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
3M CO COM 88579Y101   249,888 1,828 SH   SOLE 0 0 0 1,828
AFLAC INC COM 001055102   226,628 2,027 SH   SOLE 0 0 0 2,027
ALPHABET INC CAP STK CL A 02079K305   248,477 1,498 SH   SOLE 0 0 0 1,498
AMAZON COM INC COM 023135106   387,380 2,079 SH   SOLE 0 0 0 2,079
APPLE INC COM 037833100   1,227,346 5,268 SH   SOLE 0 0 0 5,268
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   263,269 572 SH   SOLE 0 0 0 572
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   14,113,148 285,287 SH   SOLE 0 0 0 285,287
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   5,953,840 111,224 SH   SOLE 0 0 0 111,224
CARRIAGE SVCS INC COM 143905107   249,738 7,607 SH   SOLE 0 0 0 7,607
CLEANSPARK INC COM NEW 18452B209   157,192 16,830 SH   SOLE 0 0 0 16,830
COCA COLA CO COM 191216100   4,963,226 69,068 SH   SOLE 0 0 0 69,068
EXXON MOBIL CORP COM 30231G102   242,294 2,067 SH   SOLE 0 0 0 2,067
ISHARES INC CORE MSCI EMKT 46434G103   2,639,406 45,975 SH   SOLE 0 0 0 45,975
ISHARES INC EMNG MKTS EQT 46434G889   684,115 13,740 SH   SOLE 0 0 0 13,740
ISHARES INC MSCI EMRG CHN 46434G764   6,855,198 112,178 SH   SOLE 0 0 0 112,178
ISHARES TR ESG AWR MSCI USA 46435G425   903,827 7,163 SH   SOLE 0 0 0 7,163
ISHARES TR INVESTMENT GRADE 46435G219   2,639,217 56,794 SH   SOLE 0 0 0 56,794
ISHARES TR GNMA BOND ETF 46429B333   2,004,756 44,759 SH   SOLE 0 0 0 44,759
ISHARES TR US INFRASTRUC 46435U713   1,771,521 37,716 SH   SOLE 0 0 0 37,716
ISHARES TR 0-5 YR TIPS ETF 46429B747   404,267 3,990 SH   SOLE 0 0 0 3,990
ISHARES TR MSCI USA MIN VOL 46429B697   344,493 3,773 SH   SOLE 0 0 0 3,773
ISHARES TR US TREAS BD ETF 46429B267   1,714,235 73,102 SH   SOLE 0 0 0 73,102
ISHARES TR MSCI USA QLT FCT 46432F339   14,744,018 82,231 SH   SOLE 0 0 0 82,231
ISHARES TR CORE TOTAL USD 46434V613   12,618,924 267,804 SH   SOLE 0 0 0 267,804
ISHARES TR CONV BD ETF 46435G102   1,594,834 19,061 SH   SOLE 0 0 0 19,061
ISHARES TR MSCI INTL VLU FT 46435G409   1,300,885 44,053 SH   SOLE 0 0 0 44,053
ISHARES TR SHRT NAT MUN ETF 464288158   245,617 2,313 SH   SOLE 0 0 0 2,313
ISHARES TR MBS ETF 464288588   9,239,411 96,435 SH   SOLE 0 0 0 96,435
ISHARES TR NATIONAL MUN ETF 464288414   1,704,187 15,688 SH   SOLE 0 0 0 15,688
ISHARES TR GOV/CRED BD ETF 464288596   637,835 5,970 SH   SOLE 0 0 0 5,970
ISHARES TR JPMORGAN USD EMG 464288281   1,931,869 20,644 SH   SOLE 0 0 0 20,644
ISHARES TR USD INV GRDE ETF 464288620   220,678 4,197 SH   SOLE 0 0 0 4,197
ISHARES TR 10-20 YR TRS ETF 464288653   1,122,600 10,268 SH   SOLE 0 0 0 10,268
ISHARES TR EAFE VALUE ETF 464288877   11,516,643 200,185 SH   SOLE 0 0 0 200,185
ISHARES TR EAFE GRWTH ETF 464288885   10,751,221 99,872 SH   SOLE 0 0 0 99,872
ISHARES TR GLOBAL ENERG ETF 464287341   266,561 6,585 SH   SOLE 0 0 0 6,585
ISHARES TR US CONSM STAPLES 464287812   220,178 3,120 SH   SOLE 0 0 0 3,120
ISHARES TR U.S. TECH ETF 464287721   7,070,799 46,635 SH   SOLE 0 0 0 46,635
ISHARES TR EXPND TEC SC ETF 464287549   311,709 3,249 SH   SOLE 0 0 0 3,249
ISHARES TR EUROPE ETF 464287861   1,033,710 17,740 SH   SOLE 0 0 0 17,740
ISHARES TR S&P 500 VAL ETF 464287408   8,176,443 41,469 SH   SOLE 0 0 0 41,469
ISHARES TR CORE S&P500 ETF 464287200   15,773,731 27,346 SH   SOLE 0 0 0 27,346
ISHARES TR S&P 500 GRWT ETF 464287309   14,313,668 149,490 SH   SOLE 0 0 0 149,490
ISHARES TR RUS 1000 ETF 464287622   1,119,543 3,561 SH   SOLE 0 0 0 3,561
ISHARES TR S&P 100 ETF 464287101   9,602,188 34,695 SH   SOLE 0 0 0 34,695
ISHARES TR CORE US AGGBD ET 464287226   1,602,193 15,821 SH   SOLE 0 0 0 15,821
ISHARES TR TIPS BD ETF 464287176   336,381 3,045 SH   SOLE 0 0 0 3,045
ISHARES TR 7-10 YR TRSY BD 464287440   721,378 7,352 SH   SOLE 0 0 0 7,352
ISHARES TR 20 YR TR BD ETF 464287432   4,660,241 47,505 SH   SOLE 0 0 0 47,505
ISHARES TR IBOXX INV CP ETF 464287242   680,930 6,027 SH   SOLE 0 0 0 6,027
KODIAK GAS SVCS INC COM 50012A108   2,451,950 84,550 SH   SOLE 0 0 0 84,550
LINDE PLC SHS G54950103   366,705 769 SH   SOLE 0 0 0 769
META PLATFORMS INC CL A 30303M102   401,853 702 SH   SOLE 0 0 0 702
MICROSOFT CORP COM 594918104   897,176 2,085 SH   SOLE 0 0 0 2,085
NVIDIA CORPORATION COM 67066G104   778,309 6,409 SH   SOLE 0 0 0 6,409
RIOT PLATFORMS INC COM 767292105   79,200 80,000 SH Call SOLE 0 0 0 80,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   28,947,046 609,155 SH   SOLE 0 0 0 609,155
SCHWAB STRATEGIC TR MUN BD ETF 808524649   749,551 14,269 SH   SOLE 0 0 0 14,269
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   398,311 9,649 SH   SOLE 0 0 0 9,649
SPDR SER TR PORTFOLIO S&P500 78464A854   29,707,640 440,048 SH   SOLE 0 0 0 440,048
TESLA INC COM 88160R101   476,690 1,822 SH   SOLE 0 0 0 1,822
VANGUARD BD INDEX FDS INTERMED TERM 921937819   681,270 8,693 SH   SOLE 0 0 0 8,693
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   620,228 9,345 SH   SOLE 0 0 0 9,345