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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Vanguard Muni BND Tax Exempt ETF ETF 922907746 13,725,090 276,604 SH SOLE 0 0 276,604
Vanguard FTSE Developed Markets ETF ETF 921943858 12,416,284 244,270 SH SOLE 0 0 244,270
Schwab US Large Cap Growth ETF ETF 808524300 10,586,547 422,785 SH SOLE 0 0 422,785
Select STR Financial Select SPDR ETF ETF 81369Y605 7,593,355 152,446 SH SOLE 0 0 152,446
iShares Core S&P 500 ETF ETF 464287200 7,577,985 13,486 SH SOLE 0 0 13,486
Vanguard Mortgage Backed Sec ETF ETF 92206C771 6,513,918 140,659 SH SOLE 0 0 140,659
Technology Select Sector SPDR ETF ETF 81369Y803 5,616,437 27,200 SH SOLE 0 0 27,200
iShares iBoxx Invt Grade Bond ETF ETF 464287242 5,551,723 51,078 SH SOLE 0 0 51,078
Health Care Select SPDR ETF 81369Y209 5,078,521 34,782 SH SOLE 0 0 34,782
Fidelity MSCI Cons Discr Indx ETF ETF 316092204 4,546,859 53,802 SH SOLE 0 0 53,802
iShares Core MSCI EAFE ETF ETF 46432F842 3,795,161 50,167 SH SOLE 0 0 50,167
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 3,759,742 28,684 SH SOLE 0 0 28,684
JPMorgan U.S. Quality Factor ETF ETF 46641Q761 3,740,877 66,245 SH SOLE 0 0 66,245
SPDR Nuveen BLMG HG YL MP BND ETF ETF 78464A284 3,671,844 145,592 SH SOLE 0 0 145,592
iShares Inc MSCI Japan ETF ETF 46434G822 3,574,375 52,135 SH SOLE 0 0 52,135
Vanguard FTSE Europe ETF ETF 922042874 3,554,059 50,620 SH SOLE 0 0 50,620
Vanguard S&P 500 ETF ETF 922908363 3,323,507 6,467 SH SOLE 0 0 6,467
iShares U.S. Treasury Bond ETF ETF 46429B267 2,994,003 130,259 SH SOLE 0 0 130,259
iShares Expanded Tech Sector ETF ETF 464287549 2,837,985 31,300 SH SOLE 0 0 31,300
Vanguard Russell 2000 Growth ETF ETF 92206C623 2,437,713 13,080 SH SOLE 0 0 13,080
Invesco S&P 500 Equal Weight ETF ETF 46137V357 2,015,663 11,635 SH SOLE 0 0 11,635
Vanguard Mid Cap ETF ETF 922908629 1,834,794 7,094 SH SOLE 0 0 7,094
Invsc QQQ Trust SRS 1 ETF ETF 46090E103 1,685,768 3,595 SH SOLE 0 0 3,595
Energy Select Sector SPDR ETF ETF 81369Y506 1,667,213 17,840 SH SOLE 0 0 17,840
Schwab Intermediate Term US TRS ETF ETF 808524854 1,642,694 66,077 SH SOLE 0 0 66,077
Schwab Long Term US Treasury ETF ETF 808524680 1,604,812 48,986 SH SOLE 0 0 48,986
Nvidia Corp Common Stock 67066G104 1,531,689 14,132 SH SOLE 0 0 14,132
SPDR S&P Aerospace & Defense ETF ETF 78464A631 1,173,716 7,304 SH SOLE 0 0 7,304
Apple Inc Common Stock 037833100 1,023,584 4,608 SH SOLE 0 0 4,608
iShares California Muni Bond ETF ETF 464288356 968,635 17,211 SH SOLE 0 0 17,211
iShares Broad Usd HG YLD CRP BND ETF ETF 46435U853 949,134 25,784 SH SOLE 0 0 25,784
Vanguard Total Bond Market ETF ETF 921937835 888,967 12,103 SH SOLE 0 0 12,103
Communicat SVS SLCT Sec SPDR ETF IV ETF 81369Y852 770,988 7,993 SH SOLE 0 0 7,993
Microsoft Corp Common Stock 594918104 748,819 1,994 SH SOLE 0 0 1,994
SPDR S&P 500 ETF ETF 78462F103 719,809 1,286 SH SOLE 0 0 1,286
Grayscale Bitcoin TR BTC Fund 389637109 661,279 10,147 SH SOLE 0 0 10,147
SPDR Blackstone Senior Loan ETF ETF 78467V608 658,205 16,003 SH SOLE 0 0 16,003
iShares MSCI Glo Gold Miners ETF ETF 46434G855 620,127 16,165 SH SOLE 0 0 16,165
Tesla Inc Common Stock 88160R101 593,994 2,292 SH SOLE 0 0 2,292
SPDR S&P Midcap 400 ETF ETF 78467Y107 569,223 1,067 SH SOLE 0 0 1,067
Alphabet Inc Class C Common Stock 02079K107 568,677 3,640 SH SOLE 0 0 3,640
Vanguard Dividend Appreciation ETF ETF 921908844 545,095 2,809 SH SOLE 0 0 2,809
Vanguard High Dividend Yield ETF ETF 921946406 494,561 3,835 SH SOLE 0 0 3,835
Charles Schwab US REIT ETF ETF 808524847 350,376 16,289 SH SOLE 0 0 16,289
Shopify Inc F Class A Common Stock 82509L107 337,999 3,540 SH SOLE 0 0 3,540
Alps Alerian MLP ETF ETF 00162Q452 336,363 6,476 SH SOLE 0 0 6,476
iShares MSCI EAFE ETF ETF 464287465 305,086 3,732 SH SOLE 0 0 3,732
SPDR Gold Shares ETF ETF 78463V107 287,563 998 SH SOLE 0 0 998
Schwab US Aggregate Bond ETF ETF 808524839 276,113 11,922 SH SOLE 0 0 11,922
Amazon.Com Inc Common Stock 023135106 270,930 1,424 SH SOLE 0 0 1,424
Vaneck Short Muni ETF ETF 92189F528 257,413 15,022 SH SOLE 0 0 15,022
iShares New York Muni Bond ETF ETF 464288323 228,335 4,336 SH SOLE 0 0 4,336
Invesco S And P 500 Garp ETF ETF 46137V431 209,048 2,093 SH SOLE 0 0 2,093
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 169,420 858 SH SOLE 0 0 858
Innovator US Equity Power Buffer ETF ETF 45782C318 168,152 4,697 SH SOLE 0 0 4,697
SPDR Nuveen Blombg MNPL BND ETF ETF 78468R721 157,068 3,485 SH SOLE 0 0 3,485
Broadcom Inc Common Stock 11135F101 139,161 831 SH SOLE 0 0 831
JPMorgan Ultra Short Income ETF ETF 46641Q837 103,134 2,037 SH SOLE 0 0 2,037
Prologis Inc. REIT Not SEC Eligible 74340W103 83,590 747 SH SOLE 0 0 747
Grayscale Bitcoin Mini Trust ETF ETF 389930207 74,038 2,029 SH SOLE 0 0 2,029
iShares Core US Aggregate Bond ETF ETF 464287226 71,321 720 SH SOLE 0 0 720
iShares 3-7 Year Treasury Bond ETF ETF 464288661 64,737 548 SH SOLE 0 0 548
Cloudflare Inc Class A Common Stock 18915M107 63,444 563 SH SOLE 0 0 563
Meta Platforms Inc Common Stock 30303M102 62,246 108 SH SOLE 0 0 108
Paypal Holdings Incorpor Common Stock 70450Y103 59,508 912 SH SOLE 0 0 912
Xometry Inc Class A Common Stock 98423F109 56,543 2,269 SH SOLE 0 0 2,269
Netflix Inc Common Stock 64110L106 55,951 60 SH SOLE 0 0 60
Schwab US Dividend Equity ETF ETF 808524797 55,696 1,992 SH SOLE 0 0 1,992
Taiwan Semiconductr F Sponsored ADR Common Stock 874039100 49,468 298 SH SOLE 0 0 298
Nuveen Esg Large Cap Growth ETF ETF 67092P201 48,924 625 SH SOLE 0 0 625
Vaneck Gold Miners ETF ETF 92189F106 48,066 1,045 SH SOLE 0 0 1,045
Vanguard Esg International Stock ETF ETF 921910725 47,832 811 SH SOLE 0 0 811
Equity Residential REIT Not SEC Eligible 29476L107 46,921 655 SH SOLE 0 0 655
Vaneck Intermediate Muni ETF ETF 92189H201 46,739 1,027 SH SOLE 0 0 1,027
iShares MSCI USA QLTY Fact ETF ETF 46432F339 46,652 272 SH SOLE 0 0 272
Advanced Micro Devic Common Stock 007903107 46,643 454 SH SOLE 0 0 454
Avalonbay CMNTYS Inc REIT Not SEC Eligible 053484101 44,975 209 SH SOLE 0 0 209
ISHARES MBS ETF ETF 464288588 44,920 478 SH SOLE 0 0 478
Digital Realty Trust REIT Not SEC Eligible 253868103 44,403 309 SH SOLE 0 0 309
Stag Industrial Inc REIT Not SEC Eligible 85254J102 41,494 1,148 SH SOLE 0 0 1,148
WR Berkley Corp Common Stock 084423102 41,415 582 SH SOLE 0 0 582
iShares Global Clean Energy ETF ETF 464288224 39,102 3,424 SH SOLE 0 0 3,424
Permian Resources Corp Class A Common Stock 71424F105 36,175 2,611 SH SOLE 0 0 2,611
Booking Holdings Inc Common Stock 09857L108 32,248 7 SH SOLE 0 0 7
Vanguard Glbal Ex US Real Estate ETF ETF 922042676 31,801 786 SH SOLE 0 0 786
Berkshire Hathaway Class B Common Stock 084670702 30,889 58 SH SOLE 0 0 58
Thermo Fisher Scientific Common Stock 883556102 30,851 62 SH SOLE 0 0 62
Mastercard Inc Class A Common Stock 57636Q104 30,694 56 SH SOLE 0 0 56
Kimco Realty Corp REIT Not SEC Eligible 49446R109 29,576 1,392 SH SOLE 0 0 1,392
ProShares Ultra S&P 500 ETF ETF 74347R107 27,731 335 SH SOLE 0 0 335
Invesco Solar ETF ETF 46138G706 27,627 907 SH SOLE 0 0 907
Vanguard Esg U.S. Stock ETF ETF 921910733 27,328 279 SH SOLE 0 0 279
Realty Income Corp Disco REIT Not SEC Eligible 756109104 26,091 449 SH SOLE 0 0 449
Visa Inc Common Stock 92826C839 25,934 74 SH SOLE 0 0 74
Public Storage REIT Not SEC Eligible 74460D109 23,656 79 SH SOLE 0 0 79
iShares MSCI Acwi Ex US ETF ETF 464288240 22,955 413 SH SOLE 0 0 413
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 22,074 366 SH SOLE 0 0 366
Lowes Companies Inc Common Stock 548661107 21,690 93 SH SOLE 0 0 93
Invsc Actvly MNG Optm YD DVRS ETF ETF 46090F100 21,535 1,580 SH SOLE 0 0 1,580
Invesco Water Resources ETF ETF 46137V142 21,485 333 SH SOLE 0 0 333
iShares U.S. Healthcare ETF ETF 464287762 21,128 347 SH SOLE 0 0 347
NXP Semiconductors NV Common Stock N6596X109 19,766 104 SH SOLE 0 0 104
iShares iBoxx High Yield Bond ETF ETF 464288513 18,460 234 SH SOLE 0 0 234
SAP AG Common Stock 803054204 18,253 68 SH SOLE 0 0 68
PIMCO Active Bond ETF ETF 72201R775 17,756 192 SH SOLE 0 0 192
Essex Property TR REIT Not SEC Eligible 297178105 16,510 53 SH SOLE 0 0 53
Roblox Corp Class A Common Stock 771049103 16,321 280 SH SOLE 0 0 280
iShares Esg Aware MSCI USA ETF IV ETF 46435G425 15,482 127 SH SOLE 0 0 127
Weyerhaeuser Co REIT Not SEC Eligible 962166104 15,241 520 SH SOLE 0 0 520
Camden Property TR REIT Not SEC Eligible 133131102 13,348 109 SH SOLE 0 0 109
Asml Holding NV ADR Common Stock N07059210 13,252 20 SH SOLE 0 0 20
ISHARES TR BARCLAYS 1-3YR CR Bonds 464288646 13,062 249,419 PRN SOLE 0 0 249
iShares National Muni Bond ETF ETF 464288414 12,969 123 SH SOLE 0 0 123
LXP Industrial Trust REIT Not SEC Eligible 529043101 11,724 1,355 SH SOLE 0 0 1,355
Range Nuclear Renaissance IX ETF ETF 301505475 11,439 300 SH SOLE 0 0 300
Intuitive Surgical Common Stock 46120E602 11,391 23 SH SOLE 0 0 23
Fidelity MSCI Infor Tech Indx ETF ETF 316092808 11,363 70 SH SOLE 0 0 70
Gladstone Land Corpo REIT Not SEC Eligible 376549101 11,319 1,076 SH SOLE 0 0 1,076
Go Daddy Group Inc Class A Common Stock 380237107 10,808 60 SH SOLE 0 0 60
BlackRock Flexible Income ETF ETF 092528603 10,266 196 SH SOLE 0 0 196
Uber Technologies Inc Common Stock 90353T100 9,544 131 SH SOLE 0 0 131
Hims & Hers Health Inc Class A Common Stock 433000106 9,308 315 SH SOLE 0 0 315
Coinbase Global Inc Class A Common Stock 19260Q107 8,611 50 SH SOLE 0 0 50
iShares BRD Usd Inv GRD Corp BD ETF ETF 464288620 7,713 151 SH SOLE 0 0 151
ISHARES 20 PLS YEAR TREASURY BND ETF Bonds 464287432 7,646 84,000 PRN SOLE 0 0 84
Vanguard Short Term Treasury ETF ETF 92206C102 6,749 115 SH SOLE 0 0 115
iShares MSCI World ETF ETF 464286392 6,586 42 SH SOLE 0 0 42
Intuit Inc Common Stock 461202103 6,139 10 SH SOLE 0 0 10
Vaneck High Yield Muni ETF ETF 92189H409 5,834 114 SH SOLE 0 0 114
CRH PLC Common Stock G25508105 5,806 66 SH SOLE 0 0 66
Penn Entmt Inc Common Stock 707569109 5,398 331 SH SOLE 0 0 331
Schwab US Large Cap Value ETF ETF 808524409 4,624 174 SH SOLE 0 0 174
iShares Russell Top 200 Growth ETF ETF 464289438 4,218 19 SH SOLE 0 0 19
iShares Russell Mid Cap ETF ETF 464287499 4,168 49 SH SOLE 0 0 49
SPDR S&P Dividend ETF ETF 78464A763 3,120 23 SH SOLE 0 0 23
Alphabet Inc. Class A Common Stock 02079K305 3,096 20 SH SOLE 0 0 20
Vanguard Total International BND ETF ETF 92203J407 3,076 63 SH SOLE 0 0 63
iShares TRT Is 5-10 Inv GR CR BD ETF ETF 464288638 2,941 56 SH SOLE 0 0 56
iShares US Industrials ETF ETF 464287754 1,952 15 SH SOLE 0 0 15
iShares 10-20 Year Tsury Bond ETF ETF 464288653 1,660 16 SH SOLE 0 0 16
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 1,629 13 SH SOLE 0 0 13
iShares Global Consumer Discretionar ETF 464288745 1,598 8 SH SOLE 0 0 8
iShares MSCI Eurozone ETF ETF 464286608 1,277 23 SH SOLE 0 0 23
SPDR Portfolio High Yield BND ETF ETF 78468R606 1,007 43 SH SOLE 0 0 43
Snap Inc Class A Common Stock 83304A106 871 100 SH SOLE 0 0 100
Vanguard Information Technology ETF ETF 92204A702 544 1 SH SOLE 0 0 1
Walt Disney Co Common Stock 254687106 496 5 SH SOLE 0 0 5
Cipher MNG Inc Common Stock 17253J106 381 166 SH SOLE 0 0 166
Vanguard Large Cap ETF ETF 922908637 258 1 SH SOLE 0 0 1
iShares Russell 2000 GRWTH ETF ETF 464287648 256 1 SH SOLE 0 0 1
iShares Esg Aware MSCI EAFE ETF ETF 46435G516 245 3 SH SOLE 0 0 3
iShares GNMA Bond ETF ETF 46429B333 219 4 SH SOLE 0 0 4
PIMCO Enhanced Short Maturity Active Esg ETF ETF 72201R643 197 2 SH SOLE 0 0 2
iShares Russell 1000 Value ETF ETF 464287598 188 1 SH SOLE 0 0 1
Vanguard Financials ETF ETF 92204A405 120 1 SH SOLE 0 0 1
iShares Core S&P Mid Cap ETF ETF 464287507 116 2 SH SOLE 0 0 2
iShares MSCI USA Esg Select ETF ETF 464288802 114 1 SH SOLE 0 0 1
iShares MSCI USA Value Factor ETF ETF 46432F388 106 1 SH SOLE 0 0 1
iShares Core S&P Small-Cap ETF ETF 464287804 105 1 SH SOLE 0 0 1
PIMCO Enhanced SHRT Maturty Actv ETF ETF 72201R833 103 1 SH SOLE 0 0 1
iShares MSCI KLD 400 Social Indx ETF ETF 464288570 102 1 SH SOLE 0 0 1
SPDR Bloomberg 1-3 Month T-Bill ETF ETF 78468R663 95 1 SH SOLE 0 0 1
Vanguard Real Estate ETF ETF 922908553 92 1 SH SOLE 0 0 1
Gamestop Corp Class A Common Stock 36467W109 89 4 SH SOLE 0 0 4
Vanguard Russell 2000 ETF IV ETF 92206C664 81 1 SH SOLE 0 0 1
iShares Global Tech ETF ETF 464287291 75 1 SH SOLE 0 0 1
United States Commodity Index Etv IV ETF 911717106 72 1 SH SOLE 0 0 1
Fidelity MSCI Financials Indx ETF ETF 316092501 70 1 SH SOLE 0 0 1
iShares Core MSCI Intrl DVLP MKT ETF ETF 46435G326 70 1 SH SOLE 0 0 1
iShares Core US REIT ETF IV ETF 464288521 58 1 SH SOLE 0 0 1
iShares Core MSCI Emerging ETF ETF 46434G103 54 1 SH SOLE 0 0 1
SPDR Euro Stoxx 50 ETF ETF 78463X202 54 1 SH SOLE 0 0 1
SPDR Portfolio S&P 400 Mid Cap ETF ETF 78464A847 51 1 SH SOLE 0 0 1
iShares Interntinl Aggrgt BND ETF ETF 46435G672 49 1 SH SOLE 0 0 1
FRST TR Clfrna MNCPL HGH Incm ETF ETF 33739P863 49 1 SH SOLE 0 0 1
Dimensional Nationl Munpl BND ETF ETF 25434V849 48 1 SH SOLE 0 0 1
First Trust Senior Loan ETF ETF 33738D309 47 1 SH SOLE 0 0 1
Vanguard FTSE Emerging Markets ETF ETF 922042858 45 1 SH SOLE 0 0 1
iShares JP Morgan Em Corp BD ETF ETF 464286251 45 1 SH SOLE 0 0 1
Nuveen Esg Mid Cap Growth ETF ETF 67092P409 42 1 SH SOLE 0 0 1
Nuveen Esg Large Cap Value ETF ETF 67092P300 40 1 SH SOLE 0 0 1
iShares JP MRGN Em High YLD BD ETF ETF 464286285 38 1 SH SOLE 0 0 1
iShares Esg Aware MSCI USA ETF ETF 46435U663 38 1 SH SOLE 0 0 1
ISHARES J.P. MORGAN EM LOCAL CURRENCY BOND ETF Bonds 464286517 37 1,000 PRN SOLE 0 0 1
Xtrackers Usd High Yield Cor BND ETF ETF 233051432 37 1 SH SOLE 0 0 1
iShares Esg Aware MSCI Em ETF ETF 46434G863 34 1 SH SOLE 0 0 1
Abrdn BLMBR Al CM LN D SY K 1 ETF ETF 003261203 34 1 SH SOLE 0 0 1
Xtrackers Emerg MR CR Red Imp ETF IV ETF 233051192 29 1 SH SOLE 0 0 1
Franklin FTSE Japan ETF ETF 35473P744 29 1 SH SOLE 0 0 1
Nuveen Esg Emerging Markt Eqy ETF ETF 67092P888 29 1 SH SOLE 0 0 1
SPDR Portfolio Corporate Bond ETF ETF 78464A144 29 1 SH SOLE 0 0 1
Schwab Emerging Markets Equity ETF ETF 808524706 27 1 SH SOLE 0 0 1
Invsc Calfrna Amt Free MNCPL BND ETF ETF 46138E206 24 1 SH SOLE 0 0 1
Invesco National Amt-Free Municipal Bond ETF 46138E537 23 1 SH SOLE 0 0 1
Invesco DB Commodity Index Tracking Fund Common Stock 46138B103 22 1 SH SOLE 0 0 1
Invesco Senior Loan ETF ETF 46138G508 22 1 SH SOLE 0 0 1
Abrdn BLMBRG All CM SG K 1 FR ETF ETF 003261104 21 1 SH SOLE 0 0 1
Franklin International Agg BD ETF ETF 35473P611 20 1 SH SOLE 0 0 1
SPDR Bloombg Emg MRKT LCL BND ETF ETF 78464A391 20 1 SH SOLE 0 0 1
Vaneck Emerging MRK HGH YLD BND ETF ETF 92189F353 19 1 SH SOLE 0 0 1