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
ALPHABET INC CAP STK CL A 02079K305 341,185 1,936 SH SOLE 0 0 1,936
ALPHABET INC CAP STK CL C 02079K107 237,904 1,341 SH SOLE 0 0 1,341
AMAZON COM INC COM 023135106 877,341 3,999 SH SOLE 0 0 3,999
AMGEN INC COM 031162100 287,101 1,028 SH SOLE 0 0 1,028
APPLE INC COM 037833100 3,772,812 18,389 SH SOLE 0 0 18,389
AXON ENTERPRISE INC COM 05464C101 298,059 360 SH SOLE 0 0 360
BOEING CO COM 097023105 387,212 1,848 SH SOLE 0 0 1,848
BRISTOL-MYERS SQUIBB CO COM 110122108 319,401 6,900 SH SOLE 0 0 6,900
BROADCOM INC COM 11135F101 390,045 1,415 SH SOLE 0 0 1,415
CATERPILLAR INC COM 149123101 1,611,072 4,150 SH SOLE 0 0 4,150
COSTCO WHSL CORP NEW COM 22160K105 2,227,369 2,250 SH SOLE 0 0 2,250
CVS HEALTH CORP COM 126650100 356,088 5,162 SH SOLE 0 0 5,162
DISNEY WALT CO COM 254687106 496,078 4,000 SH SOLE 0 0 4,000
EXXON MOBIL CORP COM 30231G102 1,016,668 9,431 SH SOLE 0 0 9,431
FEDEX CORP COM 31428X106 238,221 1,048 SH SOLE 0 0 1,048
GE AEROSPACE COM NEW 369604301 332,835 1,293 SH SOLE 0 0 1,293
GILEAD SCIENCES INC COM 375558103 221,740 2,000 SH SOLE 0 0 2,000
HOME DEPOT INC COM 437076102 490,198 1,337 SH SOLE 0 0 1,337
INTERNATIONAL BUSINESS MACHS COM 459200101 530,604 1,800 SH SOLE 0 0 1,800
INVESCO QQQ TR UNIT SER 1 46090E103 1,853,343 3,360 SH SOLE 0 0 3,360
ISHARES INC CORE MSCI EMKT 46434G103 365,226 6,084 SH SOLE 0 0 6,084
ISHARES INC MSCI EMRG CHN 46434G764 3,449,757 54,637 SH SOLE 0 0 54,637
ISHARES TR CORE MSCI EAFE 46432F842 2,436,693 29,189 SH SOLE 0 0 29,189
ISHARES TR CORE MSCI PAC 46434V696 2,593,734 37,754 SH SOLE 0 0 37,754
ISHARES TR CORE S&P MCP ETF 464287507 210,757 3,398 SH SOLE 0 0 3,398
ISHARES TR CORE S&P US GWT 464287671 1,042,940 6,934 SH SOLE 0 0 6,934
ISHARES TR CORE S&P US VLU 464287663 3,118,412 32,954 SH SOLE 0 0 32,954
ISHARES TR CORE S&P500 ETF 464287200 2,309,044 3,719 SH SOLE 0 0 3,719
ISHARES TR HDG MSCI EAFE 46434V803 15,347,952 404,319 SH SOLE 0 0 404,319
ISHARES TR IBONDS 26 TRM TS 46436E858 17,907,931 780,983 SH SOLE 0 0 780,983
ISHARES TR IBONDS 27 TRM TS 46436E841 16,719,315 743,411 SH SOLE 0 0 743,411
ISHARES TR IBONDS 28 TRM TS 46436E833 16,770,357 750,016 SH SOLE 0 0 750,016
ISHARES TR IBONDS 29 TRM TS 46436E825 15,134,621 690,448 SH SOLE 0 0 690,448
ISHARES TR MSCI EAFE ETF 464287465 2,234,326 24,995 SH SOLE 0 0 24,995
ISHARES TR RUS 1000 ETF 464287622 1,094,216 3,222 SH SOLE 0 0 3,222
ISHARES TR RUS MID CAP ETF 464287499 2,432,583 26,450 SH SOLE 0 0 26,450
ISHARES TR RUSSELL 2000 ETF 464287655 358,485 1,661 SH SOLE 0 0 1,661
ISHARES TR S&P 500 VAL ETF 464287408 357,252 1,828 SH SOLE 0 0 1,828
ISHARES TR S&P MC 400GR ETF 464287606 7,426,513 81,628 SH SOLE 0 0 81,628
ISHARES TR US SML CAP EQT 46434V290 8,932,048 131,450 SH SOLE 0 0 131,450
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 5,539,960 84,580 SH SOLE 0 0 84,580
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 2,301,236 36,773 SH SOLE 0 0 36,773
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 868,902 18,023 SH SOLE 0 0 18,023
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 11,436,746 225,355 SH SOLE 0 0 225,355
JPMORGAN CHASE & CO. COM 46625H100 506,505 1,747 SH SOLE 0 0 1,747
META PLATFORMS INC CL A 30303M102 407,762 552 SH SOLE 0 0 552
MICROSOFT CORP COM 594918104 3,083,797 6,200 SH SOLE 0 0 6,200
NEWSMAX INC COM SHS CLASS B 65250K105 1,630,122 107,741 SH SOLE 0 0 107,741
NVIDIA CORPORATION COM 67066G104 2,641,788 16,721 SH SOLE 0 0 16,721
ORACLE CORP COM 68389X105 2,317,453 10,600 SH SOLE 0 0 10,600
PIMCO ETF TR ACTIVE BD ETF 72201R775 6,276,395 68,088 SH SOLE 0 0 68,088
PROCTER AND GAMBLE CO COM 742718109 296,495 1,861 SH SOLE 0 0 1,861
SCHWAB CHARLES CORP COM 808513105 357,242 3,915 SH SOLE 0 0 3,915
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,920,481 810,881 SH SOLE 0 0 810,881
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 703,527 29,523 SH SOLE 0 0 29,523
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 31,535,853 1,079,625 SH SOLE 0 0 1,079,625
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 18,312,617 661,822 SH SOLE 0 0 661,822
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,759,119 194,727 SH SOLE 0 0 194,727
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 18,260,928 651,013 SH SOLE 0 0 651,013
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,061,496 81,482 SH SOLE 0 0 81,482
SPDR SERIES TRUST STATE STREET SPD 78464A847 214,965 3,953 SH SOLE 0 0 3,953
SPDR SERIES TRUST STATE STREET SPD 78464A821 255,574 2,942 SH SOLE 0 0 2,942
SSGA ACTIVE ETF TR STATE STREET DOU 78467V848 15,962,230 397,961 SH SOLE 0 0 397,961
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 245,742 1,085 SH SOLE 0 0 1,085
TESLA INC COM 88160R101 499,044 1,571 SH SOLE 0 0 1,571
TEXAS INSTRS INC COM 882508104 353,207 1,701 SH SOLE 0 0 1,701
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 2,455,995 83,880 SH SOLE 0 0 83,880
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 284,286 3,861 SH SOLE 0 0 3,861
VANGUARD INDEX FDS GROWTH ETF 922908736 536,914 1,225 SH SOLE 0 0 1,225
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,932,889 13,966 SH SOLE 0 0 13,966
VANGUARD INDEX FDS SMALL CP ETF 922908751 624,017 2,633 SH SOLE 0 0 2,633
VANGUARD INDEX FDS VALUE ETF 922908744 327,807 1,855 SH SOLE 0 0 1,855
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 564,228 9,897 SH SOLE 0 0 9,897
VERIZON COMMUNICATIONS INC COM 92343V104 861,333 19,906 SH SOLE 0 0 19,906
WALMART INC COM 931142103 285,194 2,917 SH SOLE 0 0 2,917
WELLS FARGO CO NEW COM 949746101 280,100 3,496 SH SOLE 0 0 3,496