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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
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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
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   2,737,657 54,962 SH   SOLE   54,962 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   9,151,300 25,543 SH   SOLE   25,543 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   257,958 1,214 SH   SOLE   1,214 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   778,143 16,832 SH   SOLE   16,832 0 0
ISHARES TR US HLTHCARE ETF 464287762   1,783,272 6,603 SH   SOLE   6,603 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   4,129,417 157,912 SH   SOLE   157,912 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,903,000 28,222 SH   SOLE   28,222 0 0
ISHARES INC EMNG MKTS EQT 46434G889   1,518,494 37,127 SH   SOLE   37,127 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   1,343,033 16,295 SH   SOLE   16,295 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   250,197 3,090 SH   SOLE   3,090 0 0
ISHARES TR CALIF MUN BD ETF 464288356   297,288 5,421 SH   SOLE   5,421 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,649,492 33,907 SH   SOLE   33,907 0 0
FS KKR CAP CORP COM 302635206   688,224 34,953 SH   SOLE   34,953 0 0
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   200,623 3,769 SH   SOLE   3,769 0 0
ISHARES TR EUROPE ETF 464287861   3,497,797 73,283 SH   SOLE   73,283 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,267,238 64,761 SH   SOLE   64,761 0 0
GLOBAL X FDS CLOUD COMPUTNG 37954Y442   319,262 16,955 SH   SOLE   16,955 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,241,889 35,539 SH   SOLE   35,539 0 0
ISHARES TR EAFE GRWTH ETF 464288885   8,812,064 102,109 SH   SOLE   102,109 0 0
ISHARES TR RUS TOP 200 ETF 464289446   11,823,929 114,384 SH   SOLE   114,384 0 0
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   1,474,714 49,771 SH   SOLE   49,771 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,249,557 23,805 SH   SOLE   23,805 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,164,875 82,628 SH   SOLE   82,628 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   341,831 7,481 SH   SOLE   7,481 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   23,564,612 506,221 SH   SOLE   506,221 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   4,335,603 59,900 SH   SOLE   59,900 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   944,488 41,940 SH   SOLE   41,940 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   11,882,197 364,261 SH   SOLE   364,261 0 0
ISHARES TR CORE S&P TTL STK 464287150   17,908,383 190,130 SH   SOLE   190,130 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   420,760 12,368 SH   SOLE   12,368 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   804,639 13,412 SH   SOLE   13,412 0 0
ISHARES INC CORE MSCI EMKT 46434G103   6,015,521 126,403 SH   SOLE   126,403 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   225,700 1,994 SH   SOLE   1,994 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,640,833 29,776 SH   SOLE   29,776 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   2,672,803 53,052 SH   SOLE   53,052 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,855,969 81,915 SH   SOLE   81,915 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   6,270,769 120,614 SH   SOLE   120,614 0 0
ISHARES TR RUS 1000 ETF 464287622   746,778 3,179 SH   SOLE   3,179 0 0