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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
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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 U S ETF TR BLACKROCK SHORT 46431W838   3,742,611 74,673 SH   SOLE   74,673 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   10,589,108 23,849 SH   SOLE   23,849 0 0
VANGUARD INDEX FUNDS TOTAL STK MKT 922908769   292,259 1,125 SH   SOLE   1,125 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   819,194 17,268 SH   SOLE   17,268 0 0
ISHARES TR U.S. ENERGY ETF 464287796   1,247,498 25,253 SH   SOLE   25,253 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   5,296,127 189,554 SH   SOLE   189,554 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   2,651,409 25,317 SH   SOLE   25,317 0 0
ISHARES TR S&P 100 ETF 464287101   5,440,793 21,991 SH   SOLE   21,991 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   502,129 6,140 SH   SOLE   6,140 0 0
ISHARES TR CALIF MUN BD ETF 464288356   323,473 5,622 SH   SOLE   5,622 0 0
ISHARES TR U.S. REAL ES ETF 464287739   2,275,998 25,317 SH   SOLE   25,317 0 0
FS KKR CAP CORP COM 302635206   666,554 34,953 SH   SOLE   34,953 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   410,573 5,311 SH   SOLE   5,311 0 0
ISHARES U S ETF TR U.S. TECH INDEPD 46431W648   634,580 8,963 SH   SOLE   8,963 0 0
ISHARES TR EUROPE ETF 464287861   4,577,633 82,228 SH   SOLE   82,228 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,108,566 41,556 SH   SOLE   41,556 0 0
ISHARES INC MSCI EMRG CHN 46434G764   9,896,571 171,905 SH   SOLE   171,905 0 0
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   2,560,370 57,666 SH   SOLE   57,666 0 0
ISHARES TR EAFE GRWTH ETF 464288885   7,276,328 70,106 SH   SOLE   70,106 0 0
ISHARES TR RUS TOP 200 ETF 464289446   13,421,144 105,579 SH   SOLE   105,579 0 0
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   1,072,978 30,815 SH   SOLE   30,815 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718   550,884 5,470 SH   SOLE   5,470 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   226,383 7,491 SH   SOLE   7,491 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   1,154,040 18,512 SH   SOLE   18,512 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,255,681 70,600 SH   SOLE   70,600 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   366,263 6,729 SH   SOLE   6,729 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   32,494,179 570,273 SH   SOLE   570,273 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   3,550,846 42,484 SH   SOLE   42,484 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,050,473 41,292 SH   SOLE   41,292 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   12,219,753 332,510 SH   SOLE   332,510 0 0
ISHARES TR CORE S&P TTL STK 464287150   28,809,214 249,863 SH   SOLE   249,863 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   491,714 12,022 SH   SOLE   12,022 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   623,478 9,188 SH   SOLE   9,188 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   1,290,607 50,553 SH   SOLE   50,553 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   4,776,804 29,065 SH   SOLE   29,065 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,886,250 19,935 SH   SOLE   19,935 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   1,349,438 26,690 SH   SOLE   26,690 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   3,488,576 47,691 SH   SOLE   47,691 0 0
ISHARES TR GLOBAL ENERG ETF 464287341   2,307,403 53,723 SH   SOLE   53,723 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   4,659,791 72,357 SH   SOLE   72,357 0 0
ISHARES TR RUS 1000 ETF 464287622   1,043,245 3,622 SH   SOLE   3,622 0 0