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
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109   544,216 3,367 SH   SOLE 0 0 0 3,367
ADOBE SYSTEMS INCORPORATED COM 00724F101   737,001 2,190 SH   SOLE 0 0 0 2,190
ALPHABET INC CAP STK CL A 02079K305   961,972 10,903 SH   SOLE 0 0 0 10,903
ALPHABET INC CAP STK CL C 02079K107   525,282 5,920 SH   SOLE 0 0 0 5,920
AMAZON COM INC COM 023135106   4,356,660 51,865 SH   SOLE 0 0 0 51,865
AMGEN INC COM 031162100   453,495 1,727 SH   SOLE 0 0 0 1,727
APPLE INC COM 037833100   19,015,289 146,350 SH   SOLE 0 0 0 146,350
AUTOZONE INC COM 053332102   221,956 90 SH   SOLE 0 0 0 90
BANK AMERICA CORP COM 060505104   283,166 8,550 SH   SOLE 0 0 0 8,550
BECTON DICKINSON & CO COM 075887109   262,438 1,032 SH   SOLE 0 0 0 1,032
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,037,723 9,834 SH   SOLE 0 0 0 9,834
BLACKROCK INC COM 09247X101   236,682 334 SH   SOLE 0 0 0 334
BP PLC SPONSORED ADR 055622104   347,204 9,940 SH   SOLE 0 0 0 9,940
BRISTOL-MYERS SQUIBB CO COM 110122108   354,467 4,927 SH   SOLE 0 0 0 4,927
CHEVRON CORP NEW COM 166764100   2,820,109 15,712 SH   SOLE 0 0 0 15,712
CISCO SYS INC COM 17275R102   438,574 9,206 SH   SOLE 0 0 0 9,206
COSTCO WHSL CORP NEW COM 22160K105   720,525 1,578 SH   SOLE 0 0 0 1,578
DBX ETF TR XTRACK MSCI EAFE 233051200   5,983,012 185,635 SH   SOLE 0 0 0 185,635
DEERE & CO COM 244199105   521,801 1,217 SH   SOLE 0 0 0 1,217
DISNEY WALT CO COM 254687106   285,661 3,288 SH   SOLE 0 0 0 3,288
ELECTRONIC ARTS INC COM 285512109   348,091 2,849 SH   SOLE 0 0 0 2,849
EXXON MOBIL CORP COM 30231G102   972,319 8,815 SH   SOLE 0 0 0 8,815
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,416,110 57,078 SH   SOLE 0 0 0 57,078
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   2,001,765 119,153 SH   SOLE 0 0 0 119,153
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   1,755,222 29,529 SH   SOLE 0 0 0 29,529
FORD MTR CO DEL COM 345370860   303,154 26,067 SH   SOLE 0 0 0 26,067
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106   267,682 16,382 SH   SOLE 0 0 0 16,382
GENERAL DYNAMICS CORP COM 369550108   408,141 1,645 SH   SOLE 0 0 0 1,645
GENERAL MLS INC COM 370334104   274,944 3,279 SH   SOLE 0 0 0 3,279
GILEAD SCIENCES INC COM 375558103   252,599 2,942 SH   SOLE 0 0 0 2,942
GRAPHITE BIO INC COM 38870X104   47,141 14,199 SH   SOLE 0 0 0 14,199
HEICO CORP NEW COM 422806109   611,948 3,983 SH   SOLE 0 0 0 3,983
HOME DEPOT INC COM 437076102   1,520,191 4,813 SH   SOLE 0 0 0 4,813
HONEYWELL INTL INC COM 438516106   334,522 1,561 SH   SOLE 0 0 0 1,561
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   560,267 26,242 SH   SOLE 0 0 0 26,242
INGREDION INC COM 457187102   227,491 2,323 SH   SOLE 0 0 0 2,323
INTEL CORP COM 458140100   1,085,903 41,086 SH   SOLE 0 0 0 41,086
INTERNATIONAL BUSINESS MACHS COM 459200101   347,196 2,464 SH   SOLE 0 0 0 2,464
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   232,445 15,727 SH   SOLE 0 0 0 15,727
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,141,805 17,869 SH   SOLE 0 0 0 17,869
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   11,014,934 100,565 SH   SOLE 0 0 0 100,565
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   311,032 27,820 SH   SOLE 0 0 0 27,820
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   1,110,492 46,002 SH   SOLE 0 0 0 46,002
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,020,819 6,580 SH   SOLE 0 0 0 6,580
INVESCO QQQ TR UNIT SER 1 46090E103   19,182,582 72,039 SH   SOLE 0 0 0 72,039
ISHARES INC MSCI EM ASIA ETF 464286426   695,561 10,985 SH   SOLE 0 0 0 10,985
ISHARES INC CORE MSCI EMKT 46434G103   882,796 18,904 SH   SOLE 0 0 0 18,904
ISHARES TR CORE MSCI TOTAL 46432F834   370,307 6,398 SH   SOLE 0 0 0 6,398
ISHARES TR MSCI USA MIN VOL 46429B697   2,564,237 35,565 SH   SOLE 0 0 0 35,565
ISHARES TR 0-5 YR TIPS ETF 46429B747   934,500 9,638 SH   SOLE 0 0 0 9,638
ISHARES TR CORE HIGH DV ETF 46429B663   249,597 2,394 SH   SOLE 0 0 0 2,394
ISHARES TR CORE TOTAL USD 46434V613   804,115 17,897 SH   SOLE 0 0 0 17,897
ISHARES TR HDG MSCI EAFE 46434V803   283,500 10,500 SH   SOLE 0 0 0 10,500
ISHARES TR CORE INTL AGGR 46435G672   2,538,027 53,376 SH   SOLE 0 0 0 53,376
ISHARES TR ESG AW MSCI EAFE 46435G516   221,873 3,375 SH   SOLE 0 0 0 3,375
ISHARES TR RUS MID CAP ETF 464287499   10,062,422 149,183 SH   SOLE 0 0 0 149,183
ISHARES TR RUS MD CP GR ETF 464287481   421,595 5,043 SH   SOLE 0 0 0 5,043
ISHARES TR CORE S&P MCP ETF 464287507   12,099,975 50,023 SH   SOLE 0 0 0 50,023
ISHARES TR S&P MC 400VL ETF 464287705   480,190 4,764 SH   SOLE 0 0 0 4,764
ISHARES TR CORE S&P SCP ETF 464287804   8,966,794 94,746 SH   SOLE 0 0 0 94,746
ISHARES TR S&P 500 VAL ETF 464287408   902,957 6,224 SH   SOLE 0 0 0 6,224
ISHARES TR CORE S&P500 ETF 464287200   37,184,642 96,782 SH   SOLE 0 0 0 96,782
ISHARES TR RUS 1000 ETF 464287622   3,549,574 16,861 SH   SOLE 0 0 0 16,861
ISHARES TR RUS 1000 GRW ETF 464287614   310,220 1,448 SH   SOLE 0 0 0 1,448
ISHARES TR RUSSELL 2000 ETF 464287655   15,008,232 86,076 SH   SOLE 0 0 0 86,076
ISHARES TR MSCI EAFE ETF 464287465   4,495,282 68,484 SH   SOLE 0 0 0 68,484
ISHARES TR ISHARES SEMICDTR 464287523   282,560 812 SH   SOLE 0 0 0 812
ISHARES TR MSCI EMG MKT ETF 464287234   787,572 20,780 SH   SOLE 0 0 0 20,780
ISHARES TR 1 3 YR TREAS BD 464287457   10,681,946 131,600 SH   SOLE 0 0 0 131,600
ISHARES TR IBOXX INV CP ETF 464287242   398,227 3,777 SH   SOLE 0 0 0 3,777
ISHARES TR EAFE GRWTH ETF 464288885   2,387,008 28,498 SH   SOLE 0 0 0 28,498
ISHARES TR IBOXX HI YD ETF 464288513   3,701,133 50,267 SH   SOLE 0 0 0 50,267
ISHARES TR ISHS 1-5YR INVS 464288646   12,086,171 242,597 SH   SOLE 0 0 0 242,597
ISHARES TR CORE US AGGBD ET 464287226   1,124,917 11,598 SH   SOLE 0 0 0 11,598
ISHARES TR SELECT DIVID ETF 464287168   560,636 4,649 SH   SOLE 0 0 0 4,649
ISHARES TR TIPS BD ETF 464287176   4,351,272 40,880 SH   SOLE 0 0 0 40,880
ISHARES TR GL TIMB FORE ETF 464288174   509,909 7,009 SH   SOLE 0 0 0 7,009
ISHARES TR MODERT ALLOC ETF 464289875   3,381,636 88,967 SH   SOLE 0 0 0 88,967
ISHARES TR GRWT ALLOCAT ETF 464289867   2,111,448 44,772 SH   SOLE 0 0 0 44,772
ISHARES TR AGGRES ALLOC ETF 464289859   463,122 7,751 SH   SOLE 0 0 0 7,751
ISHARES TR US AER DEF ETF 464288760   1,551,673 13,872 SH   SOLE 0 0 0 13,872
ISHARES TR CORE S&P TTL STK 464287150   261,740 3,087 SH   SOLE 0 0 0 3,087
ISHARES TR PFD AND INCM SEC 464288687   1,172,602 38,408 SH   SOLE 0 0 0 38,408
ISHARES TR NATIONAL MUN ETF 464288414   2,918,219 27,656 SH   SOLE 0 0 0 27,656
ISHARES TR MSCI ACWI EX US 464288240   205,029 4,506 SH   SOLE 0 0 0 4,506
ISHARES TR CALIF MUN BD ETF 464288356   5,204,854 92,762 SH   SOLE 0 0 0 92,762
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,682,003 33,553 SH   SOLE 0 0 0 33,553
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   571,385 11,595 SH   SOLE 0 0 0 11,595
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   931,933 20,655 SH   SOLE 0 0 0 20,655
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   2,036,720 44,567 SH   SOLE 0 0 0 44,567
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   244,068 4,830 SH   SOLE 0 0 0 4,830
JOHNSON & JOHNSON COM 478160104   943,977 5,344 SH   SOLE 0 0 0 5,344
JPMORGAN CHASE & CO COM 46625H100   806,162 6,012 SH   SOLE 0 0 0 6,012
LABORATORY CORP AMER HLDGS COM NEW 50540R409   231,006 981 SH   SOLE 0 0 0 981
LAM RESEARCH CORP COM 512807108   393,401 936 SH   SOLE 0 0 0 936
LILLY ELI & CO COM 532457108   257,983 705 SH   SOLE 0 0 0 705
LISTED FD TR CORE ALT FD 53656F847   4,355,234 137,911 SH   SOLE 0 0 0 137,911
MASTERCARD INCORPORATED CL A 57636Q104   210,689 606 SH   SOLE 0 0 0 606
MCDONALDS CORP COM 580135101   679,380 2,578 SH   SOLE 0 0 0 2,578
MCKESSON CORP COM 58155Q103   262,209 699 SH   SOLE 0 0 0 699
MERCK & CO INC COM 58933Y105   287,471 2,591 SH   SOLE 0 0 0 2,591
META PLATFORMS INC CL A 30303M102   242,365 2,014 SH   SOLE 0 0 0 2,014
MICROSOFT CORP COM 594918104   2,454,096 10,233 SH   SOLE 0 0 0 10,233
NETFLIX INC COM 64110L106   378,626 1,284 SH   SOLE 0 0 0 1,284
NVIDIA CORPORATION COM 67066G104   217,244 1,487 SH   SOLE 0 0 0 1,487
ORACLE CORP COM 68389X105   344,861 4,219 SH   SOLE 0 0 0 4,219
OUSTER INC COM 68989M103   30,444 35,277 SH   SOLE 0 0 0 35,277
PEPSICO INC COM 713448108   1,591,434 8,809 SH   SOLE 0 0 0 8,809
PFIZER INC COM 717081103   684,494 13,359 SH   SOLE 0 0 0 13,359
PHILIP MORRIS INTL INC COM 718172109   324,479 3,206 SH   SOLE 0 0 0 3,206
PROCTER AND GAMBLE CO COM 742718109   709,553 4,682 SH   SOLE 0 0 0 4,682
PROSPECT CAP CORP COM 74348T102   349,500 50,000 SH   SOLE 0 0 0 50,000
SCHWAB CHARLES CORP COM 808513105   319,798 3,841 SH   SOLE 0 0 0 3,841
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,946,382 72,732 SH   SOLE 0 0 0 72,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,179,377 21,227 SH   SOLE 0 0 0 21,227
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   679,154 10,287 SH   SOLE 0 0 0 10,287
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,598,994 67,554 SH   SOLE 0 0 0 67,554
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,273,107 47,121 SH   SOLE 0 0 0 47,121
SCHWAB STRATEGIC TR US TIPS ETF 808524870   593,710 11,464 SH   SOLE 0 0 0 11,464
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,407,713 276,896 SH   SOLE 0 0 0 276,896
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,151,850 159,946 SH   SOLE 0 0 0 159,946
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,296,478 161,605 SH   SOLE 0 0 0 161,605
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   944,846 42,143 SH   SOLE 0 0 0 42,143
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   212,024 6,783 SH   SOLE 0 0 0 6,783
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   655,106 12,259 SH   SOLE 0 0 0 12,259
SCHWAB STRATEGIC TR US REIT ETF 808524847   506,751 26,270 SH   SOLE 0 0 0 26,270
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,975,027 30,103 SH   SOLE 0 0 0 30,103
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   4,373,700 95,809 SH   SOLE 0 0 0 95,809
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   27,489,416 363,905 SH   SOLE 0 0 0 363,905
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   364,475 4,692 SH   SOLE 0 0 0 4,692
SELECT SECTOR SPDR TR ENERGY 81369Y506   595,583 6,809 SH   SOLE 0 0 0 6,809
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,379,505 43,230 SH   SOLE 0 0 0 43,230
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   918,346 6,760 SH   SOLE 0 0 0 6,760
SOUTHWEST AIRLS CO COM 844741108   241,044 7,159 SH   SOLE 0 0 0 7,159
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   638,473 1,927 SH   SOLE 0 0 0 1,927
SPDR GOLD TR GOLD SHS 78463V107   2,743,248 16,171 SH   SOLE 0 0 0 16,171
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   19,057,444 792,080 SH   SOLE 0 0 0 792,080
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,963,735 28,669 SH   SOLE 0 0 0 28,669
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,652,790 10,508 SH   SOLE 0 0 0 10,508
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,448,248 19,513 SH   SOLE 0 0 0 19,513
SPDR SER TR BLOOMBERG HIGH Y 78468R622   430,003 4,778 SH   SOLE 0 0 0 4,778
SPDR SER TR PORTFOLIO SHORT 78464A474   234,672 7,987 SH   SOLE 0 0 0 7,987
SPDR SER TR BLOOMBERG INTL 78464A151   3,373,588 121,702 SH   SOLE 0 0 0 121,702
SPDR SER TR PORTFOLIO AGRGTE 78464A649   7,784,153 309,755 SH   SOLE 0 0 0 309,755
SPDR SER TR S&P DIVID ETF 78464A763   1,847,541 14,767 SH   SOLE 0 0 0 14,767
SPDR SER TR S&P 400 MDCP VAL 78464A839   3,147,202 48,628 SH   SOLE 0 0 0 48,628
SPDR SER TR NUVEEN BLMBRG SH 78468R739   316,123 6,729 SH   SOLE 0 0 0 6,729
SPDR SER TR NUVEEN BLOOMBERG 78464A284   424,673 8,672 SH   SOLE 0 0 0 8,672
SPROTT FOCUS TR INC COM 85208J109   328,283 41,190 SH   SOLE 0 0 0 41,190
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,173,178 65,431 SH   SOLE 0 0 0 65,431
STARBUCKS CORP COM 855244109   396,228 3,994 SH   SOLE 0 0 0 3,994
TARGET CORP COM 87612E106   230,754 1,548 SH   SOLE 0 0 0 1,548
TESLA INC COM 88160R101   982,853 7,979 SH   SOLE 0 0 0 7,979
TRAVELERS COMPANIES INC COM 89417E109   205,864 1,098 SH   SOLE 0 0 0 1,098
UNION PAC CORP COM 907818108   510,635 2,466 SH   SOLE 0 0 0 2,466
UNITEDHEALTH GROUP INC COM 91324P102   381,744 720 SH   SOLE 0 0 0 720
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   475,704 6,319 SH   SOLE 0 0 0 6,319
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,186,850 56,335 SH   SOLE 0 0 0 56,335
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,469,555 178,570 SH   SOLE 0 0 0 178,570
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   433,264 3,204 SH   SOLE 0 0 0 3,204
VANGUARD INDEX FDS SMALL CP ETF 922908751   864,275 4,709 SH   SOLE 0 0 0 4,709
VANGUARD INDEX FDS GROWTH ETF 922908736   3,603,265 16,908 SH   SOLE 0 0 0 16,908
VANGUARD INDEX FDS VALUE ETF 922908744   8,756,740 62,383 SH   SOLE 0 0 0 62,383
VANGUARD INDEX FDS MID CAP ETF 922908629   1,810,417 8,883 SH   SOLE 0 0 0 8,883
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,999,732 24,245 SH   SOLE 0 0 0 24,245
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,404,474 29,614 SH   SOLE 0 0 0 29,614
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,912,938 28,203 SH   SOLE 0 0 0 28,203
VANGUARD INDEX FDS TOTAL STK MKT 922908769   10,480,594 54,818 SH   SOLE 0 0 0 54,818
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   226,396 1,704 SH   SOLE 0 0 0 1,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,846,788 98,686 SH   SOLE 0 0 0 98,686
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,120,450 82,179 SH   SOLE 0 0 0 82,179
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,452,949 52,514 SH   SOLE 0 0 0 52,514
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   607,850 12,282 SH   SOLE 0 0 0 12,282
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   632,379 8,410 SH   SOLE 0 0 0 8,410
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   417,787 5,937 SH   SOLE 0 0 0 5,937
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   1,177,038 20,357 SH   SOLE 0 0 0 20,357
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,447,473 121,485 SH   SOLE 0 0 0 121,485
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,528,940 155,562 SH   SOLE 0 0 0 155,562
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,844,006 17,041 SH   SOLE 0 0 0 17,041
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,641,613 23,576 SH   SOLE 0 0 0 23,576
VANGUARD WORLD FD ESG US STK ETF 921910733   343,830 5,221 SH   SOLE 0 0 0 5,221
VANGUARD WORLD FD ESG INTL STK ETF 921910725   324,152 6,590 SH   SOLE 0 0 0 6,590
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,738,023 5,441 SH   SOLE 0 0 0 5,441
VANGUARD WORLD FDS MATERIALS ETF 92204A801   263,980 1,551 SH   SOLE 0 0 0 1,551
VISA INC COM CL A 92826C839   551,586 2,655 SH   SOLE 0 0 0 2,655
WALMART INC COM 931142103   517,133 3,647 SH   SOLE 0 0 0 3,647
WELLS FARGO CO NEW COM 949746101   1,035,594 25,081 SH   SOLE 0 0 0 25,081
WISDOMTREE TR EM EX ST-OWNED 97717X578   7,315,349 274,188 SH   SOLE 0 0 0 274,188
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,343,797 38,830 SH   SOLE 0 0 0 38,830
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,043,975 56,479 SH   SOLE 0 0 0 56,479