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
ADOBE INC COM 00724F101 228,259 590 SH SOLE 0 0 590
AIRBNB INC COM CL A 009066101 3,613,544 27,305 SH SOLE 0 0 27,305
ALPHABET INC CAP STK CL C 02079K107 1,292,286 7,285 SH SOLE 0 0 7,285
ALPHABET INC CAP STK CL A 02079K305 304,702 1,729 SH SOLE 0 0 1,729
ALTRIA GROUP INC COM 02209S103 201,335 3,434 SH SOLE 0 0 3,434
AMAZON COM INC COM 023135106 2,213,864 10,091 SH SOLE 0 0 10,091
AMERICAN TOWER CORP NEW COM 03027X100 294,620 1,333 SH SOLE 0 0 1,333
APPLE INC COM 037833100 9,911,558 48,309 SH SOLE 0 0 48,309
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 823,380 1,695 SH SOLE 0 0 1,695
BLOCK INC CL A 852234103 2,639,081 38,850 SH SOLE 0 0 38,850
BROADCOM INC COM 11135F101 694,638 2,520 SH SOLE 0 0 2,520
CISCO SYS INC COM 17275R102 263,783 3,802 SH SOLE 0 0 3,802
CITIGROUP INC COM NEW 172967424 261,914 3,077 SH SOLE 0 0 3,077
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 1,162,231 27,437 SH SOLE 0 0 27,437
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,896,746 65,518 SH SOLE 0 0 65,518
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 2,114,481 31,550 SH SOLE 0 0 31,550
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 419,629 17,887 SH SOLE 0 0 17,887
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 752,891 21,007 SH SOLE 0 0 21,007
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 298,992 5,541 SH SOLE 0 0 5,541
DISNEY WALT CO COM 254687106 280,263 2,260 SH SOLE 0 0 2,260
EQUIFAX INC COM 294429105 205,162 791 SH SOLE 0 0 791
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 4,942,735 76,265 SH SOLE 0 0 76,265
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 4,676,292 63,159 SH SOLE 0 0 63,159
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 3,968,531 42,187 SH SOLE 0 0 42,187
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 1,742,527 34,067 SH SOLE 0 0 34,067
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 2,529,106 107,851 SH SOLE 0 0 107,851
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 5,136,912 80,327 SH SOLE 0 0 80,327
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 5,393,297 69,564 SH SOLE 0 0 69,564
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 11,838,525 60,027 SH SOLE 0 0 60,027
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 1,110,854 22,275 SH SOLE 0 0 22,275
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 2,189,054 41,617 SH SOLE 0 0 41,617
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 2,231,494 92,670 SH SOLE 0 0 92,670
GE AEROSPACE COM NEW 369604301 201,022 781 SH SOLE 0 0 781
INTERCONTINENTAL EXCHANGE IN COM 45866F104 223,833 1,220 SH SOLE 0 0 1,220
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 456,918 4,200 SH SOLE 0 0 4,200
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 250,528 5,418 SH SOLE 0 0 5,418
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 166,953 10,100 SH SOLE 0 0 10,100
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 275,591 13,450 SH SOLE 0 0 13,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 247,904 12,700 SH SOLE 0 0 12,700
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609 1,233,898 32,250 SH SOLE 0 0 32,250
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 922,806 30,791 SH SOLE 0 0 30,791
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 3,210,171 42,176 SH SOLE 0 0 42,176
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 6,190,567 151,804 SH SOLE 0 0 151,804
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 1,726,718 32,451 SH SOLE 0 0 32,451
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 1,943,242 66,595 SH SOLE 0 0 66,595
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 3,303,739 78,158 SH SOLE 0 0 78,158
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 297,686 9,185 SH SOLE 0 0 9,185
INVESCO QQQ TR UNIT SER 1 46090E103 209,072 379 SH SOLE 0 0 379
ISHARES TR IBONDS 26 TRM TS 46436E858 422,623 18,431 SH SOLE 0 0 18,431
ISHARES TR MSCI USA QLT FCT 46432F339 8,143,027 44,730 SH SOLE 0 0 44,730
ISHARES TR TRS FLT RT BD 46434V860 3,270,268 64,566 SH SOLE 0 0 64,566
ISHARES TR IBONDS OCT 2031 46438G877 2,824,918 107,045 SH SOLE 0 0 107,045
ISHARES TR IBONDS DEC 2031 46436E460 4,192,066 204,491 SH SOLE 0 0 204,491
ISHARES TR 7-10 YR TRSY BD 464287440 344,574 3,615 SH SOLE 0 0 3,615
ISHARES TR IBONDS 28 TRM TS 46436E833 245,289 10,970 SH SOLE 0 0 10,970
ISHARES TR RUS TP200 GR ETF 464289438 594,336 2,411 SH SOLE 0 0 2,411
ISHARES TR RUS TP200 VL ETF 464289420 314,955 3,741 SH SOLE 0 0 3,741
ISHARES TR MSCI INTL QUALTY 46434V456 1,389,350 32,146 SH SOLE 0 0 32,146
ISHARES TR 20 YR TR BD ETF 464287432 2,626,144 29,758 SH SOLE 0 0 29,758
ISHARES TR FALN ANGLS USD 46435G474 747,598 27,546 SH SOLE 0 0 27,546
ISHARES TR IBONDS DEC 2031 46436E486 496,544 23,600 SH SOLE 0 0 23,600
ISHARES TR DOW JONES US ETF 464287846 330,414 2,190 SH SOLE 0 0 2,190
ISHARES TR IBONDS DEC 2032 46436E296 1,204,054 52,282 SH SOLE 0 0 52,282
ISHARES TR IBONDS DEC 29 46436E205 227,817 9,765 SH SOLE 0 0 9,765
ISHARES TR IBOND DEC 2030 46436E593 799,592 40,302 SH SOLE 0 0 40,302
ISHARES TR IBONDS 27 ETF 46435UAA9 230,565 9,500 SH SOLE 0 0 9,500
ISHARES TR IBONDS DEC2026 46435GAA0 298,275 12,300 SH SOLE 0 0 12,300
ISHARES TR IBONDS DEC 2030 46436E726 316,512 14,400 SH SOLE 0 0 14,400
ISHARES TR IBONDS OCT 2032 46438G869 224,374 8,600 SH SOLE 0 0 8,600
JPMORGAN CHASE & CO. COM 46625H100 439,793 1,517 SH SOLE 0 0 1,517
MASTERCARD INCORPORATED CL A 57636Q104 338,850 603 SH SOLE 0 0 603
META PLATFORMS INC CL A 30303M102 1,236,301 1,675 SH SOLE 0 0 1,675
MICROSOFT CORP COM 594918104 1,893,142 3,806 SH SOLE 0 0 3,806
NETFLIX INC COM 64110L106 253,096 189 SH SOLE 0 0 189
NVIDIA CORPORATION COM 67066G104 1,498,377 9,484 SH SOLE 0 0 9,484
PALANTIR TECHNOLOGIES INC CL A 69608A108 960,374 7,045 SH SOLE 0 0 7,045
PIMCO ETF TR 15+ YR US TIPS 72201R304 5,451,843 103,904 SH SOLE 0 0 103,904
PROCTER AND GAMBLE CO COM 742718109 270,685 1,699 SH SOLE 0 0 1,699
PROLOGIS INC. COM 74340W103 209,820 1,996 SH SOLE 0 0 1,996
PUBLIC STORAGE OPER CO COM 74460D109 252,341 860 SH SOLE 0 0 860
REALTY INCOME CORP COM 756109104 277,392 4,815 SH SOLE 0 0 4,815
SALESFORCE INC COM 79466L302 356,406 1,307 SH SOLE 0 0 1,307
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 2,202,698 76,883 SH SOLE 0 0 76,883
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,661,751 67,716 SH SOLE 0 0 67,716
SCHWAB STRATEGIC TR US REIT ETF 808524847 617,068 29,162 SH SOLE 0 0 29,162
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 469,280 11,180 SH SOLE 0 0 11,180
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 1,752,147 73,067 SH SOLE 0 0 73,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,061,352 40,051 SH SOLE 0 0 40,051
SCHWAB STRATEGIC TR US TIPS ETF 808524870 490,912 18,400 SH SOLE 0 0 18,400
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,731,597 14,736 SH SOLE 0 0 14,736
SERVICENOW INC COM 81762P102 267,301 260 SH SOLE 0 0 260
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 579,007 14,300 SH SOLE 0 0 14,300
TESLA INC COM 88160R101 422,170 1,329 SH SOLE 0 0 1,329
VANGUARD INDEX FDS GROWTH ETF 922908736 9,104,622 20,795 SH SOLE 0 0 20,795
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 478,085 2,907 SH SOLE 0 0 2,907
VANGUARD INDEX FDS SM CP VAL ETF 922908611 276,329 1,417 SH SOLE 0 0 1,417
VANGUARD INDEX FDS VALUE ETF 922908744 568,749 3,218 SH SOLE 0 0 3,218
VANGUARD INDEX FDS LARGE CAP ETF 922908637 467,036 1,637 SH SOLE 0 0 1,637
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,467,537 11,409 SH SOLE 0 0 11,409
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,712,461 68,929 SH SOLE 0 0 68,929
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,156,509 39,852 SH SOLE 0 0 39,852
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 846,085 14,841 SH SOLE 0 0 14,841
VANGUARD WORLD FD COMM SRVC ETF 92204A884 380,713 2,226 SH SOLE 0 0 2,226
VANGUARD WORLD FD ENERGY ETF 92204A306 327,461 2,749 SH SOLE 0 0 2,749
VANGUARD WORLD FD MATERIALS ETF 92204A801 414,598 2,128 SH SOLE 0 0 2,128
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 609,426 2,454 SH SOLE 0 0 2,454
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 717,394 1,980 SH SOLE 0 0 1,980
VANGUARD WORLD FD INF TECH ETF 92204A702 378,733 571 SH SOLE 0 0 571
VERIZON COMMUNICATIONS INC COM 92343V104 259,880 6,006 SH SOLE 0 0 6,006
VISA INC COM CL A 92826C839 569,855 1,605 SH SOLE 0 0 1,605
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,985,713 57,736 SH SOLE 0 0 57,736
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 4,717,815 93,775 SH SOLE 0 0 93,775