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
ALPHABET INC CAP STK CL A 02079K305 452 165 SH   SOLE   165 0 0
AMAZON COM INC COM 023135106 419 129 SH   SOLE   129 0 0
APPLE INC COM 037833100 767 4,453 SH   SOLE   4,453 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 406 1,271 SH   SOLE   1,271 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 2,998 62,581 SH   SOLE   62,581 0 0
GUARANTY BANCSHARES INC TEX COM 400764106 212 5,500 SH   SOLE   5,500 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 5,507 109,593 SH   SOLE   109,593 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 1,852 66,706 SH   SOLE   66,706 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 780 24,502 SH   SOLE   24,502 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 859 16,667 SH   SOLE   16,667 0 0
ISHARES TR AGGRES ALLOC ETF 464289859 252 3,503 SH   SOLE   3,503 0 0
ISHARES TR CALIF MUN BD ETF 464288356 958 15,456 SH   SOLE   15,456 0 0
ISHARES TR COHEN STEER REIT 464287564 6,212 85,768 SH   SOLE   85,768 0 0
ISHARES TR CORE INTL AGGR 46435G672 2,949 54,481 SH   SOLE   54,481 0 0
ISHARES TR CORE S&P MCP ETF 464287507 335 1,205 SH   SOLE   1,205 0 0
ISHARES TR CORE S&P SCP ETF 464287804 742 6,556 SH   SOLE   6,556 0 0
ISHARES TR CORE S&P TTL STK 464287150 295 2,822 SH   SOLE   2,822 0 0
ISHARES TR CORE S&P500 ETF 464287200 8,102 17,308 SH   SOLE   17,308 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,564 13,904 SH   SOLE   13,904 0 0
ISHARES TR IBOXX HI YD ETF 464288513 2,996 34,894 SH   SOLE   34,894 0 0
ISHARES TR IBOXX INV CP ETF 464287242 3,082 23,761 SH   SOLE   23,761 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 5,301 70,140 SH   SOLE   70,140 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 14,778 188,133 SH   SOLE   188,133 0 0
ISHARES TR MSCI USA MMENTM 46432F396 9,739 55,816 SH   SOLE   55,816 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,131 9,771 SH   SOLE   9,771 0 0
ISHARES TR RUS MD CP GR ETF 464287481 441 4,141 SH   SOLE   4,141 0 0
ISHARES TR RUS MID CAP ETF 464287499 269 3,337 SH   SOLE   3,337 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 925 11,570 SH   SOLE   11,570 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,157 10,803 SH   SOLE   10,803 0 0
JOHNSON & JOHNSON COM 478160104 433 2,488 SH   SOLE   2,488 0 0
JPMORGAN CHASE & CO COM 46625H100 444 2,656 SH   SOLE   2,656 0 0
META PLATFORMS INC CL A 30303M102 397 1,197 SH   SOLE   1,197 0 0
MICROSOFT CORP COM 594918104 576 1,835 SH   SOLE   1,835 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,659 155,503 SH   SOLE   155,503 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,672 88,449 SH   SOLE   88,449 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,901 38,779 SH   SOLE   38,779 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,946 95,898 SH   SOLE   95,898 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 3,297 57,439 SH   SOLE   57,439 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,197 9,158 SH   SOLE   9,158 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 226 1,548 SH   SOLE   1,548 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 7,535 63,052 SH   SOLE   63,052 0 0
TESLA INC COM 88160R101 492 479 SH   SOLE   479 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,697 83,261 SH   SOLE   83,261 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,490 197,339 SH   SOLE   197,339 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 9,087 36,937 SH   SOLE   36,937 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,162 76,205 SH   SOLE   76,205 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 421 8,247 SH   SOLE   8,247 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,951 86,871 SH   SOLE   86,871 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 217 1,083 SH   SOLE   1,083 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,845 6,543 SH   SOLE   6,543 0 0
VISA INC COM CL A 92826C839 295 1,360 SH   SOLE   1,360 0 0