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
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   7,554,757 106,766 SH   SOLE   0 0 106,766
APPLE INC COM 037833100   4,431,962 25,886 SH   SOLE   0 0 25,886
AMAZON COM INC COM 023135106   4,256,867 33,487 SH   SOLE   0 0 33,487
ALPHABET INC CAP STK CL A 02079K305   2,907,293 22,050 SH   SOLE   0 0 22,050
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,749,707 6,432 SH   SOLE   0 0 6,432
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,639,264 7,880 SH   SOLE   0 0 7,880
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,429,898 37,696 SH   SOLE   0 0 37,696
MICROSOFT CORP COM 594918104   2,162,099 6,848 SH   SOLE   0 0 6,848
NVIDIA CORPORATION COM 67066G104   1,713,414 3,939 SH   SOLE   0 0 3,939
VERIZON COMMUNICATIONS INC COM 92343V104   1,467,069 45,266 SH   SOLE   0 0 45,266
AT&T INC COM 00206R102   1,452,410 96,698 SH   SOLE   0 0 96,698
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,341,999 3,831 SH   SOLE   0 0 3,831
BRISTOL-MYERS SQUIBB CO COM 110122108   1,321,690 22,772 SH   SOLE   0 0 22,772
INTERNATIONAL BUSINESS MACHS COM 459200101   1,316,387 9,383 SH   SOLE   0 0 9,383
META PLATFORMS INC CL A 30303M102   1,298,408 4,325 SH   SOLE   0 0 4,325
INVESCO QQQ TR UNIT SER 1 46090E103   1,167,461 3,259 SH   SOLE   0 0 3,259
JPMORGAN CHASE & CO COM 46625H100   1,154,788 7,963 SH   SOLE   0 0 7,963
BANK AMERICA CORP COM 060505104   1,116,995 40,796 SH   SOLE   0 0 40,796
CISCO SYS INC COM 17275R102   1,114,850 20,738 SH   SOLE   0 0 20,738
PFIZER INC COM 717081103   1,112,431 33,537 SH   SOLE   0 0 33,537
WELLS FARGO CO NEW PERP PFD CNV A 949746804   1,110,589 27,180 SH   SOLE   0 0 27,180
BOEING CO COM 097023105   1,043,361 5,443 SH   SOLE   0 0 5,443
SALESFORCE INC COM 79466L302   1,019,781 5,029 SH   SOLE   0 0 5,029
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   981,582 46,236 SH   SOLE   0 0 46,236
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   937,982 85,660 SH   SOLE   0 0 85,660
STARBUCKS CORP COM 855244109   922,449 10,107 SH   SOLE   0 0 10,107
NETFLIX INC COM 64110L106   918,701 2,433 SH   SOLE   0 0 2,433
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   891,849 19,498 SH   SOLE   0 0 19,498
ALTRIA GROUP INC COM 02209S103   880,719 20,945 SH   SOLE   0 0 20,945
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   869,896 2,215 SH   SOLE   0 0 2,215
QUALCOMM INC COM 747525103   865,724 7,795 SH   SOLE   0 0 7,795
INTEL CORP COM 458140100   863,548 24,291 SH   SOLE   0 0 24,291
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   851,334 20,554 SH   SOLE   0 0 20,554
COCA COLA CO COM 191216100   830,698 14,839 SH   SOLE   0 0 14,839
GENERAL DYNAMICS CORP COM 369550108   802,099 3,630 SH   SOLE   0 0 3,630
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   783,785 7,586 SH   SOLE   0 0 7,586
JOHNSON & JOHNSON COM 478160104   772,751 4,961 SH   SOLE   0 0 4,961
AMGEN INC COM 031162100   745,385 2,773 SH   SOLE   0 0 2,773
CITIGROUP INC COM NEW 172967424   696,582 16,936 SH   SOLE   0 0 16,936
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   692,914 33,523 SH   SOLE   0 0 33,523
CHEVRON CORP NEW COM 166764100   678,813 4,026 SH   SOLE   0 0 4,026
RTX CORPORATION COM 75513E101   677,024 9,407 SH   SOLE   0 0 9,407
PROCTER AND GAMBLE CO COM 742718109   663,442 4,548 SH   SOLE   0 0 4,548
WYNN RESORTS LTD COM 983134107   642,707 6,955 SH   SOLE   0 0 6,955
GENERAL MTRS CO COM 37045V100   611,841 18,558 SH   SOLE   0 0 18,558
GILEAD SCIENCES INC COM 375558103   579,178 7,729 SH   SOLE   0 0 7,729
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   569,123 16,759 SH   SOLE   0 0 16,759
3M CO COM 88579Y101   562,735 6,011 SH   SOLE   0 0 6,011
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   537,258 22,442 SH   SOLE   0 0 22,442
HOME DEPOT INC COM 437076102   536,314 1,775 SH   SOLE   0 0 1,775
DISNEY WALT CO COM 254687106   535,173 6,603 SH   SOLE   0 0 6,603
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   515,258 32,264 SH   SOLE   0 0 32,264
TESLA INC COM 88160R101   490,431 1,960 SH   SOLE   0 0 1,960
ISHARES INC MSCI MEXICO ETF 464286822   484,576 8,322 SH   SOLE   0 0 8,322
ISHARES TR ISHARES BIOTECH 464287556   482,963 3,949 SH   SOLE   0 0 3,949
DELTA AIR LINES INC DEL COM NEW 247361702   477,645 12,909 SH   SOLE   0 0 12,909
BP PLC SPONSORED ADR 055622104   464,841 12,005 SH   SOLE   0 0 12,005
ISHARES TR MSCI EMG MKT ETF 464287234   451,649 11,901 SH   SOLE   0 0 11,901
ABBOTT LABS COM 002824100   434,737 4,489 SH   SOLE   0 0 4,489
NORFOLK SOUTHN CORP COM 655844108   434,114 2,204 SH   SOLE   0 0 2,204
MERCK & CO INC COM 58933Y105   428,933 4,166 SH   SOLE   0 0 4,166
COSTCO WHSL CORP NEW COM 22160K105   425,834 754 SH   SOLE   0 0 754
CATERPILLAR INC COM 149123101   422,209 1,547 SH   SOLE   0 0 1,547
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   415,886 2,537 SH   SOLE   0 0 2,537
GOLDMAN SACHS GROUP INC COM 38141G104   412,253 1,274 SH   SOLE   0 0 1,274
VISA INC COM CL A 92826C839   408,291 1,775 SH   SOLE   0 0 1,775
CLOROX CO DEL COM 189054109   392,530 2,995 SH   SOLE   0 0 2,995
MEDTRONIC PLC SHS G5960L103   368,292 4,700 SH   SOLE   0 0 4,700
ISHARES TR RUS 1000 GRW ETF 464287614   367,948 1,383 SH   SOLE   0 0 1,383
ADOBE INC COM 00724F101   365,088 716 SH   SOLE   0 0 716
SPDR SER TR S&P 600 SMCP VAL 78464A300   352,017 4,864 SH   SOLE   0 0 4,864
EXXON MOBIL CORP COM 30231G102   344,138 2,927 SH   SOLE   0 0 2,927
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   343,508 13,907 SH   SOLE   0 0 13,907
ISHARES TR RUS 1000 VAL ETF 464287598   326,155 2,148 SH   SOLE   0 0 2,148
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   319,239 8,142 SH   SOLE   0 0 8,142
SCHWAB STRATEGIC TR US TIPS ETF 808524870   318,318 6,305 SH   SOLE   0 0 6,305
ISHARES TR RUS 2000 GRW ETF 464287648   315,718 1,409 SH   SOLE   0 0 1,409
ISHARES TR RUS 2000 VAL ETF 464287630   309,960 2,287 SH   SOLE   0 0 2,287
SPDR SER TR S&P BIOTECH 78464A870   308,817 4,229 SH   SOLE   0 0 4,229
VANGUARD INDEX FDS SMALL CP ETF 922908751   302,805 1,602 SH   SOLE   0 0 1,602
ISHARES TR PFD AND INCM SEC 464288687   297,543 9,869 SH   SOLE   0 0 9,869
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   295,871 5,107 SH   SOLE   0 0 5,107
SCHWAB CHARLES CORP COM 808513105   291,761 5,314 SH   SOLE   0 0 5,314
SELECT SECTOR SPDR TR ENERGY 81369Y506   280,707 3,106 SH   SOLE   0 0 3,106
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   279,325 13,890 SH   SOLE   0 0 13,890
SCHLUMBERGER LTD COM STK 806857108   278,765 4,782 SH   SOLE   0 0 4,782
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   278,509 3,830 SH   SOLE   0 0 3,830
WISDOMTREE TR EMER MKT HIGH FD 97717W315   274,476 7,323 SH   SOLE   0 0 7,323
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   261,834 13,920 SH   SOLE   0 0 13,920
FORD MTR CO DEL COM 345370860   253,272 20,392 SH   SOLE   0 0 20,392
PAYPAL HLDGS INC COM 70450Y103   252,956 4,327 SH   SOLE   0 0 4,327
AMERICAN AIRLS GROUP INC COM 02376R102   250,307 19,540 SH   SOLE   0 0 19,540
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   248,691 1,932 SH   SOLE   0 0 1,932
REALTY INCOME CORP COM 756109104   246,425 4,934 SH   SOLE   0 0 4,934
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   242,528 4,116 SH   SOLE   0 0 4,116
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   235,435 4,539 SH   SOLE   0 0 4,539
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   233,237 3,103 SH   SOLE   0 0 3,103
PHILIP MORRIS INTL INC COM 718172109   232,922 2,516 SH   SOLE   0 0 2,516
ISHARES TR 20 YR TR BD ETF 464287432   232,407 2,620 SH   SOLE   0 0 2,620
ALASKA AIR GROUP INC COM 011659109   229,183 6,181 SH   SOLE   0 0 6,181
NEXTERA ENERGY INC COM 65339F101   221,184 3,861 SH   SOLE   0 0 3,861
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   220,653 8,415 SH   SOLE   0 0 8,415
PROSHARES TR S&P 500 DV ARIST 74348A467   212,826 2,403 SH   SOLE   0 0 2,403
ADVANCED MICRO DEVICES INC COM 007903107   208,622 2,029 SH   SOLE   0 0 2,029
GENERAL ELECTRIC CO COM NEW 369604301   200,961 1,818 SH   SOLE   0 0 1,818
ISHARES TR RUSSELL 2000 ETF 464287655   200,731 1,136 SH   SOLE   0 0 1,136
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   184,731 11,055 SH   SOLE   0 0 11,055
XEROX HOLDINGS CORP COM NEW 98421M106   168,466 10,737 SH   SOLE   0 0 10,737
WARNER BROS DISCOVERY INC COM SER A 934423104   133,687 12,310 SH   SOLE   0 0 12,310
JETBLUE AWYS CORP COM 477143101   48,070 10,450 SH   SOLE   0 0 10,450