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
ADOBE INC COM 00724F101   252,958 424 SH   SOLE   424 0 0
AIRBNB INC COM CL A 009066101   3,841,871 28,220 SH   SOLE   28,220 0 0
ALPHABET INC CAP STK CL C 02079K107   812,321 5,764 SH   SOLE   5,764 0 0
ALPHABET INC CAP STK CL A 02079K305   259,823 1,860 SH   SOLE   1,860 0 0
AMAZON COM INC COM 023135106   1,067,986 7,029 SH   SOLE   7,029 0 0
APPLE INC COM 037833100   10,847,281 56,341 SH   SOLE   56,341 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   523,577 1,468 SH   SOLE   1,468 0 0
BLOCK INC CL A 852234103   3,058,651 39,543 SH   SOLE   39,543 0 0
BOEING CO COM 097023105   234,333 899 SH   SOLE   899 0 0
BROADCOM INC COM 11135F101   238,878 214 SH   SOLE   214 0 0
CHEVRON CORP NEW COM 166764100   323,528 2,169 SH   SOLE   2,169 0 0
COMCAST CORP NEW CL A 20030N101   263,232 6,003 SH   SOLE   6,003 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   827,859 24,898 SH   SOLE   24,898 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,482,355 61,483 SH   SOLE   61,483 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,722,155 33,227 SH   SOLE   33,227 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   280,043 12,315 SH   SOLE   12,315 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   618,068 21,145 SH   SOLE   21,145 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   289,961 5,541 SH   SOLE   5,541 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   2,348,680 52,726 SH   SOLE   52,726 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   2,677,018 49,991 SH   SOLE   49,991 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   2,760,058 34,964 SH   SOLE   34,964 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   978,557 21,926 SH   SOLE   21,926 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   1,688,210 73,273 SH   SOLE   73,273 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   2,932,527 45,332 SH   SOLE   45,332 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   3,582,077 58,502 SH   SOLE   58,502 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   3,959,437 27,565 SH   SOLE   27,565 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   768,435 15,766 SH   SOLE   15,766 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,171,334 28,667 SH   SOLE   28,667 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,468,957 104,484 SH   SOLE   104,484 0 0
HONEYWELL INTL INC COM 438516106   275,978 1,316 SH   SOLE   1,316 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   215,634 1,679 SH   SOLE   1,679 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   256,931 5,325 SH   SOLE   5,325 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   151,404 13,200 SH   SOLE   13,200 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   165,792 10,100 SH   SOLE   10,100 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   272,766 13,450 SH   SOLE   13,450 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   245,110 12,700 SH   SOLE   12,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   643,926 21,962 SH   SOLE   21,962 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   862,264 27,463 SH   SOLE   27,463 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   2,458,819 41,956 SH   SOLE   41,956 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   4,071,840 124,750 SH   SOLE   124,750 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,380,392 30,368 SH   SOLE   30,368 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,609,669 54,052 SH   SOLE   54,052 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,159,869 89,769 SH   SOLE   89,769 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   336,501 10,004 SH   SOLE   10,004 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   270,192 11,822 SH   SOLE   11,822 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   7,305,566 49,691 SH   SOLE   49,691 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   215,715 2,188 SH   SOLE   2,188 0 0
ISHARES TR FALN ANGLS USD 46435G474   708,734 26,846 SH   SOLE   26,846 0 0
ISHARES TR TRS FLT RT BD 46434V860   532,459 10,550 SH   SOLE   10,550 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   556,652 5,775 SH   SOLE   5,775 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,895,997 29,288 SH   SOLE   29,288 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833   275,910 12,420 SH   SOLE   12,420 0 0
ISHARES TR RUS TP200 GR ETF 464289438   422,455 2,411 SH   SOLE   2,411 0 0
ISHARES TR RUS TP200 VL ETF 464289420   262,506 3,741 SH   SOLE   3,741 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,310,882 34,901 SH   SOLE   34,901 0 0
ISHARES TR CORE US AGGBD ET 464287226   222,122 2,238 SH   SOLE   2,238 0 0
ISHARES TR DOW JONES US ETF 464287846   255,201 2,190 SH   SOLE   2,190 0 0
ISHARES TR IBOND DEC 2030 46436E593   517,689 26,252 SH   SOLE   26,252 0 0
ISHARES TR IBOXX HI YD ETF 464288513   210,888 2,725 SH   SOLE   2,725 0 0
ISHARES TR IBONDS DEC 2030 46436E726   235,876 10,900 SH   SOLE   10,900 0 0
JPMORGAN CHASE & CO COM 46625H100   264,846 1,557 SH   SOLE   1,557 0 0
MARQETA INC CLASS A COM 57142B104   107,031 15,334 SH   SOLE   15,334 0 0
MASTERCARD INCORPORATED CL A 57636Q104   214,535 503 SH   SOLE   503 0 0
META PLATFORMS INC CL A 30303M102   494,128 1,396 SH   SOLE   1,396 0 0
MICROSOFT CORP COM 594918104   1,008,539 2,682 SH   SOLE   2,682 0 0
NVIDIA CORPORATION COM 67066G104   312,979 632 SH   SOLE   632 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   5,580,373 98,454 SH   SOLE   98,454 0 0
PROCTER AND GAMBLE CO COM 742718109   323,707 2,209 SH   SOLE   2,209 0 0
SALESFORCE INC COM 79466L302   315,505 1,199 SH   SOLE   1,199 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,143,263 38,722 SH   SOLE   38,722 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   1,513,752 24,439 SH   SOLE   24,439 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   696,726 33,642 SH   SOLE   33,642 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   706,074 20,258 SH   SOLE   20,258 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   1,590,983 26,039 SH   SOLE   26,039 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,112,259 14,610 SH   SOLE   14,610 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   480,240 9,200 SH   SOLE   9,200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,527,262 13,130 SH   SOLE   13,130 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   486,343 14,300 SH   SOLE   14,300 0 0
SPDR SER TR S&P INS ETF 78464A789   263,180 5,820 SH   SOLE   5,820 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   212,231 8,300 SH   SOLE   8,300 0 0
TESLA INC COM 88160R101   227,111 914 SH   SOLE   914 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   6,797,863 21,872 SH   SOLE   21,872 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   421,544 2,907 SH   SOLE   2,907 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   260,957 1,450 SH   SOLE   1,450 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   481,091 3,218 SH   SOLE   3,218 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   964,299 4,065 SH   SOLE   4,065 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,040,939 74,349 SH   SOLE   74,349 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,854,247 46,093 SH   SOLE   46,093 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   492,173 10,275 SH   SOLE   10,275 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   249,105 2,116 SH   SOLE   2,116 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   311,848 2,659 SH   SOLE   2,659 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   412,550 2,172 SH   SOLE   2,172 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   592,906 2,365 SH   SOLE   2,365 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   684,628 2,248 SH   SOLE   2,248 0 0
VISA INC COM CL A 92826C839   460,038 1,767 SH   SOLE   1,767 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,092,765 72,483 SH   SOLE   72,483 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   8,439,988 167,993 SH   SOLE   167,993 0 0