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
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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
ABBVIE INC COM 00287Y109   318,039 1,854 SH   SOLE   1,854 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   225,434 743 SH   SOLE   743 0 0
ADVANCED MICRO DEVICES INC COM 007903107   724,430 4,466 SH   SOLE   4,466 0 0
ALPHABET INC CAP STK CL A 02079K305   3,051,377 16,752 SH   SOLE   16,752 0 0
ALPHABET INC CAP STK CL C 02079K107   969,375 5,285 SH   SOLE   5,285 0 0
AMAZON COM INC COM 023135106   3,430,381 17,751 SH   SOLE   17,751 0 0
APPLE INC COM 037833100   3,251,552 15,438 SH   SOLE   15,438 0 0
APPLIED MATLS INC COM 038222105   206,019 873 SH   SOLE   873 0 0
BANCO SANTANDER S.A. ADR 05964H105   57,444 12,407 SH   SOLE   12,407 0 0
BANK AMERICA CORP COM 060505104   1,051,718 26,445 SH   SOLE   26,445 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,440,479 3,541 SH   SOLE   3,541 0 0
BROADCOM INC COM 11135F101   700,011 436 SH   SOLE   436 0 0
CHEVRON CORP NEW COM 166764100   821,077 5,249 SH   SOLE   5,249 0 0
COCA COLA CO COM 191216100   203,044 3,190 SH   SOLE   3,190 0 0
COINBASE GLOBAL INC COM CL A 19260Q107   2,709,428 12,192 SH   SOLE   12,192 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,702,530 2,003 SH   SOLE   2,003 0 0
DEERE & CO COM 244199105   879,525 2,354 SH   SOLE   2,354 0 0
ELI LILLY & CO COM 532457108   831,139 918 SH   SOLE   918 0 0
EXXON MOBIL CORP COM 30231G102   1,132,258 9,835 SH   SOLE   9,835 0 0
HOME DEPOT INC COM 437076102   331,503 963 SH   SOLE   963 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   2,658,526 189,219 SH   SOLE   182,387 0 6,832
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   595,843 51,588 SH   SOLE   51,588 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,278,072 60,745 SH   SOLE   58,932 0 1,813
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   6,926,406 113,380 SH   SOLE   109,433 0 3,948
ISHARES INC CORE MSCI EMKT 46434G103   1,252,152 23,392 SH   SOLE   23,391 0 1
ISHARES INC MSCI EMRG CHN 46434G764   480,763 8,121 SH   SOLE   8,121 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,922,410 30,106 SH   SOLE   29,682 0 424
ISHARES TR CORE S&P MCP ETF 464287507   249,588 4,265 SH   SOLE   4,265 0 0
ISHARES TR JPMORGAN USD EMG 464288281   997,866 11,278 SH   SOLE   10,927 0 351
ISHARES TR SHRT NAT MUN ETF 464288158   515,914 4,935 SH   SOLE   4,935 0 0
ISHARES TR CORE MSCI EAFE 46432F842   3,084,948 42,469 SH   SOLE   42,403 0 66
ISHARES TR CORE INTL AGGR 46435G672   2,211,556 44,302 SH   SOLE   44,302 0 0
ISHARES TR PFD AND INCM SEC 464288687   2,606,073 82,601 SH   SOLE   80,050 0 2,551
ISHARES TR CORE S&P TTL STK 464287150   20,738,577 174,597 SH   SOLE   162,369 0 12,228
ISHARES TR RUS 2000 VAL ETF 464287630   933,789 6,131 SH   SOLE   5,722 0 410
ISHARES TR CONV BD ETF 46435G102   510,623 6,494 SH   SOLE   6,494 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,140,403 18,501 SH   SOLE   18,501 0 0
ISHARES TR CRE U S REIT ETF 464288521   373,426 6,972 SH   SOLE   6,894 0 78
ISHARES TR TIPS BD ETF 464287176   276,513 2,590 SH   SOLE   2,590 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,291,251 21,504 SH   SOLE   21,504 0 0
ISHARES TR CORE S&P500 ETF 464287200   9,563,501 17,476 SH   SOLE   17,476 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   991,531 19,701 SH   SOLE   18,653 0 1,048
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   203,285 4,006 SH   SOLE   4,006 0 0
JOHNSON & JOHNSON COM 478160104   1,090,061 7,458 SH   SOLE   7,458 0 0
JPMORGAN CHASE & CO. COM 46625H100   1,351,906 6,684 SH   SOLE   6,684 0 0
LOCKHEED MARTIN CORP COM 539830109   966,897 2,070 SH   SOLE   2,070 0 0
LUMINAR TECHNOLOGIES INC COM CL A 550424105   32,832 22,035 SH   SOLE   22,035 0 0
MASTERCARD INCORPORATED CL A 57636Q104   337,487 765 SH   SOLE   765 0 0
MCDONALDS CORP COM 580135101   905,447 3,553 SH   SOLE   3,553 0 0
MERCK & CO INC COM 58933Y105   300,586 2,428 SH   SOLE   2,428 0 0
META PLATFORMS INC CL A 30303M102   3,042,968 6,035 SH   SOLE   6,035 0 0
MICROSOFT CORP COM 594918104   5,883,229 13,163 SH   SOLE   13,163 0 0
NETFLIX INC COM 64110L106   266,578 395 SH   SOLE   395 0 0
NOVO-NORDISK A S ADR 670100205   209,542 1,468 SH   SOLE   1,468 0 0
NVIDIA CORPORATION COM 67066G104   5,745,351 46,506 SH   SOLE   46,506 0 0
ORACLE CORP COM 68389X105   1,488,672 10,543 SH   SOLE   10,543 0 0
PROCTER AND GAMBLE CO COM 742718109   1,268,730 7,693 SH   SOLE   7,693 0 0
SALESFORCE INC COM 79466L302   202,081 786 SH   SOLE   786 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   824,633 18,092 SH   SOLE   18,092 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   696,857 11,084 SH   SOLE   9,846 0 1,238
SCHWAB STRATEGIC TR US REIT ETF 808524847   842,075 42,167 SH   SOLE   42,167 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,654,896 31,819 SH   SOLE   30,762 0 1,057
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   803,448 33,477 SH   SOLE   33,477 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,028,675 29,324 SH   SOLE   29,324 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   2,208,761 30,652 SH   SOLE   29,865 0 787
SPDR SER TR BLOOMBERG HIGH Y 78468R622   921,330 9,773 SH   SOLE   9,414 0 359
SPDR SER TR BLOOMBERG INVT 78468R200   1,609,835 52,183 SH   SOLE   51,079 0 1,104
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   326,625 7,814 SH   SOLE   7,800 0 14
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   351,618 2,023 SH   SOLE   2,023 0 0
TESLA INC COM 88160R101   1,030,361 5,207 SH   SOLE   5,207 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,305,329 2,563 SH   SOLE   2,563 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,269,847 29,594 SH   SOLE   28,032 0 1,562
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   17,292,871 240,012 SH   SOLE   225,398 0 14,614
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   8,606,001 176,824 SH   SOLE   171,283 0 5,540
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,224,928 4,579 SH   SOLE   4,579 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,523,240 54,002 SH   SOLE   51,711 0 2,291
VANGUARD INDEX FDS SMALL CP ETF 922908751   242,460 1,112 SH   SOLE   1,112 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   612,271 2,529 SH   SOLE   2,529 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   442,077 1,771 SH   SOLE   1,771 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,587,041 150,527 SH   SOLE   145,643 0 4,883
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,087,730 26,281 SH   SOLE   25,152 0 1,129
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,933,019 47,647 SH   SOLE   46,050 0 1,597
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,891,653 37,750 SH   SOLE   37,750 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,258,658 328,989 SH   SOLE   319,328 0 9,662
VISA INC COM CL A 92826C839   972,189 3,704 SH   SOLE   3,704 0 0
WALMART INC COM 931142103   297,924 4,400 SH   SOLE   4,400 0 0