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
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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
BNY MELLON ETF TRUST ULTRA SHORT INCM 09661T859 1,893,025 38,024 SH SOLE 38,024 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 8,366,597 236,545 SH SOLE 236,545 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,965,648 28,673 SH SOLE 28,673 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 6,536,929 64,902 SH SOLE 64,902 0 0
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 4,254,174 129,110 SH SOLE 129,110 0 0
ISHARES TR CORE INTL AGGR 46435G672 4,636,056 92,647 SH SOLE 92,647 0 0
ISHARES INC CORE MSCI EMKT 46434G103 13,310,133 190,826 SH SOLE 190,826 0 0
ISHARES TR CORE S&P500 ETF 464287200 35,650,712 54,578 SH SOLE 54,578 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 22,694,406 491,327 SH SOLE 491,327 0 0
ISHARES GOLD TR ISHARES NEW 464285204 4,721,585 53,557 SH SOLE 53,557 0 0
ISHARES TR MBS ETF 464288588 7,157,917 75,386 SH SOLE 75,386 0 0
ISHARES TR EAFE VALUE ETF 464288877 15,948,801 214,510 SH SOLE 214,510 0 0
ISHARES TR MSCI USA MMENTM 46432F396 8,269,377 34,457 SH SOLE 34,457 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 15,935,655 83,080 SH SOLE 83,080 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 19,798,843 175,041 SH SOLE 175,041 0 0
ISHARES TR S&P 500 VAL ETF 464287408 16,052,300 76,023 SH SOLE 76,023 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 19,913,501 342,274 SH SOLE 342,274 0 0
ISHARES TR U.S. TECH ETF 464287721 4,420,489 24,366 SH SOLE 24,366 0 0
TIDAL TRUST I AMEN CUST SATF 886364710 952,187 14,762 SH SOLE 14,762 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 557,385 12,218 SH SOLE 12,218 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 667,045 1,156 SH SOLE 1,156 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 671,344 1,032 SH SOLE 1,032 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 4,519,008 87,021 SH SOLE 87,021 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,550,827 16,510 SH SOLE 16,510 0 0
ALPHABET INC CAP STK CL C 02079K107 380,982 1,328 SH SOLE 1,328 0 0
AMAZON COM INC COM 023135106 1,432,490 6,878 SH SOLE 6,878 0 0
ISHARES TR EAFE GRWTH ETF 464288885 334,667 3,005 SH SOLE 3,005 0 0
ISHARES TR S&P 100 ETF 464287101 291,133 915 SH SOLE 915 0 0
NVIDIA CORPORATION COM 67066G104 1,622,094 9,301 SH SOLE 9,301 0 0
TESLA INC COM 88160R101 522,447 1,405 SH SOLE 1,405 0 0
ABBVIE INC COM 00287Y109 323,297 1,486 SH SOLE 1,486 0 0
ALPHABET INC CAP STK CL A 02079K305 2,165,902 7,532 SH SOLE 7,532 0 0
AMERICAN EXPRESS CO COM 025816109 954,133 3,154 SH SOLE 3,154 0 0
APPLE INC COM 037833100 3,812,747 15,023 SH SOLE 15,023 0 0
ARCUTIS BIOTHERAPEUTICS INC COM 03969K108 483,993 20,543 SH SOLE 20,543 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,427,058 2,978 SH SOLE 2,978 0 0
BLACKROCK INC COM 09290D101 893,537 929 SH SOLE 929 0 0
BROADCOM INC COM 11135F101 302,391 977 SH SOLE 977 0 0
CARNIVAL CORP COMMON STOCK 143658300 343,373 13,268 SH SOLE 13,268 0 0
CHEVRON CORPORATION COM 166764100 224,280 1,084 SH SOLE 1,084 0 0
CITIZENS FINL GROUP INC COM 174610105 299,130 4,988 SH SOLE 4,988 0 0
COCA COLA CO COM 191216100 1,022,043 13,439 SH SOLE 13,439 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,337,093 1,342 SH SOLE 1,342 0 0
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 381,863 4,068 SH SOLE 4,068 0 0
DELTA AIR LINES INC COM NEW 247361702 1,086,217 16,339 SH SOLE 16,339 0 0
DYCOM INDS INC COM 267475101 223,282 659 SH SOLE 659 0 0
ELI LILLY & CO COM 532457108 3,221,428 3,502 SH SOLE 3,502 0 0
EXXON MOBIL CORP COM 30231G102 519,805 3,064 SH SOLE 3,064 0 0
FEDEX CORP COM 31428X106 1,198,190 3,364 SH SOLE 3,364 0 0
JOHNSON & JOHNSON COM 478160104 289,173 1,183 SH SOLE 1,183 0 0
JPMORGAN CHASE & CO COM 46625H100 1,269,221 4,315 SH SOLE 4,315 0 0
LAM RESEARCH CORP COM NEW 512807306 253,614 1,187 SH SOLE 1,187 0 0
MARRIOTT INTL INC NEW CL A 571903202 1,103,996 3,375 SH SOLE 3,375 0 0
META PLATFORMS INC CL A 30303M102 350,043 612 SH SOLE 612 0 0
MICRON TECHNOLOGY INC COM 595112103 603,382 1,786 SH SOLE 1,786 0 0
MICROSOFT CORP COM 594918104 1,331,615 3,597 SH SOLE 3,597 0 0
NETFLIX INC. COM 64110L106 909,667 9,461 SH SOLE 9,461 0 0
PROCTER & GAMBLE CO COM 742718109 850,763 5,890 SH SOLE 5,890 0 0
SALESFORCE INC COM 79466L302 1,740,511 9,324 SH SOLE 9,324 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,063,409 1,257 SH SOLE 1,257 0 0
HOME DEPOT INC COM 437076102 760,065 2,311 SH SOLE 2,311 0 0
UBER TECHNOLOGIES INC COM 90353T100 332,892 4,628 SH SOLE 4,628 0 0
WALMART INC COM 931142103 1,533,078 12,336 SH SOLE 12,336 0 0
WELLS FARGO & CO COM 949746101 219,316 2,755 SH SOLE 2,755 0 0
ALLSTATE CORP COM 020002101 443,970 2,141 SH SOLE 2,141 0 0
BRINKER INTL INC COM 109641100 353,927 2,479 SH SOLE 2,479 0 0
CELESTICA INC COM 15101Q207 739,692 2,626 SH SOLE 2,626 0 0
COEUR MNG INC COM NEW 192108504 372,172 19,828 SH SOLE 19,828 0 0
COVISTA INC COM 00737L103 376,752 3,269 SH SOLE 3,269 0 0
EZCORP INC CL A NON VTG 302301106 513,640 20,238 SH SOLE 20,238 0 0
KINROSS GOLD CORP COM 496902404 293,847 9,628 SH SOLE 9,628 0 0
MANULIFE FINL CORP COM 56501R106 432,394 12,555 SH SOLE 12,555 0 0
SKYWEST INC COM 830879102 358,872 3,908 SH SOLE 3,908 0 0
SSR MINING IN COM 784730103 549,470 18,707 SH SOLE 18,707 0 0
STERLING INFRASTRUCTURE INC COM 859241101 1,181,083 2,900 SH SOLE 2,900 0 0
SYNCHRONY FINANCIAL COM 87165B103 594,142 8,735 SH SOLE 8,735 0 0
TTM TECHNOLOGIES INC COM 87305R109 480,768 4,935 SH SOLE 4,935 0 0
TWILIO INC CL A 90138F102 375,069 2,981 SH SOLE 2,981 0 0
UNITED NAT FOODS INC COM 911163103 476,690 10,579 SH SOLE 10,579 0 0
VISTANCE NETWORKS INC COM 20337X109 386,186 21,219 SH SOLE 21,219 0 0
WILLDAN GROUP INC COM 96924N100 272,630 3,561 SH SOLE 3,561 0 0
ISHARES TR CORE MSCI EAFE 46432F842 241,081 2,663 SH SOLE 2,663 0 0
ISHARES TR CORE MSCI EURO 46434V738 277,075 3,943 SH SOLE 3,943 0 0
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723 827,490 34,039 SH SOLE 34,039 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,998,206 137,254 SH SOLE 137,254 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 345,244 6,993 SH SOLE 6,993 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 460,233 3,463 SH SOLE 3,463 0 0
CAPITAL ONE FINL CORP COM 14040H105 240,078 1,316 SH SOLE 1,316 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,070,490 5,456 SH SOLE 5,456 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 446,124 6,534 SH SOLE 6,534 0 0
NIKE INC CL B 654106103 581,704 11,013 SH SOLE 11,013 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,754,778 70,900 SH SOLE 70,900 0 0
STARBUCKS CORP COM 855244109 611,678 6,828 SH SOLE 6,828 0 0
DISNEY WALT CO COM 254687106 585,917 6,079 SH SOLE 6,079 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,029,217 6,714 SH SOLE 6,714 0 0
APPLOVIN CORP COM CL A 03831W108 317,206 797 SH SOLE 797 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 418,194 2,109 SH SOLE 2,109 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,632,083 49,532 SH SOLE 49,532 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 663,409 25,874 SH SOLE 25,874 0 0
GENERAL MTRS CO COM 37045V100 412,990 5,543 SH SOLE 5,543 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 203,981 5,549 SH SOLE 5,549 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 235,085 3,305 SH SOLE 3,305 0 0
ISHARES TR US TREAS BD ETF 46429B267 407,019 17,766 SH SOLE 17,766 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 356,602 7,046 SH SOLE 7,046 0 0
FOX CORP CL A COM 35137L105 294,628 5,045 SH SOLE 5,045 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 2,704,789 23,259 SH SOLE 23,259 0 0
FLEXSHARES TR CR SCD US BD 33939L761 591,414 12,164 SH SOLE 12,164 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 389,436 7,126 SH SOLE 7,126 0 0
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 690,569 14,668 SH SOLE 14,668 0 0
MARATHON PETE CORP COM 56585A102 210,483 862 SH SOLE 862 0 0
RYDER SYS INC COM 783549108 277,996 1,358 SH SOLE 1,358 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 656,835 3,023 SH SOLE 3,023 0 0
POWELL INDS INC COM 739128106 226,713 419 SH SOLE 419 0 0
ISHARES TR CORE S&P SCP ETF 464287804 376,535 3,029 SH SOLE 3,029 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,331,867 43,412 SH SOLE 43,412 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 480,032 1,099 SH SOLE 1,099 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 812,227 1,359 SH SOLE 1,359 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,276,825 3,980 SH SOLE 3,980 0 0
BLACKROCK ETF TRUST DISCIPLINED VOLA 09290C715 575,064 23,329 SH SOLE 23,329 0 0
ISHARES TR IBOXX INV CP ETF 464287242 309,750 2,842 SH SOLE 2,842 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 508,421 5,732 SH SOLE 5,732 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 299,747 1,003 SH SOLE 1,003 0 0
AFFILIATED MANAGERS GROUP COM 008252108 241,006 871 SH SOLE 871 0 0
EXPEDIA GROUP INC COM NEW 30212P303 234,815 1,017 SH SOLE 1,017 0 0
STATE STR CORP COM 857477103 240,717 1,902 SH SOLE 1,902 0 0
VALERO ENERGY CORP COM 91913Y100 217,925 882 SH SOLE 882 0 0
VISTRA CORP COM 92840M102 439,114 2,921 SH SOLE 2,921 0 0
ISHARES TR NATIONAL MUN ETF 464288414 368,553 3,472 SH SOLE 3,472 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 254,109 2,386 SH SOLE 2,386 0 0
ISHARES TR CONV BD ETF 46435G102 251,523 2,471 SH SOLE 2,471 0 0
STATE STR SPDR S&P 500 ETF T PUT 78462F953 6,048,162 9,300 SH Put SOLE 93 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 252,633 3,187 SH SOLE 3,187 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,653,327 11,608 SH SOLE 11,608 0 0
ISHARES TR CORE DIV GRWTH 46434V621 219,804 3,132 SH SOLE 3,132 0 0