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
ABBVIE INC COM 00287Y109   217,993 1,618 SH   SOLE   1,618 0 0
ABRDN ETFS BBRG ALL COMD K1 003261104   583,793 28,958 SH   SOLE   28,958 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   755,490 1,545 SH   SOLE   1,545 0 0
ADVANCED MICRO DEVICES INC COM 007903107   536,402 4,709 SH   SOLE   4,709 0 0
ALPHABET INC CAP STK CL C 02079K107   750,982 6,208 SH   SOLE   6,208 0 0
ALPHABET INC CAP STK CL A 02079K305   308,946 2,581 SH   SOLE   2,581 0 0
AMAZON COM INC COM 023135106   717,371 5,503 SH   SOLE   5,503 0 0
AMERIPRISE FINL INC COM 03076C106   241,812 728 SH   SOLE   728 0 0
AMPHENOL CORP NEW CL A 032095101   333,344 3,924 SH   SOLE   3,924 0 0
ANALOG DEVICES INC COM 032654105   215,460 1,106 SH   SOLE   1,106 0 0
APPLE INC COM 037833100   2,012,756 10,377 SH   SOLE   10,376 0 0
APPLIED MATLS INC COM 038222105   222,158 1,537 SH   SOLE   1,537 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100   112,823 14,483 SH   SOLE   14,483 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   215,569 3,012 SH   SOLE   3,012 0 0
BANK AMERICA CORP COM 060505104   219,754 7,660 SH   SOLE   7,659 0 0
COSTCO WHSL CORP NEW COM 22160K105   437,165 812 SH   SOLE   812 0 0
DANAHER CORPORATION COM 235851102   374,880 1,562 SH   SOLE   1,562 0 0
DBX ETF TR XTRACK USD HIGH 233051432   2,160,809 62,632 SH   SOLE   62,632 0 0
DEXCOM INC COM 252131107   515,068 4,008 SH   SOLE   4,008 0 0
DRAFTKINGS INC NEW COM CL A 26142V105   387,656 14,590 SH   SOLE   14,590 0 0
EXXON MOBIL CORP COM 30231G102   432,293 4,031 SH   SOLE   4,030 0 0
HCA HEALTHCARE INC COM 40412C101   224,272 739 SH   SOLE   739 0 0
INTUIT COM 461202103   360,596 787 SH   SOLE   787 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   400,754 1,172 SH   SOLE   1,172 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   377,441 17,939 SH   SOLE   17,939 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,975,822 13,204 SH   SOLE   13,203 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,120,807 3,034 SH   SOLE   3,033 0 0
ISHARES INC CORE MSCI EMKT 46434G103   3,353,321 68,032 SH   SOLE   68,032 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   620,100 6,324 SH   SOLE   6,324 0 0
ISHARES TR USD INV GRDE ETF 464288620   220,697 4,406 SH   SOLE   4,406 0 0
ISHARES TR CORE MSCI EAFE 46432F842   10,582,700 156,781 SH   SOLE   156,780 0 0
ISHARES TR CORE MSCI INTL 46435G326   3,768,265 61,654 SH   SOLE   61,653 0 0
ISHARES TR JPMORGAN USD EMG 464288281   1,649,623 19,062 SH   SOLE   19,061 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   807,744 10,867 SH   SOLE   10,867 0 0
ISHARES TR NATIONAL MUN ETF 464288414   10,345,994 96,936 SH   SOLE   96,936 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   861,093 3,549 SH   SOLE   3,548 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   1,189,654 8,449 SH   SOLE   8,449 0 0
JOHNSON & JOHNSON COM 478160104   387,482 2,341 SH   SOLE   2,341 0 0
JPMORGAN CHASE & CO COM 46625H100   387,777 2,666 SH   SOLE   2,666 0 0
KIMBERLY-CLARK CORP COM 494368103   337,004 2,441 SH   SOLE   2,441 0 0
LAUDER ESTEE COS INC CL A 518439104   226,623 1,154 SH   SOLE   1,154 0 0
LIGHTWAVE LOGIC INC COM 532275104   73,276 10,513 SH   SOLE   10,513 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   28,305 12,866 SH   SOLE   12,866 0 0
MASTERCARD INCORPORATED CL A 57636Q104   528,595 1,344 SH   SOLE   1,344 0 0
MERCK & CO INC COM 58933Y105   363,594 3,151 SH   SOLE   3,151 0 0
META PLATFORMS INC CL A 30303M102   463,186 1,614 SH   SOLE   1,614 0 0
MICROSOFT CORP COM 594918104   1,450,986 4,261 SH   SOLE   4,260 0 0
NVIDIA CORPORATION COM 67066G104   231,392 547 SH   SOLE   547 0 0
POPULAR INC COM NEW 733174700   372,077 6,148 SH   SOLE   6,148 0 0
SALESFORCE INC COM 79466L302   301,891 1,429 SH   SOLE   1,429 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,619,892 128,308 SH   SOLE   128,308 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   716,094 14,900 SH   SOLE   14,900 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   26,905,308 513,754 SH   SOLE   513,754 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,280,130 70,449 SH   SOLE   70,448 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,769,244 41,277 SH   SOLE   41,276 0 0
SLM CORP COM 78442P106   208,635 12,784 SH   SOLE   12,784 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   631,879 25,265 SH   SOLE   25,265 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   203,198 2,213 SH   SOLE   2,213 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,317,628 25,183 SH   SOLE   25,183 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   244,529 2,423 SH   SOLE   2,423 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   231,657 444 SH   SOLE   444 0 0
UNITEDHEALTH GROUP INC COM 91324P102   379,706 790 SH   SOLE   790 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,272,221 128,021 SH   SOLE   128,021 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   4,859,155 94,647 SH   SOLE   94,646 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   11,038,502 151,857 SH   SOLE   151,857 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,812,459 23,984 SH   SOLE   23,983 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   855,910 11,424 SH   SOLE   11,424 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   897,314 11,928 SH   SOLE   11,927 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,897,932 38,828 SH   SOLE   38,828 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   18,009,695 63,647 SH   SOLE   63,647 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,739,304 16,276 SH   SOLE   16,276 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   978,998 4,922 SH   SOLE   4,922 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,505,546 21,194 SH   SOLE   21,194 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   17,940,607 126,253 SH   SOLE   126,253 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,623,283 3,986 SH   SOLE   3,985 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,072,857 173,866 SH   SOLE   173,865 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,635,434 34,488 SH   SOLE   34,488 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   899,565 17,912 SH   SOLE   17,912 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,159,116 25,204 SH   SOLE   25,203 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   27,235,355 589,765 SH   SOLE   589,765 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   441,463 4,162 SH   SOLE   4,162 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,574,843 25,291 SH   SOLE   25,290 0 0
VISA INC COM CL A 92826C839   498,708 2,100 SH   SOLE   2,100 0 0
WISDOMTREE TR BLMBG US BULL 97717W471   285,488 10,765 SH   SOLE   10,765 0 0
XERIS BIOPHARMA HOLDINGS INC COM 98422E103   32,865 12,544 SH   SOLE   12,544 0 0
ZOETIS INC CL A 98978V103   412,960 2,398 SH   SOLE   2,398 0 0