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
ADOBE INC COM 00724F101   224,356 440 SH   SOLE   440 0 0
AIRBNB INC COM CL A 009066101   2,087,650 15,215 SH   SOLE   15,215 0 0
ALPHABET INC CAP STK CL C 02079K107   795,056 6,030 SH   SOLE   6,030 0 0
ALPHABET INC CAP STK CL A 02079K305   243,400 1,860 SH   SOLE   1,860 0 0
AMAZON COM INC COM 023135106   891,620 7,014 SH   SOLE   7,014 0 0
APPLE INC COM 037833100   9,960,484 58,177 SH   SOLE   58,177 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   505,833 1,444 SH   SOLE   1,444 0 0
BLOCK INC CL A 852234103   1,750,173 39,543 SH   SOLE   39,543 0 0
CHEVRON CORP NEW COM 166764100   361,859 2,146 SH   SOLE   2,146 0 0
CISCO SYS INC COM 17275R102   202,406 3,765 SH   SOLE   3,765 0 0
COMCAST CORP NEW CL A 20030N101   261,384 5,895 SH   SOLE   5,895 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   756,238 25,250 SH   SOLE   25,250 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   689,739 30,560 SH   SOLE   30,560 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,589,217 34,140 SH   SOLE   34,140 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   553,999 21,145 SH   SOLE   21,145 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   253,168 5,541 SH   SOLE   5,541 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   1,839,804 46,331 SH   SOLE   46,331 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   2,132,634 45,804 SH   SOLE   45,804 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   2,466,826 35,311 SH   SOLE   35,311 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   862,032 20,245 SH   SOLE   20,245 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,760,813 70,687 SH   SOLE   70,687 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,520,613 41,608 SH   SOLE   41,608 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   3,273,881 60,493 SH   SOLE   60,493 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   3,233,797 26,306 SH   SOLE   26,306 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   622,107 14,078 SH   SOLE   14,078 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   835,719 22,039 SH   SOLE   22,039 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,058,613 89,739 SH   SOLE   89,739 0 0
HONEYWELL INTL INC COM 438516106   266,026 1,440 SH   SOLE   1,440 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   233,075 5,325 SH   SOLE   5,325 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   144,540 13,200 SH   SOLE   13,200 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   553,168 20,773 SH   SOLE   20,773 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   813,874 27,093 SH   SOLE   27,093 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   2,101,886 41,465 SH   SOLE   41,465 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   3,591,856 127,597 SH   SOLE   127,597 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,396,966 30,885 SH   SOLE   30,885 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,461,406 53,336 SH   SOLE   53,336 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,087,017 97,015 SH   SOLE   97,015 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   310,317 10,004 SH   SOLE   10,004 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   6,808,653 51,615 SH   SOLE   51,615 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   212,061 2,188 SH   SOLE   2,188 0 0
ISHARES TR FALN ANGLS USD 46435G474   808,381 32,596 SH   SOLE   32,596 0 0
ISHARES TR TRS FLT RT BD 46434V860   273,996 5,400 SH   SOLE   5,400 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   660,918 7,203 SH   SOLE   7,203 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,245,351 37,053 SH   SOLE   37,053 0 0
ISHARES TR 20 YR TR BD ETF 464287432   997,230 11,244 SH   SOLE   11,244 0 0
ISHARES TR CORE US AGGBD ET 464287226   252,309 2,683 SH   SOLE   2,683 0 0
ISHARES TR DOW JONES US ETF 464287846   228,811 2,190 SH   SOLE   2,190 0 0
JPMORGAN CHASE & CO COM 46625H100   220,140 1,518 SH   SOLE   1,518 0 0
META PLATFORMS INC CL A 30303M102   415,491 1,384 SH   SOLE   1,384 0 0
MICROSOFT CORP COM 594918104   823,792 2,609 SH   SOLE   2,609 0 0
NVIDIA CORPORATION COM 67066G104   264,474 608 SH   SOLE   608 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   6,886,835 131,053 SH   SOLE   131,053 0 0
PROCTER AND GAMBLE CO COM 742718109   323,372 2,217 SH   SOLE   2,217 0 0
SALESFORCE INC COM 79466L302   250,636 1,236 SH   SOLE   1,236 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,885,825 38,891 SH   SOLE   38,891 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,383,802 24,724 SH   SOLE   24,724 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,059,985 14,980 SH   SOLE   14,980 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   738,791 41,622 SH   SOLE   41,622 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   672,617 20,923 SH   SOLE   20,923 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,572,316 28,539 SH   SOLE   28,539 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   550,341 10,900 SH   SOLE   10,900 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,175,023 13,268 SH   SOLE   13,268 0 0
SPDR SER TR S&P INS ETF 78464A789   247,583 5,820 SH   SOLE   5,820 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   206,172 8,300 SH   SOLE   8,300 0 0
TESLA INC COM 88160R101   222,195 888 SH   SOLE   888 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,768,363 21,178 SH   SOLE   21,178 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   846,029 3,983 SH   SOLE   3,983 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,637,988 74,190 SH   SOLE   74,190 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,185,703 46,246 SH   SOLE   46,246 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   445,113 10,181 SH   SOLE   10,181 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   337,002 2,659 SH   SOLE   2,659 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   424,572 2,461 SH   SOLE   2,461 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   552,250 2,349 SH   SOLE   2,349 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   607,429 2,255 SH   SOLE   2,255 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   440,641 4,189 SH   SOLE   4,189 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,678,839 100,398 SH   SOLE   100,398 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   8,221,177 163,378 SH   SOLE   163,378 0 0