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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   59,603,793 779,542 SH   SOLE   0 0 779,542
ISHARES TR 1 3 YR TREAS BD 464287457   55,076,381 668,565 SH   SOLE   0 0 668,565
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   53,796,267 773,046 SH   SOLE   0 0 773,046
ISHARES TR MSCI USA QLT FCT 46432F339   48,545,821 393,498 SH   SOLE   0 0 393,498
ISHARES TR MSCI USA MIN VOL 46429B697   37,317,117 509,240 SH   SOLE   0 0 509,240
ISHARES TR MSCI USA MMENTM 46432F396   26,816,699 188,492 SH   SOLE   0 0 188,492
PACER FDS TR US CASH COWS 100 69374H881   22,861,410 484,044 SH   SOLE   0 0 484,044
ISHARES TR INTERNATIONAL SL 46434V266   18,241,334 591,771 SH   SOLE   0 0 591,771
VANGUARD INDEX FDS SMALL CP ETF 922908751   16,881,116 91,378 SH   SOLE   0 0 91,378
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   15,352,057 347,961 SH   SOLE   0 0 347,961
ISHARES TR US TREAS BD ETF 46429B267   14,354,461 608,498 SH   SOLE   0 0 608,498
ISHARES INC MSCI EMERG MRKT 464286533   13,842,308 252,735 SH   SOLE   0 0 252,735
AMERICAN CENTY ETF TR US EQT ETF 025072885   12,679,843 180,728 SH   SOLE   0 0 180,728
ISHARES TR RUSSELL 3000 ETF 464287689   12,444,431 53,268 SH   SOLE   0 0 53,268
AMERICAN CENTY ETF TR US SML CP VALU 025072877   11,716,622 161,944 SH   SOLE   0 0 161,944
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,593,447 244,124 SH   SOLE   0 0 244,124
APPLE INC COM 037833100   10,850,669 66,260 SH   SOLE   0 0 66,260
ISHARES INC EMNG MKTS EQT 46434G889   9,902,960 239,549 SH   SOLE   0 0 239,549
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   9,719,430 236,310 SH   SOLE   0 0 236,310
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   7,503,559 118,615 SH   SOLE   0 0 118,615
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   6,398,449 114,626 SH   SOLE   0 0 114,626
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,503,329 14,694 SH   SOLE   0 0 14,694
PIMCO ETF TR ACTIVE BD ETF 72201R775   5,054,492 54,134 SH   SOLE   0 0 54,134
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   4,812,924 72,007 SH   SOLE   0 0 72,007
VANGUARD INDEX FDS VALUE ETF 922908744   4,804,767 34,609 SH   SOLE   0 0 34,609
ISHARES TR ISHS 1-5YR INVS 464288646   4,236,138 83,586 SH   SOLE   0 0 83,586
ISHARES TR CORE MSCI TOTAL 46432F834   4,204,968 67,932 SH   SOLE   0 0 67,932
ISHARES TR CORE S&P SCP ETF 464287804   3,966,030 42,129 SH   SOLE   0 0 42,129
ISHARES TR CORE S&P500 ETF 464287200   3,727,314 9,103 SH   SOLE   0 0 9,103
ISHARES INC ESG AWR MSCI EM 46434G863   3,528,687 112,954 SH   SOLE   0 0 112,954
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   3,326,169 70,246 SH   SOLE   0 0 70,246
GENERAL MLS INC COM 370334104   2,491,831 28,622 SH   SOLE   0 0 28,622
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   2,470,771 106,545 SH   SOLE   0 0 106,545
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,230,824 5,473 SH   SOLE   0 0 5,473
ISHARES TR USD INV GRDE ETF 464288620   2,071,256 40,581 SH   SOLE   0 0 40,581
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,916,658 6,175 SH   SOLE   0 0 6,175
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,830,712 52,486 SH   SOLE   0 0 52,486
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,509,839 37,033 SH   SOLE   0 0 37,033
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,398,612 27,822 SH   SOLE   0 0 27,822
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,380,560 29,349 SH   SOLE   0 0 29,349
ISHARES TR MSCI INTL VLU FT 46435G409   1,003,173 40,361 SH   SOLE   0 0 40,361
FISERV INC COM 337738108   973,426 8,665 SH   SOLE   0 0 8,665
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   949,556 22,512 SH   SOLE   0 0 22,512
VANGUARD STAR FDS VG TL INTL STK F 921909768   816,039 14,786 SH   SOLE   0 0 14,786
MICROSOFT CORP COM 594918104   718,195 2,526 SH   SOLE   0 0 2,526
COCA COLA CO COM 191216100   682,699 10,871 SH   SOLE   0 0 10,871
INVESCO QQQ TR UNIT SER 1 46090E103   647,214 2,049 SH   SOLE   0 0 2,049
ISHARES TR CORE US AGGBD ET 464287226   640,979 6,376 SH   SOLE   0 0 6,376
ISHARES TR CORE MSCI EAFE 46432F842   603,037 9,014 SH   SOLE   0 0 9,014
ISHARES TR CORE S&P MCP ETF 464287507   590,996 2,421 SH   SOLE   0 0 2,421
ISHARES TR 3 7 YR TREAS BD 464288661   553,502 4,665 SH   SOLE   0 0 4,665
ALPHABET INC CAP STK CL C 02079K107   510,057 4,860 SH   SOLE   0 0 4,860
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   497,116 11,003 SH   SOLE   0 0 11,003
ISHARES TR CORE S&P TTL STK 464287150   477,500 5,315 SH   SOLE   0 0 5,315
ISHARES TR FALN ANGLS USD 46435G474   462,980 18,497 SH   SOLE   0 0 18,497
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   458,657 5,605 SH   SOLE   0 0 5,605
ISHARES TR GLOBAL TECH ETF 464287291   450,585 8,449 SH   SOLE   0 0 8,449
ISHARES TR MSCI EMG MKT ETF 464287234   437,297 11,147 SH   SOLE   0 0 11,147
HOME DEPOT INC COM 437076102   386,252 1,338 SH   SOLE   0 0 1,338
AMGEN INC COM 031162100   353,833 1,397 SH   SOLE   0 0 1,397
ROYAL BK CDA SUSTAINABL COM 780087102   350,282 3,616 SH   SOLE   0 0 3,616
ISHARES INC CORE MSCI EMKT 46434G103   349,317 7,195 SH   SOLE   0 0 7,195
ALPHABET INC CAP STK CL A 02079K305   335,662 3,213 SH   SOLE   0 0 3,213
ISHARES TR EAFE VALUE ETF 464288877   333,206 6,835 SH   SOLE   0 0 6,835
ISHARES TR CORE TOTAL USD 46434V613   326,033 7,019 SH   SOLE   0 0 7,019
ORACLE CORP COM 68389X105   315,241 3,322 SH   SOLE   0 0 3,322
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   311,842 15,094 SH   SOLE   0 0 15,094
ISHARES TR EAFE GRWTH ETF 464288885   308,412 3,301 SH   SOLE   0 0 3,301
ISHARES TR MSCI USA SMCP MN 46435G433   305,521 8,848 SH   SOLE   0 0 8,848
SPDR SER TR S&P 600 SMCP VAL 78464A300   300,045 4,047 SH   SOLE   0 0 4,047
ADOBE SYSTEMS INCORPORATED COM 00724F101   279,257 731 SH   SOLE   0 0 731
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   279,079 992 SH   SOLE   0 0 992
AMAZON COM INC COM 023135106   276,509 2,735 SH   SOLE   0 0 2,735
NOVO-NORDISK A S ADR 670100205   273,641 1,733 SH   SOLE   0 0 1,733
VIZIO HLDG CORP CL A COM 92858V101   264,300 30,000 SH   SOLE   0 0 30,000
VANGUARD INDEX FDS MID CAP ETF 922908629   262,983 1,271 SH   SOLE   0 0 1,271
INTUIT COM 461202103   260,890 594 SH   SOLE   0 0 594
WELLS FARGO CO NEW COM 949746101   250,704 6,796 SH   SOLE   0 0 6,796
ELEVANCE HEALTH INC COM 036752103   239,437 494 SH   SOLE   0 0 494
LILLY ELI & CO COM 532457108   237,267 655 SH   SOLE   0 0 655
SEMPRA COM 816851109   231,854 1,514 SH   SOLE   0 0 1,514
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   224,930 4,206 SH   SOLE   0 0 4,206
WP CAREY INC COM 92936U109   223,410 3,000 SH   SOLE   0 0 3,000
JPMORGAN CHASE & CO COM 46625H100   217,824 1,707 SH   SOLE   0 0 1,707
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   216,931 2,405 SH   SOLE   0 0 2,405
ISHARES TR EAFE SML CP ETF 464288273   214,361 3,632 SH   SOLE   0 0 3,632
ISHARES TR S&P 500 GRWT ETF 464287309   212,776 3,334 SH   SOLE   0 0 3,334
BIOGEN INC COM 09062X103   211,573 745 SH   SOLE   0 0 745
SELECT SECTOR SPDR TR ENERGY 81369Y506   205,370 2,380 SH   SOLE   0 0 2,380
NOKIA CORP SPONSORED ADR 654902204   59,006 12,042 SH   SOLE   0 0 12,042
TELEFONICA S A SPONSORED ADR 879382208   44,620 10,141 SH   SOLE   0 0 10,141
NOMURA HLDGS INC SPONSORED ADR 65535H208   40,322 10,639 SH   SOLE   0 0 10,639