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
ABBOTT LABS COM 002824100 647 4,600 SH   SOLE 0 0 0 4,600
ALPHABET INC CAP STK CL A 02079K305 1,275 440 SH   SOLE 0 0 0 440
AMERICAN AIRLS GROUP INC COM 02376R102 277 15,430 SH   SOLE 0 0 0 15,430
APPLE INC COM 037833100 1,137 6,405 SH   SOLE 0 0 0 6,405
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 3,220 112,204 SH   SOLE 0 0 0 112,204
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 803 2,685 SH   SOLE 0 0 0 2,685
BK OF AMERICA CORP COM 060505104 272 6,124 SH   SOLE 0 0 0 6,124
BLACKBOXSTOCKS INC COM NEW 09229E204 169 47,358 SH   SOLE 0 0 0 47,358
BLACKROCK MUNI INCOME TR II COM 09249N101 243 16,069 SH   SOLE 0 0 0 16,069
BLACKROCK MUNIASSETS FD INC COM 09254J102 331 22,277 SH   SOLE 0 0 0 22,277
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 840 50,090 SH   SOLE 0 0 0 50,090
BLACKROCK MUNIVEST FD II INC COM 09253T101 1,458 92,009 SH   SOLE 0 0 0 92,009
BLACKROCK MUNIYIELD FD INC COM 09253W104 802 54,544 SH   SOLE 0 0 0 54,544
BLACKROCK MUNIYILD QULT FD I COM 09254F100 688 42,626 SH   SOLE 0 0 0 42,626
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 310 21,588 SH   SOLE 0 0 0 21,588
BNY MELLON MUN INCOME INC COM 05589T104 1,206 137,773 SH   SOLE 0 0 0 137,773
BNY MELLON STRATEGIC MUNS IN COM 05588W108 1,887 222,791 SH   SOLE 0 0 0 222,791
CHEVRON CORP NEW COM 166764100 1,146 9,767 SH   SOLE 0 0 0 9,767
CONOCOPHILLIPS COM 20825C104 401 5,550 SH   SOLE 0 0 0 5,550
DANAHER CORPORATION COM 235851102 411 1,250 SH   SOLE 0 0 0 1,250
DARDEN RESTAURANTS INC COM 237194105 442 2,937 SH   SOLE 0 0 0 2,937
DELAWARE INVTS COLO MUN INCO COM 246101109 241 16,904 SH   SOLE 0 0 0 16,904
DISNEY WALT CO COM 254687106 581 3,752 SH   SOLE 0 0 0 3,752
DTF TAX-FREE INCOME INC COM 23334J107 198 13,834 SH   SOLE 0 0 0 13,834
DWS MUN INCOME TR COM 233368109 454 38,372 SH   SOLE 0 0 0 38,372
EASTMAN CHEM CO COM 277432100 278 2,301 SH   SOLE 0 0 0 2,301
EOG RES INC COM 26875P101 1,035 11,651 SH   SOLE 0 0 0 11,651
EXXON MOBIL CORP COM 30231G102 862 14,081 SH   SOLE 0 0 0 14,081
FEDERATED HERMES PREM MUNI I COM 31423P108 369 24,522 SH   SOLE 0 0 0 24,522
GOLDMAN SACHS GROUP INC COM 38141G104 422 1,102 SH   SOLE 0 0 0 1,102
HOME DEPOT INC COM 437076102 248 597 SH   SOLE 0 0 0 597
ISHARES GOLD TR ISHARES NEW 464285204 4,754 136,565 SH   SOLE 0 0 0 136,565
ISHARES INC MSCI GBL MIN VOL 464286525 12,994 120,000 SH   SOLE 0 0 0 120,000
ISHARES INC CORE MSCI EMKT 46434G103 22,759 380,210 SH   SOLE 0 0 0 380,210
ISHARES TR CORE MSCI EAFE 46432F842 2,235 29,948 SH   SOLE 0 0 0 29,948
ISHARES TR CORE 1 5 YR USD 46432F859 200 3,974 SH   SOLE 0 0 0 3,974
ISHARES TR MSCI USA QLT FCT 46432F339 1,411 9,696 SH   SOLE 0 0 0 9,696
ISHARES TR 0-5YR HI YL CP 46434V407 334 7,369 SH   SOLE 0 0 0 7,369
ISHARES TR MSCI INTL MOMENT 46434V449 2,272 59,753 SH   SOLE 0 0 0 59,753
ISHARES TR MSCI INTL QUALTY 46434V456 8,692 220,716 SH   SOLE 0 0 0 220,716
ISHARES TR CORE S&P TTL STK 464287150 3,928 36,718 SH   SOLE 0 0 0 36,718
ISHARES TR NATIONAL MUN ETF 464288414 9,281 79,817 SH   SOLE 0 0 0 79,817
ISHARES TR ISHS 5-10YR INVT 464288638 5,990 101,055 SH   SOLE 0 0 0 101,055
ISHARES TR NEW YORK MUN ETF 464288323 426 7,355 SH   SOLE 0 0 0 7,355
ISHARES TR SHRT NAT MUN ETF 464288158 4,555 42,419 SH   SOLE 0 0 0 42,419
ISHARES TR CORE INTL AGGR 46435G672 5,929 108,730 SH   SOLE 0 0 0 108,730
ISHARES TR MSCI EAFE MIN VL 46429B689 330 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR CORE US AGGBD ET 464287226 2,193 19,219 SH   SOLE 0 0 0 19,219
ISHARES TR IBOXX INV CP ETF 464287242 333 2,510 SH   SOLE 0 0 0 2,510
ISHARES TR S&P SML 600 GWT 464287887 319 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200 2,843 5,960 SH   SOLE 0 0 0 5,960
ISHARES TR RUS 1000 GRW ETF 464287614 1,033 3,379 SH   SOLE 0 0 0 3,379
ISHARES TR CORE S&P US GWT 464287671 527 4,554 SH   SOLE 0 0 0 4,554
JOHNSON & JOHNSON COM 478160104 376 2,200 SH   SOLE 0 0 0 2,200
JPMORGAN CHASE & CO COM 46625H100 473 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101 658 2,454 SH   SOLE 0 0 0 2,454
MFS HIGH INCOME MUN TR SH BEN INT 59318D104 194 38,089 SH   SOLE 0 0 0 38,089
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 1,015 224,549 SH   SOLE 0 0 0 224,549
MFS INVT GRADE MUN TR SH BEN INT 59318B108 457 44,329 SH   SOLE 0 0 0 44,329
MFS MUN INCOME TR SH BEN INT 552738106 124 17,733 SH   SOLE 0 0 0 17,733
MICROSOFT CORP COM 594918104 1,287 3,826 SH   SOLE 0 0 0 3,826
NETFLIX INC COM 64110L106 415 689 SH   SOLE 0 0 0 689
NEUBERGER BRMAN CLIFRN MUNI COM 64123C101 360 25,710 SH   SOLE 0 0 0 25,710
NUVEEN AMT-FREE MUN VALUE FD COM 670695105 225 13,574 SH   SOLE 0 0 0 13,574
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 223 22,080 SH   SOLE 0 0 0 22,080
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102 518 31,128 SH   SOLE 0 0 0 31,128
NUVEEN ENHANCED MUN VALUE FD COM 67074M101 794 50,690 SH   SOLE 0 0 0 50,690
NUVEEN MUN VALUE FD INC COM 670928100 1,182 113,896 SH   SOLE 0 0 0 113,896
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 563 35,262 SH   SOLE 0 0 0 35,262
PEPSICO INC COM 713448108 441 2,540 SH   SOLE 0 0 0 2,540
PIMCO CALIF MUN INCOME FD II COM 72201C109 337 30,383 SH   SOLE 0 0 0 30,383
PIMCO CALIF MUN INCOME FD II COM 72200M108 256 27,432 SH   SOLE 0 0 0 27,432
PIMCO MUN INCOME FD COM 72200R107 220 14,443 SH   SOLE 0 0 0 14,443
PIMCO NEW YORK MUN FD II COM 72200Y102 192 16,960 SH   SOLE 0 0 0 16,960
PIMCO NEW YORK MUN INCOME FD COM 72201E105 329 35,330 SH   SOLE 0 0 0 35,330
PIMCO NEW YORK MUN INCOME FD COM 72200T103 240 19,528 SH   SOLE 0 0 0 19,528
PIONEER MUNICIPAL HIGH INCOM COM 723762100 143 12,404 SH   SOLE 0 0 0 12,404
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 1,031 84,333 SH   SOLE 0 0 0 84,333
PIONEER NAT RES CO COM 723787107 333 1,831 SH   SOLE 0 0 0 1,831
QUALCOMM INC COM 747525103 464 2,536 SH   SOLE 0 0 0 2,536
RIVERNORTH FLEXIBLE MUN INCO COM 76883H104 250 11,414 SH   SOLE 0 0 0 11,414
RIVERNORTH FLEXIBLE MUNI INC COM 76883Y107 531 26,726 SH   SOLE 0 0 0 26,726
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 11,007 67,221 SH   SOLE 0 0 0 67,221
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 18,872 257,741 SH   SOLE 0 0 0 257,741
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,718 55,447 SH   SOLE 0 0 0 55,447
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,869 303,564 SH   SOLE 0 0 0 303,564
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 310 5,285 SH   SOLE 0 0 0 5,285
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 836 4,807 SH   SOLE 0 0 0 4,807
SOUTHWEST AIRLS CO COM 844741108 296 6,903 SH   SOLE 0 0 0 6,903
SPDR SER TR PRTFLO S&P500 VL 78464A508 14,747 351,115 SH   SOLE 0 0 0 351,115
SPDR SER TR PRTFLO S&P500 GW 78464A409 43,369 598,435 SH   SOLE 0 0 0 598,435
SPDR SER TR NUVEEN BLMBRG SH 78468R739 5,760 117,114 SH   SOLE 0 0 0 117,114
SPDR SER TR NUVEEN BLMBRG MU 78468R721 812 15,700 SH   SOLE 0 0 0 15,700
TARGET CORP COM 87612E106 272 1,177 SH   SOLE 0 0 0 1,177
TEXAS INSTRS INC COM 882508104 302 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104 603 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108 655 2,600 SH   SOLE 0 0 0 2,600
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 8,057 157,148 SH   SOLE 0 0 0 157,148
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,377 9,940 SH   SOLE 0 0 0 9,940
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,905 16,092 SH   SOLE 0 0 0 16,092
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11,166 138,141 SH   SOLE 0 0 0 138,141
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,297 22,321 SH   SOLE 0 0 0 22,321
VANGUARD INDEX FDS VALUE ETF 922908744 13,625 92,620 SH   SOLE 0 0 0 92,620
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,483 36,249 SH   SOLE 0 0 0 36,249
VANGUARD INDEX FDS SML CP GRW ETF 922908595 5,723 20,309 SH   SOLE 0 0 0 20,309
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,573 31,800 SH   SOLE 0 0 0 31,800
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,369 22,055 SH   SOLE 0 0 0 22,055
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 78,739 1,433,972 SH   SOLE 0 0 0 1,433,972
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 8,239 123,956 SH   SOLE 0 0 0 123,956
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 789 7,039 SH   SOLE 0 0 0 7,039
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,262 29,127 SH   SOLE 0 0 0 29,127
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 29,007 431,847 SH   SOLE 0 0 0 431,847
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 17,598 206,020 SH   SOLE 0 0 0 206,020
VISA INC COM CL A 92826C839 729 3,364 SH   SOLE 0 0 0 3,364
WESTERN ASSET INTER MUNI FD COM 958435109 262 27,227 SH   SOLE 0 0 0 27,227
WESTERN ASSET MANAGED MUNS F COM 95766M105 1,863 142,411 SH   SOLE 0 0 0 142,411
WESTERN ASSET MUN PARTNERS F COM 95766P108 696 44,702 SH   SOLE 0 0 0 44,702