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 18,238,193 371,980 SH SOLE 0 0 371,980
Schwab US Large Cap Growth ETF ETF 808524300 14,828,400 507,648 SH SOLE 0 0 507,648
Vanguard FTSE Developed Markets ETF ETF 921943858 14,227,073 249,553 SH SOLE 0 0 249,553
Select STR Financial Select SPDR ETF ETF 81369Y605 12,526,124 239,185 SH SOLE 0 0 239,185
Vanguard Mortgage Backed Sec ETF ETF 92206C771 8,375,373 180,737 SH SOLE 0 0 180,737
Technology Select Sector SPDR ETF ETF 81369Y803 8,336,386 32,920 SH SOLE 0 0 32,920
iShares Core S&P 500 ETF ETF 464287200 8,078,216 13,010 SH SOLE 0 0 13,010
Vanguard FTSE Europe ETF ETF 922042874 7,457,600 96,227 SH SOLE 0 0 96,227
iShares iBoxx Invt Grade Bond ETF ETF 464287242 7,176,099 65,469 SH SOLE 0 0 65,469
JPMorgan U.S. Quality Factor ETF ETF 46641Q761 7,068,675 117,713 SH SOLE 0 0 117,713
Health Care Select SPDR ETF 81369Y209 5,329,805 39,541 SH SOLE 0 0 39,541
Fidelity MSCI Cons Discr Indx ETF ETF 316092204 4,940,812 52,522 SH SOLE 0 0 52,522
iShares U.S. Treasury Bond ETF ETF 46429B267 4,919,194 214,064 SH SOLE 0 0 214,064
Communicat SVS SLCT Sec SPDR ETF IV ETF 81369Y852 4,772,649 43,975 SH SOLE 0 0 43,975
SPDR Nuveen BLMG HG YL MP BND ETF ETF 78464A284 4,513,433 182,140 SH SOLE 0 0 182,140
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 3,621,902 24,551 SH SOLE 0 0 24,551
iShares Expanded Tech Sector ETF ETF 464287549 3,418,658 30,431 SH SOLE 0 0 30,431
Vanguard S&P 500 ETF ETF 922908363 3,368,470 5,930 SH SOLE 0 0 5,930
iShares Core MSCI EAFE ETF ETF 46432F842 3,234,599 38,746 SH SOLE 0 0 38,746
SPDR S&P Aerospace & Defense ETF ETF 78464A631 3,097,306 14,683 SH SOLE 0 0 14,683
Invesco S&P 500 Equal Weight ETF ETF 46137V357 2,922,142 16,078 SH SOLE 0 0 16,078
iShares Inc MSCI Japan ETF ETF 46434G822 2,570,504 34,287 SH SOLE 0 0 34,287
Vanguard Russell 2000 Growth ETF ETF 92206C623 2,550,630 12,235 SH SOLE 0 0 12,235
Schwab Long Term US Treasury ETF ETF 808524680 2,243,496 70,351 SH SOLE 0 0 70,351
Nvidia Corp Common Stock 67066G104 2,238,179 14,166 SH SOLE 0 0 14,166
iShares MSCI Glo Gold Miners ETF ETF 46434G855 2,052,935 46,892 SH SOLE 0 0 46,892
Vanguard Mid Cap ETF ETF 922908629 1,975,753 7,060 SH SOLE 0 0 7,060
Invsc QQQ Trust SRS 1 ETF ETF 46090E103 1,723,875 3,125 SH SOLE 0 0 3,125
Schwab Intermediate Term US TRS ETF ETF 808524854 1,650,670 65,947 SH SOLE 0 0 65,947
Vanguard Dividend Appreciation ETF ETF 921908844 1,418,140 6,928 SH SOLE 0 0 6,928
Microsoft Corp Common Stock 594918104 992,221 1,994 SH SOLE 0 0 1,994
iShares California Muni Bond ETF ETF 464288356 953,488 17,106 SH SOLE 0 0 17,106
Apple Inc Common Stock 037833100 945,432 4,608 SH SOLE 0 0 4,608
Vanguard Total Bond Market ETF ETF 921937835 881,277 11,969 SH SOLE 0 0 11,969
Grayscale Bitcoin TR BTC Fund 389637109 860,770 10,147 SH SOLE 0 0 10,147
SPDR S&P 500 ETF ETF 78462F103 793,798 1,284 SH SOLE 0 0 1,284
Tesla Inc Common Stock 88160R101 728,076 2,292 SH SOLE 0 0 2,292
Alphabet Inc Class C Common Stock 02079K107 645,699 3,640 SH SOLE 0 0 3,640
SPDR Blackstone Senior Loan ETF ETF 78467V608 564,251 13,567 SH SOLE 0 0 13,567
Energy Select Sector SPDR ETF ETF 81369Y506 554,318 6,536 SH SOLE 0 0 6,536
Vanguard High Dividend Yield ETF ETF 921946406 512,976 3,848 SH SOLE 0 0 3,848
SPDR S&P Midcap 400 ETF ETF 78467Y107 480,375 848 SH SOLE 0 0 848
Shopify Inc F Class A Common Stock 82509L107 408,339 3,540 SH SOLE 0 0 3,540
Charles Schwab US REIT ETF ETF 808524847 344,654 16,288 SH SOLE 0 0 16,288
Amazon.Com Inc Common Stock 023135106 312,411 1,424 SH SOLE 0 0 1,424
iShares MSCI EAFE ETF ETF 464287465 304,270 3,403 SH SOLE 0 0 3,403
SPDR Gold Shares ETF ETF 78463V107 304,220 998 SH SOLE 0 0 998
Meta Platforms Inc Common Stock 30303M102 290,807 394 SH SOLE 0 0 394
iShares New York Muni Bond ETF ETF 464288323 272,475 5,225 SH SOLE 0 0 5,225
iShares Broad Usd HG YLD CRP BND ETF ETF 46435U853 271,122 7,228 SH SOLE 0 0 7,228
Broadcom Inc Common Stock 11135F101 229,109 831 SH SOLE 0 0 831
Schwab US Aggregate Bond ETF ETF 808524839 204,651 8,806 SH SOLE 0 0 8,806
Innovator US Equity Power Buffer ETF ETF 45782C318 177,491 4,697 SH SOLE 0 0 4,697
SPDR Nuveen Blombg MNPL BND ETF ETF 78468R721 144,730 3,240 SH SOLE 0 0 3,240
Cloudflare Inc Class A Common Stock 18915M107 110,252 563 SH SOLE 0 0 563
ISHARES MBS ETF ETF 464288588 102,809 1,094 SH SOLE 0 0 1,094
Grayscale Bitcoin Mini Trust ETF ETF 389930207 96,884 2,029 SH SOLE 0 0 2,029
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 92,147 424 SH SOLE 0 0 424
JPMorgan Ultra Short Income ETF ETF 46641Q837 91,578 1,807 SH SOLE 0 0 1,807
Netflix Inc Common Stock 64110L106 80,347 60 SH SOLE 0 0 60
Prologis Inc. REIT Not SEC Eligible 74340W103 78,602 747 SH SOLE 0 0 747
Xometry Inc Class A Common Stock 98423F109 76,669 2,269 SH SOLE 0 0 2,269
Taiwan Semiconductr F Sponsored ADR Common Stock 874039100 75,647 334 SH SOLE 0 0 334
Paypal Holdings Incorpor Common Stock 70450Y103 67,779 912 SH SOLE 0 0 912
Advanced Micro Devic Common Stock 007903107 64,422 454 SH SOLE 0 0 454
Vanguard Esg International Stock ETF ETF 921910725 59,146 903 SH SOLE 0 0 903
Vaneck Short Muni ETF ETF 92189F528 57,890 3,354 SH SOLE 0 0 3,354
Nuveen Esg Large Cap Growth ETF ETF 67092P201 57,027 607 SH SOLE 0 0 607
iShares MSCI USA QLTY Fact ETF ETF 46432F339 55,759 304 SH SOLE 0 0 304
Vaneck Gold Miners ETF ETF 92189F106 54,434 1,045 SH SOLE 0 0 1,045
Digital Realty Trust REIT Not SEC Eligible 253868103 54,021 309 SH SOLE 0 0 309
iShares Core US Aggregate Bond ETF ETF 464287226 50,591 509 SH SOLE 0 0 509
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 45,293 381 SH SOLE 0 0 381
Equity Residential REIT Not SEC Eligible 29476L107 44,240 655 SH SOLE 0 0 655
WR Berkley Corp Common Stock 084423102 42,759 582 SH SOLE 0 0 582
Avalonbay CMNTYS Inc REIT Not SEC Eligible 053484101 42,644 209 SH SOLE 0 0 209
Stag Industrial Inc REIT Not SEC Eligible 85254J102 41,678 1,148 SH SOLE 0 0 1,148
Booking Holdings Inc Common Stock 09857L108 40,524 7 SH SOLE 0 0 7
iShares Global Clean Energy ETF ETF 464288224 38,897 2,967 SH SOLE 0 0 2,967
Vanguard Glbal Ex US Real Estate ETF ETF 922042676 36,273 786 SH SOLE 0 0 786
ProShares Ultra S&P 500 ETF ETF 74347R107 32,736 335 SH SOLE 0 0 335
Mastercard Inc Class A Common Stock 57636Q104 31,468 56 SH SOLE 0 0 56
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 31,113 469 SH SOLE 0 0 469
iShares Core Dividend Growth ETF ETF 46434V621 29,540 461 SH SOLE 0 0 461
Roblox Corp Class A Common Stock 771049103 29,456 280 SH SOLE 0 0 280
Kimco Realty Corp REIT Not SEC Eligible 49446R109 29,270 1,392 SH SOLE 0 0 1,392
Vaneck Morningstar Wide Moat ETF ETF 92189F643 28,324 302 SH SOLE 0 0 302
Berkshire Hathaway Class B Common Stock 084670702 28,174 58 SH SOLE 0 0 58
ISHARES TR BARCLAYS 1-3YR CR Bonds 464288646 27,472 520,705 PRN SOLE 0 0 520
Vanguard Esg U.S. Stock ETF ETF 921910733 26,971 246 SH SOLE 0 0 246
Visa Inc Common Stock 92826C839 26,273 74 SH SOLE 0 0 74
First Trust Internet Index CF ETF ETF 33733E302 26,125 97 SH SOLE 0 0 97
Realty Income Corp Disco REIT Not SEC Eligible 756109104 25,911 449 SH SOLE 0 0 449
iShares MSCI Acwi Ex US ETF ETF 464288240 25,228 413 SH SOLE 0 0 413
Invesco Water Resources ETF ETF 46137V142 23,210 332 SH SOLE 0 0 332
Public Storage REIT Not SEC Eligible 74460D109 23,192 79 SH SOLE 0 0 79
NXP Semiconductors NV Common Stock N6596X109 22,722 104 SH SOLE 0 0 104
iShares MSCI World ETF ETF 464286392 21,172 124 SH SOLE 0 0 124
iShares Esg Aware MSCI USA ETF IV ETF 46435G425 20,159 149 SH SOLE 0 0 149
iShares U.S. Healthcare ETF ETF 464287762 19,598 347 SH SOLE 0 0 347
Coinbase Global Inc Class A Common Stock 19260Q107 17,524 50 SH SOLE 0 0 50
Asml Holding NV ADR Common Stock N07059210 16,027 20 SH SOLE 0 0 20
Equitable Holdings Inc Common Stock 29452E101 15,764 281 SH SOLE 0 0 281
Hims & Hers Health Inc Class A Common Stock 433000106 15,702 315 SH SOLE 0 0 315
Essex Property TR REIT Not SEC Eligible 297178105 15,262 53 SH SOLE 0 0 53
PIMCO Active Bond ETF ETF 72201R775 14,933 162 SH SOLE 0 0 162
Fidelity MSCI Infor Tech Indx ETF ETF 316092808 13,896 70 SH SOLE 0 0 70
Weyerhaeuser Co REIT Not SEC Eligible 962166104 13,372 520 SH SOLE 0 0 520
Invesco Solar ETF ETF 46138G706 13,053 381 SH SOLE 0 0 381
Intuitive Surgical Common Stock 46120E602 12,498 23 SH SOLE 0 0 23
Camden Property TR REIT Not SEC Eligible 133131102 12,300 109 SH SOLE 0 0 109
iShares 3-7 Year Treasury Bond ETF ETF 464288661 11,313 95 SH SOLE 0 0 95
LXP Industrial Trust REIT Not SEC Eligible 529043101 11,195 1,355 SH SOLE 0 0 1,355
Alps Alerian MLP ETF ETF 00162Q452 11,042 226 SH SOLE 0 0 226
Gladstone Land Corpo REIT Not SEC Eligible 376549101 10,943 1,076 SH SOLE 0 0 1,076
Go Daddy Group Inc Class A Common Stock 380237107 10,803 60 SH SOLE 0 0 60
Eli Lilly And Co Common Stock 532457108 9,354 12 SH SOLE 0 0 12
iShares US Industrials ETF ETF 464287754 8,680 61 SH SOLE 0 0 61
iShares BRD Usd Inv GRD Corp BD ETF ETF 464288620 8,178 158 SH SOLE 0 0 158
First Trust Nasdaq CYBRSCRTY ETF ETF 33734X846 7,255 96 SH SOLE 0 0 96
iShares U.S. Infrastructure ETF Mutual Fund 46435U713 6,443 131 SH SOLE 0 0 131
Penn Entmt Inc Common Stock 707569109 5,914 331 SH SOLE 0 0 331
Alphabet Inc. Class A Common Stock 02079K305 5,294 30 SH SOLE 0 0 30
Schwab US Large Cap Value ETF ETF 808524409 4,814 174 SH SOLE 0 0 174
iShares Russell Mid Cap ETF ETF 464287499 4,506 49 SH SOLE 0 0 49
First Trust Capital Strength ETF ETF 33733E104 4,090 45 SH SOLE 0 0 45
Trex Co Inc Common Stock 89531P105 3,534 65 SH SOLE 0 0 65
iShares MSCI Eurozone ETF ETF 464286608 3,507 58 SH SOLE 0 0 58
First Trust Smid Cap Rising Divi ETF ETF 33741X102 3,245 92 SH SOLE 0 0 92
Invesco S And P 500 Garp ETF ETF 46137V431 3,231 30 SH SOLE 0 0 30
SPDR S&P Dividend ETF ETF 78464A763 3,121 23 SH SOLE 0 0 23
Vanguard Total International BND ETF ETF 92203J407 3,069 62 SH SOLE 0 0 62
ISHARES 20 PLS YEAR TREASURY BND ETF Bonds 464287432 2,824 32,000 PRN SOLE 0 0 32
Invsc Actvly MNG Optm YD DVRS ETF ETF 46090F100 2,647 203 SH SOLE 0 0 203
First TR Small Cap Valu Alphadex ETF ETF 33737M409 2,521 50 SH SOLE 0 0 50
Vanguard Health Care ETF ETF 92204A504 2,483 10 SH SOLE 0 0 10
PIMCO Enhanced Short Maturity Active Esg ETF ETF 72201R643 2,074 21 SH SOLE 0 0 21
iShares Russell Top 200 Growth ETF ETF 464289438 1,725 6 SH SOLE 0 0 6
iShares Global Consumer Discretionar ETF 464288745 1,693 8 SH SOLE 0 0 8
Vaneck Semiconductor ETF Mutual Fund 92189F676 1,673 6 SH SOLE 0 0 6
iShares National Muni Bond ETF ETF 464288414 1,567 15 SH SOLE 0 0 15
iShares Core High Dividend ETF Mutual Fund 46429B663 1,288 11 SH SOLE 0 0 11
SPDR Euro Stoxx 50 ETF ETF 78463X202 1,075 18 SH SOLE 0 0 18
Snap Inc Class A Common Stock 83304A106 869 100 SH SOLE 0 0 100
Vaneck High Yield Muni ETF ETF 92189H409 853 16 SH SOLE 0 0 16
Cipher MNG Inc Common Stock 17253J106 793 166 SH SOLE 0 0 166
Vaneck Long Muni ETF ETF 92189F536 743 43 SH SOLE 0 0 43
Walt Disney Co Common Stock 254687106 623 5 SH SOLE 0 0 5
iShares Global Healthcare ETF ETF 464287325 258 2 SH SOLE 0 0 2
iShares GNMA Bond ETF ETF 46429B333 219 4 SH SOLE 0 0 4
iShares Esg Aware MSCI EAFE ETF ETF 46435G516 178 2 SH SOLE 0 0 2
Gamestop Corp Class A Common Stock 36467W109 97 4 SH SOLE 0 0 4
iShares Global Tech ETF ETF 464287291 92 1 SH SOLE 0 0 1
Intel Corp Common Stock 458140100 89 4 SH SOLE 0 0 4
Trinseo PLC Common Stock G9059U107 62 20 SH SOLE 0 0 20