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
ABBOTT LABS COM 002824100 312 2,672 SH   SOLE   0 0 2,672
ABBVIE INC COM 00287Y109 415 2,635 SH   SOLE   0 0 2,635
ALLEGHANY CORP MD COM 017175100 370 443 SH   SOLE   0 0 443
ALLOGENE THERAPEUTICS INC COM 019770106 623 74,271 SH   SOLE   0 0 74,271
ALPHABET INC CAP STK CL A 02079K305 2,000 875 SH   SOLE   0 0 875
ALPHABET INC CAP STK CL C 02079K107 757 329 SH   SOLE   0 0 329
AMAZON COM INC COM 023135106 1,628 589 SH   SOLE   0 0 589
AMERICAN ELEC PWR CO INC COM 025537101 900 9,038 SH   SOLE   0 0 9,038
AMERICAN TOWER CORP NEW COM 03027X100 751 2,971 SH   SOLE   0 0 2,971
AMGEN INC COM 031162100 5,947 23,903 SH   SOLE   0 0 23,903
APPLE INC COM 037833100 18,858 120,447 SH   SOLE   0 0 120,447
AUTODESK INC COM 052769106 408 2,263 SH   SOLE   0 0 2,263
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 451 1,368 SH   SOLE   0 0 1,368
BK OF AMERICA CORP COM 060505104 809 22,315 SH   SOLE   0 0 22,315
BLACKROCK INC COM 09247X101 1,037 1,613 SH   SOLE   0 0 1,613
BOOKING HOLDINGS INC COM 09857L108 709 314 SH   SOLE   0 0 314
BOSTON SCIENTIFIC CORP COM 101137107 638 14,818 SH   SOLE   0 0 14,818
BROADCOM INC COM 11135F101 783 1,400 SH   SOLE   0 0 1,400
CAPITAL ONE FINL CORP COM 14040H105 836 6,721 SH   SOLE   0 0 6,721
CIGNA CORP NEW COM 125523100 1,320 5,262 SH   SOLE   0 0 5,262
CISCO SYS INC COM 17275R102 748 15,177 SH   SOLE   0 0 15,177
COCA COLA CO COM 191216100 1,515 23,110 SH   SOLE   0 0 23,110
CONOCOPHILLIPS COM 20825C104 955 10,264 SH   SOLE   0 0 10,264
CONSTELLATION BRANDS INC CL A 21036P108 554 2,221 SH   SOLE   0 0 2,221
COSTCO WHSL CORP NEW COM 22160K105 364 657 SH   SOLE   0 0 657
CSX CORP COM 126408103 920 26,692 SH   SOLE   0 0 26,692
CVS HEALTH CORP COM 126650100 976 9,678 SH   SOLE   0 0 9,678
DELTA AIR LINES INC DEL COM NEW 247361702 623 14,461 SH   SOLE   0 0 14,461
DISNEY WALT CO COM 254687106 689 5,984 SH   SOLE   0 0 5,984
DOLLAR GEN CORP NEW COM 256677105 974 4,000 SH   SOLE   0 0 4,000
FEDEX CORP COM 31428X106 524 2,629 SH   SOLE   0 0 2,629
FIRSTENERGY CORP COM 337932107 675 15,082 SH   SOLE   0 0 15,082
FLEXSHARES TR MORNSTAR UPSTR 33939L407 12,308 275,470 SH   SOLE   0 0 275,470
GENERAL ELECTRIC CO COM NEW 369604301 200 2,553 SH   SOLE   0 0 2,553
GOLDMAN SACHS GROUP INC COM 38141G104 746 2,383 SH   SOLE   0 0 2,383
HONEYWELL INTL INC COM 438516106 1,012 5,433 SH   SOLE   0 0 5,433
HYRECAR INC COM 44916T107 22 15,298 SH   SOLE   0 0 15,298
INTUITIVE SURGICAL INC COM NEW 46120E602 424 1,800 SH   SOLE   0 0 1,800
ISHARES TR CORE MSCI EAFE 46432F842 1,405 21,729 SH   SOLE   0 0 21,729
ISHARES TR CORE S&P MCP ETF 464287507 384 1,525 SH   SOLE   0 0 1,525
ISHARES TR CORE S&P SCP ETF 464287804 10,943 109,306 SH   SOLE   0 0 109,306
ISHARES TR CORE S&P500 ETF 464287200 321 767 SH   SOLE   0 0 767
ISHARES TR CORE US AGGBD ET 464287226 553 5,343 SH   SOLE   0 0 5,343
ISHARES TR CRE U S REIT ETF 464288521 967 15,151 SH   SOLE   0 0 15,151
ISHARES TR EAFE VALUE ETF 464288877 321 6,756 SH   SOLE   0 0 6,756
ISHARES TR JPMORGAN USD EMG 464288281 10,879 117,892 SH   SOLE   0 0 117,892
ISHARES TR MSCI USA MMENTM 46432F396 4,430 29,818 SH   SOLE   0 0 29,818
ISHARES TR RUS 1000 VAL ETF 464287598 486 3,063 SH   SOLE   0 0 3,063
ISHARES TR RUSSELL 2000 ETF 464287655 672 3,594 SH   SOLE   0 0 3,594
ISHARES TR S&P 500 GRWT ETF 464287309 350 5,189 SH   SOLE   0 0 5,189
ISHARES TR S&P 500 VAL ETF 464287408 1,060 7,057 SH   SOLE   0 0 7,057
ISHARES TR SHRT NAT MUN ETF 464288158 6,321 60,959 SH   SOLE   0 0 60,959
ISHARES TR SP SMCP600VL ETF 464287879 216 2,241 SH   SOLE   0 0 2,241
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 977 19,437 SH   SOLE   0 0 19,437
JOHNSON CTLS INTL PLC SHS G51502105 880 14,456 SH   SOLE   0 0 14,456
JPMORGAN CHASE & CO COM 46625H100 1,028 8,470 SH   SOLE   0 0 8,470
LAUDER ESTEE COS INC CL A 518439104 702 2,702 SH   SOLE   0 0 2,702
LILLY ELI & CO COM 532457108 597 2,094 SH   SOLE   0 0 2,094
LINDE PLC SHS G5494J103 787 2,563 SH   SOLE   0 0 2,563
LOCKHEED MARTIN CORP COM 539830109 490 1,101 SH   SOLE   0 0 1,101
LOWES COS INC COM 548661107 296 1,484 SH   SOLE   0 0 1,484
MASTERCARD INCORPORATED CL A 57636Q104 321 888 SH   SOLE   0 0 888
MCDONALDS CORP COM 580135101 263 1,066 SH   SOLE   0 0 1,066
MCKESSON CORP COM 58155Q103 1,514 4,764 SH   SOLE   0 0 4,764
MERCK & CO INC COM 58933Y105 1,234 14,619 SH   SOLE   0 0 14,619
META PLATFORMS INC CL A 30303M102 1,350 7,717 SH   SOLE   0 0 7,717
METLIFE INC COM 59156R108 723 10,811 SH   SOLE   0 0 10,811
MICROSOFT CORP COM 594918104 1,799 6,351 SH   SOLE   0 0 6,351
NETFLIX INC COM 64110L106 334 1,774 SH   SOLE   0 0 1,774
NEXTERA ENERGY INC COM 65339F101 326 4,447 SH   SOLE   0 0 4,447
NVIDIA CORPORATION COM 67066G104 1,653 8,977 SH   SOLE   0 0 8,977
ORACLE CORP COM 68389X105 336 4,490 SH   SOLE   0 0 4,490
PALO ALTO NETWORKS INC COM 697435105 1,057 1,826 SH   SOLE   0 0 1,826
PAYCHEX INC COM 704326107 517 3,954 SH   SOLE   0 0 3,954
PAYCOM SOFTWARE INC COM 70432V102 327 1,160 SH   SOLE   0 0 1,160
PAYPAL HLDGS INC COM 70450Y103 621 7,512 SH   SOLE   0 0 7,512
PFIZER INC COM 717081103 1,524 30,632 SH   SOLE   0 0 30,632
PHILLIPS 66 COM 718546104 622 7,490 SH   SOLE   0 0 7,490
PIMCO ETF TR ACTIVE BD ETF 72201R775 6,450 65,525 SH   SOLE   0 0 65,525
PLANET LABS PBC COM CL A 72703X106 57 11,168 SH   SOLE   0 0 11,168
PROCTER AND GAMBLE CO COM 742718109 1,551 9,732 SH   SOLE   0 0 9,732
RESEARCH SOLUTIONS INC COM 761025105 93 47,800 SH   SOLE   0 0 47,800
ROCKWELL AUTOMATION INC COM 773903109 423 1,648 SH   SOLE   0 0 1,648
SALESFORCE COM INC COM 79466L302 1,355 7,755 SH   SOLE   0 0 7,755
SCHWAB CHARLES CORP COM 808513105 531 7,740 SH   SOLE   0 0 7,740
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,491 278,002 SH   SOLE   0 0 278,002
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,007 33,648 SH   SOLE   0 0 33,648
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,151 2,759 SH   SOLE   0 0 2,759
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 530 5,792 SH   SOLE   0 0 5,792
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,452 83,341 SH   SOLE   0 0 83,341
SPDR SER TR PRTFLO S&P500 GW 78464A409 11,235 192,150 SH   SOLE   0 0 192,150
SPDR SER TR PRTFLO S&P500 VL 78464A508 13,465 334,113 SH   SOLE   0 0 334,113
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,596 20,933 SH   SOLE   0 0 20,933
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,210 28,121 SH   SOLE   0 0 28,121
STARBUCKS CORP COM 855244109 851 11,386 SH   SOLE   0 0 11,386
SYSCO CORP COM 871829107 209 2,383 SH   SOLE   0 0 2,383
TARGET CORP COM 87612E106 223 964 SH   SOLE   0 0 964
TE CONNECTIVITY LTD SHS H84989104 1,029 8,222 SH   SOLE   0 0 8,222
TESLA INC COM 88160R101 603 684 SH   SOLE   0 0 684
THERMO FISHER SCIENTIFIC INC COM 883556102 977 1,878 SH   SOLE   0 0 1,878
UBER TECHNOLOGIES INC COM 90353T100 839 27,351 SH   SOLE   0 0 27,351
UNION PAC CORP COM 907818108 1,252 5,288 SH   SOLE   0 0 5,288
UPSTART HLDGS INC COM 91680M107 527 7,329 SH   SOLE   0 0 7,329
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,662 34,436 SH   SOLE   0 0 34,436
VANGUARD INDEX FDS GROWTH ETF 922908736 1,341 5,295 SH   SOLE   0 0 5,295
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,211 29,084 SH   SOLE   0 0 29,084
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,312 115,102 SH   SOLE   0 0 115,102
VANGUARD INDEX FDS VALUE ETF 922908744 551 3,857 SH   SOLE   0 0 3,857
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,399 32,658 SH   SOLE   0 0 32,658
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,976 71,581 SH   SOLE   0 0 71,581
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 652 14,610 SH   SOLE   0 0 14,610
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 11,318 152,129 SH   SOLE   0 0 152,129
VERIZON COMMUNICATIONS INC COM 92343V104 1,162 23,970 SH   SOLE   0 0 23,970
VISA INC COM CL A 92826C839 2,376 11,099 SH   SOLE   0 0 11,099
WALMART INC COM 931142103 1,483 9,616 SH   SOLE   0 0 9,616
WASTE MGMT INC DEL COM 94106L109 395 2,361 SH   SOLE   0 0 2,361
WILLIAMS SONOMA INC COM 969904101 245 1,818 SH   SOLE   0 0 1,818
WYNN RESORTS LTD COM 983134107 581 8,552 SH   SOLE   0 0 8,552
ZOETIS INC CL A 98978V103 908 5,090 SH   SOLE   0 0 5,090