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   308,079 595 SH   SOLE   595 0 0
AIRBNB INC COM CL A 009066101   3,451,768 27,220 SH   SOLE   27,220 0 0
ALPHABET INC CAP STK CL C 02079K107   946,964 5,664 SH   SOLE   5,664 0 0
ALPHABET INC CAP STK CL A 02079K305   286,755 1,729 SH   SOLE   1,729 0 0
AMAZON COM INC COM 023135106   1,193,630 6,406 SH   SOLE   6,406 0 0
AMERICAN TOWER CORP NEW COM 03027X100   369,073 1,587 SH   SOLE   1,587 0 0
APPLE INC COM 037833100   11,468,260 49,220 SH   SOLE   49,220 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   679,804 1,477 SH   SOLE   1,477 0 0
BLOCK INC CL A 852234103   2,664,255 39,688 SH   SOLE   39,688 0 0
BROADCOM INC COM 11135F101   381,053 2,209 SH   SOLE   2,209 0 0
CHEVRON CORP NEW COM 166764100   332,388 2,257 SH   SOLE   2,257 0 0
COMCAST CORP NEW CL A 20030N101   243,268 5,824 SH   SOLE   5,824 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,181,333 29,764 SH   SOLE   29,764 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,861,961 67,930 SH   SOLE   67,930 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   2,049,925 32,957 SH   SOLE   32,957 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   317,577 12,386 SH   SOLE   12,386 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   720,330 21,007 SH   SOLE   21,007 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   308,246 5,541 SH   SOLE   5,541 0 0
DISNEY WALT CO COM 254687106   201,133 2,091 SH   SOLE   2,091 0 0
EQUIFAX INC COM 294429105   232,443 791 SH   SOLE   791 0 0
EQUINIX INC COM 29444U700   220,132 248 SH   SOLE   248 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   3,310,638 60,106 SH   SOLE   60,106 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   3,293,529 51,578 SH   SOLE   51,578 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   3,362,754 38,023 SH   SOLE   38,023 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,402,241 27,468 SH   SOLE   27,468 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,308,574 95,871 SH   SOLE   95,871 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   3,872,159 53,189 SH   SOLE   53,189 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   4,155,621 57,581 SH   SOLE   57,581 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   6,650,195 38,110 SH   SOLE   38,110 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   1,031,999 19,040 SH   SOLE   19,040 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,855,778 35,812 SH   SOLE   35,812 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,326,036 96,516 SH   SOLE   96,516 0 0
HONEYWELL INTL INC COM 438516106   238,957 1,156 SH   SOLE   1,156 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   245,940 1,531 SH   SOLE   1,531 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   265,914 5,553 SH   SOLE   5,553 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   168,367 10,100 SH   SOLE   10,100 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   276,532 13,450 SH   SOLE   13,450 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   248,412 12,700 SH   SOLE   12,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   997,473 30,491 SH   SOLE   30,491 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   899,854 27,799 SH   SOLE   27,799 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   2,726,270 39,519 SH   SOLE   39,519 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   4,946,805 131,215 SH   SOLE   131,215 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,563,821 30,010 SH   SOLE   30,010 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,764,335 54,742 SH   SOLE   54,742 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,394,433 83,545 SH   SOLE   83,545 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   348,482 9,325 SH   SOLE   9,325 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   355,916 15,431 SH   SOLE   15,431 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   8,352,013 46,758 SH   SOLE   46,758 0 0
ISHARES TR TRS FLT RT BD 46434V860   1,143,408 22,597 SH   SOLE   22,597 0 0
ISHARES TR IBONDS OCT 2031 46438G877   1,306,575 49,529 SH   SOLE   49,529 0 0
ISHARES TR IBONDS DEC 2031 46436E460   2,223,180 106,781 SH   SOLE   106,781 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   440,202 4,515 SH   SOLE   4,515 0 0
ISHARES TR 20 YR TR BD ETF 464287432   3,308,521 33,726 SH   SOLE   33,726 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833   246,882 10,970 SH   SOLE   10,970 0 0
ISHARES TR RUS TP200 GR ETF 464289438   530,541 2,411 SH   SOLE   2,411 0 0
ISHARES TR RUS TP200 VL ETF 464289420   304,031 3,741 SH   SOLE   3,741 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,372,323 33,076 SH   SOLE   33,076 0 0
ISHARES TR FALN ANGLS USD 46435G474   603,503 22,074 SH   SOLE   22,074 0 0
ISHARES TR CORE US AGGBD ET 464287226   207,806 2,052 SH   SOLE   2,052 0 0
ISHARES TR DOW JONES US ETF 464287846   305,702 2,190 SH   SOLE   2,190 0 0
ISHARES TR IBONDS DEC 29 46436E205   229,575 9,765 SH   SOLE   9,765 0 0
ISHARES TR IBONDS DEC 2031 46436E486   286,470 13,500 SH   SOLE   13,500 0 0
ISHARES TR IBOND DEC 2030 46436E593   732,685 36,552 SH   SOLE   36,552 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   458,156 18,800 SH   SOLE   18,800 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   335,340 13,800 SH   SOLE   13,800 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841   400,640 17,700 SH   SOLE   17,700 0 0
ISHARES TR IBONDS DEC 2030 46436E726   241,653 10,900 SH   SOLE   10,900 0 0
JPMORGAN CHASE & CO. COM 46625H100   294,571 1,397 SH   SOLE   1,397 0 0
MARQETA INC CLASS A COM 57142B104   72,491 14,734 SH   SOLE   14,734 0 0
MASTERCARD INCORPORATED CL A 57636Q104   247,888 502 SH   SOLE   502 0 0
META PLATFORMS INC CL A 30303M102   810,003 1,415 SH   SOLE   1,415 0 0
MICROSOFT CORP COM 594918104   1,231,088 2,861 SH   SOLE   2,861 0 0
NVIDIA CORPORATION COM 67066G104   901,328 7,422 SH   SOLE   7,422 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   251,993 6,774 SH   SOLE   6,774 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   5,408,345 93,651 SH   SOLE   93,651 0 0
PROCTER AND GAMBLE CO COM 742718109   338,779 1,956 SH   SOLE   1,956 0 0
PROLOGIS INC. COM 74340W103   315,700 2,500 SH   SOLE   2,500 0 0
PUBLIC STORAGE OPER CO COM 74460D109   277,633 763 SH   SOLE   763 0 0
REALTY INCOME CORP COM 756109104   272,262 4,293 SH   SOLE   4,293 0 0
SALESFORCE INC COM 79466L302   331,463 1,211 SH   SOLE   1,211 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   2,315,426 38,869 SH   SOLE   38,869 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   1,715,710 23,909 SH   SOLE   23,909 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,810,902 25,734 SH   SOLE   25,734 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   511,455 22,074 SH   SOLE   22,074 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   642,417 16,851 SH   SOLE   16,851 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,180,631 13,967 SH   SOLE   13,967 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   493,396 9,200 SH   SOLE   9,200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,164,704 14,018 SH   SOLE   14,018 0 0
SERVICENOW INC COM 81762P102   207,498 232 SH   SOLE   232 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   537,108 14,300 SH   SOLE   14,300 0 0
SPDR SER TR S&P INS ETF 78464A789   256,226 4,515 SH   SOLE   4,515 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   218,124 8,300 SH   SOLE   8,300 0 0
TERADYNE INC COM 880770102   201,966 1,508 SH   SOLE   1,508 0 0
TESLA INC COM 88160R101   248,025 948 SH   SOLE   948 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   8,106,813 21,135 SH   SOLE   21,135 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   487,417 2,907 SH   SOLE   2,907 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   291,131 1,450 SH   SOLE   1,450 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   561,766 3,218 SH   SOLE   3,218 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,206,545 4,261 SH   SOLE   4,261 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,015,818 71,874 SH   SOLE   71,874 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,565,501 43,247 SH   SOLE   43,247 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   489,813 9,275 SH   SOLE   9,275 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   329,745 2,268 SH   SOLE   2,268 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   337,282 2,754 SH   SOLE   2,754 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   456,352 2,158 SH   SOLE   2,158 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   630,435 2,234 SH   SOLE   2,234 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   650,657 1,911 SH   SOLE   1,911 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   334,903 571 SH   SOLE   571 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   228,816 5,095 SH   SOLE   5,095 0 0
VISA INC COM CL A 92826C839   433,596 1,577 SH   SOLE   1,577 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   2,048,224 62,128 SH   SOLE   62,128 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   6,624,251 131,905 SH   SOLE   131,905 0 0