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
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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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,206,003 74,588 SH   SOLE   50,623 0 23,964
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,514,509 56,241 SH   SOLE   38,535 0 17,705
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   17,498,104 302,945 SH   SOLE   210,734 0 92,210
AMGEN INC COM 031162100   376,194 1,306 SH   SOLE   1,306 0 0
APPLE INC COM 037833100   2,532,386 13,153 SH   SOLE   6,573 0 6,580
BERKSHIRE HATHAWAY INC DEL CL A 084670108   2,170,500 4 SH   SOLE   4 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   9,941,918 438,066 SH   SOLE   316,133 0 121,932
COHEN & STEERS QUALITY INCOM COM 19247L106   1,663,605 135,915 SH   SOLE   108,398 0 27,516
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   3,626,593 119,808 SH   SOLE   81,158 0 38,649
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   396,188 16,433 SH   SOLE   10,358 0 6,074
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,567,399 307,549 SH   SOLE   225,462 0 82,087
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   1,397,286 26,701 SH   SOLE   21,695 0 5,006
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   652,988 22,340 SH   SOLE   22,339 0 0
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   4,807,284 187,345 SH   SOLE   130,305 0 57,039
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   456,802 12,273 SH   SOLE   10,548 0 1,724
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   13,190,487 461,045 SH   SOLE   314,652 0 146,392
DOUBLELINE ETF TRUST OPPORTUNISTIC BD 25861R105   401,953 8,690 SH   SOLE   7,816 0 873
EXCHANGE LISTED FDS TR SABA INT RATE 30151E806   5,830,352 307,346 SH   SOLE   222,193 0 85,151
EXXON MOBIL CORP COM 30231G102   321,636 3,217 SH   SOLE   2,250 0 967
FARMLAND PARTNERS INC COM 31154R109   919,627 73,688 SH   SOLE   49,996 0 23,691
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   548,605 11,916 SH   SOLE   11,077 0 838
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   16,900 10,000 SH   SOLE   10,000 0 0
HEARTLAND FINL USA INC COM 42234Q102   874,282 23,246 SH   SOLE   8 0 23,238
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   607,731 25,583 SH   SOLE   0 0 25,582
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   1,200,741 50,234 SH   SOLE   0 0 50,234
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   2,489,958 45,966 SH   SOLE   37,163 0 8,801
ISHARES TR COHEN STEER REIT 464287564   1,208,010 20,569 SH   SOLE   13,364 0 7,204
ISHARES TR EAFE VALUE ETF 464288877   2,090,413 40,123 SH   SOLE   36,274 0 3,848
ISHARES TR CORE MSCI EAFE 46432F842   4,857,881 69,053 SH   SOLE   47,597 0 21,455
ISHARES TR MSCI USA MMENTM 46432F396   1,559,380 9,939 SH   SOLE   8,073 0 1,866
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   338,993 6,710 SH   SOLE   6,282 0 427
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   10,268,441 225,136 SH   SOLE   162,253 0 62,882
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   754,506 13,723 SH   SOLE   12,477 0 1,245
J P MORGAN EXCHANGE TRADED F BETBULD MSCI 46641Q738   2,930,392 32,797 SH   SOLE   22,307 0 10,489
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   2,997,937 59,684 SH   SOLE   46,325 0 13,358
JPMORGAN CHASE & CO COM 46625H100   226,233 1,330 SH   SOLE   164 0 1,166
MERCK & CO INC COM 58933Y105   205,204 1,882 SH   SOLE   884 0 998
META PLATFORMS INC CL A 30303M102   1,220,100 3,447 SH   SOLE   147 0 3,300
NEOS ETF TRUST NEOS S&P 500 HI 78433H303   1,025,394 21,274 SH   SOLE   15,750 0 5,523
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107   445,504 49,721 SH   SOLE   1,718 0 48,003
PACER FDS TR METAURUS CAP 400 69374H436   3,963,225 119,916 SH   SOLE   83,093 0 36,822
PIMCO ETF TR MULTISECTOR BD 72201R585   7,937,834 309,286 SH   SOLE   228,908 0 80,377
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102   2,466,245 130,766 SH   SOLE   94,401 0 36,364
PROSHARES TR INVT INT RT HG 74347B607   697,124 9,249 SH   SOLE   8,202 0 1,046
S&P GLOBAL INC COM 78409V104   3,058,530 6,943 SH   SOLE   156 0 6,787
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,525,234 41,267 SH   SOLE   27,710 0 13,556
SCHWAB STRATEGIC TR US REIT ETF 808524847   431,584 20,839 SH   SOLE   19,164 0 1,675
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,353,332 38,789 SH   SOLE   33,351 0 5,436
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   200,489 2,634 SH   SOLE   1,654 0 979
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   383,460 11,369 SH   SOLE   902 0 10,466
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,214,991 45,863 SH   SOLE   41,054 0 4,808
SEMPRA COM 816851109   204,784 2,740 SH   SOLE   2,740 0 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   474,957 4,699 SH   SOLE   4,264 0 435
SPDR S&P 500 ETF TR TR UNIT 78462F103   698,765 1,470 SH   SOLE   1,470 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   5,588,052 205,292 SH   SOLE   137,260 0 68,031
SYNTAX ETF TR STRATIFD LRG CAP 87166N106   14,436,857 202,914 SH   SOLE   145,289 0 57,624
VANECK ETF TRUST EMERGING MRKT HI 92189F353   3,339,820 180,433 SH   SOLE   126,609 0 53,824
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,386,403 3,174 SH   SOLE   3,174 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   256,166 1,558 SH   SOLE   1,558 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,124,679 8,957 SH   SOLE   8,173 0 783
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   416,047 10,123 SH   SOLE   9,377 0 744
VANGUARD STAR FDS VG TL INTL STK F 921909768   625,587 10,793 SH   SOLE   10,793 0 0
VISA INC COM CL A 92826C839   295,753 1,136 SH   SOLE   1,135 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   8,034,055 159,914 SH   SOLE   114,393 0 45,519