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
SEA LTD NOTE 0.250% 9/1 81141RAG5   180 22,000 SH   SOLE   0 0 22,000
AFFIRM HLDGS INC NOTE 11/1 00827BAB2   335 41,000 SH   SOLE   0 0 41,000
SNAP INC NOTE 5/0 83304AAF3   232 29,000 SH   SOLE   0 0 29,000
SEA LTD NOTE 0.250% 9/1 81141RAG5   263 32,000 SH   SOLE   0 0 32,000
APPLE INC COM 037833100   37,822 19,644 SH   SOLE   0 0 19,644
ABBVIE INC COM 00287Y109   5,963 3,848 SH   SOLE   0 0 3,848
ABBOTT LABS COM 002824100   2,516 2,286 SH   SOLE   0 0 2,286
ADOBE INC COM 00724F101   3,585 601 SH   SOLE   0 0 601
ISHARES TR CORE US AGGBD ET 464287226   2,388 2,406 SH   SOLE   0 0 2,406
ALLSTATE CORP COM 020002101   3,691 2,637 SH   SOLE   0 0 2,637
AMAZON COM INC COM 023135106   16,411 10,801 SH   SOLE   0 0 10,801
AIR PRODS &CHEMS INC COM 009158106   2,540 927 SH   SOLE   0 0 927
ARK ETF TR INNOVATION ETF 00214Q104   4,089 7,809 SH   SOLE   0 0 7,809
BROADCOM INC COM 11135F101   4,215 377 SH   SOLE   0 0 377
AVIENT CORPORATION COM 05368V106   2,282 5,490 SH   SOLE   0 0 5,490
AMERICAN EXPRESS CO COM 025816109   3,527 1,882 SH   SOLE   0 0 1,882
BOEING CO COM 097023105   2,794 1,072 SH   SOLE   0 0 1,072
BANC OF CALIFORNIA INC COM 05990K106   1,401 10,432 SH   SOLE   0 0 10,432
BLACKROCK MULTI SECTOR INC T COM 09258A107   1,809 12,064 SH   SOLE   0 0 12,064
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,648 6,086 SH   SOLE   0 0 6,086
VANECK ETF TRUST GAMING ETF 92189F882   2,538 6,000 SH   SOLE   0 0 6,000
BLACKROCK INC COM 09247X101   2,300 283 SH   SOLE   0 0 283
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,571 10,294 SH   SOLE   0 0 10,294
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   14,678 29,735 SH   SOLE   0 0 29,735
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,506 1,544 SH   SOLE   0 0 1,544
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,020 3,921 SH   SOLE   0 0 3,921
PACER FDS TR PACER US SMALL 69374H857   2,674 5,568 SH   SOLE   0 0 5,568
CHUBB LIMITED COM H1467J104   2,737 1,211 SH   SOLE   0 0 1,211
CONSTELLATION ENERGY CORP COM 21037T109   5,340 4,568 SH   SOLE   0 0 4,568
COLGATE PALMOLIVE CO COM 194162103   4,175 5,238 SH   SOLE   0 0 5,238
COMCAST CORP NEW CL A 20030N101   2,047 4,670 SH   SOLE   0 0 4,670
COSTCO WHSL CORP NEW COM 22160K105   9,541 1,445 SH   SOLE   0 0 1,445
PACER FDS TR US CASH COWS 100 69374H881   5,491 10,562 SH   SOLE   0 0 10,562
SALESFORCE INC COM 79466L302   5,020 1,908 SH   SOLE   0 0 1,908
CALAMOS STRATEGIC TOTAL RETU COM SH BEN INT 128125101   1,703 11,454 SH   SOLE   0 0 11,454
CSX CORP COM 126408103   17,168 49,518 SH   SOLE   0 0 49,518
CHEVRON CORP NEW COM 166764100   5,421 3,634 SH   SOLE   0 0 3,634
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   12,949 53,710 SH   SOLE   0 0 53,710
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   23,574 82,313 SH   SOLE   0 0 82,313
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   10,639 43,566 SH   SOLE   0 0 43,566
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,055 1,341 SH   SOLE   0 0 1,341
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835   5,504 21,239 SH   SOLE   0 0 21,239
ISHARES TR MSCI EMG MKT ETF 464287234   8,207 20,410 SH   SOLE   0 0 20,410
ISHARES TR MSCI EAFE ETF 464287465   12,539 16,641 SH   SOLE   0 0 16,641
EXELON CORP COM 30161N101   5,355 14,918 SH   SOLE   0 0 14,918
FREEPORT-MCMORAN INC CL B 35671D857   2,305 5,415 SH   SOLE   0 0 5,415
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,289 15,681 SH   SOLE   0 0 15,681
VANECK ETF TRUST GOLD MINERS ETF 92189F106   3,582 11,551 SH   SOLE   0 0 11,551
SPDR GOLD TR GOLD SHS 78463V107   2,227 1,165 SH   SOLE   0 0 1,165
ALPHABET INC CAP STK CL C 02079K107   3,529 2,504 SH   SOLE   0 0 2,504
ALPHABET INC CAP STK CL A 02079K305   8,079 5,784 SH   SOLE   0 0 5,784
FLEXSHARES TR MORNSTAR UPSTR 33939L407   12,440 30,379 SH   SOLE   0 0 30,379
HCA HEALTHCARE INC COM 40412C101   5,381 1,988 SH   SOLE   0 0 1,988
HOME DEPOT INC COM 437076102   4,196 1,210 SH   SOLE   0 0 1,210
HONEYWELL INTL INC COM 438516106   2,069 986 SH   SOLE   0 0 986
ISHARES GOLD TR ISHARES NEW 464285204   2,047 5,245 SH   SOLE   0 0 5,245
NORTHERN LTS FD TR IV INSPIRE CORP BD 66538H633   5,184 21,976 SH   SOLE   0 0 21,976
INTERNATIONAL BUSINESS MACHS COM 459200101   3,669 2,243 SH   SOLE   0 0 2,243
ISHARES TR CORE S&P MCP ETF 464287507   2,757 994 SH   SOLE   0 0 994
ISHARES TR CORE S&P SCP ETF 464287804   17,682 16,334 SH   SOLE   0 0 16,334
ISHARES TR CORE S&P US VLU 464287663   77,063 91,383 SH   SOLE   0 0 91,383
ISHARES TR S&P 500 VAL ETF 464287408   2,153 1,238 SH   SOLE   0 0 1,238
ISHARES TR CORE S&P500 ETF 464287200   2,502 523 SH   SOLE   0 0 523
ISHARES TR RUSSELL 2000 ETF 464287655   4,915 2,448 SH   SOLE   0 0 2,448
ISHARES TR GLOB HLTHCRE ETF 464287325   2,574 2,968 SH   SOLE   0 0 2,968
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   4,251 7,733 SH   SOLE   0 0 7,733
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,527 4,981 SH   SOLE   0 0 4,981
JOHNSON &JOHNSON COM 478160104   12,848 8,197 SH   SOLE   0 0 8,197
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   8,538 16,999 SH   SOLE   0 0 16,999
COCA COLA CO COM 191216100   3,494 5,929 SH   SOLE   0 0 5,929
ELI LILLY &CO COM 532457108   2,046 351 SH   SOLE   0 0 351
LOCKHEED MARTIN CORP COM 539830109   3,061 675 SH   SOLE   0 0 675
LOWES COS INC COM 548661107   2,538 1,140 SH   SOLE   0 0 1,140
MASTERCARD INCORPORATED CL A 57636Q104   3,614 847 SH   SOLE   0 0 847
MARRIOTT INTL INC NEW CL A 571903202   2,273 1,008 SH   SOLE   0 0 1,008
MCDONALDS CORP COM 580135101   4,965 1,674 SH   SOLE   0 0 1,674
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   9,456 1,863 SH   SOLE   0 0 1,863
VANGUARD WORLD FD MEGA CAP INDEX 921910873   2,754 1,627 SH   SOLE   0 0 1,627
3M CO COM 88579Y101   2,438 2,230 SH   SOLE   0 0 2,230
MARATHON PETE CORP COM 56585A102   4,664 3,144 SH   SOLE   0 0 3,144
MERCK &CO INC COM 58933Y105   17,422 15,980 SH   SOLE   0 0 15,980
MICROSOFT CORP COM 594918104   12,699 3,377 SH   SOLE   0 0 3,377
NETFLIX INC COM 64110L106   5,394 1,108 SH   SOLE   0 0 1,108
NVIDIA CORPORATION COM 67066G104   7,995 1,614 SH   SOLE   0 0 1,614
PEPSICO INC COM 713448108   5,246 3,088 SH   SOLE   0 0 3,088
PROCTER AND GAMBLE CO COM 742718109   5,825 3,975 SH   SOLE   0 0 3,975
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   9,052 25,013 SH   SOLE   0 0 25,013
PROLOGIS INC. COM 74340W103   3,012 2,260 SH   SOLE   0 0 2,260
PHILLIPS 66 COM 718546104   3,491 2,622 SH   SOLE   0 0 2,622
PACER FDS TR TRENDPILOT US BD 69374H642   13,408 65,502 SH   SOLE   0 0 65,502
INVESCO QQQ TR UNIT SER 1 46090E103   11,138 2,719 SH   SOLE   0 0 2,719
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,893 1,716 SH   SOLE   0 0 1,716
STARBUCKS CORP COM 855244109   3,158 3,289 SH   SOLE   0 0 3,289
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   7,316 13,142 SH   SOLE   0 0 13,142
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,901 5,124 SH   SOLE   0 0 5,124
SPDR SER TR S&P DIVID ETF 78464A763   6,247 4,999 SH   SOLE   0 0 4,999
ISHARES TR SHORT TREAS BD 464288679   420,844 382,134 SH   SOLE   0 0 382,134
SPDR S&P 500 ETF TR TR UNIT 78462F103   20,739 4,363 SH   SOLE   0 0 4,363
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,360 5,165 SH   SOLE   0 0 5,165
AT&T INC COM 00206R102   2,328 13,874 SH   SOLE   0 0 13,874
ISHARES TR TIPS BD ETF 464287176   2,245 2,089 SH   SOLE   0 0 2,089
RBB FD INC MOTLEY FOL ETF 74933W601   3,459 7,746 SH   SOLE   0 0 7,746
THERMO FISHER SCIENTIFIC INC COM 883556102   2,139 403 SH   SOLE   0 0 403
T-MOBILE US INC COM 872590104   2,439 1,521 SH   SOLE   0 0 1,521
UNITED STS NAT GAS FD LP UNIT PAR 912318300   1,191 23,497 SH   SOLE   0 0 23,497
UNITEDHEALTH GROUP INC COM 91324P102   3,024 574 SH   SOLE   0 0 574
VISA INC COM CL A 92826C839   10,540 4,048 SH   SOLE   0 0 4,048
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   8,386 10,462 SH   SOLE   0 0 10,462
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,018 5,194 SH   SOLE   0 0 5,194
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   27,002 15,846 SH   SOLE   0 0 15,846
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,493 2,822 SH   SOLE   0 0 2,822
VANGUARD INDEX FDS MID CAP ETF 922908629   2,188 940 SH   SOLE   0 0 940
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   55,133 12,622 SH   SOLE   0 0 12,622
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,920 9,639 SH   SOLE   0 0 9,639
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,068 12,675 SH   SOLE   0 0 12,675
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,490 7,350 SH   SOLE   0 0 7,350
VANGUARD INDEX FDS VALUE ETF 922908744   81,518 54,527 SH   SOLE   0 0 54,527
VANGUARD INDEX FDS GROWTH ETF 922908736   109,059 35,080 SH   SOLE   0 0 35,080
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,860 9,393 SH   SOLE   0 0 9,393
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   16,179 9,840 SH   SOLE   0 0 9,840
VERIZON COMMUNICATIONS INC COM 92343V104   2,369 6,285 SH   SOLE   0 0 6,285
ESSENTIAL UTILS INC COM 29670G102   2,838 7,600 SH   SOLE   0 0 7,600
SELECT SECTOR SPDR TR ENERGY 81369Y506   6,185 7,378 SH   SOLE   0 0 7,378
EXXON MOBIL CORP COM 30231G102   17,892 17,896 SH   SOLE   0 0 17,896
PIMCO ETF TR 25YR+ ZERO U S 72201R882   3,244 3,802 SH   SOLE   0 0 3,802