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
A T & T Corp COM 00206R102   5,924 310 SH   SOLE   0 0 310
Abbott Laboratories COM 002824100   1,351 13 SH   SOLE   0 0 13
Accenture Ltd Cl A SHS CLASS A G1151C101   2,731 9 SH   SOLE   0 0 9
Adient Plc Ord Shs ORD SHS G0084W101   346 14 SH   SOLE   0 0 14
Adobe Systems Inc COM 00724F101   3,333 6 SH   SOLE   0 0 6
Advanced Micro Devices COM 007903107   92,622 571 SH   SOLE   0 0 571
AerCap Holdings NV SHS N00985106   4,660 50 SH   SOLE   0 0 50
ALPS O Shares US Sm-Cp Qul Div ETF US 00162Q395   154,613 3,750 SH   SOLE   0 0 3,750
Amazon.com Inc COM 023135106   151,315 783 SH   SOLE   0 0 783
American Water Works Co Inc COM 030420103   9,300 72 SH   SOLE   0 0 72
Apple Computer Inc COM 037833100   360,893 1,713 SH   SOLE   0 0 1,713
Aqua Metals Inc COM 03837J101   774 2,418 SH   SOLE   0 0 2,418
ARK 21Shares Bitcoin ETF SHS BEN INT 040919102   151,689 2,529 SH   SOLE   0 0 2,529
ARK Genomic Revolution ETF GENOMIC REV ETF 00214Q302   17,352 739 SH   SOLE   0 0 739
ARK Innovation ETF INNOVATION ETF 00214Q104   450,254 10,245 SH   SOLE   0 0 10,245
Artisan Partners Asset Mgmt Inc CL A 04316A108   4,457 108 SH   SOLE   0 0 108
Astrazeneca Plc Adr SPONSORED ADR 046353108   4,991 64 SH   SOLE   0 0 64
Axcelis Technologies Inc COM NEW 054540208   7,252 51 SH   SOLE   0 0 51
B H P Billiton Limited SPONSORED ADS 088606108   18,356 322 SH   SOLE   0 0 322
Bank Of America Corp COM 060505104   23,862 600 SH   SOLE   0 0 600
Berkshire Hathaway Cl B CL B NEW 084670702   83,801 206 SH   SOLE   0 0 206
BIRKENSTOCK HOLDING ORD COM SHS M2029K104   27,205 500 SH   SOLE   0 0 500
Bitcoin Investment Trust SHS REP COM UT 389637109   116,276 2,184 SH   SOLE   0 0 2,184
Blackstone Mortgage Trust Inc A COM CL A 09257W100   5,818 334 SH   SOLE   0 0 334
Boeing Co COM 097023105   50,053 275 SH   SOLE   0 0 275
Booz Allen Hamilton Holding Corp CL A 099502106   4,463 29 SH   SOLE   0 0 29
Boston Scientific Corp COM 101137107   2,618 34 SH   SOLE   0 0 34
Broadcom Ltd COM 11135F101   85,093 53 SH   SOLE   0 0 53
Cardinal Health Inc COM 14149Y108   18,681 190 SH   SOLE   0 0 190
Carnival Corp New UNIT 99/99/9999 143658300   30,326 1,620 SH   SOLE   0 0 1,620
Carrier Global Corp-Wi COM 14448C104   132,737 2,104 SH   SOLE   0 0 2,104
Check Point Software Technologies Ltd ORD M22465104   4,785 29 SH   SOLE   0 0 29
Chevron Corporation COM 166764100   57,093 365 SH   SOLE   0 0 365
Cisco Systems Inc COM 17275R102   15,441 325 SH   SOLE   0 0 325
Citigroup Inc COM NEW 172967424   15,865 250 SH   SOLE   0 0 250
CMS Energy Corp COM 125896100   1,488 25 SH   SOLE   0 0 25
Coca-Cola Company COM 191216100   41,373 650 SH   SOLE   0 0 650
Coca-Cola Europacific Partners PLC SHS G25839104   4,591 63 SH   SOLE   0 0 63
Conocophillips COM 20825C104   28,023 245 SH   SOLE   0 0 245
CONSTELLATION ENERGY ORD WI COM 21037T109   23,231 116 SH   SOLE   0 0 116
Corteva Inc com COM 22052L104   2,557 47 SH   SOLE   0 0 47
Costco Wholesale Corp COM 22160K105   120,699 142 SH   SOLE   0 0 142
CrowdStrike Holdings Inc CL A 22788C105   51,731 135 SH   SOLE   0 0 135
Dell Computer Corp CL C 24703L202   9,930 72 SH   SOLE   0 0 72
Disney Walt Co COM 254687106   13,510 136 SH   SOLE   0 0 136
Dow Chemical Company COM 260557103   2,981 56 SH   SOLE   0 0 56
Ecolab Inc COM 278865100   1,428 6 SH   SOLE   0 0 6
Edwards Lifesciences Cp COM 28176E108   2,956 32 SH   SOLE   0 0 32
ENOVIX Corp COM 293594107   232,982 15,070 SH   SOLE   0 0 15,070
ETRACS 2xMnthly Py Lvrgd US SmCpHiDivETN ETRACS MNTHLY B 90274E166   4,139 717 SH   SOLE   0 0 717
Exact Sciences Corp COM 30063P105   21,125 500 SH   SOLE   0 0 500
Exelon Corporation COM 30161N101   12,114 350 SH   SOLE   0 0 350
Ferrari N V COM N3167Y103   4,084 10 SH   SOLE   0 0 10
FIDELITY ENHANCED LARGE CAP ETF ENHANCED LARGE 31609A305   186,366 5,777 SH   SOLE   0 0 5,777
Fidelity Total Bond ETF TOTAL BD ETF 316188309   43,360 965 SH   OTR 1 0 0 965
Flextronics International Ltd ORD Y2573F102   39,074 1,325 SH   SOLE   0 0 1,325
FRANKLIN RESOURCES COM 354613101   14,528 650 SH   SOLE   0 0 650
FTC Solar Inc COM 30320C103   3,640 10,311 SH   SOLE   0 0 10,311
Generac Holdings Inc COM 368736104   76,423 578 SH   SOLE   0 0 578
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673   146,224 3,950 SH   SOLE   0 0 3,950
Goldman Sachs Group Inc COM 38141G104   45,232 100 SH   SOLE   0 0 100
GOOGLE INC CAP STK CL C 02079K107   15,407 84 SH   SOLE   0 0 84
Google Inc Class A CAP STK CL A 02079K305   61,567 338 SH   SOLE   0 0 338
Harley Davidson, Inc. COM 412822108   6,085 181 SH   SOLE   0 0 181
Hartford Total Return Bond ETF TOTAL RTRN ETF 41653L305   39,510 1,180 SH   OTR 1 0 0 1,180
Home Depot Inc COM 437076102   21,343 62 SH   SOLE   0 0 62
Honeywell International COM 438516106   36,302 170 SH   SOLE   0 0 170
Intel Corp COM 458140100   8,517 275 SH   SOLE   0 0 275
International Business Machines Corp COM 459200101   47,561 275 SH   SOLE   0 0 275
Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649   66,449 337 SH   SOLE   0 0 337
Invesco QQQ Trust ETF UNIT SER 1 46090E103   1,032,766 2,156 SH   SOLE   0 0 2,156
Invesco S&P 500 GARP ETF S&P 500 GARP ETF 46137V431   5,756 56 SH   SOLE   0 0 56
Invesco S&P MidCap 400 Revenue ETF S&P MDCP 400 REV 46138G672   1,866 17 SH   SOLE   0 0 17
Invesco S&P SmallCap Health Care ETF S&P SMLCP HELT 46138E149   20,405 479 SH   SOLE   0 0 479
iShares 0-5 Year High Yield Corp Bond ETF 0-5YR HI YL CP 46434V407   45,280 1,073 SH   SOLE   0 0 1,073
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842   168,361 2,318 SH   SOLE   0 0 2,318
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   505,641 924 SH   SOLE   0 0 924
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   5,637,010 96,326 SH   SOLE   0 0 96,326
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804   83,596 784 SH   SOLE   0 0 784
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226   11,551 119 SH   SOLE   0 0 119
iShares Currency Hedged MSCI EAFE ETF HDG MSCI EAFE 46434V803   32,071 902 SH   SOLE   0 0 902
iShares ESG Advanced MSCI EAFE ETF ESG EAFE ETF 46436E759   15,089 224 SH   SOLE   0 0 224
iShares Global 100 ETF GLOBAL 100 ETF 464287572   32,864 340 SH   SOLE   0 0 340
iShares Global Tech ETF GLOBAL TECH ETF 464287291   302,234 3,649 SH   SOLE   0 0 3,649
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885   52,956 518 SH   SOLE   0 0 518
iShares MSCI EAFE Value ETF EAFE VALUE ETF 464288877   25,320 477 SH   SOLE   0 0 477
iShares MSCI USA Quality Factor ETF MSCI USA QLT FCT 46432F339   62,424 366 SH   SOLE   0 0 366
iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614   564,948 1,550 SH   SOLE   0 0 1,550
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598   24,949 143 SH   SOLE   0 0 143
iShares Russell 2000 ETF RUSSELL 2000 464287655   17,881 88 SH   SOLE   0 0 88
iShares Russell 2000 Growth ETF RUS 2000 464287648   286,420 1,091 SH   SOLE   0 0 1,091
iShares Russell Mid-Cap ETF RUS MID CAP ETF 464287499   486,885 6,005 SH   SOLE   0 0 6,005
iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481   675,232 6,119 SH   SOLE   0 0 6,119
iShares Russell Mid-Cap Value ETF RUS MDCP VAL ETF 464287473   358,115 2,966 SH   SOLE   0 0 2,966
iShares S&P Small-Cap 600 Value ETF SP SMCP600VL ETF 464287879   20,683 213 SH   SOLE   0 0 213
iShares Silver Trust ISHARES 46428Q109   27,500 1,035 SH   SOLE   0 0 1,035
iShares US Tech Independence Focused ETF U.S. TECH INDEPD 46431W648   61,634 820 SH   SOLE   0 0 820
iShares US Technology ETF U.S. TECH ETF 464287721   32,809 218 SH   SOLE   0 0 218
J P Morgan Chase & Co COM 46625H100   38,834 192 SH   SOLE   0 0 192
Jabil Inc COM 466313103   48,956 450 SH   SOLE   0 0 450
Johnson & Johnson COM 478160104   3,508 24 SH   SOLE   0 0 24
Johnson Controls International plc SHS G51502105   12,031 181 SH   SOLE   0 0 181
Kirby Corp COM 497266106   26,939 225 SH   SOLE   0 0 225
Kyndryl Holdings Inc COMMON STOCK 50155Q100   1,447 55 SH   SOLE   0 0 55
L3Harris Technologies Ord COM 502431109   3,144 14 SH   SOLE   0 0 14
Lam Research Corp COM 512807108   9,584 9 SH   SOLE   0 0 9
Lockheed Martin Corp COM 539830109   46,710 100 SH   SOLE   0 0 100
Lyondellbasell Inds SHS - A - N53745100   11,735 123 SH   SOLE   0 0 123
Marathon Digital Holdings Inc COM 565788106   133,352 6,718 SH   SOLE   0 0 6,718
Matthews EM Discovery Active ETF EMERGING MKT DIS 577125743   1,917,428 75,341 SH   SOLE   0 0 75,341
McDonald's Corp. COM 580135101   3,313 13 SH   SOLE   0 0 13
MERCADOLIBRE INC. COM 58733R102   3,287 2 SH   SOLE   0 0 2
Meta Platforms Inc Class A CL A 30303M102   93,281 185 SH   SOLE   0 0 185
Microchip Technology Inc COM 595017104   45,750 500 SH   SOLE   0 0 500
Microsoft Corp COM 594918104   9,100 20 SH   SOLE   0 0 20
Mondelez Intl Inc Cl A CL A 609207105   4,188 64 SH   SOLE   0 0 64
Netflix Inc. COM 64110L106   3,374 5 SH   SOLE   0 0 5
NEXTracker Inc CLASS A COM 65290E101   10,782 230 SH   SOLE   0 0 230
Nuveen ESG Small-Cap ETF NUVEEN ESG SMLCP 67092P607   24,532 624 SH   SOLE   0 0 624
NVIDIA Corp COM 67066G104   586,692 4,749 SH   SOLE   0 0 4,749
Oracle Corporation COM 68389X105   3,248 23 SH   SOLE   0 0 23
Pacer US Cash Cows 100 ETF US CASH COWS 100 69374H881   106,201 1,949 SH   SOLE   0 0 1,949
PHILLIPS 66 INC COMMON STOCK COM 718546104   16,235 115 SH   SOLE   0 0 115
Qualcomm Inc COM 747525103   43,820 220 SH   SOLE   0 0 220
Royal Caribbean Cruisesf COM V7780T103   47,829 300 SH   SOLE   0 0 300
S A P Aktiengesell Adr SPON ADR 803054204   4,438 22 SH   SOLE   0 0 22
S&P Global Inc COM 78409V104   4,460 10 SH   SOLE   0 0 10
Salesforce Com COM 79466L302   92,556 360 SH   SOLE   0 0 360
Schlumberger Ltd COM STK 806857108   2,501 53 SH   SOLE   0 0 53
Schwab 1000 Index ETF 1000 INDEX ETF 808524722   1,628,659 31,123 SH   SOLE   0 0 31,123
Schwab Emerging Markets Equity ETF EMRG MKTEQETF 808524706   318,324 11,985 SH   SOLE   0 0 11,985
Schwab International Equity ETF INTL EQTY ETF 808524805   337,936 8,796 SH   SOLE   0 0 8,796
Schwab International Small-Cap Eq ETF INTL SCEQT ETF 808524888   149,863 4,212 SH   SOLE   0 0 4,212
Schwab US Broad Market ETF US BRD MKT ETF 808524102   150,924 2,401 SH   SOLE   0 0 2,401
Schwab US Dividend Equity ETF US DIVIDENDEQ 808524797   34,941,268 449,348 SH   SOLE   0 0 449,348
Schwab US Large-Cap ETF US LRG CAP ETF 808524201   30,321,908 471,936 SH   SOLE   0 0 471,936
Schwab US Large-Cap Growth ETF US LCAP GR ETF 808524300   25,873,766 256,582 SH   SOLE   0 0 256,582
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508   13,030,959 167,428 SH   SOLE   0 0 167,428
Schwab US Small-Cap ETF US SML CAP ETF 808524607   274,901 5,793 SH   SOLE   0 0 5,793
Schwab US TIPS ETF US TIPS ETF 808524870   22,049 424 SH   OTR 1 0 0 424
Sector SPDR - Financial FINANCIAL 81369Y605   367,688 8,944 SH   SOLE   0 0 8,944
Sector SPDR - Technology TECHNOLOGY 81369Y803   20,378 90 SH   SOLE   0 0 90
SIMON PROPERTY GROUP COM 828806109   1,518 10 SH   SOLE   0 0 10
SLR Investment Corp COM 83413U100   4,246 264 SH   SOLE   0 0 264
Southwest Airlines Co COM 844741108   5,722 200 SH   SOLE   0 0 200
SPDR Portfolio Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889   351,010 10,006 SH   SOLE   0 0 10,006
SPDR Portfolio Short Term Corporate Bond ETF PORTFOLIO SHORT 78464A474   53,988 1,818 SH   OTR 1 0 0 1,818
SPDR S&P 500 ETF TR UNIT 78462F103   274,545 504 SH   SOLE   0 0 504
SPDR S&P 600 Small Cap Value ETF S&P 600 SMCP VAL 78464A300   30,698 392 SH   SOLE   0 0 392
SPDR S&P Global Dividend ETF S&P GLBDIV ETF 78463X459   182,413 3,086 SH   SOLE   0 0 3,086
SPDR S&P Mid Cap 400 ETF UTSER1 S&PDCRP 78467Y107   27,824 52 SH   SOLE   0 0 52
Spirit AeroSystems Holdings Inc COM CLA 848574109   18,900 575 SH   SOLE   0 0 575
Starbucks Corp COM 855244109   18,217 234 SH   SOLE   0 0 234
Stryker Corp COM 863667101   2,722 8 SH   SOLE   0 0 8
Synopsys Inc COM 871607107   2,975 5 SH   SOLE   0 0 5
Taiwan Semiconductor Manufacturing Co Ltd ADR SPONSORED 874039100   52,664 303 SH   SOLE   0 0 303
Teck Resources Ltd CL B 878742204   10,299 215 SH   SOLE   0 0 215
Telefonica ADR SPONSORED ADR 879382208   653 155 SH   SOLE   0 0 155
Tesla Motors Inc COM 88160R101   63,717 322 SH   SOLE   0 0 322
Teucrium Wheat ETF WHEAT FD 88166A508   13,275 2,500 SH   SOLE   0 0 2,500
Texas Instruments Inc COM 882508104   113,406 583 SH   SOLE   0 0 583
TotalEnergies SE SPONSORED ADS 89151E109   2,601 39 SH   SOLE   0 0 39
Toyota Motor Cp Adr Newf ADS 892331307   2,460 12 SH   SOLE   0 0 12
UBS AG REG SHS H42097107   2,629 89 SH   SOLE   0 0 89
Union Pacific Corp COM 907818108   23,757 105 SH   SOLE   0 0 105
UNITED CONTINENTAL HOLDINGS INC COM 910047109   37,712 775 SH   SOLE   0 0 775
United Parcel Service B CL B 911312106   13,685 100 SH   SOLE   0 0 100
Unity Software Inc COM 91332U101   260 16 SH   SOLE   0 0 16
Vanguard 500 ETF S&P 500 ETF SHS 922908363   1,126,056 2,252 SH   SOLE   0 0 2,252
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   297,024 1,627 SH   SOLE   0 0 1,627
Vanguard ESG US Stock ETF ESG US STK ETF 921910733   65,217 675 SH   SOLE   0 0 675
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   58,514 1,184 SH   SOLE   0 0 1,184
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858   23,288 532 SH   SOLE   0 0 532
Vanguard Growth ETF GROWTH ETF 922908736   148,856 398 SH   SOLE   0 0 398
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406   1,334,505 11,252 SH   SOLE   0 0 11,252
Vanguard Information Technology ETF INF TECH ETF 92204A702   32,366 56 SH   SOLE   0 0 56
Vanguard Interm-Term Treasury Idx ETF INTER TERM TREAS 92206C706   12,479 214 SH   OTR 1 0 0 214
Vanguard Int'l Dividend Appreciation ETF INTL DVD ETF 921946810   12,338 152 SH   SOLE   0 0 152
Vanguard Mid Cap Growth ETF MCAP GR IDXVIP 922908538   3,214 14 SH   SOLE   0 0 14
Vanguard Mid-Cap ETF MID CAP ETF 922908629   191,291 790 SH   SOLE   0 0 790
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835   7,947 110 SH   SOLE   0 0 110
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769   356,571 1,333 SH   SOLE   0 0 1,333
Visa Inc Cl A COM CL A 92826C839   2,625 10 SH   SOLE   0 0 10
WARNER BROS. DISCOVERY SRS A ORD WI COM SER A 934423104   551 74 SH   SOLE   0 0 74
Woodside Petroleum Ltd SPONSORED 980228308   1,862 99 SH   SOLE   0 0 99