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
ABBOTT LABORATORIES COM 002824100 816,124 7,949 SH SOLE 0 0 7,949
ABBVIE INC COM 00287Y109 646,397 2,972 SH SOLE 0 0 2,972
ALPHABET INC CAP STK CL C 02079K107 410,636 1,431 SH SOLE 0 0 1,431
AMBEV SA SPONSORED ADR 02319V103 108,904 37,296 SH SOLE 0 0 37,296
AMERICAN EXPRESS CO COM 025816109 206,959 684 SH SOLE 0 0 684
ANALOG DEVICES INC COM 032654105 201,383 633 SH SOLE 0 0 633
APPLE INC COM 037833100 1,546,123 6,091 SH SOLE 0 0 6,091
BANK AMERICA CORP COM 060505104 283,905 5,822 SH SOLE 0 0 5,822
BECTON DICKINSON & CO COM 075887109 1,056,266 6,717 SH SOLE 0 0 6,717
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,341,760 2,800 SH SOLE 0 0 2,800
BLACKROCK INC COM 09290D101 242,352 252 SH SOLE 0 0 252
BRISTOL-MYERS SQUIBB CO COM 110122108 285,723 4,711 SH SOLE 0 0 4,711
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 591,114 17,713 SH SOLE 0 0 17,713
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201 217,200 8,000 SH SOLE 0 0 8,000
CAPITAL ONE FINL CORP COM 14040H105 458,994 2,516 SH SOLE 0 0 2,516
CHEVRON CORPORATION COM 166764100 664,094 3,209 SH SOLE 0 0 3,209
CHUBB LTD SWITZ COM H1467J104 410,346 1,259 SH SOLE 0 0 1,259
CISCO SYS INC COM 17275R102 312,067 4,022 SH SOLE 0 0 4,022
CLOROX CO DEL COM 189054109 593,077 5,723 SH SOLE 0 0 5,723
COHEN & STEERS QUALITY INCOM COM 19247L106 158,760 13,175 SH SOLE 0 0 13,175
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 754,707 21,093 SH SOLE 0 0 21,093
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 4,612,572 116,949 SH SOLE 0 0 116,949
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 840,891 13,465 SH SOLE 0 0 13,465
DUKE ENERGY CORP NEW COM NEW 26441C204 216,706 1,655 SH SOLE 0 0 1,655
ELEVANCE HEALTH INC FORMERLY COM 036752103 432,392 1,477 SH SOLE 0 0 1,477
EXXON MOBIL CORP COM 30231G102 656,754 3,871 SH SOLE 0 0 3,871
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 319,325 4,538 SH SOLE 0 0 4,538
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 660,654 26,650 SH SOLE 0 0 26,650
GE AEROSPACE COM NEW 369604301 353,861 1,247 SH SOLE 0 0 1,247
HOME DEPOT INC COM 437076102 696,919 2,119 SH SOLE 0 0 2,119
ILLINOIS TOOL WKS INC COM 452308109 210,835 810 SH SOLE 0 0 810
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 350,999 4,799 SH SOLE 0 0 4,799
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 4,297,199 179,197 SH SOLE 0 0 179,197
INVESCO QQQ TR UNIT SER 1 46090E103 1,194,245 2,067 SH SOLE 0 0 2,067
INVESTMENT MANAGERS SER TR I FPA GBL EQTY ETF 30254T577 407,461 11,231 SH SOLE 0 0 11,231
ISHARES INC MSCI EMERG MRKT 464286533 2,338,178 36,120 SH SOLE 0 0 36,120
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,147,981 11,098 SH SOLE 0 0 11,098
ISHARES TR CORE MSCI TOTAL 46432F834 466,729 5,387 SH SOLE 0 0 5,387
ISHARES TR CORE S&P SCP ETF 464287804 325,132 2,615 SH SOLE 0 0 2,615
ISHARES TR CORE S&P US VLU 464287663 433,642 4,241 SH SOLE 0 0 4,241
ISHARES TR GLOB HLTHCRE ETF 464287325 358,004 3,827 SH SOLE 0 0 3,827
ISHARES TR INTL DIV GRWTH 46435G524 3,187,032 38,045 SH SOLE 0 0 38,045
ISHARES TR ISHS 1-5YR INVS 464288646 701,054 13,338 SH SOLE 0 0 13,338
ISHARES TR MORNINGSTAR GRWT 464287119 286,440 3,000 SH SOLE 0 0 3,000
ISHARES TR MSCI INTL VLU FT 46435G409 6,472,305 163,109 SH SOLE 0 0 163,109
ISHARES TR RUS 1000 GRW ETF 464287614 314,682 738 SH SOLE 0 0 738
ISHARES TR S&P 500 GRWT ETF 464287309 545,530 4,820 SH SOLE 0 0 4,820
ISHARES TR SELECT DIVID ETF 464287168 351,119 2,319 SH SOLE 0 0 2,319
ISHARES TR SELECT US REIT 464287564 204,670 3,307 SH SOLE 0 0 3,307
JOHNSON & JOHNSON COM 478160104 641,182 2,623 SH SOLE 0 0 2,623
JPMORGAN CHASE & CO COM 46625H100 787,013 2,675 SH SOLE 0 0 2,675
LOCKHEED MARTIN CORP COM 539830109 245,382 406 SH SOLE 0 0 406
MERCK & CO INC COM 58933Y105 204,253 1,698 SH SOLE 0 0 1,698
MICROSOFT CORP COM 594918104 1,058,847 2,860 SH SOLE 0 0 2,860
NEXTERA ENERGY INC COM 65339F101 720,378 7,756 SH SOLE 0 0 7,756
NVIDIA CORPORATION COM 67066G104 471,404 2,703 SH SOLE 0 0 2,703
OCCIDENTAL PETE CORP COM 674599105 223,600 3,440 SH SOLE 0 0 3,440
PEPSICO INC COM 713448108 240,872 1,551 SH SOLE 0 0 1,551
PFIZER INC COM 717081103 2,463,290 87,722 SH SOLE 0 0 87,722
PNC FINL SVCS GROUP INC COM 693475105 264,275 1,270 SH SOLE 0 0 1,270
QUALCOMM INC COM 747525103 363,932 2,826 SH SOLE 0 0 2,826
RTX CORPORATION COM 75513E101 701,963 3,639 SH SOLE 0 0 3,639
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,875,263 158,906 SH SOLE 0 0 158,906
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 210,491 3,434 SH SOLE 0 0 3,434
SOUTHERN CO COM 842587107 637,691 6,606 SH SOLE 0 0 6,606
SPDR SERIES TRUST STATE STREET SPD 78464A763 2,528,122 17,323 SH SOLE 0 0 17,323
SPDR SERIES TRUST STATE STRET SPDR 78468R861 1,957,167 101,987 SH SOLE 0 0 101,987
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 310,229 503 SH SOLE 0 0 503
UNION PAC CORP COM 907818108 495,682 2,043 SH SOLE 0 0 2,043
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,753,678 47,871 SH SOLE 0 0 47,871
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 223,077 2,251 SH SOLE 0 0 2,251
VANGUARD INDEX FDS MID CAP ETF 922908629 481,028 1,675 SH SOLE 0 0 1,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,476,848 7,719 SH SOLE 0 0 7,719
VANGUARD INDEX FDS VALUE ETF 922908744 1,149,708 5,858 SH SOLE 0 0 5,858
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 249,279 4,612 SH SOLE 0 0 4,612
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,312,134 146,386 SH SOLE 0 0 146,386
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,726,528 21,778 SH SOLE 0 0 21,778
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,423,968 15,921 SH SOLE 0 0 15,921
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,422,912 44,390 SH SOLE 0 0 44,390
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 725,855 8,205 SH SOLE 0 0 8,205
VERIZON COMMUNICATIONS INC COM 92343V104 533,272 10,622 SH SOLE 0 0 10,622
WISDOMTREE TR EMER MKT HIGH FD 97717W315 3,020,559 60,787 SH SOLE 0 0 60,787