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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
ISHARES TR JPMORGAN USD EMG 464288281   362,272 3,871 SH   SOLE   3,871 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   7,630,324 148,162 SH   SOLE   148,162 0 0
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108   2,123,388 182,422 SH   SOLE   182,422 0 0
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200   2,891,544 118,745 SH   SOLE   118,745 0 0
FIRST TR EXCHANGE-TRADED FD RBA INDL ETF 33738R704   866,695 11,607 SH   SOLE   11,607 0 0
ISHARES INC MSCI GBL MIN VOL 464286525   3,741,975 32,672 SH   SOLE   32,672 0 0
ISHARES INC MSCI MEXICO ETF 464286822   413,997 7,708 SH   SOLE   7,708 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,581,091 17,316 SH   SOLE   17,316 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   234,524 1,308 SH   SOLE   1,308 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   10,064,885 244,769 SH   SOLE   244,769 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   844,530 21,919 SH   SOLE   21,919 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,423,305 65,192 SH   SOLE   65,192 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,995,833 36,055 SH   SOLE   36,055 0 0
SPDR GOLD TR GOLD SHS 78463V107   2,015,210 8,291 SH   SOLE   8,291 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   775,741 17,366 SH   SOLE   17,366 0 0
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   1,901,569 54,284 SH   SOLE   54,284 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   2,661,398 27,451 SH   SOLE   27,451 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,631,021 33,480 SH   SOLE   33,480 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,912,904 111,966 SH   SOLE   111,966 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,717,072 28,474 SH   SOLE   28,474 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,281,901 19,801 SH   SOLE   19,801 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,759,271 9,745 SH   SOLE   9,745 0 0
CHEVRON CORP NEW COM 166764100   1,309,819 8,894 SH   SOLE   8,894 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   506,127 888 SH   SOLE   888 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,191,453 34,785 SH   SOLE   34,785 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,911,328 60,843 SH   SOLE   60,843 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,168,546 32,525 SH   SOLE   32,525 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,738,553 13,561 SH   SOLE   13,561 0 0
ISHARES INC MSCI CDA ETF 464286509   275,734 6,641 SH   SOLE   6,641 0 0
ISHARES TR US INFRASTRUC 46435U713   863,925 18,393 SH   SOLE   18,393 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,315,054 16,362 SH   SOLE   16,362 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   952,306 11,789 SH   SOLE   11,789 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,229,903 24,461 SH   SOLE   24,461 0 0
ISHARES TR ISHARES BIOTECH 464287556   538,940 3,702 SH   SOLE   3,702 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   784,661 11,823 SH   SOLE   11,823 0 0
ISHARES TR INTL SEL DIV ETF 464288448   735,034 24,315 SH   SOLE   24,315 0 0
ISHARES TR TIPS BD ETF 464287176   670,440 6,069 SH   SOLE   6,069 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,891,024 99,076 SH   SOLE   99,076 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,551,200 83,452 SH   SOLE   83,452 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,143,012 15,218 SH   SOLE   15,218 0 0
CATERPILLAR INC COM 149123101   1,084,773 2,774 SH   SOLE   2,774 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   748,033 3,384 SH   SOLE   3,384 0 0
PEPSICO INC COM 713448108   607,394 3,572 SH   SOLE   3,572 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   302,783 516 SH   SOLE   516 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   872,160 10,982 SH   SOLE   10,982 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,231,369 26,269 SH   SOLE   26,269 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   6,929,512 26,265 SH   SOLE   26,265 0 0
ISHARES TR GLOBAL 100 ETF 464287572   1,332,810 13,441 SH   SOLE   13,441 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,693,979 14,152 SH   SOLE   14,152 0 0
KRANESHARES TRUST GLOBAL CARB STRA 500767678   340,878 10,767 SH   SOLE   10,767 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   430,055 8,721 SH   SOLE   8,721 0 0
ISHARES TR EAFE SML CP ETF 464288273   2,860,389 42,251 SH   SOLE   42,251 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   565,545 2,004 SH   SOLE   2,004 0 0
DOUBLELINE YIELD OPPORTUNITI COM 25862D105   1,878,311 113,219 SH   SOLE   113,219 0 0
FS KKR CAP CORP COM 302635206   206,021 10,442 SH   SOLE   10,442 0 0
INVESCO EXCHANGE TRADED FD T DJ INDL AVG DV 46137V605   210,360 4,000 SH   SOLE   4,000 0 0
ISHARES INC GLB ENR PROD ETF 464286343   620,250 25,000 SH   SOLE   25,000 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   892,715 23,863 SH   SOLE   23,863 0 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   411,621 7,213 SH   SOLE   7,213 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   480,003 5,467 SH   SOLE   5,467 0 0
NVIDIA CORPORATION COM 67066G104   1,939,390 15,970 SH   SOLE   15,970 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,026,609 7,580 SH   SOLE   7,580 0 0
INVESCO MUNI INCOME OPP TRST COM 46132X101   102,159 14,892 SH   SOLE   14,892 0 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593   419,385 11,967 SH   SOLE   11,967 0 0
AMPLIFY ETF TR AMPLIFY ETHO CLI 032108557   481,103 8,030 SH   SOLE   8,030 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   734,605 3,852 SH   SOLE   3,852 0 0
ISHARES TR MRGSTR SM CP GR 464288604   1,068,611 21,826 SH   SOLE   21,826 0 0
ISHARES TR MSCI KLD400 SOC 464288570   2,927,457 26,909 SH   SOLE   26,909 0 0
ALPHABET INC CAP STK CL A 02079K305   910,053 5,487 SH   SOLE   5,487 0 0
ALPHABET INC CAP STK CL C 02079K107   485,115 2,902 SH   SOLE   2,902 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   671,528 20,810 SH   SOLE   20,810 0 0
SPDR SER TR RUSSELL YIELD 78468R770   645,376 5,754 SH   SOLE   5,754 0 0
STARBUCKS CORP COM 855244109   448,276 4,598 SH   SOLE   4,598 0 0
PROSHARES TR RUSS 2000 DIVD 74347B698   292,579 4,224 SH   SOLE   4,224 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   552,268 1,132 SH   SOLE   1,132 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   344,895 3,138 SH   SOLE   3,138 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   974,638 5,583 SH   SOLE   5,583 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   465,114 6,064 SH   SOLE   6,064 0 0
NEXTERA ENERGY INC COM 65339F101   583,595 6,904 SH   SOLE   6,904 0 0
PROCTER AND GAMBLE CO COM 742718109   663,529 3,831 SH   SOLE   3,831 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   490,777 6,842 SH   SOLE   6,842 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   507,320 9,529 SH   SOLE   9,529 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   711,184 5,544 SH   SOLE   5,544 0 0
ENPHASE ENERGY INC COM 29355A107   409,924 3,627 SH   SOLE   3,627 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,905,726 10,637 SH   SOLE   10,637 0 0
ISHARES TR U.S. REAL ES ETF 464287739   824,245 8,091 SH   SOLE   8,091 0 0
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683   292,486 15,313 SH   SOLE   15,313 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   253,482 6,602 SH   SOLE   6,602 0 0
SPDR SER TR S&P DIVID ETF 78464A763   293,158 2,064 SH   SOLE   2,064 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   544,713 949 SH   SOLE   949 0 0
TARGET CORP COM 87612E106   356,820 2,289 SH   SOLE   2,289 0 0
WELLS FARGO CO NEW COM 949746101   538,745 9,537 SH   SOLE   9,537 0 0
APPLE INC COM 037833100   9,075,449 38,950 SH   SOLE   38,950 0 0
JPMORGAN CHASE & CO. COM 46625H100   688,036 3,263 SH   SOLE   3,263 0 0
LINDE PLC SHS G54950103   401,039 841 SH   SOLE   841 0 0
ISHARES TR MSCI EAFE ETF 464287465   502,886 6,013 SH   SOLE   6,013 0 0
AMAZON COM INC COM 023135106   1,792,867 9,622 SH   SOLE   9,622 0 0
ORACLE CORP COM 68389X105   512,734 3,009 SH   SOLE   3,009 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   731,861 24,885 SH   SOLE   24,885 0 0
ABBOTT LABS COM 002824100   261,539 2,294 SH   SOLE   2,294 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   410,471 6,891 SH   SOLE   6,891 0 0
CISCO SYS INC COM 17275R102   646,038 12,139 SH   SOLE   12,139 0 0
DEERE & CO COM 244199105   466,992 1,119 SH   SOLE   1,119 0 0
EXXON MOBIL CORP COM 30231G102   200,798 1,713 SH   SOLE   1,713 0 0
MERCK & CO INC COM 58933Y105   227,931 2,007 SH   SOLE   2,007 0 0
MICROSOFT CORP COM 594918104   2,744,236 6,377 SH   SOLE   6,377 0 0
PUBLIC STORAGE OPER CO COM 74460D109   405,351 1,114 SH   SOLE   1,114 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   380,491 991 SH   SOLE   991 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,290,792 20,712 SH   SOLE   20,712 0 0
HOME DEPOT INC COM 437076102   573,907 1,416 SH   SOLE   1,416 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,260,254 33,724 SH   SOLE   33,724 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   429,889 11,268 SH   SOLE   11,268 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   267,952 3,734 SH   SOLE   3,734 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429   245,214 13,429 SH   SOLE   13,429 0 0
JOHNSON & JOHNSON COM 478160104   1,310,373 8,086 SH   SOLE   8,086 0 0
META PLATFORMS INC CL A 30303M102   370,941 648 SH   SOLE   648 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   787,242 1,492 SH   SOLE   1,492 0 0
ISHARES TR MSCI USA ESG SLC 464288802   300,653 2,498 SH   SOLE   2,498 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   423,074 4,822 SH   SOLE   4,822 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   701,403 4,183 SH   SOLE   4,183 0 0
QUALCOMM INC COM 747525103   274,336 1,613 SH   SOLE   1,613 0 0
BLACKROCK CORPOR HI YLD FD I COM 09255P107   713,944 70,969 SH   SOLE   70,969 0 0
ABBVIE INC COM 00287Y109   386,468 1,957 SH   SOLE   1,957 0 0
ISHARES TR CORE S&P SCP ETF 464287804   711,513 6,083 SH   SOLE   6,083 0 0
MCDONALDS CORP COM 580135101   786,335 2,582 SH   SOLE   2,582 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   238,652 2,850 SH   SOLE   2,850 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100   164,421 14,576 SH   SOLE   14,576 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   343,976 19,004 SH   SOLE   19,004 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   274,467 3,247 SH   SOLE   3,247 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   623,569 8,493 SH   SOLE   8,493 0 0
TESLA INC COM 88160R101   629,482 2,406 SH   SOLE   2,406 0 0
US BANCORP DEL COM NEW 902973304   352,212 7,702 SH   SOLE   7,702 0 0
AON PLC SHS CL A G0403H108   339,762 982 SH   SOLE   982 0 0
JEFFERIES FINL GROUP INC COM 47233W109   240,661 3,910 SH   SOLE   3,910 0 0
OSISKO GOLD ROYALTIES LTD COM 68827L101   272,097 14,700 SH   SOLE   14,700 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   453,164 2,716 SH   SOLE   2,716 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   609,059 3,347 SH   SOLE   3,347 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   365,023 1,499 SH   SOLE   1,499 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   465,178 15,980 SH   SOLE   15,980 0 0
CALIFORNIA BANCORP COM 84252A106   189,889 12,839 SH   SOLE   12,839 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   432,090 34,987 SH   SOLE   34,987 0 0
WILLIAMS SONOMA INC COM 969904101   443,071 2,860 SH   SOLE   2,860 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876   654,688 3,761 SH   SOLE   3,761 0 0
SPDR SER TR GLB DOW ETF 78464A706   242,909 1,762 SH   SOLE   1,762 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   206,417 5,015 SH   SOLE   5,015 0 0
PARK NATL CORP COM 700658107   675,280 4,020 SH   SOLE   4,020 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   390,054 4,493 SH   SOLE   4,493 0 0
BROADCOM INC COM 11135F101   417,662 2,421 SH   SOLE   2,421 0 0
BLACKROCK RES & COMMODITIES SHS 09257A108   126,471 13,174 SH   SOLE   13,174 0 0
ISHARES TR U.S. MED DVC ETF 464288810   376,639 6,360 SH   SOLE   6,360 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105   303,975 17,500 SH   SOLE   17,500 0 0
BECTON DICKINSON & CO COM 075887109   241,100 1,000 SH   SOLE   1,000 0 0
TEXAS INSTRS INC COM 882508104   416,032 2,014 SH   SOLE   2,014 0 0
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   284,400 20,000 SH   SOLE   20,000 0 0
MEDTRONIC PLC SHS G5960L103   354,808 3,941 SH   SOLE   3,941 0 0
ISHARES TR S&P MC 400GR ETF 464287606   265,879 2,892 SH   SOLE   2,892 0 0
DOUBLELINE INCOME SOLUTIONS COM 258622109   263,533 20,303 SH   SOLE   20,303 0 0
PIMCO HIGH INCOME FD COM SHS 722014107   250,140 50,028 SH   SOLE   50,028 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   562,438 1,222 SH   SOLE   1,222 0 0
THREDUP INC CL A 88556E102   25,264 30,005 SH   SOLE   30,005 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   419,405 1,858 SH   SOLE   1,858 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   313,180 1,189 SH   SOLE   1,189 0 0
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   284,164 9,143 SH   SOLE   9,143 0 0
NORFOLK SOUTHN CORP COM 655844108   244,276 983 SH   SOLE   983 0 0
PARKER-HANNIFIN CORP COM 701094104   259,046 410 SH   SOLE   410 0 0