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
ABBVIE INC COM 00287Y109   551,277 3,459 SH   SOLE 0 0 0 3,459
ADOBE SYSTEMS INCORPORATED COM 00724F101   951,479 2,469 SH   SOLE 0 0 0 2,469
ADVANCED MICRO DEVICES INC COM 007903107   243,359 2,483 SH   SOLE 0 0 0 2,483
ALPHABET INC CAP STK CL A 02079K305   1,053,586 10,157 SH   SOLE 0 0 0 10,157
ALPHABET INC CAP STK CL C 02079K107   615,680 5,920 SH   SOLE 0 0 0 5,920
AMAZON COM INC COM 023135106   5,411,466 52,391 SH   SOLE 0 0 0 52,391
AMGEN INC COM 031162100   361,167 1,494 SH   SOLE 0 0 0 1,494
APPLE INC COM 037833100   23,618,028 143,226 SH   SOLE 0 0 0 143,226
BANK AMERICA CORP COM 060505104   248,659 8,694 SH   SOLE 0 0 0 8,694
BECTON DICKINSON & CO COM 075887109   255,461 1,032 SH   SOLE 0 0 0 1,032
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,042,002 9,852 SH   SOLE 0 0 0 9,852
BLACKROCK INC COM 09247X101   228,170 341 SH   SOLE 0 0 0 341
BP PLC SPONSORED ADR 055622104   377,124 9,940 SH   SOLE 0 0 0 9,940
BRISTOL-MYERS SQUIBB CO COM 110122108   341,871 4,932 SH   SOLE 0 0 0 4,932
CHEVRON CORP NEW COM 166764100   2,523,307 15,465 SH   SOLE 0 0 0 15,465
CISCO SYS INC COM 17275R102   476,696 9,119 SH   SOLE 0 0 0 9,119
COSTCO WHSL CORP NEW COM 22160K105   814,080 1,638 SH   SOLE 0 0 0 1,638
DBX ETF TR XTRACK MSCI EAFE 233051200   6,171,294 175,321 SH   SOLE 0 0 0 175,321
DEERE & CO COM 244199105   472,335 1,144 SH   SOLE 0 0 0 1,144
DISNEY WALT CO COM 254687106   347,251 3,468 SH   SOLE 0 0 0 3,468
ELECTRONIC ARTS INC COM 285512109   280,287 2,327 SH   SOLE 0 0 0 2,327
EXXON MOBIL CORP COM 30231G102   992,055 9,047 SH   SOLE 0 0 0 9,047
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,417,867 56,920 SH   SOLE 0 0 0 56,920
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,473,744 92,340 SH   SOLE 0 0 0 92,340
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   779,018 13,091 SH   SOLE 0 0 0 13,091
FISERV INC COM 337738108   206,845 1,830 SH   SOLE 0 0 0 1,830
FORD MTR CO DEL COM 345370860   327,895 26,023 SH   SOLE 0 0 0 26,023
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106   348,281 16,382 SH   SOLE 0 0 0 16,382
GENERAL DYNAMICS CORP COM 369550108   375,405 1,645 SH   SOLE 0 0 0 1,645
GENERAL MLS INC COM 370334104   299,708 3,507 SH   SOLE 0 0 0 3,507
GILEAD SCIENCES INC COM 375558103   244,913 2,952 SH   SOLE 0 0 0 2,952
HEICO CORP NEW COM 422806109   681,252 3,983 SH   SOLE 0 0 0 3,983
HOME DEPOT INC COM 437076102   1,443,837 4,892 SH   SOLE 0 0 0 4,892
HONEYWELL INTL INC COM 438516106   305,983 1,601 SH   SOLE 0 0 0 1,601
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   601,135 26,057 SH   SOLE 0 0 0 26,057
INGREDION INC COM 457187102   236,319 2,323 SH   SOLE 0 0 0 2,323
INTEL CORP COM 458140100   1,308,532 40,053 SH   SOLE 0 0 0 40,053
INTERNATIONAL BUSINESS MACHS COM 459200101   331,872 2,532 SH   SOLE 0 0 0 2,532
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   146,438 10,298 SH   SOLE 0 0 0 10,298
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,028,202 16,478 SH   SOLE 0 0 0 16,478
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   15,283,951 115,779 SH   SOLE 0 0 0 115,779
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   212,384 18,500 SH   SOLE 0 0 0 18,500
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   1,110,377 44,828 SH   SOLE 0 0 0 44,828
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   997,661 6,363 SH   SOLE 0 0 0 6,363
INVESCO QQQ TR UNIT SER 1 46090E103   22,539,063 70,230 SH   SOLE 0 0 0 70,230
ISHARES INC MSCI EM ASIA ETF 464286426   360,385 5,423 SH   SOLE 0 0 0 5,423
ISHARES INC CORE MSCI EMKT 46434G103   849,851 17,419 SH   SOLE 0 0 0 17,419
ISHARES TR CORE MSCI TOTAL 46432F834   1,771,885 28,602 SH   SOLE 0 0 0 28,602
ISHARES TR MSCI USA MIN VOL 46429B697   2,633,879 36,209 SH   SOLE 0 0 0 36,209
ISHARES TR CORE HIGH DV ETF 46429B663   240,802 2,369 SH   SOLE 0 0 0 2,369
ISHARES TR CORE TOTAL USD 46434V613   2,268,037 49,145 SH   SOLE 0 0 0 49,145
ISHARES TR CORE INTL AGGR 46435G672   2,715,238 55,470 SH   SOLE 0 0 0 55,470
ISHARES TR ESG AW MSCI EAFE 46435G516   242,460 3,375 SH   SOLE 0 0 0 3,375
ISHARES TR HDG MSCI EAFE 46434V803   265,230 9,000 SH   SOLE 0 0 0 9,000
ISHARES TR MSCI EAFE ETF 464287465   4,678,901 65,421 SH   SOLE 0 0 0 65,421
ISHARES TR RUS MID CAP ETF 464287499   9,988,099 142,850 SH   SOLE 0 0 0 142,850
ISHARES TR RUS MD CP GR ETF 464287481   372,395 4,090 SH   SOLE 0 0 0 4,090
ISHARES TR CORE S&P MCP ETF 464287507   12,310,769 49,212 SH   SOLE 0 0 0 49,212
ISHARES TR S&P MC 400VL ETF 464287705   495,162 4,818 SH   SOLE 0 0 0 4,818
ISHARES TR CORE S&P SCP ETF 464287804   8,974,076 92,803 SH   SOLE 0 0 0 92,803
ISHARES TR S&P 500 VAL ETF 464287408   889,672 5,862 SH   SOLE 0 0 0 5,862
ISHARES TR CORE S&P500 ETF 464287200   41,490,965 100,932 SH   SOLE 0 0 0 100,932
ISHARES TR RUS 1000 ETF 464287622   3,698,507 16,421 SH   SOLE 0 0 0 16,421
ISHARES TR RUS 1000 GRW ETF 464287614   312,987 1,281 SH   SOLE 0 0 0 1,281
ISHARES TR RUSSELL 2000 ETF 464287655   14,545,059 81,531 SH   SOLE 0 0 0 81,531
ISHARES TR 1 3 YR TREAS BD 464287457   4,467,589 54,377 SH   SOLE 0 0 0 54,377
ISHARES TR IBOXX INV CP ETF 464287242   256,788 2,343 SH   SOLE 0 0 0 2,343
ISHARES TR MSCI EMG MKT ETF 464287234   706,857 17,913 SH   SOLE 0 0 0 17,913
ISHARES TR EAFE GRWTH ETF 464288885   2,983,444 31,847 SH   SOLE 0 0 0 31,847
ISHARES TR US AER DEF ETF 464288760   1,589,733 13,814 SH   SOLE 0 0 0 13,814
ISHARES TR CORE S&P TTL STK 464287150   280,669 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR SELECT DIVID ETF 464287168   548,677 4,682 SH   SOLE 0 0 0 4,682
ISHARES TR TIPS BD ETF 464287176   4,659,610 42,264 SH   SOLE 0 0 0 42,264
ISHARES TR ISHARES SEMICDTR 464287523   361,072 812 SH   SOLE 0 0 0 812
ISHARES TR CORE US AGGBD ET 464287226   1,542,564 15,481 SH   SOLE 0 0 0 15,481
ISHARES TR GL TIMB FORE ETF 464288174   492,471 6,879 SH   SOLE 0 0 0 6,879
ISHARES TR MODERT ALLOC ETF 464289875   3,520,555 88,323 SH   SOLE 0 0 0 88,323
ISHARES TR GRWT ALLOCAT ETF 464289867   2,520,361 50,377 SH   SOLE 0 0 0 50,377
ISHARES TR AGGRES ALLOC ETF 464289859   531,549 8,359 SH   SOLE 0 0 0 8,359
ISHARES TR IBOXX HI YD ETF 464288513   3,608,389 47,762 SH   SOLE 0 0 0 47,762
ISHARES TR ISHS 1-5YR INVS 464288646   6,081,171 120,324 SH   SOLE 0 0 0 120,324
ISHARES TR PFD AND INCM SEC 464288687   1,108,028 35,491 SH   SOLE 0 0 0 35,491
ISHARES TR NATIONAL MUN ETF 464288414   2,964,950 27,519 SH   SOLE 0 0 0 27,519
ISHARES TR MSCI ACWI EX US 464288240   219,764 4,506 SH   SOLE 0 0 0 4,506
ISHARES TR CALIF MUN BD ETF 464288356   5,374,273 93,596 SH   SOLE 0 0 0 93,596
ISHARES TR 0-5 YR TIPS ETF 46429B747   965,210 9,727 SH   SOLE 0 0 0 9,727
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   1,389,013 30,344 SH   SOLE 0 0 0 30,344
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   769,692 16,631 SH   SOLE 0 0 0 16,631
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,052,088 20,908 SH   SOLE 0 0 0 20,908
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   494,348 9,450 SH   SOLE 0 0 0 9,450
JOHNSON & JOHNSON COM 478160104   918,495 5,926 SH   SOLE 0 0 0 5,926
JPMORGAN CHASE & CO COM 46625H100   800,541 6,143 SH   SOLE 0 0 0 6,143
LABORATORY CORP AMER HLDGS COM NEW 50540R409   225,061 981 SH   SOLE 0 0 0 981
LAM RESEARCH CORP COM 512807108   451,132 851 SH   SOLE 0 0 0 851
LILLY ELI & CO COM 532457108   242,541 706 SH   SOLE 0 0 0 706
LISTED FD TR CORE ALT FD 53656F847   4,076,591 136,661 SH   SOLE 0 0 0 136,661
MCDONALDS CORP COM 580135101   732,019 2,618 SH   SOLE 0 0 0 2,618
MCKESSON CORP COM 58155Q103   248,879 699 SH   SOLE 0 0 0 699
MERCK & CO INC COM 58933Y105   275,656 2,591 SH   SOLE 0 0 0 2,591
META PLATFORMS INC CL A 30303M102   396,116 1,869 SH   SOLE 0 0 0 1,869
MICROSOFT CORP COM 594918104   2,948,061 10,226 SH   SOLE 0 0 0 10,226
NETFLIX INC COM 64110L106   443,596 1,284 SH   SOLE 0 0 0 1,284
NIKE INC CL B 654106103   200,639 1,636 SH   SOLE 0 0 0 1,636
NVIDIA CORPORATION COM 67066G104   433,754 1,562 SH   SOLE 0 0 0 1,562
ORACLE CORP COM 68389X105   454,565 4,892 SH   SOLE 0 0 0 4,892
OUSTER INC COM 68989M103   29,516 35,277 SH   SOLE 0 0 0 35,277
PALO ALTO NETWORKS INC COM 697435105   234,295 1,173 SH   SOLE 0 0 0 1,173
PEPSICO INC COM 713448108   1,624,111 8,909 SH   SOLE 0 0 0 8,909
PFIZER INC COM 717081103   527,908 12,939 SH   SOLE 0 0 0 12,939
PHILIP MORRIS INTL INC COM 718172109   311,784 3,206 SH   SOLE 0 0 0 3,206
PROCTER AND GAMBLE CO COM 742718109   738,286 4,965 SH   SOLE 0 0 0 4,965
PROSPECT CAP CORP COM 74348T102   348,000 50,000 SH   SOLE 0 0 0 50,000
SALESFORCE INC COM 79466L302   286,285 1,433 SH   SOLE 0 0 0 1,433
SCHWAB CHARLES CORP COM 808513105   214,342 4,092 SH   SOLE 0 0 0 4,092
SCHWAB STRATEGIC TR US REIT ETF 808524847   477,180 24,471 SH   SOLE 0 0 0 24,471
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,913,645 42,942 SH   SOLE 0 0 0 42,942
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,235,861 25,330 SH   SOLE 0 0 0 25,330
SCHWAB STRATEGIC TR US TIPS ETF 808524870   722,581 13,478 SH   SOLE 0 0 0 13,478
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,175,370 75,730 SH   SOLE 0 0 0 75,730
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,366,362 20,966 SH   SOLE 0 0 0 20,966
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   616,182 9,396 SH   SOLE 0 0 0 9,396
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,346,602 258,027 SH   SOLE 0 0 0 258,027
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,171,310 177,336 SH   SOLE 0 0 0 177,336
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,691,109 159,006 SH   SOLE 0 0 0 159,006
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,282,875 176,569 SH   SOLE 0 0 0 176,569
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   27,442,902 375,108 SH   SOLE 0 0 0 375,108
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,772,607 72,292 SH   SOLE 0 0 0 72,292
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   219,946 6,639 SH   SOLE 0 0 0 6,639
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,052,519 19,165 SH   SOLE 0 0 0 19,165
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   984,497 41,663 SH   SOLE 0 0 0 41,663
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   373,133 4,626 SH   SOLE 0 0 0 4,626
SELECT SECTOR SPDR TR ENERGY 81369Y506   564,404 6,814 SH   SOLE 0 0 0 6,814
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   6,831,739 45,240 SH   SOLE 0 0 0 45,240
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   920,461 7,110 SH   SOLE 0 0 0 7,110
SOUTHWEST AIRLS CO COM 844741108   232,971 7,160 SH   SOLE 0 0 0 7,160
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   632,643 1,902 SH   SOLE 0 0 0 1,902
SPDR GOLD TR GOLD SHS 78463V107   2,948,010 16,090 SH   SOLE 0 0 0 16,090
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   20,909,342 812,644 SH   SOLE 0 0 0 812,644
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,859,162 28,968 SH   SOLE 0 0 0 28,968
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   4,745,163 10,351 SH   SOLE 0 0 0 10,351
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,255,463 16,480 SH   SOLE 0 0 0 16,480
SPDR SER TR PORTFOLIO AGRGTE 78464A649   17,973,607 696,922 SH   SOLE 0 0 0 696,922
SPDR SER TR BLOOMBERG HIGH Y 78468R622   586,218 6,316 SH   SOLE 0 0 0 6,316
SPDR SER TR S&P DIVID ETF 78464A763   1,770,121 14,309 SH   SOLE 0 0 0 14,309
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,556,325 38,685 SH   SOLE 0 0 0 38,685
SPDR SER TR BLOOMBERG INTL 78464A151   4,840,373 169,600 SH   SOLE 0 0 0 169,600
SPDR SER TR NUVEEN BLOOMBERG 78464A284   422,741 16,883 SH   SOLE 0 0 0 16,883
SPROTT FOCUS TR INC COM 85208J109   326,883 40,381 SH   SOLE 0 0 0 40,381
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,322,168 69,919 SH   SOLE 0 0 0 69,919
STARBUCKS CORP COM 855244109   430,425 4,134 SH   SOLE 0 0 0 4,134
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   257,851 2,772 SH   SOLE 0 0 0 2,772
TARGET CORP COM 87612E106   273,010 1,648 SH   SOLE 0 0 0 1,648
TESLA INC COM 88160R101   1,692,874 8,160 SH   SOLE 0 0 0 8,160
UNION PAC CORP COM 907818108   439,753 2,185 SH   SOLE 0 0 0 2,185
UNITEDHEALTH GROUP INC COM 91324P102   339,807 719 SH   SOLE 0 0 0 719
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   315,211 4,121 SH   SOLE 0 0 0 4,121
VANGUARD BD INDEX FDS INTERMED TERM 921937819   7,659,803 99,815 SH   SOLE 0 0 0 99,815
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,638,963 176,594 SH   SOLE 0 0 0 176,594
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,010,168 29,277 SH   SOLE 0 0 0 29,277
VANGUARD INDEX FDS VALUE ETF 922908744   8,735,997 63,254 SH   SOLE 0 0 0 63,254
VANGUARD INDEX FDS MID CAP ETF 922908629   1,596,818 7,571 SH   SOLE 0 0 0 7,571
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,100,829 25,299 SH   SOLE 0 0 0 25,299
VANGUARD INDEX FDS SMALL CP ETF 922908751   825,716 4,356 SH   SOLE 0 0 0 4,356
VANGUARD INDEX FDS GROWTH ETF 922908736   3,760,377 15,075 SH   SOLE 0 0 0 15,075
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,913,404 26,302 SH   SOLE 0 0 0 26,302
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   404,570 3,018 SH   SOLE 0 0 0 3,018
VANGUARD INDEX FDS TOTAL STK MKT 922908769   11,434,523 56,024 SH   SOLE 0 0 0 56,024
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   206,659 1,474 SH   SOLE 0 0 0 1,474
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   4,395,528 82,205 SH   SOLE 0 0 0 82,205
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,141,918 102,523 SH   SOLE 0 0 0 102,523
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,205,086 46,112 SH   SOLE 0 0 0 46,112
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   887,879 17,526 SH   SOLE 0 0 0 17,526
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   1,739,564 24,134 SH   SOLE 0 0 0 24,134
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   532,005 9,088 SH   SOLE 0 0 0 9,088
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   259,282 3,401 SH   SOLE 0 0 0 3,401
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,354,724 119,179 SH   SOLE 0 0 0 119,179
VANGUARD STAR FDS VG TL INTL STK F 921909768   295,757 5,357 SH   SOLE 0 0 0 5,357
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,143,581 158,149 SH   SOLE 0 0 0 158,149
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,712,562 16,233 SH   SOLE 0 0 0 16,233
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,904,075 25,842 SH   SOLE 0 0 0 25,842
VANGUARD WORLD FD ESG US STK ETF 921910733   429,522 5,990 SH   SOLE 0 0 0 5,990
VANGUARD WORLD FD ESG INTL STK ETF 921910725   393,864 7,522 SH   SOLE 0 0 0 7,522
VANGUARD WORLD FDS MATERIALS ETF 92204A801   270,998 1,524 SH   SOLE 0 0 0 1,524
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,963,203 5,093 SH   SOLE 0 0 0 5,093
VISA INC COM CL A 92826C839   523,297 2,321 SH   SOLE 0 0 0 2,321
WALMART INC COM 931142103   571,100 3,873 SH   SOLE 0 0 0 3,873
WELLS FARGO CO NEW COM 949746101   1,199,188 32,081 SH   SOLE 0 0 0 32,081
WISDOMTREE TR EM EX ST-OWNED 97717X578   7,820,154 280,896 SH   SOLE 0 0 0 280,896
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,704,595 43,385 SH   SOLE 0 0 0 43,385
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,416,998 61,800 SH   SOLE 0 0 0 61,800