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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   308,274 3,554 SH   SOLE   0 0 3,554
ALPHABET INC CAP STK CL C 02079K107   1,136,811 8,622 SH   SOLE   0 0 8,622
ALPHABET INC CAP STK CL A 02079K305   554,846 4,240 SH   SOLE   0 0 4,240
AMAZON COM INC COM 023135106   1,531,669 12,049 SH   SOLE   0 0 12,049
APPLE INC COM 037833100   3,097,018 18,089 SH   SOLE   0 0 18,089
AT&T INC COM 00206R102   465,049 30,962 SH   SOLE   0 0 30,962
ATYR PHARMA INC COM NEW 002120202   15,800 10,000 SH   SOLE   0 0 10,000
CEMEX SAB DE CV SPON ADR NEW 151290889   702,559 108,086 SH   SOLE   0 0 108,086
CITIGROUP INC COM NEW 172967424   340,968 8,290 SH   SOLE   0 0 8,290
CLEAN ENERGY FUELS CORP COM 184499101   38,300 10,000 SH   SOLE   0 0 10,000
CVS HEALTH CORP COM 126650100   689,333 9,873 SH   SOLE   0 0 9,873
DISNEY WALT CO COM 254687106   216,809 2,675 SH   SOLE   0 0 2,675
DURECT CORP COM NEW 266605500   29,880 12,000 SH   SOLE   0 0 12,000
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142   240,852 4,529 SH   SOLE   0 0 4,529
INVESCO QQQ TR UNIT SER 1 46090E103   1,450,635 4,049 SH   SOLE   0 0 4,049
ISHARES GOLD TR ISHARES NEW 464285204   213,789 6,110 SH   SOLE   0 0 6,110
ISHARES INC CORE MSCI EMKT 46434G103   1,108,800 23,299 SH   SOLE   0 0 23,299
ISHARES TR IBONDS DEC24 ETF 46434VBG4   465,320 18,816 SH   SOLE   0 0 18,816
ISHARES TR 0-5YR INVT GR CP 46434V100   1,734,155 36,132 SH   SOLE   0 0 36,132
ISHARES TR IBONDS 23 TRM TS 46436E882   1,148,248 46,263 SH   SOLE   0 0 46,263
ISHARES TR TRS FLT RT BD 46434V860   1,147,181 22,609 SH   SOLE   0 0 22,609
ISHARES TR INTL SEL DIV ETF 464288448   324,409 12,772 SH   SOLE   0 0 12,772
ISHARES TR IBONDS DEC 26 46435U259   278,393 11,221 SH   SOLE   0 0 11,221
ISHARES TR CORE DIV GRWTH 46434V621   209,958 4,239 SH   SOLE   0 0 4,239
ISHARES TR USD INV GRDE ETF 464288620   830,361 17,274 SH   SOLE   0 0 17,274
ISHARES TR IBONDS DEC23 ETF 46434VAX8   468,298 18,466 SH   SOLE   0 0 18,466
ISHARES TR MBS ETF 464288588   1,332,355 15,004 SH   SOLE   0 0 15,004
ISHARES TR U.S. TECH ETF 464287721   243,100 2,317 SH   SOLE   0 0 2,317
ISHARES TR CYBERSECURITY 46435U135   474,328 12,317 SH   SOLE   0 0 12,317
ISHARES TR S&P 500 GRWT ETF 464287309   635,006 9,281 SH   SOLE   0 0 9,281
ISHARES TR IBONDS DEC25 ETF 46434VBD1   225,934 9,271 SH   SOLE   0 0 9,271
ISHARES TR 0-5YR HI YL CP 46434V407   849,936 20,715 SH   SOLE   0 0 20,715
ISHARES TR BLACKROCK ULTRA 46434V878   436,643 8,667 SH   SOLE   0 0 8,667
ISHARES TR US HLTHCARE ETF 464287762   381,069 1,411 SH   SOLE   0 0 1,411
ISHARES TR 20 YR TR BD ETF 464287432   594,933 6,708 SH   SOLE   0 0 6,708
ISHARES TR SHORT TREAS BD 464288679   3,175,792 28,748 SH   SOLE   0 0 28,748
ISHARES TR MSCI USA QLT FCT 46432F339   1,229,337 9,328 SH   SOLE   0 0 9,328
ISHARES TR CORE S&P SCP ETF 464287804   339,399 3,598 SH   SOLE   0 0 3,598
ISHARES TR GL CLEAN ENE ETF 464288224   474,536 32,458 SH   SOLE   0 0 32,458
ISHARES TR TIPS BD ETF 464287176   819,595 7,902 SH   SOLE   0 0 7,902
ISHARES TR 1 3 YR TREAS BD 464287457   8,369,140 103,361 SH   SOLE   0 0 103,361
ISHARES TR ESG AWR MSCI USA 46435G425   427,572 4,553 SH   SOLE   0 0 4,553
ISHARES TR CORE TOTAL USD 46434V613   3,944,841 90,240 SH   SOLE   0 0 90,240
ISHARES TR IBOXX INV CP ETF 464287242   1,868,292 18,313 SH   SOLE   0 0 18,313
ISHARES TR MSCI USA VALUE 46432F388   428,470 4,723 SH   SOLE   0 0 4,723
ISHARES TR JPMORGAN USD EMG 464288281   1,257,522 15,239 SH   SOLE   0 0 15,239
ISHARES TR MSCI USA MIN VOL 46429B697   914,738 12,638 SH   SOLE   0 0 12,638
ISHARES TR US TREAS BD ETF 46429B267   4,555,580 206,696 SH   SOLE   0 0 206,696
ISHARES TR EAFE VALUE ETF 464288877   930,404 19,015 SH   SOLE   0 0 19,015
ISHARES TR BROAD USD HIGH 46435U853   783,440 22,571 SH   SOLE   0 0 22,571
ISHARES TR CORE S&P US VLU 464287663   843,952 11,310 SH   SOLE   0 0 11,310
ISHARES TR CORE MSCI EAFE 46432F842   343,629 5,340 SH   SOLE   0 0 5,340
ISHARES TR EAFE GRWTH ETF 464288885   655,967 7,601 SH   SOLE   0 0 7,601
ISHARES TR CORE S&P500 ETF 464287200   3,552,245 8,272 SH   SOLE   0 0 8,272
JPMORGAN CHASE & CO COM 46625H100   324,555 2,238 SH   SOLE   0 0 2,238
MASTERCARD INCORPORATED CL A 57636Q104   536,062 1,354 SH   SOLE   0 0 1,354
META PLATFORMS INC CL A 30303M102   396,577 1,321 SH   SOLE   0 0 1,321
MICROSOFT CORP COM 594918104   1,883,765 5,966 SH   SOLE   0 0 5,966
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,076,606 10,751 SH   SOLE   0 0 10,751
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   853,099 25,719 SH   SOLE   0 0 25,719
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,353,379 14,356 SH   SOLE   0 0 14,356
SPDR GOLD TR GOLD SHS 78463V107   305,010 1,779 SH   SOLE   0 0 1,779
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,449,585 3,391 SH   SOLE   0 0 3,391
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,282,962 25,254 SH   SOLE   0 0 25,254
TILRAY BRANDS INC COM 88688T100   28,764 12,035 SH   SOLE   0 0 12,035
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,206,876 46,140 SH   SOLE   0 0 46,140
VANGUARD INDEX FDS GROWTH ETF 922908736   1,127,908 4,142 SH   SOLE   0 0 4,142
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,542,340 6,474 SH   SOLE   0 0 6,474
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   787,565 13,673 SH   SOLE   0 0 13,673
VISA INC COM CL A 92826C839   799,745 3,477 SH   SOLE   0 0 3,477
WELLS FARGO CO NEW COM 949746101   458,408 11,219 SH   SOLE   0 0 11,219