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
ARCH CAP GROUP LTD ORD G0450A105   344,359 3,819 SH   SOLE   95 0 3,724
EATON CORP PLC SHS G29183103   373,888 1,095 SH   SOLE   29 0 1,066
FRESH DEL MONTE PRODUCE INC ORD G36738105   283,744 9,297 SH   SOLE   261 0 9,036
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   312,509 2,574 SH   SOLE   79 0 2,495
MEDTRONIC PLC SHS G5960L103   281,019 3,484 SH   SOLE   55 0 3,429
AES CORP COM 00130H105   267,589 22,262 SH   SOLE   667 0 21,595
ABBOTT LABS COM 002824100   320,983 2,858 SH   SOLE   371 0 2,487
ABBVIE INC COM 00287Y109   292,266 1,668 SH   SOLE   84 0 1,584
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   2,219,189 86,417 SH   SOLE   9,757 0 76,660
ADVANCED MICRO DEVICES INC COM 007903107   210,613 1,815 SH   SOLE   24 0 1,791
AIR PRODS & CHEMS INC COM 009158106   287,511 981 SH   SOLE   54 0 927
ALLIANT ENERGY CORP COM 018802108   256,273 4,523 SH   SOLE   74 0 4,449
ALLSTATE CORP COM 020002101   409,037 2,260 SH   SOLE   25 0 2,235
ALPHABET INC CAP STK CL C 02079K107   2,886,275 14,942 SH   SOLE   3,489 0 11,452
ALPHABET INC CAP STK CL A 02079K305   1,102,502 5,741 SH   SOLE   162 0 5,579
ALTRIA GROUP INC COM 02209S103   335,437 6,594 SH   SOLE   198 0 6,396
AMAZON COM INC COM 023135106   2,024,976 9,249 SH   SOLE   184 0 9,065
AMEREN CORP COM 023608102   209,711 2,382 SH   SOLE   58 0 2,324
AMERICAN ELEC PWR CO INC COM 025537101   325,602 3,482 SH   SOLE   96 0 3,386
AMGEN INC COM 031162100   289,235 1,103 SH   SOLE   50 0 1,052
APPLE INC COM 037833100   41,446,845 174,992 SH   SOLE   7,385 0 167,606
ARISTA NETWORKS INC COM SHS 040413205   1,124,534 9,835 SH   SOLE   12 0 9,823
AUTOMATIC DATA PROCESSING IN COM 053015103   289,432 1,009 SH   SOLE   80 0 929
AUTOZONE INC COM 053332102   390,158 120 SH   SOLE   3 0 117
BANCO SANTANDER S.A. ADR 05964H105   87,235 18,882 SH   SOLE   2,444 0 16,438
BANK AMERICA CORP COM 060505104   824,205 18,271 SH   SOLE   255 0 18,016
BANK MARIN BANCORP COM 063425102   395,088 17,709 SH   SOLE   0 0 17,709
BANK NEW YORK MELLON CORP COM 064058100   481,783 6,388 SH   SOLE   124 0 6,264
BANK NOVA SCOTIA HALIFAX COM 064149107   246,391 4,802 SH   SOLE   92 0 4,710
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,609,481 5,895 SH   SOLE   2,317 0 3,578
BLACKROCK RES & COMMODITIES SHS 09257A108   337,549 37,715 SH   SOLE   221 0 37,494
BLACKSTONE INC COM 09260D107   464,053 2,815 SH   SOLE   54 0 2,761
BLACKROCK INC COM 09290D101   216,094 226 SH   SOLE   24 0 202
BRISTOL-MYERS SQUIBB CO COM 110122108   266,397 4,772 SH   SOLE   91 0 4,680
BROADCOM INC COM 11135F101   740,223 3,300 SH   SOLE   60 0 3,240
THE CIGNA GROUP COM 125523100   347,901 1,247 SH   SOLE   62 0 1,185
CME GROUP INC COM 12572Q105   219,115 956 SH   SOLE   33 0 923
CATERPILLAR INC COM 149123101   641,979 1,829 SH   SOLE   30 0 1,799
CHARLES RIV LABS INTL INC COM 159864107   309,890 1,665 SH   SOLE   44 0 1,621
CHEVRON CORP NEW COM 166764100   732,532 4,783 SH   SOLE   114 0 4,669
CISCO SYS INC COM 17275R102   685,853 11,676 SH   SOLE   336 0 11,339
COCA COLA CO COM 191216100   410,757 6,726 SH   SOLE   154 0 6,572
COINBASE GLOBAL INC COM CL A 19260Q107   2,948,798 11,395 SH   SOLE   12 0 11,383
ENOVIS CORPORATION COM 194014502   268,217 5,991 SH   SOLE   199 0 5,792
CONSOLIDATED EDISON INC COM 209115104   271,943 3,085 SH   SOLE   73 0 3,012
COSTCO WHSL CORP NEW COM 22160K105   294,161 314 SH   SOLE   56 0 257
CROWN CASTLE INC COM 22822V101   273,735 3,246 SH   SOLE   101 0 3,145
DARDEN RESTAURANTS INC COM 237194105   312,695 1,737 SH   SOLE   55 0 1,682
DELL TECHNOLOGIES INC CL C 24703L202   298,402 2,600 SH   SOLE   35 0 2,565
DIAGEO PLC SPON ADR NEW 25243Q205   240,362 2,033 SH   SOLE   66 0 1,967
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,172,431 29,194 SH   SOLE   78 0 29,115
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   17,609,786 608,073 SH   SOLE   23,310 0 584,762
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   14,635,711 589,437 SH   SOLE   23,507 0 565,929
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   9,665,511 176,927 SH   SOLE   5,849 0 171,077
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   1,172,305 18,954 SH   SOLE   3,308 0 15,646
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   664,638 10,447 SH   SOLE   6,215 0 4,232
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633   358,917 7,205 SH   SOLE   1,869 0 5,336
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   5,685,087 190,519 SH   SOLE   9,758 0 180,761
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   255,476 5,075 SH   SOLE   0 0 5,075
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   327,568 10,143 SH   SOLE   446 0 9,697
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   550,211 16,940 SH   SOLE   894 0 16,046
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   20,587,058 599,856 SH   SOLE   35,349 0 564,507
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   1,606,313 42,835 SH   SOLE   2,945 0 39,890
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   748,641 29,301 SH   SOLE   708 0 28,593
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   311,058 12,184 SH   SOLE   0 0 12,184
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   5,176,434 205,618 SH   SOLE   9,459 0 196,159
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   706,410 27,605 SH   SOLE   8,069 0 19,535
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   15,724,157 445,065 SH   SOLE   15,624 0 429,441
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   6,803,052 202,834 SH   SOLE   9,144 0 193,690
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   352,254 8,621 SH   SOLE   0 0 8,621
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,045,993 42,624 SH   SOLE   0 0 42,624
DISNEY WALT CO COM 254687106   301,700 2,777 SH   SOLE   156 0 2,620
DUKE ENERGY CORP NEW COM NEW 26441C204   290,931 2,748 SH   SOLE   155 0 2,593
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   467,032 24,049 SH   SOLE   541 0 23,508
EQUITABLE HLDGS INC COM 29452E101   439,547 9,142 SH   SOLE   201 0 8,941
EURONET WORLDWIDE INC COM 298736109   280,062 2,881 SH   SOLE   87 0 2,794
EXXON MOBIL CORP COM 30231G102   724,503 6,800 SH   SOLE   3,027 0 3,773
META PLATFORMS INC CL A 30303M102   1,245,885 2,023 SH   SOLE   180 0 1,843
FASTENAL CO COM 311900104   257,008 3,588 SH   SOLE   87 0 3,501
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,345,153 36,563 SH   SOLE   1,157 0 35,406
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710   1,455,297 79,351 SH   SOLE   483 0 78,868
GENERAC HLDGS INC COM 368736104   286,541 1,820 SH   SOLE   51 0 1,769
GENERAL DYNAMICS CORP COM 369550108   318,000 1,226 SH   SOLE   45 0 1,181
GENERAL MLS INC COM 370334104   287,118 4,908 SH   SOLE   150 0 4,758
GENUINE PARTS CO COM 372460105   277,489 2,394 SH   SOLE   65 0 2,329
GLOBAL PMTS INC COM 37940X102   282,140 2,669 SH   SOLE   72 0 2,597
GOLDMAN SACHS GROUP INC COM 38141G104   604,439 1,079 SH   SOLE   3 0 1,076
GRANITE CONSTR INC COM 387328107   544,814 6,245 SH   SOLE   6,242 0 3
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   938,575 12,501 SH   SOLE   79 0 12,422
GRAYSCALE ETHEREUM TRUST ETF SHS 389638107   219,105 8,017 SH   SOLE   0 0 8,017
HP INC COM 40434L105   274,404 8,265 SH   SOLE   243 0 8,022
HOME DEPOT INC COM 437076102   656,185 1,683 SH   SOLE   17 0 1,666
HONEYWELL INTL INC COM 438516106   272,956 1,251 SH   SOLE   126 0 1,125
ILLINOIS TOOL WKS INC COM 452308109   342,860 1,400 SH   SOLE   125 0 1,275
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318   368,021 10,262 SH   SOLE   0 0 10,262
INNOVATOR ETFS TRUST INTRNL DEV APRL 45782C367   786,128 29,443 SH   SOLE   0 0 29,443
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C375   995,288 27,930 SH   SOLE   0 0 27,930
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383   532,265 13,290 SH   SOLE   0 0 13,290
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425   792,947 23,800 SH   SOLE   0 0 23,800
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508   354,481 8,432 SH   SOLE   0 0 8,432
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   406,906 10,799 SH   SOLE   0 0 10,799
INNOVATOR ETFS TRUST INTERNATIONAL DV 45782C631   212,911 7,279 SH   SOLE   0 0 7,279
INNOVATOR ETFS TRUST US EQTY ULTRA B 45782C649   850,380 24,257 SH   SOLE   1,122 0 23,135
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672   2,072,232 58,579 SH   SOLE   2,954 0 55,625
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680   1,448,107 37,780 SH   SOLE   1,500 0 36,280
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C730   319,470 9,478 SH   SOLE   0 0 9,478
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   744,671 24,238 SH   SOLE   0 0 24,238
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   792,665 19,338 SH   SOLE   0 0 19,338
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C839   1,036,606 30,156 SH   SOLE   0 0 30,156
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   303,092 8,288 SH   SOLE   0 0 8,288
INNOVATOR ETFS TRUST INTL DEVELOPED 45783Y145   289,678 11,990 SH   SOLE   4,047 0 7,943
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y285   1,385,633 56,430 SH   SOLE   0 0 56,430
INNOVATOR ETFS TRUST INNOVATOR INTL D 45783Y343   315,188 12,600 SH   SOLE   0 0 12,600
INNOVATOR ETFS TRUST INTL DEV PWR BUF 45783Y459   221,650 7,769 SH   SOLE   2,708 0 5,061
INTERNATIONAL BUSINESS MACHS COM 459200101   474,880 2,161 SH   SOLE   30 0 2,131
INVESCO QQQ TR UNIT SER 1 46090E103   6,056,289 11,941 SH   SOLE   894 0 11,046
INVESCO QQQ TR UNIT SER 1 46090E103   3,043,140 6,000 SH Put SOLE   0 0 6,000
INVESCO CURRENCYSHARES AUSTR AUSTRALIAN DOL 46090N103   226,714 3,725 SH   SOLE   0 0 3,725
INTUITIVE SURGICAL INC COM NEW 46120E602   493,818 902 SH   SOLE   2 0 900
INTUIT COM 461202103   572,309 918 SH   SOLE   34 0 884
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   935,551 42,218 SH   SOLE   1,142 0 41,076
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   244,267 3,575 SH   SOLE   0 0 3,575
INVESCO EXCH TRADED FD TR II RUSEL 1000 EQL 46138E420   200,773 4,188 SH   SOLE   0 0 4,188
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   517,346 2,477 SH   SOLE   0 0 2,477
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103   355,376 3,759 SH   SOLE   0 0 3,759
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104   228,521 3,373 SH   SOLE   0 0 3,373
ISHARES SILVER TR ISHARES 46428Q109   577,822 20,928 SH   SOLE   0 0 20,928
ISHARES GOLD TR ISHARES NEW 464285204   4,665,463 91,876 SH   SOLE   4,819 0 87,057
ISHARES INC MSCI STH KOR ETF 464286772   861,083 16,089 SH   SOLE   19 0 16,070
ISHARES INC MSCI GERMANY ETF 464286806   2,269,614 70,859 SH   SOLE   54 0 70,805
ISHARES TR TIPS BD ETF 464287176   1,105,113 10,404 SH   SOLE   12 0 10,392
ISHARES TR CORE S&P500 ETF 464287200   747,829 1,282 SH   SOLE   323 0 959
ISHARES TR CORE US AGGBD ET 464287226   601,448 6,269 SH   SOLE   666 0 5,603
ISHARES TR IBOXX INV CP ETF 464287242   5,950,357 56,455 SH   SOLE   3,104 0 53,351
ISHARES TR CORE S&P MCP ETF 464287507   222,247 3,591 SH   SOLE   2,615 0 976
ISHARES TR RUS 1000 VAL ETF 464287598   3,780,073 20,592 SH   SOLE   221 0 20,371
ISHARES TR S&P MC 400GR ETF 464287606   377,191 4,155 SH   SOLE   0 0 4,155
ISHARES TR RUS 1000 GRW ETF 464287614   2,761,568 6,936 SH   SOLE   204 0 6,732
ISHARES TR RUS 1000 ETF 464287622   2,671,743 8,362 SH   SOLE   0 0 8,362
ISHARES TR RUS 2000 VAL ETF 464287630   605,731 3,787 SH   SOLE   0 0 3,787
ISHARES TR RUS 2000 GRW ETF 464287648   370,292 1,300 SH   SOLE   0 0 1,300
ISHARES TR S&P MC 400VL ETF 464287705   423,193 3,430 SH   SOLE   98 0 3,332
ISHARES TR CORE S&P SCP ETF 464287804   997,253 8,819 SH   SOLE   314 0 8,505
ISHARES TR AGENCY BOND ETF 464288166   313,232 2,910 SH   SOLE   0 0 2,910
ISHARES TR MSCI AC ASIA ETF 464288182   7,245,510 103,183 SH   SOLE   3,969 0 99,214
ISHARES TR NATIONAL MUN ETF 464288414   5,087,470 48,154 SH   SOLE   4,112 0 44,042
ISHARES TR SHORT TREAS BD 464288679   482,587 4,378 SH   SOLE   31 0 4,347
ISHARES TR AGGRES ALLOC ETF 464289859   219,920 2,904 SH   SOLE   0 0 2,904
ISHARES TR GRWT ALLOCAT ETF 464289867   441,917 7,798 SH   SOLE   0 0 7,798
ISHARES TR MODERT ALLOC ETF 464289875   208,946 4,866 SH   SOLE   0 0 4,866
ISHARES TR MSCI INDIA ETF 46429B598   1,260,995 24,624 SH   SOLE   0 0 24,624
ISHARES TR FLTG RATE NT ETF 46429B655   297,548 5,840 SH   SOLE   0 0 5,840
ISHARES TR MSCI CHINA ETF 46429B671   281,886 6,449 SH   SOLE   0 0 6,449
ISHARES TR MSCI EAFE MIN VL 46429B689   540,609 7,744 SH   SOLE   0 0 7,744
ISHARES TR MSCI USA MIN VOL 46429B697   2,189,370 24,970 SH   SOLE   0 0 24,970
ISHARES TR CORE MSCI TOTAL 46432F834   350,115 5,360 SH   SOLE   0 0 5,360
ISHARES INC MSCI TAIWAN ETF 46434G772   363,401 7,106 SH   SOLE   0 0 7,106
ISHARES INC MSCI SINGPOR ETF 46434G780   305,211 14,078 SH   SOLE   0 0 14,078
ISHARES INC MSCI JPN ETF NEW 46434G822   1,162,968 17,826 SH   SOLE   88 0 17,738
ISHARES TR GLOBAL REIT ETF 46434V647   2,975,603 128,038 SH   SOLE   5,589 0 122,448
ISHARES TR CORE MSCI EURO 46434V738   1,308,180 24,248 SH   SOLE   318 0 23,930
ISHARES TR MSCI UK ETF NEW 46435G334   223,445 6,672 SH   SOLE   0 0 6,672
ISHARES TR BB RAT CORP BD 46435U473   547,023 11,919 SH   SOLE   0 0 11,919
ISHARES TR FUTURE AI & TECH 46435U556   377,083 9,973 SH   SOLE   0 0 9,973
ISHARES TR 0-3 MNTH TREASRY 46436E718   20,984,306 208,903 SH   SOLE   46,939 0 161,963
JPMORGAN CHASE & CO. COM 46625H100   731,843 3,051 SH   SOLE   113 0 2,938
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   220,480 3,864 SH   SOLE   0 0 3,864
JOHNSON & JOHNSON COM 478160104   620,790 4,370 SH   SOLE   156 0 4,213
KAISER ALUMINUM CORP COM PAR $0.01 483007704   280,770 3,999 SH   SOLE   111 0 3,888
KIMBERLY-CLARK CORP COM 494368103   277,546 2,230 SH   SOLE   5 0 2,225
KINDER MORGAN INC DEL COM 49456B101   453,026 16,088 SH   SOLE   777 0 15,310
KINROSS GOLD CORP COM 496902404   309,275 29,624 SH   SOLE   809 0 28,815
KRAFT HEINZ CO COM 500754106   306,254 10,742 SH   SOLE   295 0 10,447
LAM RESEARCH CORP COM NEW 512807306   311,514 4,173 SH   SOLE   140 0 4,033
LAMAR ADVERTISING CO NEW CL A 512816109   373,360 3,147 SH   SOLE   65 0 3,082
ELI LILLY & CO COM 532457108   629,764 787 SH   SOLE   62 0 725
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   33,016 12,797 SH   SOLE   0 0 12,797
MARKEL GROUP INC COM 570535104   381,832 230 SH   SOLE   6 0 224
MCDONALDS CORP COM 580135101   508,440 1,801 SH   SOLE   67 0 1,734
MERCADOLIBRE INC COM 58733R102   434,416 247 SH   SOLE   9 0 238
MERCK & CO INC COM 58933Y105   681,966 6,871 SH   SOLE   207 0 6,664
MICROSOFT CORP COM 594918104   3,900,133 9,309 SH   SOLE   899 0 8,410
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   71,093 14,719 SH   SOLE   0 0 14,719
MONDELEZ INTL INC CL A 609207105   208,688 3,710 SH   SOLE   85 0 3,625
NETFLIX INC COM 64110L106   870,360 1,039 SH   SOLE   55 0 984
NEWMONT CORP COM 651639106   338,371 8,654 SH   SOLE   225 0 8,429
NIKE INC CL B 654106103   292,205 4,104 SH   SOLE   125 0 3,979
GEN DIGITAL INC COM 668771108   402,290 14,955 SH   SOLE   331 0 14,624
NOVARTIS AG SPONSORED ADR 66987V109   394,239 3,979 SH   SOLE   131 0 3,848
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101   189,734 13,910 SH   SOLE   0 0 13,910
NVIDIA CORPORATION COM 67066G104   9,290,971 68,361 SH   SOLE   4,279 0 64,082
OAKTREE SPECIALTY LENDING CO COM 67401P405   269,502 18,015 SH   SOLE   1,747 0 16,267
PACER FDS TR SWAN SOS FD OF 69374H568   274,405 9,420 SH   SOLE   337 0 9,083
PACKAGING CORP AMER COM 695156109   433,979 1,903 SH   SOLE   43 0 1,860
PALANTIR TECHNOLOGIES INC CL A 69608A108   217,519 3,234 SH   SOLE   1,504 0 1,730
PAYCHEX INC COM 704326107   417,180 3,000 SH   SOLE   185 0 2,815
PEPSICO INC COM 713448108   264,141 1,852 SH   SOLE   137 0 1,714
PINNACLE WEST CAP CORP COM 723484101   320,826 3,924 SH   SOLE   102 0 3,822
PLAINS GP HLDGS L P LTD PARTNR INT A 72651A207   217,129 10,851 SH   SOLE   353 0 10,498
PRICE T ROWE GROUP INC COM 74144T108   268,878 2,477 SH   SOLE   73 0 2,404
PROCTER AND GAMBLE CO COM 742718109   585,672 3,694 SH   SOLE   138 0 3,555
PUBLIC STORAGE OPER CO COM 74460D109   336,384 1,164 SH   SOLE   28 0 1,136
QUALCOMM INC COM 747525103   213,807 1,362 SH   SOLE   9 0 1,353
RESMED INC COM 761152107   272,400 1,165 SH   SOLE   39 0 1,126
RIO TINTO PLC SPONSORED ADR 767204100   307,439 5,225 SH   SOLE   136 0 5,089
ROYAL BK CDA COM 780087102   238,616 2,015 SH   SOLE   39 0 1,976
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,631,748 4,534 SH   SOLE   586 0 3,947
SPDR S&P 500 ETF TR TR UNIT 78462F103   580,490 1,000 SH Put SOLE   0 0 1,000
SPDR GOLD TR GOLD SHS 78463V107   3,134,644 12,629 SH   SOLE   2 0 12,627
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   2,915,689 57,520 SH   SOLE   2,883 0 54,637
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   1,008,706 24,359 SH   SOLE   1,134 0 23,225
SPDR SER TR PORTFOLIO S&P500 78464A854   478,951 7,012 SH   SOLE   7 0 7,005
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   335,464 800 SH   SOLE   0 0 800
SPDR SER TR PORTFOLIO SH TSR 78468R101   1,755,645 60,665 SH   SOLE   5,017 0 55,648
SPDR SER TR BLOOMBERG INVT 78468R200   7,118,866 231,132 SH   SOLE   12,157 0 218,975
SPDR SER TR S&P OILGAS EXP 78468R556   280,431 2,013 SH   SOLE   91 0 1,922
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   5,069,957 55,385 SH   SOLE   4,776 0 50,609
SALESFORCE INC COM 79466L302   1,626,121 5,116 SH   SOLE   23 0 5,093
SANOFI SPONSORED ADR 80105N105   349,589 7,174 SH   SOLE   252 0 6,922
SCHWAB CHARLES CORP COM 808513105   3,747,860 51,503 SH   SOLE   203 0 51,299
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   229,086 9,952 SH   SOLE   0 0 9,951
SCHWAB STRATEGIC TR MUN BD ETF 808524649   1,022,466 40,081 SH   SOLE   0 0 40,081
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   398,736 14,200 SH   SOLE   0 0 14,200
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   225,496 8,349 SH   SOLE   1,350 0 6,998
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   209,790 11,402 SH   SOLE   1,308 0 10,093
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   35,887,141 1,489,093 SH   SOLE   84,332 0 1,404,761
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   226,078 1,619 SH   SOLE   243 0 1,376
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   241,474 5,103 SH   SOLE   1,888 0 3,215
SERVICE PPTYS TR COM SH BEN INT 81761L102   48,576 18,901 SH   SOLE   18,901 0 0
SKECHERS U S A INC CL A 830566105   297,812 4,249 SH   SOLE   124 0 4,125
STANLEY BLACK & DECKER INC COM 854502101   298,576 3,728 SH   SOLE   104 0 3,624
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   299,844 1,439 SH   SOLE   45 0 1,394
TARGET CORP COM 87612E106   336,064 2,373 SH   SOLE   105 0 2,268
TESLA INC COM 88160R101   1,067,772 2,705 SH   SOLE   3 0 2,702
TEXAS INSTRS INC COM 882508104   264,499 1,391 SH   SOLE   33 0 1,358
TRAVELERS COMPANIES INC COM 89417E109   320,753 1,380 SH   SOLE   21 0 1,359
US BANCORP DEL COM NEW 902973304   442,387 9,337 SH   SOLE   543 0 8,794
UNILEVER PLC SPON ADR NEW 904767704   266,443 4,833 SH   SOLE   80 0 4,753
UNION PAC CORP COM 907818108   451,096 2,003 SH   SOLE   67 0 1,936
UNITEDHEALTH GROUP INC COM 91324P102   573,800 1,102 SH   SOLE   54 0 1,048
VALE S A SPONSORED ADS 91912E105   226,432 26,639 SH   SOLE   844 0 25,795
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   18,516,046 203,183 SH   SOLE   9,248 0 193,934
VANECK ETF TRUST VANECK VIETNAM 92189F817   300,866 27,032 SH   SOLE   0 0 27,032
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,699,798 29,557 SH   SOLE   493 0 29,064
VANGUARD STAR FDS VG TL INTL STK F 921909768   757,957 13,017 SH   SOLE   0 0 13,016
VANGUARD WORLD FD ESG INTL STK ETF 921910725   249,469 4,478 SH   SOLE   0 0 4,478
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   235,067 1,293 SH   SOLE   1,293 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,103,931 136,687 SH   SOLE   10,458 0 126,229
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   320,853 4,168 SH   SOLE   1,419 0 2,749
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   733,530 15,433 SH   SOLE   6,981 0 8,452
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   222,570 600 SH   SOLE   0 0 600
VANGUARD WORLD FD INF TECH ETF 92204A702   223,906 365 SH   SOLE   127 0 238
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   593,160 5,106 SH   SOLE   120 0 4,986
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,252,699 57,377 SH   SOLE   0 0 57,376
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,039,263 24,276 SH   SOLE   4,669 0 19,607
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   832,152 11,910 SH   SOLE   1,240 0 10,670
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   783,624 12,360 SH   SOLE   2,700 0 9,660
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,150,181 20,000 SH   SOLE   0 0 19,999
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   668,964 1,253 SH   SOLE   989 0 264
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   470,009 2,953 SH   SOLE   2 0 2,951
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,230,039 16,546 SH   SOLE   1,237 0 15,309
VANGUARD INDEX FDS MID CAP ETF 922908629   340,878 1,297 SH   SOLE   0 0 1,297
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   298,935 1,582 SH   SOLE   1,102 0 480
VANGUARD INDEX FDS GROWTH ETF 922908736   1,319,577 3,240 SH   SOLE   0 0 3,239
VANGUARD INDEX FDS VALUE ETF 922908744   1,223,758 7,296 SH   SOLE   2,102 0 5,194
VANGUARD INDEX FDS SMALL CP ETF 922908751   541,723 2,275 SH   SOLE   1,442 0 833
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,293,696 28,868 SH   SOLE   2,498 0 26,369
VERIZON COMMUNICATIONS INC COM 92343V104   259,861 6,873 SH   SOLE   185 0 6,687
VISA INC COM CL A 92826C839   1,603,169 5,210 SH   SOLE   167 0 5,043
VISTRA CORP COM 92840M102   442,027 2,651 SH   SOLE   7 0 2,644
WEC ENERGY GROUP INC COM 92939U106   246,602 2,640 SH   SOLE   55 0 2,585
WALMART INC COM 931142103   257,238 2,766 SH   SOLE   297 0 2,469
WATSCO INC COM 942622200   371,088 800 SH   SOLE   10 0 790
WELLS FARGO CO NEW COM 949746101   858,916 12,277 SH   SOLE   2,352 0 9,925
YELP INC CL A 985817105   276,196 7,187 SH   SOLE   206 0 6,981
ZOETIS INC CL A 98978V103   277,317 1,698 SH   SOLE   124 0 1,574