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
ADOBE SYSTEMS INCORPORATED COM 00724F101 293 801 SH   SOLE   0 0 801
ALBEMARLE CORP COM 012653101 828 3,960 SH   SOLE   0 0 3,960
ALPHABET INC CAP STK CL A 02079K305 10,742 4,929 SH   SOLE   0 0 4,929
ALPHABET INC CAP STK CL C 02079K107 2,290 1,047 SH   SOLE   0 0 1,047
AMAZON COM INC COM 023135106 12,452 117,237 SH   SOLE   0 0 117,237
APPLE INC COM 037833100 13,123 95,986 SH   SOLE   0 0 95,986
ARCONIC CORPORATION COM 03966V107 234 8,333 SH   SOLE   0 0 8,333
AT&T INC COM 00206R102 3,280 156,499 SH   SOLE   0 0 156,499
AVIS BUDGET GROUP COM 053774105 279 1,900 SH   SOLE   0 0 1,900
BOXLIGHT CORP COM CL A 103197109 19 28,000 SH   SOLE   0 0 28,000
BROADCOM INC COM 11135F101 317 652 SH   SOLE   0 0 652
CALIX INC COM 13100M509 235 6,882 SH   SOLE   0 0 6,882
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 270 13,460 SH   SOLE   0 0 13,460
CHUBB LIMITED COM H1467J104 353 1,797 SH   SOLE   0 0 1,797
CLEVELAND-CLIFFS INC NEW COM 185899101 201 13,072 SH   SOLE   0 0 13,072
COSTCO WHSL CORP NEW COM 22160K105 236 492 SH   SOLE   0 0 492
DANAHER CORPORATION COM 235851102 263 1,036 SH   SOLE   0 0 1,036
DISNEY WALT CO COM 254687106 3,910 41,420 SH   SOLE   0 0 41,420
EATON VANCE CALIF MUN BD FD COM 27828A100 108 11,650 SH   SOLE   0 0 11,650
FEDERATED HERMES ETF TRUST SHORT DURATION H 31423L206 522 24,000 SH   SOLE   0 0 24,000
GILEAD SCIENCES INC COM 375558103 5,354 86,621 SH   SOLE   0 0 86,621
GLOBAL X FDS S&P 500 COVERED 37954Y475 332 7,785 SH   SOLE   0 0 7,785
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 19,137 255,367 SH   SOLE   0 0 255,367
GRID DYNAMICS HLDGS INC CL A 39813G109 348 20,668 SH   SOLE   0 0 20,668
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 2,517 54,457 SH   SOLE   0 0 54,457
ISHARES GOLD TR ISHARES NEW 464285204 3,480 101,430 SH   SOLE   0 0 101,430
ISHARES TR 20 YR TR BD ETF 464287432 14,178 123,422 SH   SOLE   0 0 123,422
ISHARES TR CORE US AGGBD ET 464287226 1,279 12,579 SH   SOLE   0 0 12,579
ISHARES TR MSCI ACWI ETF 464288257 431 5,143 SH   SOLE   0 0 5,143
ISHARES TR MSCI EAFE ETF 464287465 603 9,652 SH   SOLE   0 0 9,652
ISHARES TR NATIONAL MUN ETF 464288414 18,312 172,169 SH   SOLE   0 0 172,169
ISHARES TR U.S. MED DVC ETF 464288810 4,374 86,720 SH   SOLE   0 0 86,720
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 337 6,928 SH   SOLE   0 0 6,928
LINDE PLC SHS G5494J103 212 739 SH   SOLE   0 0 739
LOUISIANA PAC CORP COM 546347105 238 4,547 SH   SOLE   0 0 4,547
MEDTRONIC PLC SHS G5960L103 5,371 59,845 SH   SOLE   0 0 59,845
MERCK & CO INC COM 58933Y105 6,363 69,797 SH   SOLE   0 0 69,797
META PLATFORMS INC CL A 30303M102 7,675 47,598 SH   SOLE   0 0 47,598
MICROSOFT CORP COM 594918104 12,183 47,437 SH   SOLE   0 0 47,437
NETFLIX INC COM 64110L106 256 1,463 SH   SOLE   0 0 1,463
NVIDIA CORPORATION COM 67066G104 278 1,833 SH   SOLE   0 0 1,833
PIMCO ETF TR ACTIVE BD ETF 72201R775 12,560 131,861 SH   SOLE   0 0 131,861
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,185 11,958 SH   SOLE   0 0 11,958
PROSHARES TR SHORT QQQ NEW 74347B714 2,892 200,804 SH   SOLE   0 0 200,804
PROSHARES TR ULTRASHRT S&P500 74347G416 2,927 58,156 SH   SOLE   0 0 58,156
PROSHARES TR II VIX SH TRM FUTRS 74347Y854 3,331 182,520 SH   SOLE   0 0 182,520
RAYTHEON TECHNOLOGIES CORP COM 75513E101 409 4,260 SH   SOLE   0 0 4,260
SALESFORCE INC COM 79466L302 4,168 25,256 SH   SOLE   0 0 25,256
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 552 21,749 SH   SOLE   0 0 21,749
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,353 19,290 SH   SOLE   0 0 19,290
SIMON PPTY GROUP INC NEW COM 828806109 5,096 53,684 SH   SOLE   0 0 53,684
SPDR GOLD TR GOLD SHS 78463V107 7,000 41,554 SH   SOLE   0 0 41,554
STARBUCKS CORP COM 855244109 261 3,412 SH   SOLE   0 0 3,412
STEEL DYNAMICS INC COM 858119100 232 3,500 SH   SOLE   0 0 3,500
TELEDYNE TECHNOLOGIES INC COM 879360105 367 979 SH   SOLE   0 0 979
TESLA INC COM 88160R101 729 1,083 SH   SOLE   0 0 1,083
THE TRADE DESK INC COM CL A 88339J105 475 11,334 SH   SOLE   0 0 11,334
THERMO FISHER SCIENTIFIC INC COM 883556102 216 398 SH   SOLE   0 0 398
U S XPRESS ENTERPRISES INC COM CL A 90338N202 32 12,000 SH   SOLE   0 0 12,000
UNITEDHEALTH GROUP INC COM 91324P102 366 712 SH   SOLE   0 0 712
USIO INC COM 917313108 24 10,000 SH   SOLE   0 0 10,000
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 2,412 107,371 SH   SOLE   0 0 107,371
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,546 8,196 SH   SOLE   0 0 8,196
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 262 5,242 SH   SOLE   0 0 5,242
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 15,011 104,631 SH   SOLE   0 0 104,631
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 13,740 135,102 SH   SOLE   0 0 135,102
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 429 7,293 SH   SOLE   0 0 7,293
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 2,284 12,323 SH   SOLE   0 0 12,323
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 10,491 135,917 SH   SOLE   0 0 135,917
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,738 11,408 SH   SOLE   0 0 11,408
VERIZON COMMUNICATIONS INC COM 92343V104 10,263 202,224 SH   SOLE   0 0 202,224