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
AIRBNB INC COM CL A 009066101 791 4,606 SH   SOLE   0 0 4,606
ALPHABET INC CAP STK CL A 02079K305 234 84 SH   SOLE   0 0 84
AMAZON COM INC COM 023135106 336 103 SH   SOLE   0 0 103
AMERICAN EXPRESS CO COM 025816109 301 1,612 SH   SOLE   0 0 1,612
AMERICAN WTR WKS CO INC NEW COM 030420103 561 3,387 SH   SOLE   0 0 3,387
APPLE INC COM 037833100 5,054 28,943 SH   SOLE   0 0 28,943
CHEVRON CORP NEW COM 166764100 2,018 12,392 SH   SOLE   0 0 12,392
CISCO SYS INC COM 17275R102 1,555 27,891 SH   SOLE   0 0 27,891
COSTCO WHSL CORP NEW COM 22160K105 1,193 2,071 SH   SOLE   0 0 2,071
DBX ETF TR XTRACKERS LOW 233051267 517 10,718 SH   SOLE   0 0 10,718
ETF SER SOLUTIONS LHA MKT ST TACTL 26922B105 1,087 35,846 SH   SOLE   0 0 35,846
ECOARK HLDGS INC COM NEW 27888N307 253 109,366 SH   SOLE   0 0 109,366
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 2,911 61,864 SH   SOLE   0 0 61,864
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 639 22,472 SH   SOLE   0 0 22,472
FLEXSHARES TR DISCP DUR MBS 33939L779 273 12,400 SH   SOLE   0 0 12,400
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 692 6,925 SH   SOLE   0 0 6,925
HONEYWELL INTL INC COM 438516106 312 1,602 SH   SOLE   0 0 1,602
INVESCO QQQ TR UNIT SER 1 46090E103 12,718 35,082 SH   SOLE   0 0 35,082
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 2,937 216,400 SH   SOLE   0 0 216,400
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 441 19,494 SH   SOLE   0 0 19,494
ISHARES GOLD TR ISHARES NEW 464285204 998 27,111 SH   SOLE   0 0 27,111
ISHARES TR CORE S&P TTL STK 464287150 617 6,116 SH   SOLE   0 0 6,116
ISHARES TR TIPS BD ETF 464287176 230 1,847 SH   SOLE   0 0 1,847
ISHARES TR CORE US AGGBD ET 464287226 5,436 50,753 SH   SOLE   0 0 50,753
ISHARES TR MSCI EAFE ETF 464287465 245 3,332 SH   SOLE   0 0 3,332
ISHARES TR RUS 1000 GRW ETF 464287614 2,860 10,300 SH   SOLE   0 0 10,300
ISHARES TR RUSSELL 2000 ETF 464287655 11,880 57,874 SH   SOLE   0 0 57,874
ISHARES TR SHRT NAT MUN ETF 464288158 386 3,693 SH   SOLE   0 0 3,693
ISHARES TR EAFE SML CP ETF 464288273 6,370 96,015 SH   SOLE   0 0 96,015
ISHARES TR JPMORGAN USD EMG 464288281 833 8,525 SH   SOLE   0 0 8,525
ISHARES TR CALIF MUN BD ETF 464288356 4,140 71,153 SH   SOLE   0 0 71,153
ISHARES TR NATIONAL MUN ETF 464288414 2,815 25,676 SH   SOLE   0 0 25,676
ISHARES TR PFD AND INCM SEC 464288687 440 12,069 SH   SOLE   0 0 12,069
ISHARES TR GRWT ALLOCAT ETF 464289867 1,226 22,722 SH   SOLE   0 0 22,722
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,530 43,165 SH   SOLE   0 0 43,165
ISHARES TR CORE MSCI EAFE 46432F842 25,151 361,826 SH   SOLE   0 0 361,826
ISHARES INC CORE MSCI EMKT 46434G103 2,917 52,518 SH   SOLE   0 0 52,518
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 718 14,179 SH   SOLE   0 0 14,179
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,327 66,190 SH   SOLE   0 0 66,190
KRANESHARES TR QUADRTC INT RT 500767736 585 22,836 SH   SOLE   0 0 22,836
MCDONALDS CORP COM 580135101 201 812 SH   SOLE   0 0 812
MICROSOFT CORP COM 594918104 1,665 5,400 SH   SOLE   0 0 5,400
NIKE INC CL B 654106103 282 2,093 SH   SOLE   0 0 2,093
PIMCO ETF TR 1-5 US TIP IDX 72201R205 2,037 37,390 SH   SOLE   0 0 37,390
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,934 39,277 SH   SOLE   0 0 39,277
RAYTHEON TECHNOLOGIES CORP COM 75513E101 209 2,105 SH   SOLE   0 0 2,105
SPDR S&P 500 ETF TR TR UNIT 78462F103 44,735 99,051 SH   SOLE   0 0 99,051
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 635 11,760 SH   SOLE   0 0 11,760
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,697 30,775 SH   SOLE   0 0 30,775
SPDR SER TR BLOOMBERG CONV 78464A359 655 8,512 SH   SOLE   0 0 8,512
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 224 4,985 SH   SOLE   0 0 4,985
SPDR SER TR BLOOMBERG SHT TE 78468R408 5,467 208,360 SH   SOLE   0 0 208,360
SPDR SER TR BLOOMBERG HIGH Y 78468R622 3,155 30,783 SH   SOLE   0 0 30,783
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,971 93,104 SH   SOLE   0 0 93,104
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,509 213,720 SH   SOLE   0 0 213,720
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,152 16,134 SH   SOLE   0 0 16,134
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,443 51,576 SH   SOLE   0 0 51,576
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,115 76,164 SH   SOLE   0 0 76,164
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,690 72,128 SH   SOLE   0 0 72,128
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,521 123,132 SH   SOLE   0 0 123,132
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 479 8,994 SH   SOLE   0 0 8,994
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,076 41,912 SH   SOLE   0 0 41,912
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,660 208,538 SH   SOLE   0 0 208,538
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,556 40,971 SH   SOLE   0 0 40,971
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 6,665 87,830 SH   SOLE   0 0 87,830
SERVICENOW INC COM 81762P102 223 400 SH   SOLE   0 0 400
TESLA INC COM 88160R101 499 463 SH   SOLE   0 0 463
UNITED PARCEL SERVICE INC CL B 911312106 238 1,110 SH   SOLE   0 0 1,110
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 1,462 30,888 SH   SOLE   0 0 30,888
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,814 31,602 SH   SOLE   0 0 31,602
VANGUARD STAR FDS VG TL INTL STK F 921909768 226 3,790 SH   SOLE   0 0 3,790
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,140 27,466 SH   SOLE   0 0 27,466
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 16,655 209,389 SH   SOLE   0 0 209,389
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,681 112,972 SH   SOLE   0 0 112,972
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,687 130,575 SH   SOLE   0 0 130,575
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,878 150,227 SH   SOLE   0 0 150,227
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,859 55,032 SH   SOLE   0 0 55,032
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 6,965 74,580 SH   SOLE   0 0 74,580
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,576 20,178 SH   SOLE   0 0 20,178
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,581 50,076 SH   SOLE   0 0 50,076
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 16,975 156,643 SH   SOLE   0 0 156,643
VANGUARD INDEX FDS GROWTH ETF 922908736 553 1,922 SH   SOLE   0 0 1,922
VANGUARD INDEX FDS TOTAL STK MKT 922908769 29,355 128,936 SH   SOLE   0 0 128,936
VISA INC COM CL A 92826C839 839 3,782 SH   SOLE   0 0 3,782
WEC ENERGY GROUP INC COM 92939U106 253 2,531 SH   SOLE   0 0 2,531
WALMART INC COM 931142103 241 1,616 SH   SOLE   0 0 1,616
WISDOMTREE TR INTRST RATE HDGE 97717W380 1,575 33,917 SH   SOLE   0 0 33,917
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,003 41,862 SH   SOLE   0 0 41,862
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 302 6,000 SH   SOLE   0 0 6,000
WISDOMTREE TR YIELD ENHANCED 97717Y808 1,784 36,801 SH   SOLE   0 0 36,801
CHUBB LIMITED COM H1467J104 302 1,414 SH   SOLE   0 0 1,414