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
AMAZON COM INC COM 023135106   226,071 2,001 SH   SOLE   0 0 2,001
APPLE INC COM 037833100   2,210,411 15,994 SH   SOLE   0 0 15,994
CHEVRON CORP NEW COM 166764100   286,334 1,993 SH   SOLE   0 0 1,993
EXPEDITORS INTL WASH INC COM 302130109   315,973 3,578 SH   SOLE   0 0 3,578
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   3,857,644 15,351 SH   SOLE   0 0 15,351
ISHARES TR BLACKROCK ULTRA 46434V878   337,492 6,748 SH   SOLE   0 0 6,748
ISHARES TR CONSER ALLOC ETF 464289883   281,519 8,630 SH   SOLE   0 0 8,630
ISHARES TR CORE US AGGBD ET 464287226   340,904 3,539 SH   SOLE   0 0 3,539
JOHNSON & JOHNSON COM 478160104   245,770 1,504 SH   SOLE   0 0 1,504
META PLATFORMS INC CL A 30303M102   209,354 1,543 SH   SOLE   0 0 1,543
MICROSOFT CORP COM 594918104   403,430 1,732 SH   SOLE   0 0 1,732
ORACLE CORP COM 68389X105   922,589 15,107 SH   SOLE   0 0 15,107
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,761,089 146,938 SH   SOLE   0 0 146,938
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,179,886 128,649 SH   SOLE   0 0 128,649
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   428,411 15,230 SH   SOLE   0 0 15,230
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,923,060 31,770 SH   SOLE   0 0 31,770
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,437,170 38,020 SH   SOLE   0 0 38,020
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   370,822 8,184 SH   SOLE   0 0 8,184
SEMPRA COM 816851109   384,596 2,565 SH   SOLE   0 0 2,565
TESLA INC COM 88160R101   493,365 1,860 SH   SOLE   0 0 1,860
UNITEDHEALTH GROUP INC COM 91324P102   408,610 809 SH   SOLE   0 0 809
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,759,105 78,376 SH   SOLE   0 0 78,376
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,986,985 53,288 SH   SOLE   0 0 53,288
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,881,898 82,460 SH   SOLE   0 0 82,460
VANGUARD INDEX FDS MID CAP ETF 922908629   1,687,538 8,977 SH   SOLE   0 0 8,977
VANGUARD INDEX FDS GROWTH ETF 922908736   3,603,034 16,841 SH   SOLE   0 0 16,841
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,742,536 10,196 SH   SOLE   0 0 10,196
VANGUARD INDEX FDS SM CP VAL ETF 922908611   495,904 3,458 SH   SOLE   0 0 3,458
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,692,404 5,155 SH   SOLE   0 0 5,155
VANGUARD INDEX FDS VALUE ETF 922908744   2,708,870 21,938 SH   SOLE   0 0 21,938
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,035,114 22,456 SH   SOLE   0 0 22,456
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,483,025 11,100 SH   SOLE   0 0 11,100
VANGUARD WORLD FDS INF TECH ETF 92204A702   541,344 1,761 SH   SOLE   0 0 1,761