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
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 2,172 41,163 SH   SOLE   41,163 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,928 56,284 SH   SOLE   56,284 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 6,418 139,221 SH   SOLE   139,221 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 216 3,159 SH   SOLE   3,159 0 0
AMGEN INC COM 031162100 211 867 SH   SOLE   867 0 0
APPLE INC COM 037833100 1,506 11,012 SH   SOLE   11,012 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,636 4 SH   SOLE   4 0 0
COHEN & STEERS QUALITY INCOM COM 19247L106 1,464 107,724 SH   SOLE   107,724 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 613 15,245 SH   SOLE   15,245 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 341 14,621 SH   SOLE   14,621 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 233 10,043 SH   SOLE   10,043 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,941 171,033 SH   SOLE   171,033 0 0
EXXON MOBIL CORP COM 30231G102 269 3,142 SH   SOLE   3,142 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,133 45,849 SH   SOLE   45,849 0 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 531 25,972 SH   SOLE   25,972 0 0
HEARTLAND FINL USA INC COM 42234Q102 965 23,238 SH   SOLE   23,238 0 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 2,678 60,306 SH   SOLE   60,306 0 0
ISHARES TR EAFE SML CP ETF 464288273 225 4,116 SH   SOLE   4,116 0 0
ISHARES TR COHEN STEER REIT 464287564 2,825 46,483 SH   SOLE   46,483 0 0
ISHARES TR MSCI USA MMENTM 46432F396 3,862 28,322 SH   SOLE   28,322 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,797 47,532 SH   SOLE   47,532 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,240 19,583 SH   SOLE   19,583 0 0
ISHARES TR EAFE VALUE ETF 464288877 3,002 69,175 SH   SOLE   69,175 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,061 21,542 SH   SOLE   21,542 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 6,646 132,674 SH   SOLE   132,674 0 0
J P MORGAN EXCHANGE TRADED F INTERNL GWT 46641Q324 1,253 24,259 SH   SOLE   24,259 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 2,338 42,167 SH   SOLE   42,167 0 0
PIMCO CALIF MUN INCOME FD II COM 72201C109 83 10,000 SH   SOLE   10,000 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 341 3,583 SH   SOLE   3,583 0 0
PROSHARES TR INVT INT RT HG 74347B607 3,967 57,398 SH   SOLE   57,398 0 0
S&P GLOBAL INC COM 78409V104 2,338 6,937 SH   SOLE   6,937 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 231 5,172 SH   SOLE   5,172 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 363 12,818 SH   SOLE   12,818 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,721 87,133 SH   SOLE   87,133 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,332 63,141 SH   SOLE   63,141 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,944 93,625 SH   SOLE   93,625 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,192 30,598 SH   SOLE   30,598 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,474 71,670 SH   SOLE   71,670 0 0
SEMPRA COM 816851109 202 1,345 SH   SOLE   1,345 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 1,858 18,047 SH   SOLE   18,047 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 544 1,441 SH   SOLE   1,441 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 3,097 110,718 SH   SOLE   110,718 0 0
SYNTAX ETF TR STRATIFD LRG CAP 87166N106 15,378 253,623 SH   SOLE   253,623 0 0
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305 3,477 160,768 SH   SOLE   160,768 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 412 3,141 SH   SOLE   3,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,943 10,300 SH   SOLE   10,300 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,412 4,071 SH   SOLE   4,071 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 483 11,604 SH   SOLE   11,604 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 600 11,623 SH   SOLE   11,623 0 0
VISA INC COM CL A 92826C839 221 1,121 SH   SOLE   1,121 0 0
WESTERN ASSET MTG CAP CORP COM 95790D105 22 18,490 SH   SOLE   18,490 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,319 45,999 SH   SOLE   45,999 0 0