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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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   286,374 644 SH   SOLE   644 0 0
AIRBNB INC COM CL A 009066101   3,576,980 27,220 SH   SOLE   27,220 0 0
ALPHABET INC CAP STK CL C 02079K107   1,246,239 6,544 SH   SOLE   6,544 0 0
ALPHABET INC CAP STK CL A 02079K305   327,300 1,729 SH   SOLE   1,729 0 0
AMAZON COM INC COM 023135106   1,545,383 7,044 SH   SOLE   7,044 0 0
AMERICAN TOWER CORP NEW COM 03027X100   242,835 1,324 SH   SOLE   1,324 0 0
APPLE INC COM 037833100   12,177,674 48,629 SH   SOLE   48,629 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   732,500 1,616 SH   SOLE   1,616 0 0
BLOCK INC CL A 852234103   3,301,862 38,850 SH   SOLE   38,850 0 0
BROADCOM INC COM 11135F101   515,844 2,225 SH   SOLE   2,225 0 0
CISCO SYS INC COM 17275R102   212,765 3,594 SH   SOLE   3,594 0 0
CITIGROUP INC COM NEW 172967424   217,012 3,083 SH   SOLE   3,083 0 0
COMCAST CORP NEW CL A 20030N101   212,645 5,666 SH   SOLE   5,666 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,292,076 31,911 SH   SOLE   31,911 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,749,896 68,975 SH   SOLE   68,975 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   2,097,248 32,898 SH   SOLE   32,898 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   285,407 12,265 SH   SOLE   12,265 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   726,632 21,007 SH   SOLE   21,007 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   308,412 5,541 SH   SOLE   5,541 0 0
DISNEY WALT CO COM 254687106   250,760 2,252 SH   SOLE   2,252 0 0
EQUIFAX INC COM 294429105   201,586 791 SH   SOLE   791 0 0
EQUINIX INC COM 29444U700   230,065 244 SH   SOLE   244 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   3,926,091 66,884 SH   SOLE   66,884 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   4,011,805 58,413 SH   SOLE   58,413 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   3,882,222 39,834 SH   SOLE   39,834 0 0
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   1,521,950 30,790 SH   SOLE   30,790 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,431,632 101,998 SH   SOLE   101,998 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   3,985,500 60,987 SH   SOLE   60,987 0 0
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   4,446,475 63,241 SH   SOLE   63,241 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   9,008,833 48,728 SH   SOLE   48,728 0 0
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   997,147 20,692 SH   SOLE   20,692 0 0
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   1,869,061 38,324 SH   SOLE   38,324 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,180,532 93,746 SH   SOLE   93,746 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   227,985 1,530 SH   SOLE   1,530 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   253,828 5,318 SH   SOLE   5,318 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   162,105 10,100 SH   SOLE   10,100 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   270,749 13,450 SH   SOLE   13,450 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   246,761 12,700 SH   SOLE   12,700 0 0
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609   1,092,480 31,939 SH   SOLE   31,939 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   885,813 29,429 SH   SOLE   29,429 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   2,912,402 40,243 SH   SOLE   40,243 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   5,382,904 143,851 SH   SOLE   143,851 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   1,673,962 31,330 SH   SOLE   31,330 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   1,742,061 59,456 SH   SOLE   59,456 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,370,205 83,545 SH   SOLE   83,545 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   299,155 9,185 SH   SOLE   9,185 0 0
ISHARES TR IBONDS 26 TRM TS 46436E858   219,683 9,631 SH   SOLE   9,631 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   8,217,055 46,315 SH   SOLE   46,315 0 0
ISHARES TR TRS FLT RT BD 46434V860   2,408,227 47,716 SH   SOLE   47,716 0 0
ISHARES TR IBONDS OCT 2031 46438G877   2,471,431 98,385 SH   SOLE   98,385 0 0
ISHARES TR IBONDS DEC 2031 46436E460   2,952,596 149,121 SH   SOLE   149,121 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   334,232 3,615 SH   SOLE   3,615 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,828,881 32,393 SH   SOLE   32,393 0 0
ISHARES TR IBONDS 28 TRM TS 46436E833   240,282 10,970 SH   SOLE   10,970 0 0
ISHARES TR RUS TP200 GR ETF 464289438   567,236 2,411 SH   SOLE   2,411 0 0
ISHARES TR RUS TP200 VL ETF 464289420   295,651 3,741 SH   SOLE   3,741 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   1,219,912 32,864 SH   SOLE   32,864 0 0
ISHARES TR FALN ANGLS USD 46435G474   746,438 27,946 SH   SOLE   27,946 0 0
ISHARES TR IBONDS DEC 2031 46436E486   480,260 23,600 SH   SOLE   23,600 0 0
ISHARES TR DOW JONES US ETF 464287846   313,367 2,190 SH   SOLE   2,190 0 0
ISHARES TR IBONDS DEC 2032 46436E296   812,564 36,602 SH   SOLE   36,602 0 0
ISHARES TR IBONDS DEC 29 46436E205   222,642 9,765 SH   SOLE   9,765 0 0
ISHARES TR IBOND DEC 2030 46436E593   749,521 39,052 SH   SOLE   39,052 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   227,620 9,500 SH   SOLE   9,500 0 0
ISHARES TR IBONDS DEC 2030 46436E726   232,824 10,900 SH   SOLE   10,900 0 0
ISHARES TR IBONDS OCT 2032 46438G869   213,538 8,600 SH   SOLE   8,600 0 0
JPMORGAN CHASE & CO. COM 46625H100   344,224 1,436 SH   SOLE   1,436 0 0
MARQETA INC CLASS A COM 57142B104   55,842 14,734 SH   SOLE   14,734 0 0
MASTERCARD INCORPORATED CL A 57636Q104   292,246 555 SH   SOLE   555 0 0
META PLATFORMS INC CL A 30303M102   868,897 1,484 SH   SOLE   1,484 0 0
MICROSOFT CORP COM 594918104   1,423,827 3,378 SH   SOLE   3,378 0 0
NVIDIA CORPORATION COM 67066G104   1,102,924 8,213 SH   SOLE   8,213 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108   512,318 6,774 SH   SOLE   6,774 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304   4,960,240 95,261 SH   SOLE   95,261 0 0
PROCTER AND GAMBLE CO COM 742718109   337,479 2,013 SH   SOLE   2,013 0 0
PROLOGIS INC. COM 74340W103   210,660 1,993 SH   SOLE   1,993 0 0
PUBLIC STORAGE OPER CO COM 74460D109   240,750 804 SH   SOLE   804 0 0
REALTY INCOME CORP COM 756109104   241,894 4,529 SH   SOLE   4,529 0 0
SALESFORCE INC COM 79466L302   414,235 1,239 SH   SOLE   1,239 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   2,293,820 77,233 SH   SOLE   77,233 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   1,689,971 71,367 SH   SOLE   71,367 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,775,133 76,317 SH   SOLE   76,317 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   580,182 27,549 SH   SOLE   27,549 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   501,161 14,681 SH   SOLE   14,681 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,113,591 40,761 SH   SOLE   40,761 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   475,272 18,400 SH   SOLE   18,400 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,423,857 14,725 SH   SOLE   14,725 0 0
SERVICENOW INC COM 81762P102   271,391 256 SH   SOLE   256 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   488,059 14,300 SH   SOLE   14,300 0 0
TESLA INC COM 88160R101   470,474 1,165 SH   SOLE   1,165 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   8,661,697 21,127 SH   SOLE   21,127 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   470,265 2,907 SH   SOLE   2,907 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   280,821 1,417 SH   SOLE   1,417 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   544,807 3,218 SH   SOLE   3,218 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   450,399 1,670 SH   SOLE   1,670 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,771,639 5,144 SH   SOLE   5,144 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,282,968 11,328 SH   SOLE   11,328 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   5,673,306 70,697 SH   SOLE   70,697 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,345,295 42,615 SH   SOLE   42,615 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   709,697 14,841 SH   SOLE   14,841 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   351,449 2,268 SH   SOLE   2,268 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   334,088 2,754 SH   SOLE   2,754 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   401,602 2,138 SH   SOLE   2,138 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   610,632 2,407 SH   SOLE   2,407 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   743,252 1,980 SH   SOLE   1,980 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   355,048 571 SH   SOLE   571 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   224,624 5,617 SH   SOLE   5,617 0 0
VISA INC COM CL A 92826C839   492,390 1,558 SH   SOLE   1,558 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   1,852,305 60,831 SH   SOLE   60,831 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   6,121,740 121,656 SH   SOLE   121,656 0 0