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
AT&T INC COM 00206R102 234 9,694 SH   SOLE   9,694 0 0
ARK ETF TR INNOVATION ETF 00214Q104 244 3,466 SH   SOLE   3,466 0 0
ABBOTT LABS COM 002824100 301 2,530 SH   SOLE   2,530 0 0
ABBVIE INC COM 00287Y109 412 2,547 SH   SOLE   2,547 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,190 2,538 SH   SOLE   2,538 0 0
THE ALGER ETF TRUST MID CAP 40 ETF 015564107 3,684 213,539 SH   SOLE   213,539 0 0
ALPHABET INC CAP STK CL C 02079K107 2,488 866 SH   SOLE   866 0 0
ALPHABET INC CAP STK CL A 02079K305 2,736 957 SH   SOLE   957 0 0
AMAZON COM INC COM 023135106 5,360 1,592 SH   SOLE   1,592 0 0
AMERICAN EXPRESS CO COM 025816109 664 3,537 SH   SOLE   3,537 0 0
AMGEN INC COM 031162100 554 2,264 SH   SOLE   2,264 0 0
APPLE INC COM 037833100 11,904 66,712 SH   SOLE   66,712 0 0
BK OF AMERICA CORP COM 060505104 612 14,995 SH   SOLE   14,995 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,556 3 SH   SOLE   3 0 0
BOEING CO COM 097023105 1,226 6,415 SH   SOLE   6,415 0 0
CATERPILLAR INC COM 149123101 702 3,179 SH   SOLE   3,179 0 0
CHEVRON CORP NEW COM 166764100 1,131 6,881 SH   SOLE   6,881 0 0
CLOUDFLARE INC CL A COM 18915M107 658 5,184 SH   SOLE   5,184 0 0
COHEN & STEERS SELECT PFD & COM 19248Y107 247 10,553 SH   SOLE   10,553 0 0
ETF SER SOLUTIONS LHA MKT ST TACTL 26922B105 479 15,675 SH   SOLE   15,675 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,260 10,477 SH   SOLE   10,477 0 0
EXXON MOBIL CORP COM 30231G102 537 6,452 SH   SOLE   6,452 0 0
EYENOVIA INC COM 30234E104 178 55,000 SH   SOLE   55,000 0 0
META PLATFORMS INC CL A 30303M102 503 2,152 SH   SOLE   2,152 0 0
FIDELITY COVINGTON TRUST FIDELITY GROWTH 316092337 784 42,395 SH   SOLE   42,395 0 0
FIDELITY COVINGTON TRUST INTL MULTIFACTOR 316092535 509 18,437 SH   SOLE   18,437 0 0
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 533 21,143 SH   SOLE   21,143 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 262 5,435 SH   SOLE   5,435 0 0
FORD MTR CO DEL COM 345370860 288 17,278 SH   SOLE   17,278 0 0
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101 346 24,024 SH   SOLE   24,024 0 0
HOME DEPOT INC COM 437076102 1,630 5,335 SH   SOLE   5,335 0 0
IDEXX LABS INC COM 45168D104 229 417 SH   SOLE   417 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 258 1,981 SH   SOLE   1,981 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,497 6,762 SH   SOLE   6,762 0 0
ISHARES GOLD TR ISHARES NEW 464285204 2,373 64,598 SH   SOLE   64,598 0 0
ISHARES TR CORE S&P TTL STK 464287150 220 2,154 SH   SOLE   2,154 0 0
ISHARES TR CORE S&P500 ETF 464287200 20,531 44,750 SH   SOLE   44,750 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 7,217 92,759 SH   SOLE   92,759 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 950 7,910 SH   SOLE   7,910 0 0
ISHARES TR RUS MD CP GR ETF 464287481 312 3,040 SH   SOLE   3,040 0 0
ISHARES TR CORE S&P MCP ETF 464287507 11,846 43,951 SH   SOLE   43,951 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,293 4,566 SH   SOLE   4,566 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 568 3,493 SH   SOLE   3,493 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 659 3,171 SH   SOLE   3,171 0 0
ISHARES TR CORE S&P US GWT 464287671 246 2,286 SH   SOLE   2,286 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,551 60,336 SH   SOLE   60,336 0 0
ISHARES TR S&P SML 600 GWT 464287887 931 7,382 SH   SOLE   7,382 0 0
ISHARES TR CALIF MUN BD ETF 464288356 753 12,961 SH   SOLE   12,961 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,675 32,454 SH   SOLE   32,454 0 0
ISHARES TR US TREAS BD ETF 46429B267 430 17,347 SH   SOLE   17,347 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,504 19,224 SH   SOLE   19,224 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 449 11,792 SH   SOLE   11,792 0 0
ISHARES TR MSCI INTL SML CP 46434V266 252 7,250 SH   SOLE   7,250 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 677 22,955 SH   SOLE   22,955 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 223 2,171 SH   SOLE   2,171 0 0
ISHARES TR MSCI GBL SUS DEV 46435G532 1,361 15,651 SH   SOLE   15,651 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 791 15,375 SH   SOLE   15,375 0 0
JPMORGAN CHASE & CO COM 46625H100 789 5,806 SH   SOLE   5,806 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 206 3,381 SH   SOLE   3,381 0 0
JOHNSON & JOHNSON COM 478160104 606 3,433 SH   SOLE   3,433 0 0
KKR & CO INC COM 48251W104 251 4,180 SH   SOLE   4,180 0 0
LEGGETT & PLATT INC COM 524660107 957 23,544 SH   SOLE   23,544 0 0
LOCKHEED MARTIN CORP COM 539830109 413 929 SH   SOLE   929 0 0
MACERICH CO COM 554382101 252 16,300 SH   SOLE   16,300 0 0
MASTERCARD INCORPORATED CL A 57636Q104 729 1,986 SH   SOLE   1,986 0 0
MCDONALDS CORP COM 580135101 856 3,466 SH   SOLE   3,466 0 0
MICROSOFT CORP COM 594918104 4,404 13,982 SH   SOLE   13,982 0 0
NIKE INC CL B 654106103 741 5,518 SH   SOLE   5,518 0 0
NVIDIA CORPORATION COM 67066G104 2,337 8,543 SH   SOLE   8,543 0 0
OCCIDENTAL PETE CORP COM 674599105 303 5,240 SH   SOLE   5,240 0 0
PALO ALTO NETWORKS INC COM 697435105 471 750 SH   SOLE   750 0 0
PAYPAL HLDGS INC COM 70450Y103 316 2,594 SH   SOLE   2,594 0 0
PEPSICO INC COM 713448108 483 2,850 SH   SOLE   2,850 0 0
QUALCOMM INC COM 747525103 387 2,518 SH   SOLE   2,518 0 0
RWT HLDGS INC NOTE 5.750%10/0 749772AD1 486 500,000 SH   SOLE   500,000 0 0
REALTY INCOME CORP COM 756109104 875 12,392 SH   SOLE   12,392 0 0
ROCKWELL AUTOMATION INC COM 773903109 703 2,501 SH   SOLE   2,501 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 695 1,521 SH   SOLE   1,521 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,236 6,851 SH   SOLE   6,851 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 495 13,842 SH   SOLE   13,842 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 953 14,143 SH   SOLE   14,143 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,595 12,392 SH   SOLE   12,392 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 1,104 23,315 SH   SOLE   23,315 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 1,171 21,791 SH   SOLE   21,791 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 263 754 SH   SOLE   754 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 910 21,466 SH   SOLE   21,466 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 449 8,241 SH   SOLE   8,241 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 203 2,651 SH   SOLE   2,651 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 212 4,412 SH   SOLE   4,412 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 430 5,568 SH   SOLE   5,568 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 437 4,281 SH   SOLE   4,281 0 0
SIMON PPTY GROUP INC NEW COM 828806109 2,026 15,057 SH   SOLE   15,057 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 227 1,692 SH   SOLE   1,692 0 0
STARBUCKS CORP COM 855244109 422 4,795 SH   SOLE   4,795 0 0
TESLA INC COM 88160R101 2,818 2,460 SH   SOLE   2,460 0 0
THORNBURG INCM BUILDER OPP T COM 885213108 247 14,413 SH   SOLE   14,413 0 0
UNION PAC CORP COM 907818108 277 1,074 SH   SOLE   1,074 0 0
UNITEDHEALTH GROUP INC COM 91324P102 221 434 SH   SOLE   434 0 0
VANECK ETF TRUST BDC INCOME ETF 92189F411 1,457 82,686 SH   SOLE   82,686 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 574 18,792 SH   SOLE   18,792 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 22,700 299,952 SH   SOLE   299,952 0 0
VANECK ETF TRUST MRNGSTR DURA DIV 92189H102 5,230 160,687 SH   SOLE   160,687 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,785 23,225 SH   SOLE   23,225 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 605 2,518 SH   SOLE   2,518 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,265 25,993 SH   SOLE   25,993 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 8,120 31,722 SH   SOLE   31,722 0 0
VENTAS INC COM 92276F100 201 3,191 SH   SOLE   3,191 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,243 7,724 SH   SOLE   7,724 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,529 13,910 SH   SOLE   13,910 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 368 1,254 SH   SOLE   1,254 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 301 2,037 SH   SOLE   2,037 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,453 6,302 SH   SOLE   6,302 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 272 5,178 SH   SOLE   5,178 0 0
VISA INC COM CL A 92826C839 4,493 19,730 SH   SOLE   19,730 0 0
YUM BRANDS INC COM 988498101 323 2,746 SH   SOLE   2,746 0 0