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
3M CO COM 88579Y101   242 2,230 SH   SOLE   0 0 2,230
ABBOTT LABS COM 002824100   274 2,483 SH   SOLE   0 0 2,483
ABBVIE INC COM 00287Y109   657 4,152 SH   SOLE   0 0 4,152
ADOBE INC COM 00724F101   354 601 SH   SOLE   0 0 601
AFFIRM HLDGS INC NOTE 11/1 00827BAB2   33 41,000 SH   SOLE   0 0 41,000
AIR PRODS &CHEMS INC COM 009158106   275 1,016 SH   SOLE   0 0 1,016
ALLSTATE CORP COM 020002101   447 2,651 SH   SOLE   0 0 2,651
ALPHABET INC CAP STK CL C 02079K107   429 2,921 SH   SOLE   0 0 2,921
ALPHABET INC CAP STK CL A 02079K305   965 6,784 SH   SOLE   0 0 6,784
ALPS ETF TR CLEAN ENERGY 00162Q460   337 3,166 SH   SOLE   0 0 3,166
ALTRIA GROUP INC COM 02209S103   278 6,534 SH   SOLE   0 0 6,534
AMAZON COM INC COM 023135106   2,479 15,348 SH   SOLE   0 0 15,348
AMERICAN EXPRESS CO COM 025816109   352 26,356 SH   SOLE   0 0 26,356
APPLE INC COM 037833100   4,561 24,788 SH   SOLE   0 0 24,788
ARK ETF TR INNOVATION ETF 00214Q104   405 7,753 SH   SOLE   0 0 7,753
AT&T INC COM 00206R102   250 14,470 SH   SOLE   0 0 14,470
AVIENT CORPORATION COM 05368V106   238 5,490 SH   SOLE   0 0 5,490
BANC OF CALIFORNIA INC COM 05990K106   140 10,432 SH   SOLE   0 0 10,432
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   597 1,629 SH   SOLE   0 0 1,629
BLACKROCK INC COM 09247X101   230 283 SH   SOLE   0 0 283
BLACKROCK MULTI SECTOR INC T COM 09258A107   191 12,064 SH   SOLE   0 0 12,064
BOEING CO COM 097023105   239 1,152 SH   SOLE   0 0 1,152
BP PLC SPONSORED ADR 055622104   236 6,360 SH   SOLE   0 0 6,360
BROADCOM INC COM 11135F101   484 425 SH   SOLE   0 0 425
CALAMOS STRATEGIC TOTAL RETU COM SH BEN INT 128125101   170 11,454 SH   SOLE   0 0 11,454
CHEVRON CORP NEW COM 166764100   549 3,677 SH   SOLE   0 0 3,677
CHUBB LIMITED COM H1467J104   273 1,211 SH   SOLE   0 0 1,211
COCA COLA CO COM 191216100   351 5,934 SH   SOLE   0 0 5,934
COLGATE PALMOLIVE CO COM 194162103   460 5,238 SH   SOLE   0 0 5,238
COMCAST CORP NEW CL A 20030N101   207 4,784 SH   SOLE   0 0 4,784
CONSTELLATION ENERGY CORP COM 21037T109   734 4,635 SH   SOLE   0 0 4,635
COSTCO WHSL CORP NEW COM 22160K105   958 1,445 SH   SOLE   0 0 1,445
CSX CORP COM 126408103   1,769 49,518 SH   SOLE   0 0 49,518
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,698 90,290 SH   SOLE   0 0 90,290
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,498 60,855 SH   SOLE   0 0 60,855
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,091 44,616 SH   SOLE   0 0 44,616
ELI LILLY &CO COM 532457108   391 591 SH   SOLE   0 0 591
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   223 14,313 SH   SOLE   0 0 14,313
ESSENTIAL UTILS INC COM 29670G102   295 7,975 SH   SOLE   0 0 7,975
EXELON CORP COM 30161N101   546 14,799 SH   SOLE   0 0 14,799
EXXON MOBIL CORP COM 30231G102   4,712 42,223 SH   SOLE   0 0 42,223
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,049 25,587 SH   SOLE   0 0 25,587
FREEPORT-MCMORAN INC CL B 35671D857   232 5,417 SH   SOLE   0 0 5,417
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835   343 12,563 SH   SOLE   0 0 12,563
HCA HEALTHCARE INC COM 40412C101   589 2,136 SH   SOLE   0 0 2,136
HOME DEPOT INC COM 437076102   422 1,210 SH   SOLE   0 0 1,210
HONEYWELL INTL INC COM 438516106   205 986 SH   SOLE   0 0 986
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   707 18,622 SH   SOLE   0 0 18,622
INTERNATIONAL BUSINESS MACHS COM 459200101   577 3,243 SH   SOLE   0 0 3,243
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   289 1,716 SH   SOLE   0 0 1,716
INVESCO QQQ TR UNIT SER 1 46090E103   1,113 2,710 SH   SOLE   0 0 2,710
ISHARES GOLD TR ISHARES NEW 464285204   219 5,229 SH   SOLE   0 0 5,229
ISHARES TR TIPS BD ETF 464287176   237 2,206 SH   SOLE   0 0 2,206
ISHARES TR CORE S&P500 ETF 464287200   1,435 2,778 SH   SOLE   0 0 2,778
ISHARES TR CORE US AGGBD ET 464287226   248 2,508 SH   SOLE   0 0 2,508
ISHARES TR MSCI EMG MKT ETF 464287234   972 23,683 SH   SOLE   0 0 23,683
ISHARES TR GLOB HLTHCRE ETF 464287325   264 2,957 SH   SOLE   0 0 2,957
ISHARES TR S&P 500 VAL ETF 464287408   273 1,549 SH   SOLE   0 0 1,549
ISHARES TR MSCI EAFE ETF 464287465   1,055 13,292 SH   SOLE   0 0 13,292
ISHARES TR CORE S&P MCP ETF 464287507   433 4,321 SH   SOLE   0 0 4,321
ISHARES TR RUSSELL 2000 ETF 464287655   491 2,448 SH   SOLE   0 0 2,448
ISHARES TR CORE S&P US VLU 464287663   8,818 97,507 SH   SOLE   0 0 97,507
ISHARES TR CORE S&P SCP ETF 464287804   2,026 18,418 SH   SOLE   0 0 18,418
ISHARES TR ISHS 5-10YR INVT 464288638   8,912 172,725 SH   SOLE   0 0 172,725
ISHARES TR SHORT TREAS BD 464288679   40,562 366,947 SH   SOLE   0 0 366,947
ISHARES TR 10+ YR INVST GRD 464289511   703 13,664 SH   SOLE   0 0 13,664
ISHARES TR CORE MSCI EAFE 46432F842   207 2,847 SH   SOLE   0 0 2,847
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   350 6,060 SH   SOLE   0 0 6,060
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   252 4,981 SH   SOLE   0 0 4,981
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   484 9,628 SH   SOLE   0 0 9,628
JOHNSON &JOHNSON COM 478160104   1,371 8,696 SH   SOLE   0 0 8,696
JPMORGAN CHASE &CO COM 46625H100   390 2,089 SH   SOLE   0 0 2,089
LOCKHEED MARTIN CORP COM 539830109   488 1,075 SH   SOLE   0 0 1,075
LOWES COS INC COM 548661107   288 1,252 SH   SOLE   0 0 1,252
MARATHON PETE CORP COM 56585A102   1,703 26,848 SH   SOLE   0 0 26,848
MARRIOTT INTL INC NEW CL A 571903202   227 1,008 SH   SOLE   0 0 1,008
MASTERCARD INCORPORATED CL A 57636Q104   362 847 SH   SOLE   0 0 847
MCDONALDS CORP COM 580135101   522 1,768 SH   SOLE   0 0 1,768
MERCK &CO INC COM 58933Y105   2,074 16,121 SH   SOLE   0 0 16,121
MICROSOFT CORP COM 594918104   1,302 3,401 SH   SOLE   0 0 3,401
NETFLIX INC COM 64110L106   553 1,105 SH   SOLE   0 0 1,105
NEWMONT CORP COM 651639106   424 11,844 SH   SOLE   0 0 11,844
NIO INC SPON ADS 62914V106   493 109,682 SH   SOLE   0 0 109,682
NORTHERN LTS FD TR IV INSPIRE CORP BD 66538H633   518 21,976 SH   SOLE   0 0 21,976
NVIDIA CORPORATION COM 67066G104   1,205 2,063 SH   SOLE   0 0 2,063
ONEOK INC NEW COM 682680103   380 4,743 SH   SOLE   0 0 4,743
PACER FDS TR TRENDPILOT US BD 69374H642   1,340 65,502 SH   SOLE   0 0 65,502
PACER FDS TR PACER US SMALL 69374H857   318 6,482 SH   SOLE   0 0 6,482
PACER FDS TR US CASH COWS 100 69374H881   635 10,930 SH   SOLE   0 0 10,930
PEPSICO INC COM 713448108   563 3,241 SH   SOLE   0 0 3,241
PHILLIPS 66 COM 718546104   396 2,902 SH   SOLE   0 0 2,902
PIMCO ETF TR 25YR+ ZERO U S 72201R882   324 3,802 SH   SOLE   0 0 3,802
PROCTER AND GAMBLE CO COM 742718109   639 1,117,625 SH   SOLE   0 0 1,117,625
PROLOGIS INC. COM 74340W103   351 2,654 SH   SOLE   0 0 2,654
RTX CORPORATION COM 75513E101   254 2,739 SH   SOLE   0 0 2,739
SALESFORCE INC COM 79466L302   502 1,908 SH   SOLE   0 0 1,908
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   731 13,142 SH   SOLE   0 0 13,142
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   578 16,232 SH   SOLE   0 0 16,232
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   344 4,272 SH   SOLE   0 0 4,272
SEA LTD NOTE 0.250% 9/1 81141RAG5   44 54,000 SH   SOLE   0 0 54,000
SELECT SECTOR SPDR TR ENERGY 81369Y506   676 7,381 SH   SOLE   0 0 7,381
SHELL PLC SPON ADS 780259305   271 4,063 SH   SOLE   0 0 4,063
SNAP INC NOTE 5/0 83304AAF3   23 29,000 SH   SOLE   0 0 29,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   505 1,341 SH   SOLE   0 0 1,341
SPDR GOLD TR GOLD SHS 78463V107   462 2,323 SH   SOLE   0 0 2,323
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,070 4,355 SH   SOLE   0 0 4,355
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   945 1,863 SH   SOLE   0 0 1,863
SPDR SER TR PRTFLO S&P500 GW 78464A409   332 4,549 SH   SOLE   0 0 4,549
SPDR SER TR S&P DIVID ETF 78464A763   869 6,863 SH   SOLE   0 0 6,863
STARBUCKS CORP COM 855244109   341 3,569 SH   SOLE   0 0 3,569
TESLA INC COM 88160R101   352 1,978 SH   SOLE   0 0 1,978
THERMO FISHER SCIENTIFIC INC COM 883556102   216 403 SH   SOLE   0 0 403
T-MOBILE US INC COM 872590104   244 1,521 SH   SOLE   0 0 1,521
UNITEDHEALTH GROUP INC COM 91324P102   299 574 SH   SOLE   0 0 574
VANECK ETF TRUST GOLD MINERS ETF 92189F106   360 11,409 SH   SOLE   0 0 11,409
VANECK ETF TRUST GAMING ETF 92189F882   257 6,000 SH   SOLE   0 0 6,000
VANGUARD BD INDEX FDS INTERMED TERM 921937819   607 8,056 SH   SOLE   0 0 8,056
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   316 4,116 SH   SOLE   0 0 4,116
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,166 16,044 SH   SOLE   0 0 16,044
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,878 38,164 SH   SOLE   0 0 38,164
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,748 14,420 SH   SOLE   0 0 14,420
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   250 2,846 SH   SOLE   0 0 2,846
VANGUARD INDEX FDS MID CAP ETF 922908629   218 940 SH   SOLE   0 0 940
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,031 11,599 SH   SOLE   0 0 11,599
VANGUARD INDEX FDS GROWTH ETF 922908736   12,620 36,666 SH   SOLE   0 0 36,666
VANGUARD INDEX FDS VALUE ETF 922908744   9,336 57,326 SH   SOLE   0 0 57,326
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,171 13,261 SH   SOLE   0 0 13,261
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   327 7,916 SH   SOLE   0 0 7,916
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   466 9,732 SH   SOLE   0 0 9,732
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   623 12,318 SH   SOLE   0 0 12,318
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   838 10,462 SH   SOLE   0 0 10,462
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,432 13,369 SH   SOLE   0 0 13,369
VANGUARD STAR FDS VG TL INTL STK F 921909768   240 3,989 SH   SOLE   0 0 3,989
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   224 4,475 SH   SOLE   0 0 4,475
VANGUARD WORLD FD MEGA CAP INDEX 921910873   275 1,627 SH   SOLE   0 0 1,627
VERIZON COMMUNICATIONS INC COM 92343V104   270 6,590 SH   SOLE   0 0 6,590
VISA INC COM CL A 92826C839   1,058 4,048 SH   SOLE   0 0 4,048
WALMART INC COM 931142103   301 3,941 SH   SOLE   0 0 3,941