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
ABBVIE INC COM 00287Y109 379,537 1,910 SH SOLE 0 0 1,910
ALPHABET INC CAP STK CL A 02079K305 236,259 686 SH SOLE 0 0 686
ALPHABET INC CAP STK CL C 02079K107 2,981,265 8,709 SH SOLE 0 0 8,709
AMAZON COM INC COM 023135106 434,792 1,647 SH SOLE 0 0 1,647
APPLE INC COM 037833100 9,071,023 33,465 SH SOLE 0 0 33,465
BP PLC SPONSORED ADR 055622104 235,875 5,100 SH SOLE 0 0 5,100
BROADCOM INC COM 11135F101 2,068,142 4,892 SH SOLE 0 0 4,892
CITIGROUP INC COM NEW 172967424 319,950 2,500 SH SOLE 0 0 2,500
EBAY INC. COM 278642103 216,448 2,210 SH SOLE 0 0 2,210
FATE THERAPEUTICS INC COM 31189P102 35,187 26,456 SH SOLE 0 0 26,456
FLAGSTAR BANK NATIONAL ASSOC COM NEW 649445400 220,271 15,700 SH SOLE 0 0 15,700
ISHARES INC MSCI JAPAN ETF 46434G822 8,257,853 94,570 SH SOLE 0 0 94,570
ISHARES TR 20 YR TR BD ETF 464287432 10,685,967 123,238 SH SOLE 0 0 123,238
ISHARES TR CORE 1 5 YR USD 46432F859 31,733,135 653,483 SH SOLE 0 0 653,483
ISHARES TR CORE MSCI EAFE 46432F842 666,624 7,023 SH SOLE 0 0 7,023
ISHARES TR EUROPE ETF 464287861 5,940,067 82,985 SH SOLE 0 0 82,985
ISHARES TR MSCI AC ASIA ETF 464288182 2,492,359 22,851 SH SOLE 0 0 22,851
ISHARES TR U.S. TECH ETF 464287721 597,870 2,753 SH SOLE 0 0 2,753
META PLATFORMS INC CL A 30303M102 508,298 753 SH SOLE 0 0 753
MICROSOFT CORP COM 594918104 568,142 1,338 SH SOLE 0 0 1,338
NVIDIA CORPORATION COM 67066G104 2,894,120 13,896 SH SOLE 0 0 13,896
PATTERSON-UTI ENERGY INC COM 703481101 227,733 20,100 SH SOLE 0 0 20,100
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 272,018 9,870 SH SOLE 0 0 9,870
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 34,149,016 1,213,540 SH SOLE 0 0 1,213,540
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 314,340 9,753 SH SOLE 0 0 9,753
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 3,454,697 23,961 SH SOLE 0 0 23,961
VANGUARD BD INDEX FDS INTERMED TERM 921937819 30,070,393 388,406 SH SOLE 0 0 388,406
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,238,367 17,911 SH SOLE 0 0 17,911
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,689,491 104,109 SH SOLE 0 0 104,109
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,315,828 172,635 SH SOLE 0 0 172,635
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 227,677 1,182 SH SOLE 0 0 1,182
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 251,190 4,256 SH SOLE 0 0 4,256
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 24,332,565 279,524 SH SOLE 0 0 279,524
VANGUARD WORLD FD INF TECH ETF 92204A702 9,461,895 90,840 SH SOLE 0 0 90,840