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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   1,050,221 48,065 SH   SOLE   48,065 0 0
ALPHABET INC CAP STK CL A 02079K305   2,642,399 21,843 SH   SOLE   21,843 0 0
ALPHABET INC CAP STK CL C 02079K107   1,219,064 10,184 SH   SOLE   10,184 0 0
AMAZON COM INC COM 023135106   1,931,456 14,816 SH   SOLE   14,816 0 0
APPLE INC COM 037833100   3,263,598 16,825 SH   SOLE   16,825 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   394,537 1,157 SH   SOLE   1,157 0 0
BOX INC CL A 10316T104   686,640 23,371 SH   SOLE   23,371 0 0
ISHARES GOLD TR ISHARES NEW 464285204   929,586 25,545 SH   SOLE   25,545 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,426,260 50,841 SH   SOLE   50,841 0 0
ISHARES TR CORE S&P TTL STK 464287150   660,989 4,188 SH   SOLE   4,188 0 0
ISHARES TR INTL DEVPPTY ETF 464288422   10,425,850 183,070 SH   SOLE   183,070 0 0
ISHARES TR GNMA BOND ETF 46429B333   1,958,858 44,682 SH   SOLE   44,682 0 0
ISHARES TR NEW YORK MUN ETF 464288323   1,180,669 22,168 SH   SOLE   22,168 0 0
META PLATFORMS INC CL A 30303M102   243,360 848 SH   SOLE   848 0 0
MICROSOFT CORP COM 594918104   379,220 1,114 SH   SOLE   1,114 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   667,823 61,100 SH   SOLE   61,100 0 0
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   1,027,060 89,000 SH   SOLE   89,000 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   2,680,091 28,256 SH   SOLE   28,256 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   332,144 13,874 SH   SOLE   13,874 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,250,650 46,830 SH   SOLE   46,830 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   203,261 4,641 SH   SOLE   4,641 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,039,734 19,831 SH   SOLE   19,831 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,522,478 184,629 SH   SOLE   184,629 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,333,336 87,933 SH   SOLE   87,933 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,517,461 351,120 SH   SOLE   351,120 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,291,702 133,646 SH   SOLE   133,646 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   211,267 2,510 SH   SOLE   2,510 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   248,212 7,268 SH   SOLE   7,268 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   805,749 1,818 SH   SOLE   1,818 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,442,949 19,870 SH   SOLE   19,870 0 0
SPDR SER TR S&P KENSHO FUTRE 78468R671   1,276,037 1,276,037 SH   SOLE   1,276,037 0 0
SPDR SER TR S&P OILGAS EXP 78468R556   32,748,237 633,429 SH   SOLE   633,429 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   3,407,367 65,740 SH   SOLE   65,740 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   202,315 4,300 SH   SOLE   4,300 0 0
TESLA INC COM 88160R101   488,472 1,866 SH   SOLE   1,866 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   21,597,685 508,588 SH   SOLE   508,588 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   533,471 2,131 SH   SOLE   2,131 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,215,267 3,822 SH   SOLE   3,822 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   668,959 2,365 SH   SOLE   2,365 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,321,348 24,285 SH   SOLE   24,285 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,070,499 100,061 SH   SOLE   100,061 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   233,907 2,072 SH   SOLE   2,072 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   271,241 613 SH   SOLE   613 0 0