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   2,827,101 3,907 SH   SOLE   0 0 3,907
ALPHABET INC CAP STK CL C 02079K107   1,956,236 12,848 SH   SOLE   0 0 12,848
ALPHABET INC CL A CAP STK CL A 02079K305   760,687 5,040 SH   SOLE   0 0 5,040
AMAZON COM INC COM 023135106   1,523,850 8,448 SH   SOLE   0 0 8,448
AMERICAN EXPRESS CO COM 025816109   209,475 920 SH   SOLE   0 0 920
APPLE INC COM 037833100   3,483,788 20,316 SH   SOLE   0 0 20,316
AT&T INC COM 00206R102   479,829 27,263 SH   SOLE   0 0 27,263
ATYR PHARMA INC COM NEW 002120202   19,500 10,000 SH   SOLE   0 0 10,000
BANK AMER CORP COM 060505104   260,245 6,863 SH   SOLE   0 0 6,863
BERKSHIRE HATHAWAY INC CL B NEW 084670702   581,579 1,383 SH   SOLE   0 0 1,383
BLACKROCK ETF TR II FLEXIBLE INCOME 092528603   230,929 4,402 SH   SOLE   0 0 4,402
BLACKROCK ETF TR US EQT FACTOR 09290C103   268,798 6,054 SH   SOLE   0 0 6,054
CBRE GLOBAL REAL ESTATE INCOME FD COM 12504G100   97,642 18,149 SH   SOLE   0 0 18,149
CEMEX S A B DE C V SPON ADR NEW 151290889   548,259 60,850 SH   SOLE   0 0 60,850
CITIGROUP INC COM NEW 172967424   810,674 12,819 SH   SOLE   0 0 12,819
CLEAN ENERGY FUELS CORP COM 184499101   53,600 20,000 SH   SOLE   0 0 20,000
CVS HEALTH CORP COM 126650100   787,470 9,873 SH   SOLE   0 0 9,873
DISNEY WALT CO COM 254687106   229,425 1,875 SH   SOLE   0 0 1,875
EXXON MOBIL CORP COM 30231G102   424,508 3,652 SH   SOLE   0 0 3,652
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,023,428 10,144 SH   SOLE   0 0 10,144
GRAYSCALE BITCOIN TR SHS REP COM UT 389637109   251,543 3,982 SH   SOLE   0 0 3,982
INNOVATOR ETFS TR GRWT100 PWR BF 45782C334   585,122 12,857 SH   SOLE   0 0 12,857
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   585,165 20,780 SH   SOLE   0 0 20,780
INVESCO EXCHANGE-TRADED FDTR WATER RES ETF 46137V142   301,496 4,529 SH   SOLE   0 0 4,529
INVESCO QQQ TR UNIT SER 1 46090E103   6,168,631 13,893 SH   SOLE   0 0 13,893
INVESCO QQQ TRUST UNIT SER 1 46090E103   991,918 2,234 SH   SOLE   0 0 2,234
ISHARES 1 3 YR TREAS BD 464287457   3,459,785 42,306 SH   SOLE   0 0 42,306
ISHARES CORE MSCI EMKT 46434G103   870,440 16,869 SH   SOLE   0 0 16,869
ISHARES ISHARES NEW 464285204   255,757 6,088 SH   SOLE   0 0 6,088
ISHARES INC CORE MSCI EMKT 46434G103   564,659 10,943 SH   SOLE   0 0 10,943
ISHARES INC MSCI EMERG MRKT 464286533   279,102 4,932 SH   SOLE   0 0 4,932
ISHARES TR 0-5YR HI YL CP 46434V407   899,975 21,151 SH   SOLE   0 0 21,151
ISHARES TR 0-5YR INVT GR CP 46434V100   2,841,569 57,732 SH   SOLE   0 0 57,732
ISHARES TR 1 3 YR TREAS BD 464287457   7,568,085 92,542 SH   SOLE   0 0 92,542
ISHARES TR 20 YR TR BD ETF 464287432   588,253 6,217 SH   SOLE   0 0 6,217
ISHARES TR BLACKROCK ULTRA 46434V878   438,204 8,667 SH   SOLE   0 0 8,667
ISHARES TR USD INV GRDE ETF 464288620   877,001 17,274 SH   SOLE   0 0 17,274
ISHARES TR CORE DIV GRWTH 46434V621   397,943 6,854 SH   SOLE   0 0 6,854
ISHARES TR CORE S&P500 ETF 464287200   5,708,376 10,858 SH   SOLE   0 0 10,858
ISHARES TR CORE S&P SCP ETF 464287804   282,931 2,560 SH   SOLE   0 0 2,560
ISHARES TR CORE TOTAL USD 46434V613   3,676,742 80,648 SH   SOLE   0 0 80,648
ISHARES TR CYBERSECURITY 46435U135   473,794 10,113 SH   SOLE   0 0 10,113
ISHARES TR ESG AWR MSCI USA 46435G425   356,612 3,102 SH   SOLE   0 0 3,102
ISHARES TR IBONDS 24 TRM HG 46435U184   218,718 9,381 SH   SOLE   0 0 9,381
ISHARES TR IBONDS DEC24 ETF 46434VBG4   754,606 30,124 SH   SOLE   0 0 30,124
ISHARES TR IBONDS 24 TRM TS 46436E874   349,692 14,607 SH   SOLE   0 0 14,607
ISHARES TR IBONDS DEC25 ETF 46434VBD1   562,989 22,692 SH   SOLE   0 0 22,692
ISHARES TR IBONDS DEC2026 46435GAA0   336,929 14,127 SH   SOLE   0 0 14,127
ISHARES TR IBONDS 27 ETF 46435UAA9   426,924 17,938 SH   SOLE   0 0 17,938
ISHARES TR IBONDS DEC 26 46435U259   275,124 10,853 SH   SOLE   0 0 10,853
ISHARES TR IBOXX INV CP ETF 464287242   1,983,433 18,210 SH   SOLE   0 0 18,210
ISHARES TR INTL SEL DIV ETF 464288448   336,564 12,003 SH   SOLE   0 0 12,003
ISHARES TR JPMORGAN USD EMG 464288281   1,199,067 13,372 SH   SOLE   0 0 13,372
ISHARES TR MBS ETF 464288588   1,111,997 12,032 SH   SOLE   0 0 12,032
ISHARES TR MSCI EAFE ETF 464287465   976,848 12,232 SH   SOLE   0 0 12,232
ISHARES TR EAFE GRWTH ETF 464288885   524,347 5,052 SH   SOLE   0 0 5,052
ISHARES TR EAFE VALUE ETF 464288877   680,163 12,503 SH   SOLE   0 0 12,503
ISHARES TR MSCI USA MIN VOL 46429B697   800,362 9,576 SH   SOLE   0 0 9,576
ISHARES TR MSCI USA QLT FCT 46432F339   20,321,878 12,365 SH   SOLE   0 0 12,365
ISHARES TR MSCI USA VALUE 46432F388   524,004 4,838 SH   SOLE   0 0 4,838
ISHARES TR S&P 500 GRWT ETF 464287309   2,885,653 34,174 SH   SOLE   0 0 34,174
ISHARES TR S&P 500 VAL ETF 464287408   299,643 1,604 SH   SOLE   0 0 1,604
ISHARES TR SHORT TREAS BD 464288679   4,856,022 43,930 SH   SOLE   0 0 43,930
ISHARES TR TIPS BD ETF 464287176   805,360 7,498 SH   SOLE   0 0 7,498
ISHARES TR TRS FLT RT BD 46434V860   684,315 13,500 SH   SOLE   0 0 13,500
ISHARES TR US HLTHCARE ETF 464287762   436,705 7,055 SH   SOLE   0 0 7,055
ISHARES TR U.S. TECH ETF 464287721   320,632 2,374 SH   SOLE   0 0 2,374
ISHARES TR US TREAS BD ETF 46429B267   956,158 41,992 SH   SOLE   0 0 41,992
JPMORGAN CHASE & CO COM 46625H100   671,606 3,353 SH   SOLE   0 0 3,353
LEXINFINTECH HOLDINGS LTD ADR 528877103   18,000 10,000 SH   SOLE   0 0 10,000
MASTERCARD INC CL A 57636Q104   652,046 1,354 SH   SOLE   0 0 1,354
MERCK & CO INC COM 58933Y105   283,956 2,152 SH   SOLE   0 0 2,152
META PLATFORMS INC CL A 30303M102   1,040,598 2,143 SH   SOLE   0 0 2,143
MICROSOFT CORP COM 594918104   1,923,111 4,571 SH   SOLE   0 0 4,571
NETFLIX INC COM 64110L106   242,932 400 SH   SOLE   0 0 400
NVIDIA CORP COM 67066G104   847,539 938 SH   SOLE   0 0 938
PAYPAL HLDGS INC COM 70450Y103   326,375 4,872 SH   SOLE   0 0 4,872
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   538,392 5,355 SH   SOLE   0 0 5,355
PROLOGIS INC COM 74340W103   238,172 1,829 SH   SOLE   0 0 1,829
QUALCOMM INC COM 747525103   232,618 1,374 SH   SOLE   0 0 1,374
SALESFORCE INC COM 79466L302   210,224 698 SH   SOLE   0 0 698
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,099,206 26,097 SH   SOLE   0 0 26,097
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,488,971 10,079 SH   SOLE   0 0 10,079
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,073,232 14,756 SH   SOLE   0 0 14,756
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   331,730 5,053 SH   SOLE   0 0 5,053
SELECT SECTOR SPDR TR GOLD SHS 78463V107   362,479 1,762 SH   SOLE   0 0 1,762
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,683,459 7,042 SH   SOLE   0 0 7,042
SPDR SER TR BLOOMBERG HIGH Y 78468R622   359,951 3,781 SH   SOLE   0 0 3,781
SPDR SER TR PRTFLO S&P500 HI 78468R788   219,753 5,398 SH   SOLE   0 0 5,398
TAIWAN SEMICONDUCTOR MFG CO SPONSORED ADS 874039100   401,348 2,950 SH   SOLE   0 0 2,950
UNITEDHEALTH GROUP INC COM 91324P102   290,389 587 SH   SOLE   0 0 587
US BANCORP COM NEW 902973304   230,473 5,156 SH   SOLE   0 0 5,156
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,307,257 46,905 SH   SOLE   0 0 46,905
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,481,037 3,081 SH   SOLE   0 0 3,081
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   973,311 5,330 SH   SOLE   0 0 5,330
VISA INC COM CL A 92826C839   1,165,717 4,177 SH   SOLE   0 0 4,177
WELLS FARGO & CO COM 949746101   871,023 15,028 SH   SOLE   0 0 15,028
WISDOMTREE TR YIELD ENHANCD US 97717X511   225,723 5,201 SH   SOLE   0 0 5,201