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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 2,553 783 SH   SOLE 0 783 0 0
INVESCO QQQ TRUST ETF 46090E103 16,712 46,098 SH   SOLE 0 46,097 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 3,368 21,193 SH   SOLE 0 21,192 0 0
STARBUCKS CORP COM Stock 855244109 244 2,677 SH   SOLE 0 2,677 0 0
JOHNSON & JOHNSON COM Stock 478160104 924 5,212 SH   SOLE 0 5,212 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 508 3,326 SH   SOLE 0 3,326 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 222 1,036 SH   SOLE 0 1,036 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 421 3,887 SH   SOLE 0 3,887 0 0
NETFLIX INC COM Stock 64110L106 236 629 SH   SOLE 0 629 0 0
SPDR S&P 500 ETF ETF 78462F103 18,217 40,335 SH   SOLE 0 40,335 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 867 2,427 SH   SOLE 0 2,427 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 444 2,121 SH   SOLE 0 2,121 0 0
EMERSON ELEC CO COM Stock 291011104 401 4,090 SH   SOLE 0 4,090 0 0
ISHARES TIPS BOND ETF ETF 464287176 720 5,779 SH   SOLE 0 5,779 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 453 8,892 SH   SOLE 0 8,892 0 0
PEPSICO INC COM Stock 713448108 403 2,409 SH   SOLE 0 2,409 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 260 2,108 SH   SOLE 0 2,108 0 0
US BANCORP DEL COM NEW Stock 902973304 2,637 49,617 SH   SOLE 0 49,617 0 0
HOME DEPOT INC COM Stock 437076102 1,330 4,443 SH   SOLE 0 4,443 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 848 3,727 SH   SOLE 0 3,727 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 298 6,289 SH   SOLE 0 6,288 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 312 5,848 SH   SOLE 0 5,848 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 268 4,974 SH   SOLE 0 4,974 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 718 9,602 SH   SOLE 0 9,602 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 1,723 17,200 SH   SOLE 0 17,200 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 2,004 18,577 SH   SOLE 0 18,576 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,072 3,039 SH   SOLE 0 3,039 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 237 3,029 SH   SOLE 0 3,029 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 426 153 SH   SOLE 0 153 0 0
INTUIT COM Stock 461202103 266 554 SH   SOLE 0 554 0 0
MICROSOFT CORP COM Stock 594918104 3,844 12,467 SH   SOLE 0 12,467 0 0
NEXTERA ENERGY INC COM Stock 65339F101 836 9,864 SH   SOLE 0 9,863 0 0
TESLA INC COM Stock 88160R101 883 819 SH   SOLE 0 819 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 459 1,803 SH   SOLE 0 1,803 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 375 9,782 SH   SOLE 0 9,782 0 0
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 4,258 85,955 SH   SOLE 0 85,955 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 515 7,213 SH   SOLE 0 7,212 0 0
SCHWAB U.S. REIT ETF ETF 808524847 564 22,662 SH   SOLE 0 22,661 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508 2,878 37,945 SH   SOLE 0 37,944 0 0
SCHWAB 1-5 YEAR CORPORATE BOND ETF ETF 808524714 522 10,749 SH   SOLE 0 10,749 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 3,650 17,784 SH   SOLE 0 17,783 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 2,437 30,890 SH   SOLE 0 30,890 0 0
VISA INC COM CL A Stock 92826C839 339 1,528 SH   SOLE 0 1,528 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 524 6,754 SH   SOLE 0 6,754 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 2,641 17,871 SH   SOLE 0 17,871 0 0
VANGUARD GROWTH INDEX FUND ETF 922908736 1,950 6,780 SH   SOLE 0 6,780 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 669 26,871 SH   SOLE 0 26,871 0 0
META PLATFORMS INC CL A Stock 30303M102 318 1,432 SH   SOLE 0 1,432 0 0
ISHARES U.S. TRANSPORTATION ETF ETF 464287192 921 3,412 SH   SOLE 0 3,412 0 0
NVIDIA CORPORATION COM Stock 67066G104 1,428 5,232 SH   SOLE 0 5,232 0 0
ABBVIE INC COM Stock 00287Y109 1,231 7,591 SH   SOLE 0 7,590 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND ETF 33939L860 260 4,382 SH   SOLE 0 4,382 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 8,213 276,988 SH   SOLE 0 276,988 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 362 2,153 SH   SOLE 0 2,153 0 0
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 1,451 22,093 SH   SOLE 0 22,092 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 899 11,767 SH   SOLE 0 11,767 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 284 627 SH   SOLE 0 627 0 0
WELLS FARGO CO NEW COM Stock 949746101 222 4,572 SH   SOLE 0 4,572 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 1,175 8,617 SH   SOLE 0 8,617 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 490 8,928 SH   SOLE 0 8,928 0 0
CHEVRON CORP NEW COM Stock 166764100 418 2,567 SH   SOLE 0 2,567 0 0
BK OF AMERICA CORP COM Stock 060505104 212 5,150 SH   SOLE 0 5,150 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 4,137 32,296 SH   SOLE 0 32,295 0 0
WALMART INC COM Stock 931142103 282 1,896 SH   SOLE 0 1,896 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 263 5,694 SH   SOLE 0 5,694 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 3,841 34,222 SH   SOLE 0 34,222 0 0
PFIZER INC COM Stock 717081103 413 7,978 SH   SOLE 0 7,978 0 0
CATERPILLAR INC COM Stock 149123101 373 1,674 SH   SOLE 0 1,674 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 726 260 SH   SOLE 0 260 0 0
AMGEN INC COM Stock 031162100 273 1,128 SH   SOLE 0 1,128 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 2,524 24,654 SH   SOLE 0 24,654 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 914 18,415 SH   SOLE 0 18,415 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,303 16,728 SH   SOLE 0 16,727 0 0
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 1,234 5,242 SH   SOLE 0 5,242 0 0
EXXON MOBIL CORP COM Stock 30231G102 418 5,064 SH   SOLE 0 5,064 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 234 459 SH   SOLE 0 459 0 0
SOUTHWEST AIRLS CO COM Stock 844741108 347 7,569 SH   SOLE 0 7,569 0 0
NOVO-NORDISK A S ADR ADR 670100205 402 3,618 SH   SOLE 0 3,618 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 5,252 19,574 SH   SOLE 0 19,573 0 0
APPLE INC COM Stock 037833100 6,953 39,822 SH   SOLE 0 39,821 0 0
ABBOTT LABS COM Stock 002824100 230 1,941 SH   SOLE 0 1,941 0 0
DISNEY WALT CO COM Stock 254687106 777 5,668 SH   SOLE 0 5,668 0 0