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 290 2,672 SH   SOLE   0 0 2,672
ABBVIE INC COM 00287Y109 404 2,635 SH   SOLE   0 0 2,635
ALLOGENE THERAPEUTICS INC COM 019770106 859 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 1,826 838 SH   SOLE   0 0 838
ALPHABET INC CAP STK CL C 02079K107 742 339 SH   SOLE   0 0 339
AMAZON COM INC COM 023135106 1,181 11,118 SH   SOLE   0 0 11,118
AMERICAN ELEC PWR CO INC COM 025537101 851 8,872 SH   SOLE   0 0 8,872
AMERICAN TOWER CORP NEW COM 03027X100 755 2,952 SH   SOLE   0 0 2,952
AMGEN INC COM 031162100 5,816 23,903 SH   SOLE   0 0 23,903
APPLE INC COM 037833100 16,427 120,154 SH   SOLE   0 0 120,154
AUTODESK INC COM 052769106 378 2,197 SH   SOLE   0 0 2,197
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 384 1,408 SH   SOLE   0 0 1,408
BK OF AMERICA CORP COM 060505104 699 22,465 SH   SOLE   0 0 22,465
BLACKROCK INC COM 09247X101 986 1,620 SH   SOLE   0 0 1,620
BOOKING HOLDINGS INC COM 09857L108 553 316 SH   SOLE   0 0 316
BOSTON SCIENTIFIC CORP COM 101137107 551 14,794 SH   SOLE   0 0 14,794
BROADCOM INC COM 11135F101 672 1,384 SH   SOLE   0 0 1,384
CAPITAL ONE FINL CORP COM 14040H105 697 6,688 SH   SOLE   0 0 6,688
CIGNA CORP NEW COM 125523100 1,364 5,177 SH   SOLE   0 0 5,177
CISCO SYS INC COM 17275R102 633 14,856 SH   SOLE   0 0 14,856
COCA COLA CO COM 191216100 1,438 22,858 SH   SOLE   0 0 22,858
CONOCOPHILLIPS COM 20825C104 886 9,871 SH   SOLE   0 0 9,871
CONSTELLATION BRANDS INC CL A 21036P108 482 2,069 SH   SOLE   0 0 2,069
COSTCO WHSL CORP NEW COM 22160K105 317 662 SH   SOLE   0 0 662
CSX CORP COM 126408103 776 26,701 SH   SOLE   0 0 26,701
CVS HEALTH CORP COM 126650100 887 9,569 SH   SOLE   0 0 9,569
DELTA AIR LINES INC DEL COM NEW 247361702 419 14,453 SH   SOLE   0 0 14,453
DISNEY WALT CO COM 254687106 479 5,074 SH   SOLE   0 0 5,074
DOLLAR GEN CORP NEW COM 256677105 973 3,964 SH   SOLE   0 0 3,964
FEDEX CORP COM 31428X106 573 2,528 SH   SOLE   0 0 2,528
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 15,491 332,919 SH   SOLE   0 0 332,919
FIRSTENERGY CORP COM 337932107 574 14,964 SH   SOLE   0 0 14,964
FLEXSHARES TR MORNSTAR UPSTR 33939L407 11,064 278,890 SH   SOLE   0 0 278,890
GLOBAL X FDS FINTECH ETF 37954Y814 318 14,937 SH   SOLE   0 0 14,937
GOLDMAN SACHS GROUP INC COM 38141G104 710 2,389 SH   SOLE   0 0 2,389
HONEYWELL INTL INC COM 438516106 931 5,358 SH   SOLE   0 0 5,358
HYRECAR INC COM 44916T107 9 15,298 SH   SOLE   0 0 15,298
INTUITIVE SURGICAL INC COM NEW 46120E602 361 1,800 SH   SOLE   0 0 1,800
ISHARES TR CALIF MUN BD ETF 464288356 5,343 94,639 SH   SOLE   0 0 94,639
ISHARES TR CORE MSCI EAFE 46432F842 1,180 20,048 SH   SOLE   0 0 20,048
ISHARES TR CORE S&P MCP ETF 464287507 333 1,472 SH   SOLE   0 0 1,472
ISHARES TR CORE S&P SCP ETF 464287804 9,925 107,404 SH   SOLE   0 0 107,404
ISHARES TR CORE S&P500 ETF 464287200 286 754 SH   SOLE   0 0 754
ISHARES TR CORE US AGGBD ET 464287226 531 5,218 SH   SOLE   0 0 5,218
ISHARES TR CRE U S REIT ETF 464288521 686 12,853 SH   SOLE   0 0 12,853
ISHARES TR EAFE GRWTH ETF 464288885 275 3,420 SH   SOLE   0 0 3,420
ISHARES TR EAFE SML CP ETF 464288273 553 10,124 SH   SOLE   0 0 10,124
ISHARES TR EAFE VALUE ETF 464288877 273 6,280 SH   SOLE   0 0 6,280
ISHARES TR JPMORGAN USD EMG 464288281 9,202 107,849 SH   SOLE   0 0 107,849
ISHARES TR MSCI USA MMENTM 46432F396 4,026 29,525 SH   SOLE   0 0 29,525
ISHARES TR RUS 1000 VAL ETF 464287598 444 3,063 SH   SOLE   0 0 3,063
ISHARES TR RUSSELL 2000 ETF 464287655 611 3,607 SH   SOLE   0 0 3,607
ISHARES TR S&P 500 GRWT ETF 464287309 261 4,330 SH   SOLE   0 0 4,330
ISHARES TR S&P 500 VAL ETF 464287408 989 7,197 SH   SOLE   0 0 7,197
ISHARES TR SHRT NAT MUN ETF 464288158 261 2,491 SH   SOLE   0 0 2,491
ISHARES TR SP SMCP600VL ETF 464287879 200 2,242 SH   SOLE   0 0 2,242
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 805 16,066 SH   SOLE   0 0 16,066
JOHNSON CTLS INTL PLC SHS G51502105 686 14,318 SH   SOLE   0 0 14,318
JPMORGAN CHASE & CO COM 46625H100 954 8,472 SH   SOLE   0 0 8,472
LAS VEGAS SANDS CORP COM 517834107 268 7,965 SH   SOLE   0 0 7,965
LAUDER ESTEE COS INC CL A 518439104 680 2,671 SH   SOLE   0 0 2,671
LILLY ELI & CO COM 532457108 670 2,067 SH   SOLE   0 0 2,067
LINDE PLC SHS G5494J103 728 2,530 SH   SOLE   0 0 2,530
LOCKHEED MARTIN CORP COM 539830109 345 802 SH   SOLE   0 0 802
LOWES COS INC COM 548661107 240 1,376 SH   SOLE   0 0 1,376
MASTERCARD INCORPORATED CL A 57636Q104 280 888 SH   SOLE   0 0 888
MCDONALDS CORP COM 580135101 248 1,005 SH   SOLE   0 0 1,005
MCKESSON CORP COM 58155Q103 1,514 4,640 SH   SOLE   0 0 4,640
MERCK & CO INC COM 58933Y105 1,300 14,256 SH   SOLE   0 0 14,256
META PLATFORMS INC CL A 30303M102 1,151 7,139 SH   SOLE   0 0 7,139
METLIFE INC COM 59156R108 676 10,771 SH   SOLE   0 0 10,771
MICROSOFT CORP COM 594918104 1,638 6,378 SH   SOLE   0 0 6,378
NETFLIX INC COM 64110L106 235 1,343 SH   SOLE   0 0 1,343
NEXTERA ENERGY INC COM 65339F101 344 4,447 SH   SOLE   0 0 4,447
NVIDIA CORPORATION COM 67066G104 1,243 8,200 SH   SOLE   0 0 8,200
ORACLE CORP COM 68389X105 314 4,490 SH   SOLE   0 0 4,490
PALO ALTO NETWORKS INC COM 697435105 892 1,807 SH   SOLE   0 0 1,807
PAYCHEX INC COM 704326107 431 3,788 SH   SOLE   0 0 3,788
PAYCOM SOFTWARE INC COM 70432V102 255 911 SH   SOLE   0 0 911
PAYPAL HLDGS INC COM 70450Y103 373 5,338 SH   SOLE   0 0 5,338
PFIZER INC COM 717081103 1,582 30,170 SH   SOLE   0 0 30,170
PHILLIPS 66 COM 718546104 597 7,281 SH   SOLE   0 0 7,281
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,836 19,274 SH   SOLE   0 0 19,274
PLANET LABS PBC COM CL A 72703X106 48 11,168 SH   SOLE   0 0 11,168
PROCTER AND GAMBLE CO COM 742718109 1,386 9,639 SH   SOLE   0 0 9,639
RESEARCH SOLUTIONS INC COM 761025105 78 43,800 SH   SOLE   0 0 43,800
ROCKWELL AUTOMATION INC COM 773903109 328 1,648 SH   SOLE   0 0 1,648
SALESFORCE INC COM 79466L302 1,154 6,994 SH   SOLE   0 0 6,994
SCHWAB CHARLES CORP COM 808513105 491 7,769 SH   SOLE   0 0 7,769
SCHWAB STRATEGIC TR US TIPS ETF 808524870 18,774 336,460 SH   SOLE   0 0 336,460
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,639 31,474 SH   SOLE   0 0 31,474
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,049 2,780 SH   SOLE   0 0 2,780
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 530 5,792 SH   SOLE   0 0 5,792
SPDR SER TR PORTFLI TIPS ETF 78464A656 239 8,673 SH   SOLE   0 0 8,673
SPDR SER TR PORTFOLIO S&P600 78468R853 464 12,909 SH   SOLE   0 0 12,909
SPDR SER TR PRTFLO S&P500 GW 78464A409 11,702 223,836 SH   SOLE   0 0 223,836
SPDR SER TR PRTFLO S&P500 VL 78464A508 12,301 334,098 SH   SOLE   0 0 334,098
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,501 21,294 SH   SOLE   0 0 21,294
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,026 27,978 SH   SOLE   0 0 27,978
STARBUCKS CORP COM 855244109 806 10,550 SH   SOLE   0 0 10,550
TE CONNECTIVITY LTD SHS H84989104 921 8,136 SH   SOLE   0 0 8,136
TESLA INC COM 88160R101 482 716 SH   SOLE   0 0 716
THERMO FISHER SCIENTIFIC INC COM 883556102 1,009 1,858 SH   SOLE   0 0 1,858
UBER TECHNOLOGIES INC COM 90353T100 401 19,599 SH   SOLE   0 0 19,599
UNION PAC CORP COM 907818108 1,127 5,282 SH   SOLE   0 0 5,282
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,390 31,128 SH   SOLE   0 0 31,128
VANGUARD INDEX FDS GROWTH ETF 922908736 914 4,099 SH   SOLE   0 0 4,099
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,882 29,971 SH   SOLE   0 0 29,971
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,029 121,052 SH   SOLE   0 0 121,052
VANGUARD INDEX FDS VALUE ETF 922908744 478 3,626 SH   SOLE   0 0 3,626
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,798 43,178 SH   SOLE   0 0 43,178
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,401 65,907 SH   SOLE   0 0 65,907
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,800 44,124 SH   SOLE   0 0 44,124
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,000 16,308 SH   SOLE   0 0 16,308
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 9,463 137,923 SH   SOLE   0 0 137,923
VERIZON COMMUNICATIONS INC COM 92343V104 1,203 23,712 SH   SOLE   0 0 23,712
VISA INC COM CL A 92826C839 2,185 11,099 SH   SOLE   0 0 11,099
WALMART INC COM 931142103 1,156 9,511 SH   SOLE   0 0 9,511
WASTE MGMT INC DEL COM 94106L109 251 1,638 SH   SOLE   0 0 1,638
WYNN RESORTS LTD COM 983134107 262 4,594 SH   SOLE   0 0 4,594
ZOETIS INC CL A 98978V103 790 4,597 SH   SOLE   0 0 4,597