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
ABBOTT LABS COM 002824100 BBG001S5N9M6 298,848 2,722 SH   SOLE   0 0 2,722
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 423,326 2,619 SH   SOLE   0 0 2,619
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 474,046 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,464,883 16,603 SH   SOLE   0 0 16,603
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 571,776 6,444 SH   SOLE   0 0 6,444
AMAZON COM INC COM 023135106 BBG001S5PQL7 732,480 8,720 SH   SOLE   0 0 8,720
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 836,216 8,807 SH   SOLE   0 0 8,807
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 636,291 3,003 SH   SOLE   0 0 3,003
AMGEN INC COM 031162100 BBG001S5NNL6 6,277,968 23,903 SH   SOLE   0 0 23,903
APPLE INC COM 037833100 BBG001S5N8V8 15,594,047 120,019 SH   SOLE   0 0 120,019
AUTODESK INC COM 052769106 BBG001S5SCD4 371,124 1,986 SH   SOLE   0 0 1,986
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 780,990 23,581 SH   SOLE   0 0 23,581
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 434,931 1,408 SH   SOLE   0 0 1,408
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,172,916 1,655 SH   SOLE   0 0 1,655
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 687,210 341 SH   SOLE   0 0 341
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 675,912 14,608 SH   SOLE   0 0 14,608
BROADCOM INC COM 11135F101 BBG00KHY5SY8 859,377 1,537 SH   SOLE   0 0 1,537
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 607,646 6,537 SH   SOLE   0 0 6,537
CIGNA CORP NEW COM 125523100 BBG00KXRCDQ9 1,562,507 4,716 SH   SOLE   0 0 4,716
CISCO SYS INC COM 17275R102 BBG001S6HC62 723,046 15,177 SH   SOLE   0 0 15,177
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,427,775 22,446 SH   SOLE   0 0 22,446
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 1,042,752 8,837 SH   SOLE   0 0 8,837
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 489,120 2,111 SH   SOLE   0 0 2,111
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 297,773 652 SH   SOLE   0 0 652
CSX CORP COM 126408103 BBG001S5Q7Q3 828,429 26,741 SH   SOLE   0 0 26,741
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 884,351 9,490 SH   SOLE   0 0 9,490
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 552,344 16,809 SH   SOLE   0 0 16,809
DISNEY WALT CO COM 254687106 BBG001S5QHF3 538,970 6,204 SH   SOLE   0 0 6,204
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 964,673 3,917 SH   SOLE   0 0 3,917
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 253,519 2,298 SH   SOLE   0 0 2,298
FEDEX CORP COM 31428X106 BBG001S5R3M5 404,512 2,336 SH   SOLE   0 0 2,336
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 17,139,474 380,708 SH   SOLE   0 0 380,708
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQ 33740F755 BBG00VC9SZ91 1,544,994 69,563 SH   SOLE   0 0 69,563
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 693,125 16,527 SH   SOLE   0 0 16,527
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,809,612 294,677 SH   SOLE   0 0 294,677
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 BBG00MVW9603 11,933 75,000 SH Call SOLE   0 0 75,000
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 856,536 2,494 SH   SOLE   0 0 2,494
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,179,609 5,504 SH   SOLE   0 0 5,504
HYRECAR INC COM 44916T107 BBG00L07HMZ2 6,486 15,298 SH   SOLE   0 0 15,298
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 477,630 1,800 SH   SOLE   0 0 1,800
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 6,537,720 80,544 SH   SOLE   0 0 80,544
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 6,023,009 107,343 SH   SOLE   0 0 107,343
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 818,578 13,280 SH   SOLE   0 0 13,280
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 206,566 854 SH   SOLE   0 0 854
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 10,155,190 107,303 SH   SOLE   0 0 107,303
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 252,042 656 SH   SOLE   0 0 656
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 263,231 2,714 SH   SOLE   0 0 2,714
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 858,319 17,357 SH   SOLE   0 0 17,357
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 555,882 6,637 SH   SOLE   0 0 6,637
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,716,766 30,396 SH   SOLE   0 0 30,396
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 963,039 20,990 SH   SOLE   0 0 20,990
ISHARES TR INTL DIV GRWTH 46435G524 BBG00CX80QM7 1,928,574 33,465 SH   SOLE   0 0 33,465
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 4,183,455 28,668 SH   SOLE   0 0 28,668
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,071,450 10,154 SH   SOLE   0 0 10,154
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 855,466 8,121 SH   SOLE   0 0 8,121
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 603,460 3,461 SH   SOLE   0 0 3,461
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 242,442 4,144 SH   SOLE   0 0 4,144
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 621,281 4,283 SH   SOLE   0 0 4,283
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 387,884 3,720 SH   SOLE   0 0 3,720
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 282,884 5,643 SH   SOLE   0 0 5,643
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 968,895 15,139 SH   SOLE   0 0 15,139
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,191,757 8,887 SH   SOLE   0 0 8,887
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 688,338 2,774 SH   SOLE   0 0 2,774
LILLY ELI & CO COM 532457108 BBG001S5STL8 756,191 2,067 SH   SOLE   0 0 2,067
LINDE PLC SHS G5494J103 BBG00GVR8YR8 867,714 2,660 SH   SOLE   0 0 2,660
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 376,057 773 SH   SOLE   0 0 773
LOWES COS INC COM 548661107 BBG001S5SVL3 222,551 1,117 SH   SOLE   0 0 1,117
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 285,834 822 SH   SOLE   0 0 822
MCDONALDS CORP COM 580135101 BBG001S5T110 229,535 871 SH   SOLE   0 0 871
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,546,275 4,122 SH   SOLE   0 0 4,122
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,508,773 13,599 SH   SOLE   0 0 13,599
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 663,434 5,513 SH   SOLE   0 0 5,513
METLIFE INC COM 59156R108 BBG001S5T3R8 740,001 10,225 SH   SOLE   0 0 10,225
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,532,194 6,389 SH   SOLE   0 0 6,389
NETFLIX INC COM 64110L106 BBG001SF6L46 887,294 3,009 SH   SOLE   0 0 3,009
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 371,769 4,447 SH   SOLE   0 0 4,447
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,454,559 9,953 SH   SOLE   0 0 9,953
ORACLE CORP COM 68389X105 BBG001S5SJG6 342,082 4,185 SH   SOLE   0 0 4,185
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 698,607 5,007 SH   SOLE   0 0 5,007
PAYCHEX INC COM 704326107 BBG001S5V135 416,982 3,608 SH   SOLE   0 0 3,608
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 457,517 6,424 SH   SOLE   0 0 6,424
PFIZER INC COM 717081103 BBG001S5V466 1,516,188 29,590 SH   SOLE   0 0 29,590
PHILLIPS 66 COM 718546104 BBG00286S4P7 739,325 7,103 SH   SOLE   0 0 7,103
PIMCO ETF TR ACTIVE BD ETF 72201R775 BBG002N12C17 317,132 3,505 SH   SOLE   0 0 3,505
PLANET LABS PBC COM CL A 72703X106 BBG00ZCV3Q27 48,581 11,168 SH   SOLE   0 0 11,168
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,453,235 9,589 SH   SOLE   0 0 9,589
RESEARCH SOLUTIONS INC COM 761025105 BBG001T30MS0 99,940 52,052 SH   SOLE   0 0 52,052
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 426,400 1,655 SH   SOLE   0 0 1,655
SALESFORCE INC COM 79466L302 BBG001SDLP09 845,394 6,376 SH   SOLE   0 0 6,376
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 687,423 8,256 SH   SOLE   0 0 8,256
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 11,023,274 212,846 SH   SOLE   0 0 212,846
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 1,114,570 19,547 SH   SOLE   0 0 19,547
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 661,986 1,731 SH   SOLE   0 0 1,731
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 949,276 10,378 SH   SOLE   0 0 10,378
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 7,680,801 298,168 SH   SOLE   0 0 298,168
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,240,444 33,553 SH   SOLE   0 0 33,553
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 13,182,499 260,164 SH   SOLE   0 0 260,164
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 13,248,781 340,673 SH   SOLE   0 0 340,673
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,595,312 22,084 SH   SOLE   0 0 22,084
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,922,649 25,905 SH   SOLE   0 0 25,905
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 1,350,077 33,009 SH   SOLE   0 0 33,009
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 BBG0084H8485 552,752 13,805 SH   SOLE   0 0 13,805
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,253,869 12,640 SH   SOLE   0 0 12,640
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 893,846 7,786 SH   SOLE   0 0 7,786
TESLA INC COM 88160R101 BBG001SQKGD7 304,501 2,472 SH   SOLE   0 0 2,472
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 1,026,270 1,864 SH   SOLE   0 0 1,864
TJX COS INC NEW COM 872540109 BBG001S5WQ93 989,618 12,432 SH   SOLE   0 0 12,432
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 555,658 22,469 SH   SOLE   0 0 22,469
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,035,644 5,001 SH   SOLE   0 0 5,001
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,986,089 26,383 SH   SOLE   0 0 26,383
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 1,868,223 38,127 SH   SOLE   0 0 38,127
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,309,240 6,143 SH   SOLE   0 0 6,143
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,943,090 29,156 SH   SOLE   0 0 29,156
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 10,692,090 129,633 SH   SOLE   0 0 129,633
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 572,569 4,079 SH   SOLE   0 0 4,079
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 579,819 11,564 SH   SOLE   0 0 11,564
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,202,984 56,516 SH   SOLE   0 0 56,516
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 4,098,348 79,241 SH   SOLE   0 0 79,241
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 428,220 10,203 SH   SOLE   0 0 10,203
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 10,383,771 149,128 SH   SOLE   0 0 149,128
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 246,804 6,264 SH   SOLE   0 0 6,264
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,333,715 11,233 SH   SOLE   0 0 11,233
WALMART INC COM 931142103 BBG001S5XH92 1,358,656 9,582 SH   SOLE   0 0 9,582
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 217,436 1,386 SH   SOLE   0 0 1,386
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 840,617 10,193 SH   SOLE   0 0 10,193
ZOETIS INC CL A 98978V103 BBG0039320P7 443,021 3,023 SH   SOLE   0 0 3,023