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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 210,679 1,549 SH SOLE 1,549 0 0
ABBVIE INC COM 00287Y109 344,370 1,855 SH SOLE 1,855 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 208,924 699 SH SOLE 699 0 0
ALPHABET INC CAP STK CL C 02079K107 947,617 5,342 SH SOLE 5,342 0 0
ALPHABET INC CAP STK CL A 02079K305 1,135,626 6,444 SH SOLE 6,444 0 0
AMAZON COM INC COM 023135106 2,114,700 9,639 SH SOLE 9,639 0 0
APPLE INC COM 037833100 3,708,653 18,076 SH SOLE 18,076 0 0
AT&T INC COM 00206R102 217,397 7,512 SH SOLE 7,512 0 0
BANCO SANTANDER S.A. ADR 05964H105 88,329 10,642 SH SOLE 10,642 0 0
BANK AMERICA CORP COM 060505104 258,698 5,467 SH SOLE 5,467 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 814,151 1,676 SH SOLE 1,676 0 0
BLACKSTONE INC COM 09260D107 312,772 2,091 SH SOLE 2,091 0 0
BOOKING HOLDINGS INC COM 09857L108 225,780 39 SH SOLE 39 0 0
BROADCOM INC COM 11135F101 1,476,381 5,356 SH SOLE 5,356 0 0
CAPITAL ONE FINL CORP COM 14040H105 208,930 982 SH SOLE 982 0 0
CATERPILLAR INC COM 149123101 276,017 711 SH SOLE 711 0 0
CHEVRON CORP NEW COM 166764100 217,675 1,520 SH SOLE 1,520 0 0
CISCO SYS INC COM 17275R102 248,797 3,586 SH SOLE 3,586 0 0
COCA COLA CO COM 191216100 345,472 4,883 SH SOLE 4,883 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 2,805,672 8,005 SH SOLE 3,449 0 4,556
COSTCO WHSL CORP NEW COM 22160K105 529,618 535 SH SOLE 535 0 0
ELI LILLY & CO COM 532457108 795,121 1,020 SH SOLE 1,020 0 0
EXXON MOBIL CORP COM 30231G102 535,061 4,963 SH SOLE 4,963 0 0
GE AEROSPACE COM NEW 369604301 290,336 1,128 SH SOLE 1,128 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 220,818 312 SH SOLE 312 0 0
HOME DEPOT INC COM 437076102 410,270 1,119 SH SOLE 1,119 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 244,667 830 SH SOLE 830 0 0
INTUIT COM 461202103 248,891 316 SH SOLE 316 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,586,802 121,688 SH SOLE 114,496 0 7,192
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 1,562,139 74,672 SH SOLE 72,954 0 1,718
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 613,064 55,082 SH SOLE 55,082 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118 8,238,795 119,663 SH SOLE 115,122 0 4,541
ISHARES INC CORE MSCI EMKT 46434G103 1,281,976 21,356 SH SOLE 21,356 0 0
ISHARES TR CORE INTL AGGR 46435G672 3,486,688 68,246 SH SOLE 68,197 0 49
ISHARES TR SHRT NAT MUN ETF 464288158 842,385 7,922 SH SOLE 7,922 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,216,681 32,426 SH SOLE 32,083 0 343
ISHARES TR TIPS BD ETF 464287176 328,514 2,985 SH SOLE 2,985 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,134,507 37,548 SH SOLE 37,548 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,046,666 14,401 SH SOLE 14,400 0 1
ISHARES TR JPMORGAN USD EMG 464288281 1,255,205 13,552 SH SOLE 13,063 0 489
ISHARES TR PFD AND INCM SEC 464288687 3,073,990 100,195 SH SOLE 96,515 0 3,680
ISHARES TR CORE S&P TTL STK 464287150 24,428,600 180,899 SH SOLE 168,381 0 12,518
ISHARES TR CRE U S REIT ETF 464288521 228,963 4,048 SH SOLE 3,970 0 78
ISHARES TR RUS 2000 VAL ETF 464287630 1,054,109 6,682 SH SOLE 6,183 0 499
ISHARES TR CONV BD ETF 46435G102 635,926 7,058 SH SOLE 7,058 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,990,069 47,761 SH SOLE 47,761 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,456,513 12,009 SH SOLE 12,009 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,538,540 59,518 SH SOLE 59,389 0 129
ISHARES U S ETF TR SHORT DURATION B 46431W507 1,124,536 22,007 SH SOLE 21,250 0 757
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 623,261 12,240 SH SOLE 12,240 0 0
JOHNSON & JOHNSON COM 478160104 343,382 2,248 SH SOLE 2,248 0 0
JPMORGAN CHASE & CO. COM 46625H100 885,095 3,053 SH SOLE 3,053 0 0
LINDE PLC SHS G54950103 287,138 612 SH SOLE 612 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 55,420 13,040 SH SOLE 13,040 0 0
MASTERCARD INCORPORATED CL A 57636Q104 540,586 962 SH SOLE 962 0 0
MCDONALDS CORP COM 580135101 255,941 876 SH SOLE 876 0 0
META PLATFORMS INC CL A 30303M102 1,575,822 2,135 SH SOLE 2,135 0 0
MICROSOFT CORP COM 594918104 4,450,356 8,947 SH SOLE 8,947 0 0
NETFLIX INC COM 64110L106 460,661 344 SH SOLE 344 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 146,328 109,200 SH SOLE 109,200 0 0
NVIDIA CORPORATION COM 67066G104 3,879,128 24,553 SH SOLE 24,553 0 0
ORACLE CORP COM 68389X105 414,741 1,897 SH SOLE 1,897 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 341,618 2,506 SH SOLE 2,506 0 0
PHILIP MORRIS INTL INC COM 718172109 314,903 1,729 SH SOLE 1,729 0 0
PROCTER AND GAMBLE CO COM 742718109 447,211 2,807 SH SOLE 2,807 0 0
RTX CORPORATION COM 75513E101 263,858 1,807 SH SOLE 1,807 0 0
SALESFORCE INC COM 79466L302 234,241 859 SH SOLE 859 0 0
SAP SE SPON ADR 803054204 210,437 692 SH SOLE 692 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 616,250 25,860 SH SOLE 25,856 0 4
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,093,638 78,473 SH SOLE 76,242 0 2,231
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 840,823 36,180 SH SOLE 36,179 0 1
SCHWAB STRATEGIC TR US REIT ETF 808524847 858,842 40,588 SH SOLE 40,588 0 0
SERVICENOW INC COM 81762P102 208,700 203 SH SOLE 203 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 850,578 31,043 SH SOLE 31,043 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 793,753 19,604 SH SOLE 19,604 0 0
SPDR SERIES TRUST BLOOMBERG INVT 78468R200 1,975,100 64,064 SH SOLE 62,351 0 1,713
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 2,753,575 33,312 SH SOLE 32,229 0 1,083
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 1,121,854 11,533 SH SOLE 11,177 0 356
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 400,221 9,623 SH SOLE 9,121 0 502
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 457,057 2,018 SH SOLE 2,018 0 0
TESLA INC COM 88160R101 982,522 3,093 SH SOLE 3,093 0 0
UNITEDHEALTH GROUP INC COM 91324P102 249,634 800 SH SOLE 800 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,072,485 299,776 SH SOLE 285,366 0 14,410
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,753,705 34,990 SH SOLE 33,889 0 1,101
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 9,947,285 200,915 SH SOLE 194,728 0 6,187
VANGUARD INDEX FDS SMALL CP ETF 922908751 236,980 1,000 SH SOLE 1,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,276,202 4,199 SH SOLE 4,199 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,722,061 64,249 SH SOLE 61,779 0 2,470
VANGUARD INDEX FDS LARGE CAP ETF 922908637 505,266 1,771 SH SOLE 1,771 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 390,363 1,395 SH SOLE 1,395 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,251,275 166,827 SH SOLE 160,850 0 5,977
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,847,459 61,700 SH SOLE 59,440 0 2,260
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,385,737 32,634 SH SOLE 31,217 0 1,417
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,670,501 34,071 SH SOLE 34,071 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 447,358 6,475 SH SOLE 6,475 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 20,659,937 362,391 SH SOLE 351,423 0 10,968
VISA INC COM CL A 92826C839 624,178 1,758 SH SOLE 1,758 0 0
WALMART INC COM 931142103 488,411 4,995 SH SOLE 4,995 0 0
WELLS FARGO CO NEW COM 949746101 265,678 3,316 SH SOLE 3,316 0 0
WILLIAMS COS INC COM 969457100 233,590 3,719 SH SOLE 3,719 0 0