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
ABBOTT LABS COM 002824100   397,583 3,498 SH   SOLE 0 0 0 3,498
ABBVIE INC COM 00287Y109   1,052,013 5,777 SH   SOLE 0 0 0 5,777
ADOBE INC COM 00724F101   938,556 1,860 SH   SOLE 0 0 0 1,860
ADVANCED MICRO DEVICES INC COM 007903107   464,762 2,575 SH   SOLE 0 0 0 2,575
ALPHABET INC CAP STK CL A 02079K305   1,424,025 9,435 SH   SOLE 0 0 0 9,435
ALPHABET INC CAP STK CL C 02079K107   813,525 5,343 SH   SOLE 0 0 0 5,343
AMAZON COM INC COM 023135106   8,873,073 49,191 SH   SOLE 0 0 0 49,191
AMGEN INC COM 031162100   294,279 1,035 SH   SOLE 0 0 0 1,035
APPLE INC COM 037833100   23,736,832 138,423 SH   SOLE 0 0 0 138,423
AUTOZONE INC COM 053332102   252,132 80 SH   SOLE 0 0 0 80
BANK AMERICA CORP COM 060505104   280,964 7,409 SH   SOLE 0 0 0 7,409
BECTON DICKINSON & CO COM 075887109   204,889 828 SH   SOLE 0 0 0 828
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,967,606 9,435 SH   SOLE 0 0 0 9,435
BLACKROCK INC COM 09247X101   462,704 555 SH   SOLE 0 0 0 555
BP PLC SPONSORED ADR 055622104   311,651 8,271 SH   SOLE 0 0 0 8,271
BRISTOL-MYERS SQUIBB CO COM 110122108   252,376 4,654 SH   SOLE 0 0 0 4,654
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,531,003 77,877 SH   SOLE 0 0 0 77,877
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   375,435 14,563 SH   SOLE 0 0 0 14,563
CATERPILLAR INC COM 149123101   339,681 927 SH   SOLE 0 0 0 927
CHEVRON CORP NEW COM 166764100   2,186,442 13,861 SH   SOLE 0 0 0 13,861
CISCO SYS INC COM 17275R102   347,873 6,970 SH   SOLE 0 0 0 6,970
CONSTELLATION ENERGY CORP COM 21037T109   233,096 1,261 SH   SOLE 0 0 0 1,261
COSTCO WHSL CORP NEW COM 22160K105   1,152,869 1,574 SH   SOLE 0 0 0 1,574
DBX ETF TR XTRACK MSCI EAFE 233051200   6,830,901 166,892 SH   SOLE 0 0 0 166,892
DEERE & CO COM 244199105   401,293 977 SH   SOLE 0 0 0 977
DISNEY WALT CO COM 254687106   382,198 3,124 SH   SOLE 0 0 0 3,124
ELI LILLY & CO COM 532457108   664,398 854 SH   SOLE 0 0 0 854
EXXON MOBIL CORP COM 30231G102   1,022,264 8,794 SH   SOLE 0 0 0 8,794
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,593,682 61,084 SH   SOLE 0 0 0 61,084
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   288,101 16,634 SH   SOLE 0 0 0 16,634
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408   506,372 8,493 SH   SOLE 0 0 0 8,493
FISERV INC COM 337738108   292,471 1,830 SH   SOLE 0 0 0 1,830
FORD MTR CO DEL COM 345370860   364,707 27,463 SH   SOLE 0 0 0 27,463
FRESENIUS MEDICAL CARE AG SPONSORED ADR 358029106   295,601 15,332 SH   SOLE 0 0 0 15,332
GENERAL DYNAMICS CORP COM 369550108   442,097 1,565 SH   SOLE 0 0 0 1,565
GILEAD SCIENCES INC COM 375558103   205,417 2,804 SH   SOLE 0 0 0 2,804
HEICO CORP NEW COM 422806109   668,500 3,500 SH   SOLE 0 0 0 3,500
HOME DEPOT INC COM 437076102   1,693,584 4,415 SH   SOLE 0 0 0 4,415
HONEYWELL INTL INC COM 438516106   305,823 1,490 SH   SOLE 0 0 0 1,490
INDEXIQ ETF TR FTSE INTERNL EQT 45409B560   684,621 25,517 SH   SOLE 0 0 0 25,517
INGREDION INC COM 457187102   236,271 2,022 SH   SOLE 0 0 0 2,022
INTEL CORP COM 458140100   3,780,466 85,589 SH   SOLE 0 0 0 85,589
INTERNATIONAL BUSINESS MACHS COM 459200101   412,933 2,162 SH   SOLE 0 0 0 2,162
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   1,539,479 61,901 SH   SOLE 0 0 0 61,901
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   21,920,594 119,988 SH   SOLE 0 0 0 119,988
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   976,044 14,818 SH   SOLE 0 0 0 14,818
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   207,100 1,914 SH   SOLE 0 0 0 1,914
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   864,420 22,470 SH   SOLE 0 0 0 22,470
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   243,723 1,439 SH   SOLE 0 0 0 1,439
INVESCO QQQ TR UNIT SER 1 46090E103   31,642,572 71,265 SH   SOLE 0 0 0 71,265
ISHARES INC CORE MSCI EMKT 46434G103   761,050 14,749 SH   SOLE 0 0 0 14,749
ISHARES INC MSCI EM ASIA ETF 464286426   223,295 3,278 SH   SOLE 0 0 0 3,278
ISHARES TR MSCI INDIA ETF 46429B598   466,941 9,051 SH   SOLE 0 0 0 9,051
ISHARES TR CORE MSCI TOTAL 46432F834   9,707,945 143,058 SH   SOLE 0 0 0 143,058
ISHARES TR MSCI USA MIN VOL 46429B697   2,757,795 32,996 SH   SOLE 0 0 0 32,996
ISHARES TR CORE TOTAL USD 46434V613   7,611,554 166,957 SH   SOLE 0 0 0 166,957
ISHARES TR HDG MSCI EAFE 46434V803   347,405 9,960 SH   SOLE 0 0 0 9,960
ISHARES TR CORE HIGH DV ETF 46429B663   267,042 2,423 SH   SOLE 0 0 0 2,423
ISHARES TR 0-5 YR TIPS ETF 46429B747   728,126 7,323 SH   SOLE 0 0 0 7,323
ISHARES TR CALIF MUN BD ETF 464288356   3,966,841 68,941 SH   SOLE 0 0 0 68,941
ISHARES TR ESG AW MSCI EAFE 46435G516   247,721 3,100 SH   SOLE 0 0 0 3,100
ISHARES TR CORE INTL AGGR 46435G672   5,259,802 105,301 SH   SOLE 0 0 0 105,301
ISHARES TR ESG MSCI LEADR 46435U218   215,183 2,293 SH   SOLE 0 0 0 2,293
ISHARES TR MSCI EAFE ETF 464287465   4,869,503 60,975 SH   SOLE 0 0 0 60,975
ISHARES TR CORE S&P MCP ETF 464287507   15,706,435 258,585 SH   SOLE 0 0 0 258,585
ISHARES TR S&P MC 400VL ETF 464287705   554,107 4,684 SH   SOLE 0 0 0 4,684
ISHARES TR CORE S&P SCP ETF 464287804   12,777,437 115,612 SH   SOLE 0 0 0 115,612
ISHARES TR S&P 500 VAL ETF 464287408   1,058,232 5,665 SH   SOLE 0 0 0 5,665
ISHARES TR CORE S&P500 ETF 464287200   57,072,187 108,558 SH   SOLE 0 0 0 108,558
ISHARES TR RUS 1000 ETF 464287622   3,980,782 13,821 SH   SOLE 0 0 0 13,821
ISHARES TR RUS 1000 GRW ETF 464287614   338,742 1,005 SH   SOLE 0 0 0 1,005
ISHARES TR RUSSELL 2000 ETF 464287655   11,234,638 53,422 SH   SOLE 0 0 0 53,422
ISHARES TR 1 3 YR TREAS BD 464287457   1,964,712 24,024 SH   SOLE 0 0 0 24,024
ISHARES TR 20 YR TR BD ETF 464287432   3,883,370 41,042 SH   SOLE 0 0 0 41,042
ISHARES TR RUS MID CAP ETF 464287499   7,933,227 94,342 SH   SOLE 0 0 0 94,342
ISHARES TR RUS MD CP GR ETF 464287481   440,580 3,860 SH   SOLE 0 0 0 3,860
ISHARES TR U.S. ENERGY ETF 464287796   209,851 4,248 SH   SOLE 0 0 0 4,248
ISHARES TR ISHARES SEMICDTR 464287523   524,638 2,322 SH   SOLE 0 0 0 2,322
ISHARES TR MSCI EMG MKT ETF 464287234   535,148 13,027 SH   SOLE 0 0 0 13,027
ISHARES TR CORE US AGGBD ET 464287226   1,102,069 11,252 SH   SOLE 0 0 0 11,252
ISHARES TR SELECT DIVID ETF 464287168   591,702 4,804 SH   SOLE 0 0 0 4,804
ISHARES TR TIPS BD ETF 464287176   3,893,816 36,252 SH   SOLE 0 0 0 36,252
ISHARES TR EAFE GRWTH ETF 464288885   7,100,910 68,416 SH   SOLE 0 0 0 68,416
ISHARES TR IBOXX HI YD ETF 464288513   3,290,719 42,335 SH   SOLE 0 0 0 42,335
ISHARES TR ISHS 1-5YR INVS 464288646   3,599,266 70,188 SH   SOLE 0 0 0 70,188
ISHARES TR GL TIMB FORE ETF 464288174   555,759 6,586 SH   SOLE 0 0 0 6,586
ISHARES TR MODERT ALLOC ETF 464289875   3,402,080 79,525 SH   SOLE 0 0 0 79,525
ISHARES TR GRWT ALLOCAT ETF 464289867   3,679,731 66,099 SH   SOLE 0 0 0 66,099
ISHARES TR AGGRES ALLOC ETF 464289859   799,795 10,887 SH   SOLE 0 0 0 10,887
ISHARES TR US AER DEF ETF 464288760   1,637,172 12,409 SH   SOLE 0 0 0 12,409
ISHARES TR CORE S&P TTL STK 464287150   388,230 3,367 SH   SOLE 0 0 0 3,367
ISHARES TR MBS ETF 464288588   1,986,753 21,497 SH   SOLE 0 0 0 21,497
ISHARES TR PFD AND INCM SEC 464288687   1,021,044 31,680 SH   SOLE 0 0 0 31,680
ISHARES TR NATIONAL MUN ETF 464288414   1,627,008 15,121 SH   SOLE 0 0 0 15,121
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   388,516 7,657 SH   SOLE 0 0 0 7,657
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   4,771,484 102,294 SH   SOLE 0 0 0 102,294
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   690,758 13,692 SH   SOLE 0 0 0 13,692
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   477,770 8,482 SH   SOLE 0 0 0 8,482
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   282,473 4,882 SH   SOLE 0 0 0 4,882
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   7,372,252 161,814 SH   SOLE 0 0 0 161,814
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   688,865 14,805 SH   SOLE 0 0 0 14,805
JOHNSON & JOHNSON COM 478160104   654,748 4,139 SH   SOLE 0 0 0 4,139
JPMORGAN CHASE & CO COM 46625H100   1,116,494 5,574 SH   SOLE 0 0 0 5,574
LABORATORY CORP AMER HLDGS COM NEW 50540R409   214,309 981 SH   SOLE 0 0 0 981
LAM RESEARCH CORP COM 512807108   603,345 621 SH   SOLE 0 0 0 621
LINDE PLC SHS G54950103   208,944 450 SH   SOLE 0 0 0 450
LOWES COS INC COM 548661107   218,558 858 SH   SOLE 0 0 0 858
MASTERCARD INCORPORATED CL A 57636Q104   251,331 522 SH   SOLE 0 0 0 522
MCDONALDS CORP COM 580135101   634,396 2,250 SH   SOLE 0 0 0 2,250
MCKESSON CORP COM 58155Q103   339,826 633 SH   SOLE 0 0 0 633
MERCK & CO INC COM 58933Y105   328,819 2,492 SH   SOLE 0 0 0 2,492
META PLATFORMS INC CL A 30303M102   1,070,776 2,205 SH   SOLE 0 0 0 2,205
METTLER TOLEDO INTERNATIONAL COM 592688105   399,387 300 SH   SOLE 0 0 0 300
MICROSOFT CORP COM 594918104   3,880,508 9,223 SH   SOLE 0 0 0 9,223
MICROSTRATEGY INC CL A NEW 594972408   318,753 187 SH   SOLE 0 0 0 187
NETFLIX INC COM 64110L106   721,508 1,188 SH   SOLE 0 0 0 1,188
NOVO-NORDISK A S ADR 670100205   275,675 2,147 SH   SOLE 0 0 0 2,147
NVIDIA CORPORATION COM 67066G104   1,700,134 1,882 SH   SOLE 0 0 0 1,882
ORACLE CORP COM 68389X105   601,169 4,786 SH   SOLE 0 0 0 4,786
PALLADYNE AI CORP COM NEW 80359A205   23,789 13,143 SH   SOLE 0 0 0 13,143
PALO ALTO NETWORKS INC COM 697435105   354,310 1,247 SH   SOLE 0 0 0 1,247
PEPSICO INC COM 713448108   1,432,632 8,186 SH   SOLE 0 0 0 8,186
PFIZER INC COM 717081103   316,883 11,419 SH   SOLE 0 0 0 11,419
PHILIP MORRIS INTL INC COM 718172109   219,247 2,393 SH   SOLE 0 0 0 2,393
PROCTER AND GAMBLE CO COM 742718109   723,234 4,458 SH   SOLE 0 0 0 4,458
PROSPECT CAP CORP COM 74348T102   276,000 50,000 SH   SOLE 0 0 0 50,000
SALESFORCE INC COM 79466L302   428,579 1,423 SH   SOLE 0 0 0 1,423
SCHWAB CHARLES CORP COM 808513105   387,898 5,362 SH   SOLE 0 0 0 5,362
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   14,306,533 234,341 SH   SOLE 0 0 0 234,341
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,023,479 205,625 SH   SOLE 0 0 0 205,625
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,465,241 168,631 SH   SOLE 0 0 0 168,631
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,636,536 73,853 SH   SOLE 0 0 0 73,853
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,929,341 20,808 SH   SOLE 0 0 0 20,808
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   707,756 9,315 SH   SOLE 0 0 0 9,315
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,772,240 70,188 SH   SOLE 0 0 0 70,188
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,814,605 37,640 SH   SOLE 0 0 0 37,640
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,271,418 43,547 SH   SOLE 0 0 0 43,547
SCHWAB STRATEGIC TR US REIT ETF 808524847   447,102 22,025 SH   SOLE 0 0 0 22,025
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,989,459 98,114 SH   SOLE 0 0 0 98,114
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,660,996 57,848 SH   SOLE 0 0 0 57,848
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,604,057 354,757 SH   SOLE 0 0 0 354,757
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   288,025 8,120 SH   SOLE 0 0 0 8,120
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   356,632 6,253 SH   SOLE 0 0 0 6,253
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,412,583 35,800 SH   SOLE 0 0 0 35,800
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   987,309 40,697 SH   SOLE 0 0 0 40,697
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   232,625 2,500 SH   SOLE 0 0 0 2,500
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   421,906 4,542 SH   SOLE 0 0 0 4,542
SELECT SECTOR SPDR TR ENERGY 81369Y506   712,965 7,552 SH   SOLE 0 0 0 7,552
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   10,811,069 51,909 SH   SOLE 0 0 0 51,909
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,349,339 9,134 SH   SOLE 0 0 0 9,134
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   225,081 1,224 SH   SOLE 0 0 0 1,224
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   726,708 1,827 SH   SOLE 0 0 0 1,827
SPDR GOLD TR GOLD SHS 78463V107   3,225,484 15,679 SH   SOLE 0 0 0 15,679
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   19,979,646 703,509 SH   SOLE 0 0 0 703,509
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103   397,951 9,457 SH   SOLE 0 0 0 9,457
SPDR S&P 500 ETF TR TR UNIT 78462F103   15,029,219 28,733 SH   SOLE 0 0 0 28,733
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,500 50,000 SH Call SOLE 0 0 0 50,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,200 40,000 SH Call SOLE 0 0 0 40,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,285 30,500 SH Call SOLE 0 0 0 30,500
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,561,366 9,995 SH   SOLE 0 0 0 9,995
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,271,280 15,322 SH   SOLE 0 0 0 15,322
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,655,484 34,941 SH   SOLE 0 0 0 34,941
SPDR SER TR BLOOMBERG HIGH Y 78468R622   660,492 6,938 SH   SOLE 0 0 0 6,938
SPDR SER TR S&P DIVID ETF 78464A763   1,786,894 13,615 SH   SOLE 0 0 0 13,615
SPDR SER TR NUVEEN BLOOMBERG 78464A284   290,033 11,290 SH   SOLE 0 0 0 11,290
SPDR SER TR BLOOMBERG INTL 78464A151   8,014,088 275,304 SH   SOLE 0 0 0 275,304
SPDR SER TR PORTFOLIO AGRGTE 78464A649   21,210,748 839,033 SH   SOLE 0 0 0 839,033
SPROTT FOCUS TR INC COM 85208J109   321,731 40,017 SH   SOLE 0 0 0 40,017
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   1,346,488 66,199 SH   SOLE 0 0 0 66,199
STARBUCKS CORP COM 855244109   351,016 3,841 SH   SOLE 0 0 0 3,841
STITCH FIX INC COM CL A 860897107   29,143 11,039 SH   SOLE 0 0 0 11,039
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   379,716 2,791 SH   SOLE 0 0 0 2,791
TARGET CORP COM 87612E106   263,249 1,486 SH   SOLE 0 0 0 1,486
TESLA INC COM 88160R101   1,444,466 8,217 SH   SOLE 0 0 0 8,217
TRAVELERS COMPANIES INC COM 89417E109   212,880 925 SH   SOLE 0 0 0 925
UNION PAC CORP COM 907818108   396,193 1,611 SH   SOLE 0 0 0 1,611
UNITEDHEALTH GROUP INC COM 91324P102   292,391 591 SH   SOLE 0 0 0 591
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   1,099,739 4,888 SH   SOLE 0 0 0 4,888
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   225,588 1,250 SH   SOLE 0 0 0 1,250
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,261,541 175,883 SH   SOLE 0 0 0 175,883
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,440,354 130,928 SH   SOLE 0 0 0 130,928
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14,035,031 29,197 SH   SOLE 0 0 0 29,197
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   468,208 3,003 SH   SOLE 0 0 0 3,003
VANGUARD INDEX FDS LARGE CAP ETF 922908637   5,795,346 24,171 SH   SOLE 0 0 0 24,171
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   269,215 1,536 SH   SOLE 0 0 0 1,536
VANGUARD INDEX FDS SMALL CP ETF 922908751   922,232 4,034 SH   SOLE 0 0 0 4,034
VANGUARD INDEX FDS GROWTH ETF 922908736   3,589,983 10,430 SH   SOLE 0 0 0 10,430
VANGUARD INDEX FDS VALUE ETF 922908744   9,853,345 60,502 SH   SOLE 0 0 0 60,502
VANGUARD INDEX FDS MID CAP ETF 922908629   1,784,443 7,142 SH   SOLE 0 0 0 7,142
VANGUARD INDEX FDS SM CP VAL ETF 922908611   250,929 1,308 SH   SOLE 0 0 0 1,308
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,416,275 27,940 SH   SOLE 0 0 0 27,940
VANGUARD INDEX FDS TOTAL STK MKT 922908769   15,514,250 59,693 SH   SOLE 0 0 0 59,693
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,552,201 156,864 SH   SOLE 0 0 0 156,864
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,023,074 102,695 SH   SOLE 0 0 0 102,695
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,991,827 41,592 SH   SOLE 0 0 0 41,592
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   864,133 17,078 SH   SOLE 0 0 0 17,078
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   8,060,569 94,763 SH   SOLE 0 0 0 94,763
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   319,089 5,495 SH   SOLE 0 0 0 5,495
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   22,374,699 122,527 SH   SOLE 0 0 0 122,527
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,330,869 205,917 SH   SOLE 0 0 0 205,917
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,923,736 15,900 SH   SOLE 0 0 0 15,900
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,547,752 31,249 SH   SOLE 0 0 0 31,249
VANGUARD WORLD FD ESG US STK ETF 921910733   435,282 4,671 SH   SOLE 0 0 0 4,671
VANGUARD WORLD FD ESG INTL STK ETF 921910725   434,683 7,564 SH   SOLE 0 0 0 7,564
VANGUARD WORLD FD INF TECH ETF 92204A702   2,422,133 4,619 SH   SOLE 0 0 0 4,619
VANGUARD WORLD FD MATERIALS ETF 92204A801   264,328 1,293 SH   SOLE 0 0 0 1,293
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   245,108 906 SH   SOLE 0 0 0 906
VISA INC COM CL A 92826C839   672,309 2,409 SH   SOLE 0 0 0 2,409
WALMART INC COM 931142103   682,966 11,351 SH   SOLE 0 0 0 11,351
WELLS FARGO CO NEW COM 949746101   1,063,856 18,355 SH   SOLE 0 0 0 18,355
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   649,358 18,649 SH   SOLE 0 0 0 18,649
WISDOMTREE TR EM EX ST-OWNED 97717X578   8,242,536 279,787 SH   SOLE 0 0 0 279,787
WISDOMTREE TR INDIA ERNGS FD 97717W422   422,663 9,703 SH   SOLE 0 0 0 9,703
WISDOMTREE TR US QTLY DIV GRT 97717X669   5,065,387 66,484 SH   SOLE 0 0 0 66,484
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,971,173 67,450 SH   SOLE 0 0 0 67,450