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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNC INVT CORP COM 00123Q104 1,038,740 108,428 SH SOLE 108,428 0 0
AMAZON COM INC COM 023135106 397,073 2,087 SH SOLE 2,087 0 0
APPLE INC COM 037833100 290,546 1,308 SH SOLE 1,308 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,485,366 2,789 SH SOLE 2,789 0 0
CRH PLC ORD G25508105 232,417 2,642 SH SOLE 2,642 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 304,226 7,026 SH SOLE 7,026 0 0
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527 6,093,453 155,604 SH SOLE 155,604 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 2,297,425 46,319 SH SOLE 46,319 0 0
FRANKLIN TEMPLETON ETF TR INTL AGGREGTE BD 35473P611 844,160 41,749 SH SOLE 41,749 0 0
FRANKLIN TEMPLETON ETF TR INTL COR DIV TIL 35473P108 952,429 29,225 SH SOLE 29,225 0 0
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 14,973,985 143,018 SH SOLE 143,018 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,087,013 40,911 SH SOLE 40,911 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,098,154 6,607 SH SOLE 6,607 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 573,797 12,258 SH SOLE 12,258 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 868,060 2,404 SH SOLE 2,404 0 0
ISHARES TR US INFRASTRUC 46435U713 691,700 15,347 SH SOLE 15,347 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 5,222,788 70,502 SH SOLE 70,502 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,196,686 27,384 SH SOLE 27,384 0 0
ISHARES TR MSCI EAFE SMCP 46435G839 699,253 21,716 SH SOLE 21,716 0 0
ISHARES TR CALIF MUN BD ETF 464288356 425,027 7,552 SH SOLE 7,552 0 0
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118 3,764,599 67,249 SH SOLE 67,249 0 0
NVIDIA CORPORATION COM 67066G104 311,918 2,878 SH SOLE 2,878 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 1,476,575 15,259 SH SOLE 15,259 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 1,819,251 35,291 SH SOLE 35,291 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,392,743 25,876 SH SOLE 25,876 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,275,562 227,288 SH SOLE 227,288 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,505,784 38,247 SH SOLE 38,247 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 852,510 1,524 SH SOLE 1,524 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 28,735,615 436,977 SH SOLE 436,977 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 6,634,036 82,544 SH SOLE 82,544 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 465,248 9,110 SH SOLE 9,110 0 0