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   9,434,103 117,005 SH   SOLE   0 0 117,005
APPLE INC COM 037833100   5,537,554 32,293 SH   SOLE   0 0 32,293
AMAZON COM INC COM 023135106   4,458,994 24,720 SH   SOLE   0 0 24,720
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   3,794,932 9,541 SH   SOLE   0 0 9,541
NVIDIA CORPORATION COM 67066G104   3,575,482 3,957 SH   SOLE   0 0 3,957
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,375,944 6,454 SH   SOLE   0 0 6,454
ALPHABET INC CAP STK CL A 02079K305   3,278,310 21,531 SH   SOLE   0 0 21,531
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,886,547 37,991 SH   SOLE   0 0 37,991
MICROSOFT CORP COM 594918104   2,840,336 6,751 SH   SOLE   0 0 6,751
META PLATFORMS INC CL A 30303M102   2,090,662 4,305 SH   SOLE   0 0 4,305
PFIZER INC COM 717081103   1,870,001 67,387 SH   SOLE   0 0 67,387
VERIZON COMMUNICATIONS INC COM 92343V104   1,863,586 44,413 SH   SOLE   0 0 44,413
AT&T INC COM 00206R102   1,583,384 89,965 SH   SOLE   0 0 89,965
BANK AMERICA CORP COM 060505104   1,580,710 41,685 SH   SOLE   0 0 41,685
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,574,847 3,745 SH   SOLE   0 0 3,745
WELLS FARGO CO NEW PERP PFD CNV A 949746804   1,505,437 25,974 SH   SOLE   0 0 25,974
JPMORGAN CHASE & CO COM 46625H100   1,406,781 7,023 SH   SOLE   0 0 7,023
SALESFORCE INC COM 79466L302   1,356,816 4,505 SH   SOLE   0 0 4,505
CISCO SYS INC COM 17275R102   1,278,192 25,610 SH   SOLE   0 0 25,610
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   1,236,652 26,762 SH   SOLE   0 0 26,762
QUALCOMM INC COM 747525103   1,191,785 7,039 SH   SOLE   0 0 7,039
NETFLIX INC COM 64110L106   1,182,472 1,947 SH   SOLE   0 0 1,947
BOEING CO COM 097023105   1,161,461 6,018 SH   SOLE   0 0 6,018
TESLA INC COM 88160R101   1,156,347 6,578 SH   SOLE   0 0 6,578
INTERNATIONAL BUSINESS MACHS COM 459200101   1,138,212 5,960 SH   SOLE   0 0 5,960
BRISTOL-MYERS SQUIBB CO COM 110122108   1,112,830 20,521 SH   SOLE   0 0 20,521
INVESCO QQQ TR UNIT SER 1 46090E103   1,108,934 2,498 SH   SOLE   0 0 2,498
CITIGROUP INC COM NEW 172967424   1,086,146 17,175 SH   SOLE   0 0 17,175
STARBUCKS CORP COM 855244109   1,083,489 11,856 SH   SOLE   0 0 11,856
INTEL CORP COM 458140100   1,029,582 23,310 SH   SOLE   0 0 23,310
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,016,842 2,115 SH   SOLE   0 0 2,115
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   989,261 8,176 SH   SOLE   0 0 8,176
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   915,717 18,597 SH   SOLE   0 0 18,597
COCA COLA CO COM 191216100   884,835 14,463 SH   SOLE   0 0 14,463
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   856,341 72,083 SH   SOLE   0 0 72,083
RTX CORPORATION COM 75513E101   848,532 8,700 SH   SOLE   0 0 8,700
JOHNSON & JOHNSON COM 478160104   811,267 5,128 SH   SOLE   0 0 5,128
GENERAL DYNAMICS CORP COM 369550108   768,990 2,722 SH   SOLE   0 0 2,722
ALTRIA GROUP INC COM 02209S103   756,892 17,352 SH   SOLE   0 0 17,352
PROCTER AND GAMBLE CO COM 742718109   755,532 4,657 SH   SOLE   0 0 4,657
DISNEY WALT CO COM 254687106   749,209 6,123 SH   SOLE   0 0 6,123
DELTA AIR LINES INC DEL COM NEW 247361702   748,138 15,629 SH   SOLE   0 0 15,629
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   695,974 33,189 SH   SOLE   0 0 33,189
CHEVRON CORP NEW COM 166764100   694,295 4,402 SH   SOLE   0 0 4,402
WYNN RESORTS LTD COM 983134107   682,488 6,676 SH   SOLE   0 0 6,676
AMGEN INC COM 031162100   666,197 2,343 SH   SOLE   0 0 2,343
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   664,796 17,037 SH   SOLE   0 0 17,037
CATERPILLAR INC COM 149123101   627,358 1,712 SH   SOLE   0 0 1,712
HOME DEPOT INC COM 437076102   600,181 1,565 SH   SOLE   0 0 1,565
MERCK & CO INC COM 58933Y105   596,642 4,522 SH   SOLE   0 0 4,522
3M CO COM 88579Y101   594,451 5,604 SH   SOLE   0 0 5,604
GENERAL MTRS CO COM 37045V100   594,117 13,101 SH   SOLE   0 0 13,101
GILEAD SCIENCES INC COM 375558103   581,702 7,941 SH   SOLE   0 0 7,941
AMERICAN AIRLS GROUP INC COM 02376R102   576,239 37,540 SH   SOLE   0 0 37,540
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   575,614 33,234 SH   SOLE   0 0 33,234
BP PLC SPONSORED ADR 055622104   573,835 15,229 SH   SOLE   0 0 15,229
NORFOLK SOUTHN CORP COM 655844108   562,739 2,208 SH   SOLE   0 0 2,208
ISHARES TR ISHARES BIOTECH 464287556   534,527 3,895 SH   SOLE   0 0 3,895
GOLDMAN SACHS GROUP INC COM 38141G104   530,435 1,270 SH   SOLE   0 0 1,270
ADVANCED MICRO DEVICES INC COM 007903107   528,655 2,929 SH   SOLE   0 0 2,929
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   527,015 20,872 SH   SOLE   0 0 20,872
NEXTERA ENERGY INC COM 65339F101   508,971 7,964 SH   SOLE   0 0 7,964
VISA INC COM CL A 92826C839   508,836 1,823 SH   SOLE   0 0 1,823
COSTCO WHSL CORP NEW COM 22160K105   483,736 660 SH   SOLE   0 0 660
ISHARES TR MSCI EMG MKT ETF 464287234   479,131 11,663 SH   SOLE   0 0 11,663
MEDTRONIC PLC SHS G5960L103   470,610 5,400 SH   SOLE   0 0 5,400
ISHARES TR RUS 1000 GRW ETF 464287614   462,302 1,372 SH   SOLE   0 0 1,372
SCHWAB CHARLES CORP COM 808513105   458,539 6,339 SH   SOLE   0 0 6,339
SPDR SER TR S&P BIOTECH 78464A870   458,265 4,829 SH   SOLE   0 0 4,829
ISHARES TR CORE US AGGBD ET 464287226   457,943 4,676 SH   SOLE   0 0 4,676
ISHARES TR PFD AND INCM SEC 464288687   420,812 13,057 SH   SOLE   0 0 13,057
ISHARES TR RUS 2000 GRW ETF 464287648   402,726 1,487 SH   SOLE   0 0 1,487
ABBOTT LABS COM 002824100   395,057 3,476 SH   SOLE   0 0 3,476
SPDR SER TR S&P 600 SMCP VAL 78464A300   388,956 4,688 SH   SOLE   0 0 4,688
ISHARES TR RUS 1000 VAL ETF 464287598   385,125 2,150 SH   SOLE   0 0 2,150
CLOROX CO DEL COM 189054109   379,198 2,477 SH   SOLE   0 0 2,477
COLGATE PALMOLIVE CO COM 194162103   373,278 4,145 SH   SOLE   0 0 4,145
ISHARES TR RUS 2000 VAL ETF 464287630   369,141 2,324 SH   SOLE   0 0 2,324
VANGUARD INDEX FDS SMALL CP ETF 922908751   366,099 1,602 SH   SOLE   0 0 1,602
PHILIP MORRIS INTL INC COM 718172109   366,004 3,995 SH   SOLE   0 0 3,995
ADOBE INC COM 00724F101   361,294 716 SH   SOLE   0 0 716
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   343,146 1,648 SH   SOLE   0 0 1,648
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   340,939 8,162 SH   SOLE   0 0 8,162
FORD MTR CO DEL COM 345370860   331,369 24,952 SH   SOLE   0 0 24,952
EXXON MOBIL CORP COM 30231G102   325,608 2,801 SH   SOLE   0 0 2,801
ISHARES TR 20 YR TR BD ETF 464287432   309,740 3,274 SH   SOLE   0 0 3,274
WISDOMTREE TR EMER MKT HIGH FD 97717W315   294,690 7,043 SH   SOLE   0 0 7,043
XEROX HOLDINGS CORP COM NEW 98421M106   290,669 16,239 SH   SOLE   0 0 16,239
SCHWAB STRATEGIC TR US TIPS ETF 808524870   290,385 5,567 SH   SOLE   0 0 5,567
BROADCOM INC COM 11135F101   276,945 209 SH   SOLE   0 0 209
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   273,928 4,173 SH   SOLE   0 0 4,173
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   273,048 13,867 SH   SOLE   0 0 13,867
ISHARES TR RUSSELL 2000 ETF 464287655   272,799 1,297 SH   SOLE   0 0 1,297
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   268,821 1,587 SH   SOLE   0 0 1,587
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   267,968 13,116 SH   SOLE   0 0 13,116
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   266,252 4,540 SH   SOLE   0 0 4,540
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   263,884 3,919 SH   SOLE   0 0 3,919
SCHLUMBERGER LTD COM STK 806857108   256,787 4,685 SH   SOLE   0 0 4,685
VANGUARD INDEX FDS SM CP VAL ETF 922908611   255,524 1,332 SH   SOLE   0 0 1,332
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   253,357 2,732 SH   SOLE   0 0 2,732
PAYPAL HLDGS INC COM 70450Y103   250,677 3,742 SH   SOLE   0 0 3,742
ABBVIE INC COM 00287Y109   250,295 1,374 SH   SOLE   0 0 1,374
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   248,976 1,685 SH   SOLE   0 0 1,685
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   241,631 8,704 SH   SOLE   0 0 8,704
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   239,576 3,125 SH   SOLE   0 0 3,125
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   236,821 4,153 SH   SOLE   0 0 4,153
GENERAL ELECTRIC CO COM NEW 369604301   233,452 1,330 SH   SOLE   0 0 1,330
ISHARES INC MSCI MEXICO ETF 464286822   229,465 3,311 SH   SOLE   0 0 3,311
SELECT SECTOR SPDR TR ENERGY 81369Y506   226,370 2,398 SH   SOLE   0 0 2,398
GENERAL MLS INC COM 370334104   224,257 3,205 SH   SOLE   0 0 3,205
MASTERCARD INCORPORATED CL A 57636Q104   222,089 461 SH   SOLE   0 0 461
PROSHARES TR S&P 500 DV ARIST 74348A467   220,719 2,177 SH   SOLE   0 0 2,177
ALASKA AIR GROUP INC COM 011659109   217,133 5,051 SH   SOLE   0 0 5,051
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   217,128 3,222 SH   SOLE   0 0 3,222
DOW INC COM 260557103   208,581 3,601 SH   SOLE   0 0 3,601
NORTHROP GRUMMAN CORP COM 666807102   207,872 434 SH   SOLE   0 0 434
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   207,501 11,192 SH   SOLE   0 0 11,192
MORGAN STANLEY COM NEW 617446448   204,733 2,174 SH   SOLE   0 0 2,174
REALTY INCOME CORP COM 756109104   203,605 3,763 SH   SOLE   0 0 3,763
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   203,392 4,829 SH   SOLE   0 0 4,829
WARNER BROS DISCOVERY INC COM SER A 934423104   88,889 10,182 SH   SOLE   0 0 10,182
NEW YORK CMNTY BANCORP INC COM 649445103   48,300 15,000 SH   SOLE   0 0 15,000