G104 479 3,160 SH   SOLE   0 0 3,160
NUVEEN DOW 30 DYNMC OVERWRT SHS 67075F105 351 23,000 SH   SOLE   0 0 23,000
OMNICOM GROUP INC COM 681919106 435 6,840 SH   SOLE   0 0 6,840
PALO ALTO NETWORKS INC COM 697435105 282 570 SH   SOLE   0 0 570
PEPSICO INC COM 713448108 489 2,937 SH   SOLE   0 0 2,937
PFIZER INC COM 717081103 934 17,819 SH   SOLE   0 0 17,819
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 2,655 29,990 SH   SOLE   0 0 29,990
PROCTER AND GAMBLE CO COM 742718109 1,146 7,973 SH   SOLE   0 0 7,973
PROSHARES TR S&P MDCP 400 DIV 74347B680 831 12,324 SH   SOLE   0 0 12,324
RAYTHEON TECHNOLOGIES CORP COM 75513E101 268 2,792 SH   SOLE   0 0 2,792
ROSS STORES INC COM 778296103 266 3,793 SH   SOLE   0 0 3,793
SPDR S&P 500 ETF TR TR UNIT 78462F103 589 1,562 SH   SOLE   0 0 1,562
SPDR GOLD TR GOLD SHS 78463V107 521 3,092 SH   SOLE   0 0 3,092
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 228 2,213 SH   SOLE   0 0 2,213
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 7,009 168,333 SH   SOLE   0 0 168,333
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,105 3,590 SH   SOLE   0 0 3,590
SALESFORCE INC COM 79466L302 464 2,813 SH   SOLE   0 0 2,813
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,860 64,711 SH   SOLE   0 0 64,711
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 310 6,935 SH   SOLE   0 0 6,935
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,260 56,221 SH   SOLE   0 0 56,221
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 749 12,000 SH   SOLE   0 0 12,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,720 135,694 SH   SOLE   0 0 135,694
SELECT SECTOR SPDR TR ENERGY 81369Y506 259 3,628 SH   SOLE   0 0 3,628
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 419 3,298 SH   SOLE   0 0 3,298
SENSEI BIOTHERAPEUTICS INC COM 81728A108 34 14,845 SH   SOLE   0 0 14,845
17 ED & TECHNOLOGY GROUP INC ADS 81807M205 48 24,545 SH   SOLE   0 0 24,545
SILVERGATE CAP CORP CL A 82837P408 728 13,600 SH   SOLE   0 0 13,600
SOUTHERN CO COM 842587107 399 5,600 SH   SOLE   0 0 5,600
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 252 17,944 SH   SOLE   0 0 17,944
TEXAS INSTRS INC COM 882508104 340 2,213 SH   SOLE   0 0 2,213
3M CO COM 88579Y101 488 3,774 SH   SOLE   0 0 3,774
VIQ SOLUTIONS INC COM NEW 91825V400 137 100,244 SH   SOLE   0 0 100,244
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,484 38,225 SH   SOLE   0 0 38,225
VANGUARD WORLD FD ESG INTL STK ETF 921910725 28,236 575,773 SH   SOLE   0 0 575,773
VANGUARD WORLD FD ESG US STK ETF 921910733 42,465 639,541 SH   SOLE   0 0 639,541
VANGUARD WORLD FD MEGA CAP INDEX 921910873 2,237 16,969 SH   SOLE   0 0 16,969
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 219 2,836 SH   SOLE   0 0 2,836
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 876 16,580 SH   SOLE   0 0 16,580
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 520 6,820 SH   SOLE   0 0 6,820
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 473 1,365 SH   SOLE   0 0 1,365
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,358 33,645 SH   SOLE   0 0 33,645
VANGUARD INDEX FDS MID CAP ETF 922908629 407 2,068 SH   SOLE   0 0 2,068
VANGUARD INDEX FDS GROWTH ETF 922908736 2,448 10,982 SH   SOLE   0 0 10,982
VANGUARD INDEX FDS VALUE ETF 922908744 864 6,553 SH   SOLE   0 0 6,553
VANGUARD INDEX FDS TOTAL STK MKT 922908769 294 1,560 SH   SOLE   0 0 1,560
VERIZON COMMUNICATIONS INC COM 92343V104 1,249 24,609 SH   SOLE   0 0 24,609
VISA INC COM CL A 92826C839 731 3,714 SH   SOLE   0 0 3,714
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 262 16,846 SH   SOLE   0 0 16,846
WP CAREY INC COM 92936U109 245 2,956 SH   SOLE   0 0 2,956
WALMART INC COM 931142103 1,062 8,735 SH   SOLE   0 0 8,735
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,046 26,842 SH   SOLE   0 0 26,842
WISDOMTREE TR CHINADIV EX FI 97717X719 3,866 90,650 SH   SOLE   0 0 90,650
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 996 19,785 SH   SOLE   0 0 19,785
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 3,963 168,924 SH   SOLE   0 0 168,924