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
Vanguard Muni BND Tax Exempt ETF ETF 922907746   13,725,090 276,604 SH   SOLE   0 0 276,604
Vanguard FTSE Developed Markets ETF ETF 921943858   12,416,284 244,270 SH   SOLE   0 0 244,270
Schwab US Large Cap Growth ETF ETF 808524300   10,586,547 422,785 SH   SOLE   0 0 422,785
Select STR Financial Select SPDR ETF ETF 81369Y605   7,593,355 152,446 SH   SOLE   0 0 152,446
iShares Core S&P 500 ETF ETF 464287200   7,577,985 13,486 SH   SOLE   0 0 13,486
Vanguard Mortgage Backed Sec ETF ETF 92206C771   6,513,918 140,659 SH   SOLE   0 0 140,659
Technology Select Sector SPDR ETF ETF 81369Y803   5,616,437 27,200 SH   SOLE   0 0 27,200
iShares iBoxx Invt Grade Bond ETF ETF 464287242   5,551,723 51,078 SH   SOLE   0 0 51,078
Health Care Select SPDR ETF 81369Y209   5,078,521 34,782 SH   SOLE   0 0 34,782
Fidelity MSCI Cons Discr Indx ETF ETF 316092204   4,546,859 53,802 SH   SOLE   0 0 53,802
iShares Core MSCI EAFE ETF ETF 46432F842   3,795,161 50,167 SH   SOLE   0 0 50,167
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   3,759,742 28,684 SH   SOLE   0 0 28,684
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   3,740,877 66,245 SH   SOLE   0 0 66,245
SPDR Nuveen BLMG HG YL MP BND ETF ETF 78464A284   3,671,844 145,592 SH   SOLE   0 0 145,592
iShares Inc MSCI Japan ETF ETF 46434G822   3,574,375 52,135 SH   SOLE   0 0 52,135
Vanguard FTSE Europe ETF ETF 922042874   3,554,059 50,620 SH   SOLE   0 0 50,620
Vanguard S&P 500 ETF ETF 922908363   3,323,507 6,467 SH   SOLE   0 0 6,467
iShares U.S. Treasury Bond ETF ETF 46429B267   2,994,003 130,259 SH   SOLE   0 0 130,259
iShares Expanded Tech Sector ETF ETF 464287549   2,837,985 31,300 SH   SOLE   0 0 31,300
Vanguard Russell 2000 Growth ETF ETF 92206C623   2,437,713 13,080 SH   SOLE   0 0 13,080
Invesco S&P 500 Equal Weight ETF ETF 46137V357   2,015,663 11,635 SH   SOLE   0 0 11,635
Vanguard Mid Cap ETF ETF 922908629   1,834,794 7,094 SH   SOLE   0 0 7,094
Invsc QQQ Trust SRS 1 ETF ETF 46090E103   1,685,768 3,595 SH   SOLE   0 0 3,595
Energy Select Sector SPDR ETF ETF 81369Y506   1,667,213 17,840 SH   SOLE   0 0 17,840
Schwab Intermediate Term US TRS ETF ETF 808524854   1,642,694 66,077 SH   SOLE   0 0 66,077
Schwab Long Term US Treasury ETF ETF 808524680   1,604,812 48,986 SH   SOLE   0 0 48,986
Nvidia Corp Common Stock 67066G104   1,531,689 14,132 SH   SOLE   0 0 14,132
SPDR S&P Aerospace & Defense ETF ETF 78464A631   1,173,716 7,304 SH   SOLE   0 0 7,304
Apple Inc Common Stock 037833100   1,023,584 4,608 SH   SOLE   0 0 4,608
iShares California Muni Bond ETF ETF 464288356   968,635 17,211 SH   SOLE   0 0 17,211
iShares Broad Usd HG YLD CRP BND ETF ETF 46435U853   949,134 25,784 SH   SOLE   0 0 25,784
Vanguard Total Bond Market ETF ETF 921937835   888,967 12,103 SH   SOLE   0 0 12,103
Communicat SVS SLCT Sec SPDR ETF IV ETF 81369Y852   770,988 7,993 SH   SOLE   0 0 7,993
Microsoft Corp Common Stock 594918104   748,819 1,994 SH   SOLE   0 0 1,994
SPDR S&P 500 ETF ETF 78462F103   719,809 1,286 SH   SOLE   0 0 1,286
Grayscale Bitcoin TR BTC Fund 389637109   661,279 10,147 SH   SOLE   0 0 10,147
SPDR Blackstone Senior Loan ETF ETF 78467V608   658,205 16,003 SH   SOLE   0 0 16,003
iShares MSCI Glo Gold Miners ETF ETF 46434G855   620,127 16,165 SH   SOLE   0 0 16,165
Tesla Inc Common Stock 88160R101   593,994 2,292 SH   SOLE   0 0 2,292
SPDR S&P Midcap 400 ETF ETF 78467Y107   569,223 1,067 SH   SOLE   0 0 1,067
Alphabet Inc Class C Common Stock 02079K107   568,677 3,640 SH   SOLE   0 0 3,640
Vanguard Dividend Appreciation ETF ETF 921908844   545,095 2,809 SH   SOLE   0 0 2,809
Vanguard High Dividend Yield ETF ETF 921946406   494,561 3,835 SH   SOLE   0 0 3,835
Charles Schwab US REIT ETF ETF 808524847   350,376 16,289 SH   SOLE   0 0 16,289
Shopify Inc F Class A Common Stock 82509L107   337,999 3,540 SH   SOLE   0 0 3,540
Alps Alerian MLP ETF ETF 00162Q452   336,363 6,476 SH   SOLE   0 0 6,476
iShares MSCI EAFE ETF ETF 464287465   305,086 3,732 SH   SOLE   0 0 3,732
SPDR Gold Shares ETF ETF 78463V107   287,563 998 SH   SOLE   0 0 998
Schwab US Aggregate Bond ETF ETF 808524839   276,113 11,922 SH   SOLE   0 0 11,922
Amazon.Com Inc Common Stock 023135106   270,930 1,424 SH   SOLE   0 0 1,424
Vaneck Short Muni ETF ETF 92189F528   257,413 15,022 SH   SOLE   0 0 15,022
iShares New York Muni Bond ETF ETF 464288323   228,335 4,336 SH   SOLE   0 0 4,336
Invesco S And P 500 Garp ETF ETF 46137V431   209,048 2,093 SH   SOLE   0 0 2,093
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   169,420 858 SH   SOLE   0 0 858
Innovator US Equity Power Buffer ETF ETF 45782C318   168,152 4,697 SH   SOLE   0 0 4,697
SPDR Nuveen Blombg MNPL BND ETF ETF 78468R721   157,068 3,485 SH   SOLE   0 0 3,485
Broadcom Inc Common Stock 11135F101   139,161 831 SH   SOLE   0 0 831
JPMorgan Ultra Short Income ETF ETF 46641Q837   103,134 2,037 SH   SOLE   0 0 2,037
Prologis Inc. REIT Not SEC Eligible 74340W103   83,590 747 SH   SOLE   0 0 747
Grayscale Bitcoin Mini Trust ETF ETF 389930207   74,038 2,029 SH   SOLE   0 0 2,029
iShares Core US Aggregate Bond ETF ETF 464287226   71,321 720 SH   SOLE   0 0 720
iShares 3-7 Year Treasury Bond ETF ETF 464288661   64,737 548 SH   SOLE   0 0 548
Cloudflare Inc Class A Common Stock 18915M107   63,444 563 SH   SOLE   0 0 563
Meta Platforms Inc Common Stock 30303M102   62,246 108 SH   SOLE   0 0 108
Paypal Holdings Incorpor Common Stock 70450Y103   59,508 912 SH   SOLE   0 0 912
Xometry Inc Class A Common Stock 98423F109   56,543 2,269 SH   SOLE   0 0 2,269
Netflix Inc Common Stock 64110L106   55,951 60 SH   SOLE   0 0 60
Schwab US Dividend Equity ETF ETF 808524797   55,696 1,992 SH   SOLE   0 0 1,992
Taiwan Semiconductr F Sponsored ADR Common Stock 874039100   49,468 298 SH   SOLE   0 0 298
Nuveen Esg Large Cap Growth ETF ETF 67092P201   48,924 625 SH   SOLE   0 0 625
Vaneck Gold Miners ETF ETF 92189F106   48,066 1,045 SH   SOLE   0 0 1,045
Vanguard Esg International Stock ETF ETF 921910725   47,832 811 SH   SOLE   0 0 811
Equity Residential REIT Not SEC Eligible 29476L107   46,921 655 SH   SOLE   0 0 655
Vaneck Intermediate Muni ETF ETF 92189H201   46,739 1,027 SH   SOLE   0 0 1,027
iShares MSCI USA QLTY Fact ETF ETF 46432F339   46,652 272 SH   SOLE   0 0 272
Advanced Micro Devic Common Stock 007903107   46,643 454 SH   SOLE   0 0 454
Avalonbay CMNTYS Inc REIT Not SEC Eligible 053484101   44,975 209 SH   SOLE   0 0 209
ISHARES MBS ETF ETF 464288588   44,920 478 SH   SOLE   0 0 478
Digital Realty Trust REIT Not SEC Eligible 253868103   44,403 309 SH   SOLE   0 0 309
Stag Industrial Inc REIT Not SEC Eligible 85254J102   41,494 1,148 SH   SOLE   0 0 1,148
WR Berkley Corp Common Stock 084423102   41,415 582 SH   SOLE   0 0 582
iShares Global Clean Energy ETF ETF 464288224   39,102 3,424 SH   SOLE   0 0 3,424
Permian Resources Corp Class A Common Stock 71424F105   36,175 2,611 SH   SOLE   0 0 2,611
Booking Holdings Inc Common Stock 09857L108   32,248 7 SH   SOLE   0 0 7
Vanguard Glbal Ex US Real Estate ETF ETF 922042676   31,801 786 SH   SOLE   0 0 786
Berkshire Hathaway Class B Common Stock 084670702   30,889 58 SH   SOLE   0 0 58
Thermo Fisher Scientific Common Stock 883556102   30,851 62 SH   SOLE   0 0 62
Mastercard Inc Class A Common Stock 57636Q104   30,694 56 SH   SOLE   0 0 56
Kimco Realty Corp REIT Not SEC Eligible 49446R109   29,576 1,392 SH   SOLE   0 0 1,392
ProShares Ultra S&P 500 ETF ETF 74347R107   27,731 335 SH   SOLE   0 0 335
Invesco Solar ETF ETF 46138G706   27,627 907 SH   SOLE   0 0 907
Vanguard Esg U.S. Stock ETF ETF 921910733   27,328 279 SH   SOLE   0 0 279
Realty Income Corp Disco REIT Not SEC Eligible 756109104   26,091 449 SH   SOLE   0 0 449
Visa Inc Common Stock 92826C839   25,934 74 SH   SOLE   0 0 74
Public Storage REIT Not SEC Eligible 74460D109   23,656 79 SH   SOLE   0 0 79
iShares MSCI Acwi Ex US ETF ETF 464288240   22,955 413 SH   SOLE   0 0 413
ISHARES CORE MSCI EUROPE ETF ETF 46434V738   22,074 366 SH   SOLE   0 0 366
Lowes Companies Inc Common Stock 548661107   21,690 93 SH   SOLE   0 0 93
Invsc Actvly MNG Optm YD DVRS ETF ETF 46090F100   21,535 1,580 SH   SOLE   0 0 1,580
Invesco Water Resources ETF ETF 46137V142   21,485 333 SH   SOLE   0 0 333
iShares U.S. Healthcare ETF ETF 464287762   21,128 347 SH   SOLE   0 0 347
NXP Semiconductors NV Common Stock N6596X109   19,766 104 SH   SOLE   0 0 104
iShares iBoxx High Yield Bond ETF ETF 464288513   18,460 234 SH   SOLE   0 0 234
SAP AG Common Stock 803054204   18,253 68 SH   SOLE   0 0 68
PIMCO Active Bond ETF ETF 72201R775   17,756 192 SH   SOLE   0 0 192
Essex Property TR REIT Not SEC Eligible 297178105   16,510 53 SH   SOLE   0 0 53
Roblox Corp Class A Common Stock 771049103   16,321 280 SH   SOLE   0 0 280
iShares Esg Aware MSCI USA ETF IV ETF 46435G425   15,482 127 SH   SOLE   0 0 127
Weyerhaeuser Co REIT Not SEC Eligible 962166104   15,241 520 SH   SOLE   0 0 520
Camden Property TR REIT Not SEC Eligible 133131102   13,348 109 SH   SOLE   0 0 109
Asml Holding NV ADR Common Stock N07059210   13,252 20 SH   SOLE   0 0 20
ISHARES TR BARCLAYS 1-3YR CR Bonds 464288646   13,062 249,419 PRN   SOLE   0 0 249
iShares National Muni Bond ETF ETF 464288414   12,969 123 SH   SOLE   0 0 123
LXP Industrial Trust REIT Not SEC Eligible 529043101   11,724 1,355 SH   SOLE   0 0 1,355
Range Nuclear Renaissance IX ETF ETF 301505475   11,439 300 SH   SOLE   0 0 300
Intuitive Surgical Common Stock 46120E602   11,391 23 SH   SOLE   0 0 23
Fidelity MSCI Infor Tech Indx ETF ETF 316092808   11,363 70 SH   SOLE   0 0 70
Gladstone Land Corpo REIT Not SEC Eligible 376549101   11,319 1,076 SH   SOLE   0 0 1,076
Go Daddy Group Inc Class A Common Stock 380237107   10,808 60 SH   SOLE   0 0 60
BlackRock Flexible Income ETF ETF 092528603   10,266 196 SH   SOLE   0 0 196
Uber Technologies Inc Common Stock 90353T100   9,544 131 SH   SOLE   0 0 131
Hims & Hers Health Inc Class A Common Stock 433000106   9,308 315 SH   SOLE   0 0 315
Coinbase Global Inc Class A Common Stock 19260Q107   8,611 50 SH   SOLE   0 0 50
iShares BRD Usd Inv GRD Corp BD ETF ETF 464288620   7,713 151 SH   SOLE   0 0 151
ISHARES 20 PLS YEAR TREASURY BND ETF Bonds 464287432   7,646 84,000 PRN   SOLE   0 0 84
Vanguard Short Term Treasury ETF ETF 92206C102   6,749 115 SH   SOLE   0 0 115
iShares MSCI World ETF ETF 464286392   6,586 42 SH   SOLE   0 0 42
Intuit Inc Common Stock 461202103   6,139 10 SH   SOLE   0 0 10
Vaneck High Yield Muni ETF ETF 92189H409   5,834 114 SH   SOLE   0 0 114
CRH PLC Common Stock G25508105   5,806 66 SH   SOLE   0 0 66
Penn Entmt Inc Common Stock 707569109   5,398 331 SH   SOLE   0 0 331
Schwab US Large Cap Value ETF ETF 808524409   4,624 174 SH   SOLE   0 0 174
iShares Russell Top 200 Growth ETF ETF 464289438   4,218 19 SH   SOLE   0 0 19
iShares Russell Mid Cap ETF ETF 464287499   4,168 49 SH   SOLE   0 0 49
SPDR S&P Dividend ETF ETF 78464A763   3,120 23 SH   SOLE   0 0 23
Alphabet Inc. Class A Common Stock 02079K305   3,096 20 SH   SOLE   0 0 20
Vanguard Total International BND ETF ETF 92203J407   3,076 63 SH   SOLE   0 0 63
iShares TRT Is 5-10 Inv GR CR BD ETF ETF 464288638   2,941 56 SH   SOLE   0 0 56
iShares US Industrials ETF ETF 464287754   1,952 15 SH   SOLE   0 0 15
iShares 10-20 Year Tsury Bond ETF ETF 464288653   1,660 16 SH   SOLE   0 0 16
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525   1,629 13 SH   SOLE   0 0 13
iShares Global Consumer Discretionar ETF 464288745   1,598 8 SH   SOLE   0 0 8
iShares MSCI Eurozone ETF ETF 464286608   1,277 23 SH   SOLE   0 0 23
SPDR Portfolio High Yield BND ETF ETF 78468R606   1,007 43 SH   SOLE   0 0 43
Snap Inc Class A Common Stock 83304A106   871 100 SH   SOLE   0 0 100
Vanguard Information Technology ETF ETF 92204A702   544 1 SH   SOLE   0 0 1
Walt Disney Co Common Stock 254687106   496 5 SH   SOLE   0 0 5
Cipher MNG Inc Common Stock 17253J106   381 166 SH   SOLE   0 0 166
Vanguard Large Cap ETF ETF 922908637   258 1 SH   SOLE   0 0 1
iShares Russell 2000 GRWTH ETF ETF 464287648   256 1 SH   SOLE   0 0 1
iShares Esg Aware MSCI EAFE ETF ETF 46435G516   245 3 SH   SOLE   0 0 3
iShares GNMA Bond ETF ETF 46429B333   219 4 SH   SOLE   0 0 4
PIMCO Enhanced Short Maturity Active Esg ETF ETF 72201R643   197 2 SH   SOLE   0 0 2
iShares Russell 1000 Value ETF ETF 464287598   188 1 SH   SOLE   0 0 1
Vanguard Financials ETF ETF 92204A405   120 1 SH   SOLE   0 0 1
iShares Core S&P Mid Cap ETF ETF 464287507   116 2 SH   SOLE   0 0 2
iShares MSCI USA Esg Select ETF ETF 464288802   114 1 SH   SOLE   0 0 1
iShares MSCI USA Value Factor ETF ETF 46432F388   106 1 SH   SOLE   0 0 1
iShares Core S&P Small-Cap ETF ETF 464287804   105 1 SH   SOLE   0 0 1
PIMCO Enhanced SHRT Maturty Actv ETF ETF 72201R833   103 1 SH   SOLE   0 0 1
iShares MSCI KLD 400 Social Indx ETF ETF 464288570   102 1 SH   SOLE   0 0 1
SPDR Bloomberg 1-3 Month T-Bill ETF ETF 78468R663   95 1 SH   SOLE   0 0 1
Vanguard Real Estate ETF ETF 922908553   92 1 SH   SOLE   0 0 1
Gamestop Corp Class A Common Stock 36467W109   89 4 SH   SOLE   0 0 4
Vanguard Russell 2000 ETF IV ETF 92206C664   81 1 SH   SOLE   0 0 1
iShares Global Tech ETF ETF 464287291   75 1 SH   SOLE   0 0 1
United States Commodity Index Etv IV ETF 911717106   72 1 SH   SOLE   0 0 1
Fidelity MSCI Financials Indx ETF ETF 316092501   70 1 SH   SOLE   0 0 1
iShares Core MSCI Intrl DVLP MKT ETF ETF 46435G326   70 1 SH   SOLE   0 0 1
iShares Core US REIT ETF IV ETF 464288521   58 1 SH   SOLE   0 0 1
iShares Core MSCI Emerging ETF ETF 46434G103   54 1 SH   SOLE   0 0 1
SPDR Euro Stoxx 50 ETF ETF 78463X202   54 1 SH   SOLE   0 0 1
SPDR Portfolio S&P 400 Mid Cap ETF ETF 78464A847   51 1 SH   SOLE   0 0 1
iShares Interntinl Aggrgt BND ETF ETF 46435G672   49 1 SH   SOLE   0 0 1
FRST TR Clfrna MNCPL HGH Incm ETF ETF 33739P863   49 1 SH   SOLE   0 0 1
Dimensional Nationl Munpl BND ETF ETF 25434V849   48 1 SH   SOLE   0 0 1
First Trust Senior Loan ETF ETF 33738D309   47 1 SH   SOLE   0 0 1
Vanguard FTSE Emerging Markets ETF ETF 922042858   45 1 SH   SOLE   0 0 1
iShares JP Morgan Em Corp BD ETF ETF 464286251   45 1 SH   SOLE   0 0 1
Nuveen Esg Mid Cap Growth ETF ETF 67092P409   42 1 SH   SOLE   0 0 1
Nuveen Esg Large Cap Value ETF ETF 67092P300   40 1 SH   SOLE   0 0 1
iShares JP MRGN Em High YLD BD ETF ETF 464286285   38 1 SH   SOLE   0 0 1
iShares Esg Aware MSCI USA ETF ETF 46435U663   38 1 SH   SOLE   0 0 1
ISHARES J.P. MORGAN EM LOCAL CURRENCY BOND ETF Bonds 464286517   37 1,000 PRN   SOLE   0 0 1
Xtrackers Usd High Yield Cor BND ETF ETF 233051432   37 1 SH   SOLE   0 0 1
iShares Esg Aware MSCI Em ETF ETF 46434G863   34 1 SH   SOLE   0 0 1
Abrdn BLMBR Al CM LN D SY K 1 ETF ETF 003261203   34 1 SH   SOLE   0 0 1
Xtrackers Emerg MR CR Red Imp ETF IV ETF 233051192   29 1 SH   SOLE   0 0 1
Franklin FTSE Japan ETF ETF 35473P744   29 1 SH   SOLE   0 0 1
Nuveen Esg Emerging Markt Eqy ETF ETF 67092P888   29 1 SH   SOLE   0 0 1
SPDR Portfolio Corporate Bond ETF ETF 78464A144   29 1 SH   SOLE   0 0 1
Schwab Emerging Markets Equity ETF ETF 808524706   27 1 SH   SOLE   0 0 1
Invsc Calfrna Amt Free MNCPL BND ETF ETF 46138E206   24 1 SH   SOLE   0 0 1
Invesco National Amt-Free Municipal Bond ETF 46138E537   23 1 SH   SOLE   0 0 1
Invesco DB Commodity Index Tracking Fund Common Stock 46138B103   22 1 SH   SOLE   0 0 1
Invesco Senior Loan ETF ETF 46138G508   22 1 SH   SOLE   0 0 1
Abrdn BLMBRG All CM SG K 1 FR ETF ETF 003261104   21 1 SH   SOLE   0 0 1
Franklin International Agg BD ETF ETF 35473P611   20 1 SH   SOLE   0 0 1
SPDR Bloombg Emg MRKT LCL BND ETF ETF 78464A391   20 1 SH   SOLE   0 0 1
Vaneck Emerging MRK HGH YLD BND ETF ETF 92189F353   19 1 SH   SOLE   0 0 1