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 398 4,108 SH   SOLE   0 0 4,108
ABBVIE INC COM 00287Y109 806 6,011 SH   SOLE   0 0 6,011
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 631 2,451 SH   SOLE   0 0 2,451
ADVANCED MICRO DEVICES INC COM 007903107 206 3,265 SH   SOLE   0 0 3,265
AGILENT TECHNOLOGIES INC COM 00846U101 272 2,240 SH   SOLE   0 0 2,240
AGILON HEALTH INC COM 00857U107 517 22,100 SH   SOLE   0 0 22,100
AIR PRODS & CHEMS INC COM 009158106 245 1,051 SH   SOLE   0 0 1,051
ALBEMARLE CORP COM 012653101 218 826 SH   SOLE   0 0 826
ALPHABET INC CAP STK CL A 02079K305 1,072 11,204 SH   SOLE   0 0 11,204
ALPHABET INC CAP STK CL C 02079K107 1,004 10,438 SH   SOLE   0 0 10,438
AMAZON COM INC COM 023135106 2,750 24,338 SH   SOLE   0 0 24,338
AMERICAN ELEC PWR CO INC COM 025537101 220 2,553 SH   SOLE   0 0 2,553
AMERICAN EXPRESS CO COM 025816109 314 2,330 SH   SOLE   0 0 2,330
AMERICAN INTL GROUP INC COM NEW 026874784 200 4,226 SH   SOLE   0 0 4,226
AMERICAN TOWER CORP NEW COM 03027X100 330 1,536 SH   SOLE   0 0 1,536
AMERISOURCEBERGEN CORP COM 03073E105 223 1,651 SH   SOLE   0 0 1,651
AMGEN INC COM 031162100 403 1,789 SH   SOLE   0 0 1,789
ANALOG DEVICES INC COM 032654105 271 1,947 SH   SOLE   0 0 1,947
AON PLC SHS CL A G0403H108 235 877 SH   SOLE   0 0 877
APPLE INC COM 037833100 6,798 49,191 SH   SOLE   0 0 49,191
APPLIED MATLS INC COM 038222105 288 3,514 SH   SOLE   0 0 3,514
AT&T INC COM 00206R102 161 10,508 SH   SOLE   0 0 10,508
AUTOMATIC DATA PROCESSING IN COM 053015103 399 1,764 SH   SOLE   0 0 1,764
AUTOZONE INC COM 053332102 418 195 SH   SOLE   0 0 195
AVALONBAY CMNTYS INC COM 053484101 244 1,323 SH   SOLE   0 0 1,323
BATH & BODY WORKS INC COM 070830104 207 6,362 SH   SOLE   0 0 6,362
BECTON DICKINSON & CO COM 075887109 243 1,090 SH   SOLE   0 0 1,090
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,120 4,197 SH   SOLE   0 0 4,197
BK OF AMERICA CORP COM 060505104 870 28,794 SH   SOLE   0 0 28,794
BLACKROCK INC COM 09247X101 381 692 SH   SOLE   0 0 692
BOEING CO COM 097023105 315 2,601 SH   SOLE   0 0 2,601
BOSTON SCIENTIFIC CORP COM 101137107 238 6,130 SH   SOLE   0 0 6,130
BRISTOL-MYERS SQUIBB CO COM 110122108 448 6,311 SH   SOLE   0 0 6,311
BROADCOM INC COM 11135F101 388 874 SH   SOLE   0 0 874
CADENCE DESIGN SYSTEM INC COM 127387108 467 2,861 SH   SOLE   0 0 2,861
CARNIVAL CORP COMMON STOCK 143658300 108 15,319 SH   SOLE   0 0 15,319
CENTRAL GARDEN & PET CO CL A NON-VTG 153527205 218 6,374 SH   SOLE   0 0 6,374
CF INDS HLDGS INC COM 125269100 211 2,192 SH   SOLE   0 0 2,192
CHENIERE ENERGY INC COM NEW 16411R208 222 1,337 SH   SOLE   0 0 1,337
CHEVRON CORP NEW COM 166764100 742 5,161 SH   SOLE   0 0 5,161
CHIPOTLE MEXICAN GRILL INC COM 169656105 278 185 SH   SOLE   0 0 185
CHUBB LIMITED COM H1467J104 209 1,149 SH   SOLE   0 0 1,149
CIGNA CORP NEW COM 125523100 354 1,274 SH   SOLE   0 0 1,274
CINTAS CORP COM 172908105 269 692 SH   SOLE   0 0 692
CISCO SYS INC COM 17275R102 562 14,048 SH   SOLE   0 0 14,048
CLOROX CO DEL COM 189054109 216 1,677 SH   SOLE   0 0 1,677
COCA COLA CO COM 191216100 603 10,773 SH   SOLE   0 0 10,773
CONFORMIS INC COM 20717E101 2 10,000 SH   SOLE   0 0 10,000
COPART INC COM 217204106 209 1,964 SH   SOLE   0 0 1,964
COSTAR GROUP INC COM 22160N109 281 4,036 SH   SOLE   0 0 4,036
COSTCO WHSL CORP NEW COM 22160K105 919 1,945 SH   SOLE   0 0 1,945
CROWDSTRIKE HLDGS INC CL A 22788C105 326 1,983 SH   SOLE   0 0 1,983
CROWN CASTLE INC COM 22822V101 215 1,484 SH   SOLE   0 0 1,484
CSX CORP COM 126408103 743 27,873 SH   SOLE   0 0 27,873
CVS HEALTH CORP COM 126650100 446 4,683 SH   SOLE   0 0 4,683
DANAHER CORPORATION COM 235851102 614 2,377 SH   SOLE   0 0 2,377
DEERE & CO COM 244199105 379 1,135 SH   SOLE   0 0 1,135
DISNEY WALT CO COM 254687106 465 4,929 SH   SOLE   0 0 4,929
DOLLAR GEN CORP NEW COM 256677105 321 1,338 SH   SOLE   0 0 1,338
DUKE ENERGY CORP NEW COM NEW 26441C204 317 3,405 SH   SOLE   0 0 3,405
ELEVANCE HEALTH INC COM 036752103 608 1,339 SH   SOLE   0 0 1,339
ENPHASE ENERGY INC COM 29355A107 307 1,105 SH   SOLE   0 0 1,105
EXXON MOBIL CORP COM 30231G102 1,499 17,163 SH   SOLE   0 0 17,163
FISERV INC COM 337738108 202 2,153 SH   SOLE   0 0 2,153
FORD MTR CO DEL COM 345370860 198 17,669 SH   SOLE   0 0 17,669
GENERAL ELECTRIC CO COM NEW 369604301 232 3,761 SH   SOLE   0 0 3,761
GENERAL MTRS CO COM 37045V100 241 7,516 SH   SOLE   0 0 7,516
GOLDMAN SACHS GROUP INC COM 38141G104 290 990 SH   SOLE   0 0 990
HOME DEPOT INC COM 437076102 413 1,498 SH   SOLE   0 0 1,498
HONEYWELL INTL INC COM 438516106 349 2,089 SH   SOLE   0 0 2,089
HOPE BANCORP INC COM 43940T109 212 16,761 SH   SOLE   0 0 16,761
HOSTESS BRANDS INC CL A 44109J106 272 11,688 SH   SOLE   0 0 11,688
HUBBELL INC COM 443510607 308 1,381 SH   SOLE   0 0 1,381
HUMANA INC COM 444859102 274 564 SH   SOLE   0 0 564
HUNTINGTON BANCSHARES INC COM 446150104 662 50,254 SH   SOLE   0 0 50,254
IDACORP INC COM 451107106 262 2,654 SH   SOLE   0 0 2,654
INTEL CORP COM 458140100 249 9,642 SH   SOLE   0 0 9,642
INTERNATIONAL BUSINESS MACHS COM 459200101 383 3,224 SH   SOLE   0 0 3,224
INTUIT COM 461202103 590 1,525 SH   SOLE   0 0 1,525
INTUITIVE SURGICAL INC COM NEW 46120E602 269 1,436 SH   SOLE   0 0 1,436
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 228 3,944 SH   SOLE   0 0 3,944
INVESCO QQQ TR UNIT SER 1 46090E103 203 760 SH   SOLE   0 0 760
ISHARES INC CORE MSCI EMKT 46434G103 313 7,271 SH   SOLE   0 0 7,271
ISHARES TR CORE S&P500 ETF 464287200 935 2,608 SH   SOLE   0 0 2,608
ISHARES TR JPMORGAN USD EMG 464288281 267 3,364 SH   SOLE   0 0 3,364
ISHARES TR CORE MSCI EAFE 46432F842 833 15,816 SH   SOLE   0 0 15,816
ISHARES TR MSCI USA MIN VOL 46429B697 512 7,745 SH   SOLE   0 0 7,745
ISHARES TR NATIONAL MUN ETF 464288414 2,532 24,680 SH   SOLE   0 0 24,680
ISHARES TR RUS MID CAP ETF 464287499 200 3,223 SH   SOLE   0 0 3,223
ISHARES TR SHRT NAT MUN ETF 464288158 805 7,840 SH   SOLE   0 0 7,840
ISHARES TR MSCI EAFE MIN VL 46429B689 228 3,997 SH   SOLE   0 0 3,997
ISHARES TR RUSSELL 2000 ETF 464287655 201 1,220 SH   SOLE   0 0 1,220
ITT INC COM 45073V108 200 3,061 SH   SOLE   0 0 3,061
JOHNSON & JOHNSON COM 478160104 1,385 8,478 SH   SOLE   0 0 8,478
JPMORGAN CHASE & CO COM 46625H100 1,514 14,486 SH   SOLE   0 0 14,486
KEYSIGHT TECHNOLOGIES INC COM 49338L103 299 1,901 SH   SOLE   0 0 1,901
KROGER CO COM 501044101 255 5,821 SH   SOLE   0 0 5,821
LILLY ELI & CO COM 532457108 886 2,739 SH   SOLE   0 0 2,739
LINCOLN ELEC HLDGS INC COM 533900106 204 1,622 SH   SOLE   0 0 1,622
LOCKHEED MARTIN CORP COM 539830109 382 989 SH   SOLE   0 0 989
LOWES COS INC COM 548661107 352 1,873 SH   SOLE   0 0 1,873
LTC PPTYS INC COM 502175102 258 6,892 SH   SOLE   0 0 6,892
MARATHON PETE CORP COM 56585A102 505 5,082 SH   SOLE   0 0 5,082
MASTERCARD INCORPORATED CL A 57636Q104 302 1,062 SH   SOLE   0 0 1,062
MCDONALDS CORP COM 580135101 678 2,940 SH   SOLE   0 0 2,940
MCKESSON CORP COM 58155Q103 347 1,021 SH   SOLE   0 0 1,021
MERCK & CO INC COM 58933Y105 594 6,902 SH   SOLE   0 0 6,902
META PLATFORMS INC CL A 30303M102 564 4,158 SH   SOLE   0 0 4,158
MICROSOFT CORP COM 594918104 3,882 16,665 SH   SOLE   0 0 16,665
MONDELEZ INTL INC CL A 609207105 210 3,819 SH   SOLE   0 0 3,819
MORGAN STANLEY COM NEW 617446448 309 3,914 SH   SOLE   0 0 3,914
NASDAQ INC COM 631103108 274 4,829 SH   SOLE   0 0 4,829
NETFLIX INC COM 64110L106 331 1,408 SH   SOLE   0 0 1,408
NEXTERA ENERGY INC COM 65339F101 748 9,547 SH   SOLE   0 0 9,547
NOKIA CORP SPONSORED ADR 654902204 88 20,565 SH   SOLE   0 0 20,565
NORFOLK SOUTHN CORP COM 655844108 555 2,648 SH   SOLE   0 0 2,648
NVIDIA CORPORATION COM 67066G104 471 3,877 SH   SOLE   0 0 3,877
OCCIDENTAL PETE CORP COM 674599105 634 10,321 SH   SOLE   0 0 10,321
ONDAS HLDGS INC COM NEW 68236H204 67 18,104 SH   SOLE   0 0 18,104
ORACLE CORP COM 68389X105 313 5,111 SH   SOLE   0 0 5,111
PALANTIR TECHNOLOGIES INC CL A 69608A108 104 12,712 SH   SOLE   0 0 12,712
PALO ALTO NETWORKS INC COM 697435105 306 1,869 SH   SOLE   0 0 1,869
PAYPAL HLDGS INC COM 70450Y103 355 4,127 SH   SOLE   0 0 4,127
PEPSICO INC COM 713448108 1,033 6,328 SH   SOLE   0 0 6,328
PFIZER INC COM 717081103 408 9,321 SH   SOLE   0 0 9,321
PHILIP MORRIS INTL INC COM 718172109 356 4,297 SH   SOLE   0 0 4,297
PROCTER AND GAMBLE CO COM 742718109 2,462 19,502 SH   SOLE   0 0 19,502
PROLOGIS INC. COM 74340W103 318 3,130 SH   SOLE   0 0 3,130
PRUDENTIAL FINL INC COM 744320102 213 2,488 SH   SOLE   0 0 2,488
QUALCOMM INC COM 747525103 222 1,966 SH   SOLE   0 0 1,966
QUANTA SVCS INC COM 74762E102 278 2,182 SH   SOLE   0 0 2,182
REGENERON PHARMACEUTICALS COM 75886F107 264 384 SH   SOLE   0 0 384
S&P GLOBAL INC COM 78409V104 329 1,078 SH   SOLE   0 0 1,078
SALESFORCE INC COM 79466L302 223 1,550 SH   SOLE   0 0 1,550
SCHWAB CHARLES CORP COM 808513105 357 4,960 SH   SOLE   0 0 4,960
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 652 18,839 SH   SOLE   0 0 18,839
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,254 55,955 SH   SOLE   0 0 55,955
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 380 15,119 SH   SOLE   0 0 15,119
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 439 15,624 SH   SOLE   0 0 15,624
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,376 175,663 SH   SOLE   0 0 175,663
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 875 20,660 SH   SOLE   0 0 20,660
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,959 106,758 SH   SOLE   0 0 106,758
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,295 39,222 SH   SOLE   0 0 39,222
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,474 57,394 SH   SOLE   0 0 57,394
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,414 63,867 SH   SOLE   0 0 63,867
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,605 54,263 SH   SOLE   0 0 54,263
SCHWAB STRATEGIC TR US REIT ETF 808524847 242 12,946 SH   SOLE   0 0 12,946
SERVICENOW INC COM 81762P102 205 544 SH   SOLE   0 0 544
SHOPIFY INC CL A 82509L107 207 7,660 SH   SOLE   0 0 7,660
SORRENTO THERAPEUTICS INC COM NEW 83587F202 19 11,717 SH   SOLE   0 0 11,717
SPDR S&P 500 ETF TR TR UNIT 78462F103 560 1,570 SH   SOLE   0 0 1,570
SPDR SER TR S&P 400 MDCP VAL 78464A839 384 6,633 SH   SOLE   0 0 6,633
SPDR SER TR S&P DIVID ETF 78464A763 246 2,201 SH   SOLE   0 0 2,201
SPDR SER TR S&P 600 SMCP VAL 78464A300 455 6,776 SH   SOLE   0 0 6,776
SPDR SER TR NUVEEN BLOOMBERG 78464A284 460 9,592 SH   SOLE   0 0 9,592
SPDR SER TR NUVEEN BLMBRG SH 78468R739 762 16,526 SH   SOLE   0 0 16,526
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 416 4,538 SH   SOLE   0 0 4,538
STARBUCKS CORP COM 855244109 358 4,253 SH   SOLE   0 0 4,253
STRYKER CORPORATION COM 863667101 375 1,852 SH   SOLE   0 0 1,852
SYNOPSYS INC COM 871607107 589 1,927 SH   SOLE   0 0 1,927
TARGET CORP COM 87612E106 251 1,694 SH   SOLE   0 0 1,694
TESLA INC COM 88160R101 2,420 9,124 SH   SOLE   0 0 9,124
TEXAS INSTRS INC COM 882508104 515 3,328 SH   SOLE   0 0 3,328
THE TRADE DESK INC COM CL A 88339J105 426 7,118 SH   SOLE   0 0 7,118
THERMO FISHER SCIENTIFIC INC COM 883556102 640 1,261 SH   SOLE   0 0 1,261
TJX COS INC NEW COM 872540109 309 4,977 SH   SOLE   0 0 4,977
TWITTER INC COM 90184L102 238 5,436 SH   SOLE   0 0 5,436
UNION PAC CORP COM 907818108 257 1,319 SH   SOLE   0 0 1,319
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303 218 6,578 SH   SOLE   0 0 6,578
UNITED PARCEL SERVICE INC CL B 911312106 229 1,418 SH   SOLE   0 0 1,418
UNITEDHEALTH GROUP INC COM 91324P102 1,279 2,532 SH   SOLE   0 0 2,532
US BANCORP DEL COM NEW 902973304 299 7,397 SH   SOLE   0 0 7,397
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 598 11,972 SH   SOLE   0 0 11,972
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 212 9,279 SH   SOLE   0 0 9,279
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 323 4,309 SH   SOLE   0 0 4,309
VANGUARD BD INDEX FDS INTERMED TERM 921937819 386 5,243 SH   SOLE   0 0 5,243
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 363 5,091 SH   SOLE   0 0 5,091
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,174 29,105 SH   SOLE   0 0 29,105
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,105 15,912 SH   SOLE   0 0 15,912
VANGUARD INDEX FDS SMALL CP ETF 922908751 737 4,315 SH   SOLE   0 0 4,315
VANGUARD INDEX FDS GROWTH ETF 922908736 3,811 17,810 SH   SOLE   0 0 17,810
VANGUARD INDEX FDS VALUE ETF 922908744 7,031 56,939 SH   SOLE   0 0 56,939
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,141 3,477 SH   SOLE   0 0 3,477
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,960 16,090 SH   SOLE   0 0 16,090
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,189 12,836 SH   SOLE   0 0 12,836
VANGUARD INDEX FDS TOTAL STK MKT 922908769 16,169 90,093 SH   SOLE   0 0 90,093
VANGUARD INDEX FDS MID CAP ETF 922908629 671 3,568 SH   SOLE   0 0 3,568
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,907 36,255 SH   SOLE   0 0 36,255
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,945 80,732 SH   SOLE   0 0 80,732
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 212 2,288 SH   SOLE   0 0 2,288
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 717 14,898 SH   SOLE   0 0 14,898
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 12,727 220,231 SH   SOLE   0 0 220,231
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,168 25,502 SH   SOLE   0 0 25,502
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,518 41,768 SH   SOLE   0 0 41,768
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 532 5,600 SH   SOLE   0 0 5,600
VERIZON COMMUNICATIONS INC COM 92343V104 288 7,591 SH   SOLE   0 0 7,591
VERTEX PHARMACEUTICALS INC COM 92532F100 331 1,143 SH   SOLE   0 0 1,143
VISA INC COM CL A 92826C839 408 2,298 SH   SOLE   0 0 2,298
WALMART INC COM 931142103 664 5,119 SH   SOLE   0 0 5,119
WELLS FARGO CO NEW COM 949746101 417 10,351 SH   SOLE   0 0 10,351
WENDYS CO COM 95058W100 195 10,408 SH   SOLE   0 0 10,408
ZOETIS INC CL A 98978V103 247 1,668 SH   SOLE   0 0 1,668