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
ABBOTT LABS COM 002824100   536,269 4,919 SH   SOLE   0 4,919 0
ABBVIE INC COM 00287Y109   638,890 4,742 SH   SOLE   0 4,742 0
ABRDN ETFS BBRG ALL COMD K1 003261104   1,694,166 84,036 SH   SOLE   0 84,036 0
ALPHABET INC CAP STK CL A 02079K305   430,800 3,599 SH   SOLE   0 3,599 0
AMAZON COM INC COM 023135106   573,063 4,396 SH   SOLE   0 4,396 0
APPLE INC COM 037833100   1,572,903 8,109 SH   SOLE   0 8,109 0
ARDELYX INC COM 039697107   203,400 60,000 SH   SOLE   0 60,000 0
CANOO INC COM CL A 13803R102   23,970 50,000 SH   SOLE   0 50,000 0
CHEVRON CORP NEW COM 166764100   257,582 1,637 SH   SOLE   0 1,637 0
CLEARSIDE BIOMEDICAL INC COM 185063104   123,200 110,000 SH   SOLE   0 110,000 0
CVS HEALTH CORP COM 126650100   212,920 3,080 SH   SOLE   0 3,080 0
DBX ETF TR XTRACK USD HIGH 233051432   3,161,925 91,650 SH   SOLE   0 91,650 0
DTE ENERGY CO COM 233331107   346,783 3,152 SH   SOLE   0 3,152 0
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   113,460 61,000 SH   SOLE   0 61,000 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C383   1,141,797 33,811 SH   SOLE   0 33,811 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   1,125,257 34,401 SH   SOLE   0 34,401 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   1,027,787 32,453 SH   SOLE   0 32,453 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   799,619 24,027 SH   SOLE   0 24,027 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   623,245 18,621 SH   SOLE   0 18,621 0
INNOVATOR ETFS TR GRWT100 PWR BUF 45782C615   517,541 12,435 SH   SOLE   0 12,435 0
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821   491,959 16,470 SH   SOLE   0 16,470 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   433,709 12,790 SH   SOLE   0 12,790 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   344,869 10,078 SH   SOLE   0 10,078 0
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C391   329,457 8,878 SH   SOLE   0 8,878 0
INNOVATOR ETFS TR INTERNATIONAL DV 45782C631   281,794 10,807 SH   SOLE   0 10,807 0
INNOVATOR ETFS TR US EQTY PWR BF 45782C680   258,960 8,300 SH   SOLE   0 8,300 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417   252,817 8,211 SH   SOLE   0 8,211 0
INNOVATOR ETFS TR US SML CP PWR B 45782C599   242,392 8,951 SH   SOLE   0 8,951 0
INNOVATOR ETFS TR GRWT100 PWR BF 45782C334   221,499 5,313 SH   SOLE   0 5,313 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,742,789 27,747 SH   SOLE   0 27,747 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,422,282 52,003 SH   SOLE   0 52,003 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   773,808 36,778 SH   SOLE   0 36,778 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   2,436,542 16,283 SH   SOLE   0 16,283 0
ISHARES INC MSCI GBL MIN VOL 464286525   3,166,078 32,289 SH   SOLE   0 32,289 0
ISHARES INC CORE MSCI EMKT 46434G103   513,848 10,425 SH   SOLE   0 10,425 0
ISHARES TR SHRT NAT MUN ETF 464288158   8,436,291 81,087 SH   SOLE   0 81,087 0
ISHARES TR NATIONAL MUN ETF 464288414   7,329,363 68,672 SH   SOLE   0 68,672 0
ISHARES TR MSCI USA MIN VOL 46429B697   6,892,954 92,734 SH   SOLE   0 92,734 0
ISHARES TR MSCI EAFE MIN VL 46429B689   3,284,811 48,664 SH   SOLE   0 48,664 0
ISHARES TR CORE MSCI EAFE 46432F842   2,556,293 37,871 SH   SOLE   0 37,871 0
ISHARES TR CORE MSCI INTL 46435G326   871,466 14,258 SH   SOLE   0 14,258 0
ISHARES TR RUSSELL 3000 ETF 464287689   534,917 2,102 SH   SOLE   0 2,102 0
ISHARES TR RUS 2000 GRW ETF 464287648   506,917 2,089 SH   SOLE   0 2,089 0
ISHARES TR CORE US AGGBD ET 464287226   384,356 3,924 SH   SOLE   0 3,924 0
ISHARES TR RUS 2000 VAL ETF 464287630   352,986 2,507 SH   SOLE   0 2,507 0
ISHARES TR JPMORGAN USD EMG 464288281   332,833 3,846 SH   SOLE   0 3,846 0
ISHARES TR S&P 500 GRWT ETF 464287309   322,587 4,577 SH   SOLE   0 4,577 0
ISHARES TR S&P 500 VAL ETF 464287408   256,453 1,591 SH   SOLE   0 1,591 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   789,906 15,754 SH   SOLE   0 15,754 0
JPMORGAN CHASE & CO COM 46625H100   508,458 3,496 SH   SOLE   0 3,496 0
LILLY ELI & CO COM 532457108   774,755 1,652 SH   SOLE   0 1,652 0
LOOP MEDIA INC COM NEW 54352F206   79,152 33,118 SH   SOLE   0 33,118 0
MICROSOFT CORP COM 594918104   722,966 2,123 SH   SOLE   0 2,123 0
NVIDIA CORPORATION COM 67066G104   266,926 631 SH   SOLE   0 631 0
PROCTER AND GAMBLE CO COM 742718109   477,374 3,146 SH   SOLE   0 3,146 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   23,098,822 441,070 SH   SOLE   0 441,070 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,992,653 113,988 SH   SOLE   0 113,988 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,152,015 65,585 SH   SOLE   0 65,585 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,647,371 39,460 SH   SOLE   0 39,460 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,614,406 34,882 SH   SOLE   0 34,882 0
SNAP INC CL A 83304A106   296,296 25,025 SH   SOLE   0 25,025 0
SPDR GOLD TR GOLD SHS 78463V107   209,111 1,173 SH   SOLE   0 1,173 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   328,470 741 SH   SOLE   0 741 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   3,111,294 124,402 SH   SOLE   0 124,402 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,136,384 23,214 SH   SOLE   0 23,214 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,967,490 41,817 SH   SOLE   0 41,817 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,640,548 17,867 SH   SOLE   0 17,867 0
SPDR SER TR BLOOMBERG EMERGI 78464A391   689,054 32,564 SH   SOLE   0 32,564 0
SPDR SER TR PORTFOLIO S&P500 78464A854   358,308 6,876 SH   SOLE   0 6,876 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   330,979 5,425 SH   SOLE   0 5,425 0
SPDR SER TR S&P DIVID ETF 78464A763   213,655 1,743 SH   SOLE   0 1,743 0
TESLA INC COM 88160R101   277,214 1,059 SH   SOLE   0 1,059 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   3,204,762 125,382 SH   SOLE   0 125,382 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   2,758,498 53,730 SH   SOLE   0 53,730 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   16,580,269 228,096 SH   SOLE   0 228,096 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   378,908 5,014 SH   SOLE   0 5,014 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   238,534 4,880 SH   SOLE   0 4,880 0
VANGUARD INDEX FDS GROWTH ETF 922908736   5,560,473 19,651 SH   SOLE   0 19,651 0
VANGUARD INDEX FDS VALUE ETF 922908744   5,376,185 37,834 SH   SOLE   0 37,834 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,793,786 10,845 SH   SOLE   0 10,845 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,457,708 6,345 SH   SOLE   0 6,345 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   881,340 4,001 SH   SOLE   0 4,001 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   728,624 1,789 SH   SOLE   0 1,789 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,250,250 129,062 SH   SOLE   0 129,062 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,057,967 85,575 SH   SOLE   0 85,575 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,710,678 153,538 SH   SOLE   0 153,538 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   19,477,647 421,777 SH   SOLE   0 421,777 0
VANGUARD WELLINGTON FD US MINIMUM 921935409   214,535 2,150 SH   SOLE   0 2,150 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   3,464,661 55,639 SH   SOLE   0 55,639 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816   571,122 2,427 SH   SOLE   0 2,427 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   449,488 4,332 SH   SOLE   0 4,332 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   574,415 20,162 SH   SOLE   0 20,162 0
WISDOMTREE TR BLMBG US BULL 97717W471   870,572 32,827 SH   SOLE   0 32,827 0