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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 547,875 2,763 SH SOLE 0 0 2,763
ADVANCED MICRO DEVICES INC COM 007903107 264,052 1,298 SH SOLE 0 0 1,298
ALPHABET INC CAP STK CL A 02079K305 1,219,891 4,242 SH SOLE 0 0 4,242
ALPHABET INC CAP STK CL C 02079K107 832,539 2,902 SH SOLE 0 0 2,902
ALTRIA GROUP INC COM 02209S103 276,366 4,188 SH SOLE 0 0 4,188
AMAZON COM INC COM 023135106 1,839,649 8,833 SH SOLE 0 0 8,833
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 258,847 3,051 SH SOLE 0 0 3,051
AMERICAN CENTY ETF TR US SML CP VALU 025072877 352,399 3,190 SH SOLE 0 0 3,190
APPLE INC COM 037833100 5,105,105 20,115 SH SOLE 0 0 20,115
APPLIED MATLS INC COM 038222105 212,593 622 SH SOLE 0 0 622
AVERY DENNISON CORP COM 053611109 207,043 1,199 SH SOLE 0 0 1,199
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,963,463 8,271 SH SOLE 0 0 8,271
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 332,859 20,585 SH SOLE 0 0 20,585
BOEING CO COM 097023105 231,671 1,164 SH SOLE 0 0 1,164
BROOKFIELD CORP CL A LTD VT SH 11271J107 1,809,697 44,717 SH SOLE 0 0 44,717
BUTTERFLY NETWORK INC COM CL A 124155102 124,028 30,700 SH SOLE 0 0 30,700
CHUBB LTD SWITZ COM H1467J104 267,589 821 SH SOLE 0 0 821
CORTEVA INC COM 22052L104 248,368 2,967 SH SOLE 0 0 2,967
COSTCO WHOLESALE CORPORATION COM 22160K105 2,249,939 2,258 SH SOLE 0 0 2,258
CROWDSTRIKE HLDGS INC CL A 22788C105 286,951 735 SH SOLE 0 0 735
CSX CORP COM 126408103 461,402 11,240 SH SOLE 0 0 11,240
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 218,879 4,147 SH SOLE 0 0 4,147
ELI LILLY & CO COM 532457108 309,962 337 SH SOLE 0 0 337
EOS ENERGY ENTERPRISES INC COM CL A 29415C101 222,590 44,877 SH SOLE 0 0 44,877
EQT CORP COM 26884L109 321,318 5,049 SH SOLE 0 0 5,049
EXPEDIA GROUP INC COM NEW 30212P303 285,149 1,235 SH SOLE 0 0 1,235
EXXON MOBIL CORP COM 30231G102 1,991,808 11,740 SH SOLE 0 0 11,740
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,105,226 46,147 SH SOLE 0 0 46,147
HONEYWELL INTL INC COM 438516106 268,072 1,186 SH SOLE 0 0 1,186
INTERNATIONAL BUSINESS MACHS COM 459200101 897,570 3,703 SH SOLE 0 0 3,703
INVESCO QQQ TR UNIT SER 1 46090E103 2,804,051 4,858 SH SOLE 0 0 4,858
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 874,747 22,768 SH SOLE 0 0 22,768
ISHARES INC MSCI EMERG MRKT 464286533 450,715 6,963 SH SOLE 0 0 6,963
ISHARES INC MSCI ISRAEL ETF 464286632 472,863 4,075 SH SOLE 0 0 4,075
ISHARES TR 3 7 YR TREAS BD 464288661 12,093,202 101,966 SH SOLE 0 0 101,966
ISHARES TR CALIF MUN BD ETF 464288356 14,724,636 258,963 SH SOLE 0 0 258,963
ISHARES TR CHINA LG-CAP ETF 464287184 289,749 8,071 SH SOLE 0 0 8,071
ISHARES TR CORE DIV GRWTH 46434V621 372,235 5,304 SH SOLE 0 0 5,304
ISHARES TR CORE MSCI EAFE 46432F842 4,561,173 50,383 SH SOLE 0 0 50,383
ISHARES TR CORE S&P500 ETF 464287200 5,115,443 7,831 SH SOLE 0 0 7,831
ISHARES TR CORE US AGGBD ET 464287226 900,180 9,068 SH SOLE 0 0 9,068
ISHARES TR FLTG RATE NT ETF 46429B655 808,322 15,865 SH SOLE 0 0 15,865
ISHARES TR FUTURE EXPONENTI 46434V381 222,576 3,266 SH SOLE 0 0 3,266
ISHARES TR ISHARES SEMICDTR 464287523 516,325 1,571 SH SOLE 0 0 1,571
ISHARES TR JPMORGAN USD EMG 464288281 3,922,215 41,756 SH SOLE 0 0 41,756
ISHARES TR MSCI USA MMENTM 46432F396 493,179 2,055 SH SOLE 0 0 2,055
ISHARES TR NATIONAL MUN ETF 464288414 11,831,062 111,456 SH SOLE 0 0 111,456
ISHARES TR RUS 1000 VAL ETF 464287598 2,700,575 12,639 SH SOLE 0 0 12,639
ISHARES TR RUSSELL 2000 ETF 464287655 368,528 1,486 SH SOLE 0 0 1,486
ISHARES TR S&P 500 GRWT ETF 464287309 670,064 5,924 SH SOLE 0 0 5,924
ISHARES TR SHRT NAT MUN ETF 464288158 763,073 7,165 SH SOLE 0 0 7,165
ISHARES TR TRS FLT RT BD 46434V860 40,340,034 796,761 SH SOLE 0 0 796,761
ISHARES TR TRUST ISHARE 0-1 464288679 535,392 4,850 SH SOLE 0 0 4,850
ISHARES TR US TREAS BD ETF 46429B267 413,686 18,057 SH SOLE 0 0 18,057
JOHNSON & JOHNSON COM 478160104 1,210,956 4,954 SH SOLE 0 0 4,954
JPMORGAN CHASE & CO COM 46625H100 287,394 977 SH SOLE 0 0 977
KINDER MORGAN INC DEL COM 49456B101 242,925 7,245 SH SOLE 0 0 7,245
LENZ THERAPEUTICS INC COM 52635N103 138,952 15,186 SH SOLE 0 0 15,186
META PLATFORMS INC CL A 30303M102 428,636 749 SH SOLE 0 0 749
MICRON TECHNOLOGY INC COM 595112103 305,745 905 SH SOLE 0 0 905
MICROSOFT CORP COM 594918104 2,910,381 7,862 SH SOLE 0 0 7,862
NETFLIX INC. COM 64110L106 361,909 3,764 SH SOLE 0 0 3,764
NUVEEN AMT FREE MUN CR INC F COM 67071L106 510,462 41,400 SH SOLE 0 0 41,400
NUVEEN AMT FREE QLTY MUN INC COM 670657105 488,505 43,500 SH SOLE 0 0 43,500
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 500,903 41,125 SH SOLE 0 0 41,125
NVIDIA CORPORATION COM 67066G104 1,769,469 10,146 SH SOLE 0 0 10,146
OCUGEN INC COM 67577C105 1,869,710 1,032,989 SH SOLE 0 0 1,032,989
ORACLE CORP COM 68389X105 1,095,822 7,449 SH SOLE 0 0 7,449
PALANTIR TECHNOLOGIES INC CL A 69608A108 355,314 2,429 SH SOLE 0 0 2,429
PALO ALTO NETWORKS INC COM 697435105 330,259 2,060 SH SOLE 0 0 2,060
PATRIOT NATL BANCORP INC COM NEW 70336F203 157,158 121,828 SH SOLE 0 0 121,828
PATTERSON-UTI ENERGY INC COM 703481101 305,731 28,230 SH SOLE 0 0 28,230
PROGRESSIVE CORP COM 743315103 2,195,112 11,073 SH SOLE 0 0 11,073
RTX CORPORATION COM 75513E101 1,156,050 5,993 SH SOLE 0 0 5,993
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 354,992 14,251 SH SOLE 0 0 14,251
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,756,859 60,311 SH SOLE 0 0 60,311
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,359,064 175,707 SH SOLE 0 0 175,707
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 323,235 12,606 SH SOLE 0 0 12,606
SCHWAB STRATEGIC TR US REIT ETF 808524847 312,894 14,560 SH SOLE 0 0 14,560
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,209,301 144,749 SH SOLE 0 0 144,749
SCHWAB STRATEGIC TR US TIPS ETF 808524870 666,953 25,064 SH SOLE 0 0 25,064
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 258,768 1,600 SH SOLE 0 0 1,600
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 742,959 16,190 SH SOLE 0 0 16,190
SIMPLIFY EXCHANGE TRADED FUN INTMD TERM TRSRY 82889N798 236,340 18,000 SH SOLE 0 0 18,000
SPDR GOLD TR GOLD SHS 78463V107 826,157 1,920 SH SOLE 0 0 1,920
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 29,762,143 651,963 SH SOLE 0 0 651,963
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 5,644,246 120,320 SH SOLE 0 0 120,320
SPDR SERIES TRUST STATE STREET SPD 78468R101 11,879,952 407,126 SH SOLE 0 0 407,126
SPDR SERIES TRUST STATE STREET SPD 78464A474 268,946 8,944 SH SOLE 0 0 8,944
SPDR SERIES TRUST STATE STREET SPD 78464A649 5,471,484 213,563 SH SOLE 0 0 213,563
SPDR SERIES TRUST STATE STREET SPD 78464A805 28,883,779 365,339 SH SOLE 0 0 365,339
SPDR SERIES TRUST STATE STREET SPD 78464A656 1,874,054 72,051 SH SOLE 0 0 72,051
SPDR SERIES TRUST STATE STREET SPD 78464A375 1,911,780 57,000 SH SOLE 0 0 57,000
SPDR SERIES TRUST STATE STREET SPD 78464A870 213,948 1,675 SH SOLE 0 0 1,675
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 393,456 605 SH SOLE 0 0 605
STRYKER CORPORATION COM 863667101 891,136 2,712 SH SOLE 0 0 2,712
TESLA INC COM 88160R101 487,736 1,312 SH SOLE 0 0 1,312
T-MOBILE US INC COM 872590104 2,337,214 11,128 SH SOLE 0 0 11,128
TRAVELERS COMPANIES INC COM 89417E109 982,378 3,368 SH SOLE 0 0 3,368
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 562,221 12,109 SH SOLE 0 0 12,109
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 15,229,808 206,814 SH SOLE 0 0 206,814
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 23,250,963 483,891 SH SOLE 0 0 483,891
VANGUARD INDEX FDS GROWTH ETF 922908736 8,309,930 19,025 SH SOLE 0 0 19,025
VANGUARD INDEX FDS LARGE CAP ETF 922908637 630,574 2,110 SH SOLE 0 0 2,110
VANGUARD INDEX FDS MID CAP ETF 922908629 662,524 2,307 SH SOLE 0 0 2,307
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,071,490 1,793 SH SOLE 0 0 1,793
VANGUARD INDEX FDS SM CP VAL ETF 922908611 519,662 2,392 SH SOLE 0 0 2,392
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,309,936 31,727 SH SOLE 0 0 31,727
VANGUARD INDEX FDS SML CP GRW ETF 922908595 770,302 2,548 SH SOLE 0 0 2,548
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,490,882 38,935 SH SOLE 0 0 38,935
VANGUARD INDEX FDS VALUE ETF 922908744 19,037,678 97,032 SH SOLE 0 0 97,032
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,840,443 108,056 SH SOLE 0 0 108,056
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 289,741 3,515 SH SOLE 0 0 3,515
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 475,129 3,435 SH SOLE 0 0 3,435
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,473,257 29,494 SH SOLE 0 0 29,494
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,453,835 17,569 SH SOLE 0 0 17,569
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 8,065,834 145,711 SH SOLE 0 0 145,711
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,243,916 21,249 SH SOLE 0 0 21,249
VANGUARD STAR FDS VG TL INTL STK F 921909768 593,976 7,702 SH SOLE 0 0 7,702
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 19,878,296 310,210 SH SOLE 0 0 310,210
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,492,805 22,725 SH SOLE 0 0 22,725
VANGUARD WORLD FD INF TECH ETF 92204A702 1,738,191 2,491 SH SOLE 0 0 2,491
VISA INC COM CL A 92826C839 245,419 812 SH SOLE 0 0 812
WALMART INC COM 931142103 492,283 3,961 SH SOLE 0 0 3,961
WORTHINGTON ENTERPRISES INC COM 981811102 208,247 3,994 SH SOLE 0 0 3,994