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
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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
ALPHABET INC CAP STK CL A 02079K305   1,174,084 7,779 SH   SOLE   0 0 7,779
AMAZON COM INC COM 023135106   1,909,142 10,584 SH   SOLE   0 0 10,584
APPLE INC COM 037833100   2,844,887 16,590 SH   SOLE   0 0 16,590
APPLIED MATLS INC COM 038222105   287,691 1,395 SH   SOLE   0 0 1,395
BANK MONTREAL MEDIUM MICROSECTORS FAN 063679534   1,037,571 3,173 SH   SOLE   0 0 3,173
CROWDSTRIKE HLDGS INC CL A 22788C105   356,496 1,112 SH   SOLE   0 0 1,112
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,166,132 18,706 SH   SOLE   0 0 18,706
EQUINIX INC COM 29444U700   657,187 796 SH   SOLE   0 0 796
ISHARES TR NATIONAL MUN ETF 464288414   3,732,990 34,693 SH   SOLE   0 0 34,693
ISHARES TR 0-3 MNTH TREASRY 46436E718   44,406,025 440,930 SH   SOLE   0 0 440,930
ISHARES TR 20 YR TR BD ETF 464287432   959,541 10,141 SH   SOLE   0 0 10,141
MASTERCARD INCORPORATED CL A 57636Q104   385,351 800 SH   SOLE   0 0 800
MERCK & CO INC COM 58933Y105   1,178,524 8,932 SH   SOLE   0 0 8,932
META PLATFORMS INC CL A 30303M102   1,200,354 2,472 SH   SOLE   0 0 2,472
MICROSOFT CORP COM 594918104   409,441 973 SH   SOLE   0 0 973
NETFLIX INC COM 64110L106   305,487 503 SH   SOLE   0 0 503
NVIDIA CORPORATION COM 67066G104   732,787 811 SH   SOLE   0 0 811
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   768,186 19,433 SH   SOLE   0 0 19,433
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   403,727 1,938 SH   SOLE   0 0 1,938
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   415,514 6,329 SH   SOLE   0 0 6,329
SPDR GOLD TR GOLD SHS 78463V107   655,630 3,187 SH   SOLE   0 0 3,187
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   377,524 11,266 SH   SOLE   0 0 11,266
SPDR SER TR BLOOMBERG HIGH Y 78468R622   3,543,644 37,223 SH   SOLE   0 0 37,223
UNION PAC CORP COM 907818108   205,783 837 SH   SOLE   0 0 837
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,958,549 82,040 SH   SOLE   0 0 82,040
VANGUARD INDEX FDS TOTAL STK MKT 922908769   617,276 2,375 SH   SOLE   0 0 2,375
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,241,213 21,163 SH   SOLE   0 0 21,163
VANGUARD WORLD FD FINANCIALS ETF 92204A405   893,653 8,728 SH   SOLE   0 0 8,728
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   1,027,176 4,207 SH   SOLE   0 0 4,207
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   892,301 3,298 SH   SOLE   0 0 3,298
VANGUARD WORLD FD CONSUM STP ETF 92204A207   823,052 4,032 SH   SOLE   0 0 4,032
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   1,433,354 4,511 SH   SOLE   0 0 4,511
VANGUARD WORLD FD INF TECH ETF 92204A702   2,086,127 3,979 SH   SOLE   0 0 3,979
VANGUARD WORLD FD MATERIALS ETF 92204A801   201,632 986 SH   SOLE   0 0 986
VANGUARD WORLD FD COMM SRVC ETF 92204A884   376,470 2,869 SH   SOLE   0 0 2,869
VISA INC COM CL A 92826C839   391,245 1,402 SH   SOLE   0 0 1,402