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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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 317,066 1,260 SH SOLE 0 0 0 1,260
ADVANCED MICRO DEVICES INC COM 007903107 508,877 876 SH SOLE 0 0 0 876
ALPHABET INC CAP STK CL A 02079K305 824,095 2,306 SH SOLE 0 0 0 2,306
ALPHABET INC CAP STK CL C 02079K107 890,038 2,519 SH SOLE 0 0 0 2,519
AMAZON COM INC COM 023135106 815,361 3,421 SH SOLE 0 0 0 3,421
APPLE INC COM 037833100 1,688,126 5,834 SH SOLE 0 0 0 5,834
APPLIED MATLS INC COM 038222105 498,147 689 SH SOLE 0 0 0 689
BANK OF AMER CORP COM 060505104 212,592 3,731 SH SOLE 0 0 0 3,731
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 361,782 723 SH SOLE 0 0 0 723
BROADCOM INC COM 11135F101 431,391 1,142 SH SOLE 0 0 0 1,142
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 3,500,559 42,721 SH SOLE 0 0 0 42,721
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 299,733 7,101 SH SOLE 0 0 0 7,101
EATON CORP PLC SHS G29183103 302,971 711 SH SOLE 0 0 0 711
ELI LILLY & CO COM 532457108 421,000 351 SH SOLE 0 0 0 351
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,310,911 44,741 SH SOLE 0 0 0 44,741
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 3,569,282 78,463 SH SOLE 0 0 0 78,463
GOLDMAN SACHS GROUP INC COM 38141G104 227,558 225 SH SOLE 0 0 0 225
ISHARES INC MSCI EMRG CHN 46434G764 1,097,474 10,728 SH SOLE 0 0 0 10,728
ISHARES TR 0-5YR HI YL CP 46434V407 1,232,901 29,071 SH SOLE 0 0 0 29,071
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,020,623 19,779 SH SOLE 0 0 0 19,779
ISHARES TR RUS MDCP VAL ETF 464287473 563,261 3,422 SH SOLE 0 0 0 3,422
ISHARES TR MSCI EAFE ETF 464287465 1,126,682 10,846 SH SOLE 0 0 0 10,846
ISHARES TR CORE S&P MCP ETF 464287507 1,844,163 23,916 SH SOLE 0 0 0 23,916
ISHARES TR S&P MC 400GR ETF 464287606 634,970 5,404 SH SOLE 0 0 0 5,404
ISHARES TR CORE S&P SCP ETF 464287804 781,742 5,271 SH SOLE 0 0 0 5,271
ISHARES TR S&P SML 600 GWT 464287887 434,355 2,432 SH SOLE 0 0 0 2,432
ISHARES TR CORE S&P500 ETF 464287200 2,372,484 3,168 SH SOLE 0 0 0 3,168
ISHARES TR CORE US AGGBD ET 464287226 310,599 3,138 SH SOLE 0 0 0 3,138
ISHARES TR NATIONAL MUN ETF 464288414 6,160,169 57,240 SH SOLE 0 0 0 57,240
ISHARES TR EAFE SML CP ETF 464288273 802,873 9,759 SH SOLE 0 0 0 9,759
ISHARES TR CALIF MUN BD ETF 464288356 3,048,118 52,882 SH SOLE 0 0 0 52,882
ISHARES TR NEW YORK MUN ETF 464288323 456,683 8,472 SH SOLE 0 0 0 8,472
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 8,086,108 159,631 SH SOLE 0 0 0 159,631
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 4,335,066 76,754 SH SOLE 0 0 0 76,754
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 3,620,453 76,794 SH SOLE 0 0 0 76,794
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 5,316,782 86,508 SH SOLE 0 0 0 86,508
J P MORGAN EXCHANGE TRADED F RLTY INCOME ETF 46641Q126 1,590,081 30,473 SH SOLE 0 0 0 30,473
JPMORGAN CHASE & CO COM 46625H100 609,488 1,862 SH SOLE 0 0 0 1,862
MARVELL TECHNOLOGY INC COM 573874104 341,978 1,148 SH SOLE 0 0 0 1,148
META PLATFORMS INC CL A 30303M102 402,752 715 SH SOLE 0 0 0 715
MICRON TECHNOLOGY INC COM 595112103 692,574 600 SH SOLE 0 0 0 600
MICROSOFT CORP COM 594918104 1,039,234 2,786 SH SOLE 0 0 0 2,786
NVIDIA CORPORATION COM 67066G104 2,515,932 12,574 SH SOLE 0 0 0 12,574
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,575,535 38,776 SH SOLE 0 0 0 38,776
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,339,795 33,765 SH SOLE 0 0 0 33,765
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 2,529,419 26,344 SH SOLE 0 0 0 26,344
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,507,295 69,603 SH SOLE 0 0 0 69,603
SPDR SERIES TRUST ST STR P400MID 78464A847 2,853,599 42,238 SH SOLE 0 0 0 42,238
SPDR SERIES TRUST ST STR R1K LOWV 78468R754 1,616,924 11,302 SH SOLE 0 0 0 11,302
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,108,473 36,561 SH SOLE 0 0 0 36,561
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 670,949 16,653 SH SOLE 0 0 0 16,653
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,291,837 3,069 SH SOLE 0 0 0 3,069
TRANE TECHNOLOGIES PLC SHS G8994E103 266,700 543 SH SOLE 0 0 0 543
VANGUARD INDEX FDS MID CAP ETF 922908629 2,971,341 36,879 SH SOLE 0 0 0 36,879
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 320,340 3,322 SH SOLE 0 0 0 3,322
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,114,565 6,976 SH SOLE 0 0 0 6,976
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,559,713 12,463 SH SOLE 0 0 0 12,463
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 250,293 5,347 SH SOLE 0 0 0 5,347
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,730,886 57,240 SH SOLE 0 0 0 57,240
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,661,695 15,475 SH SOLE 0 0 0 15,475
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 544,136 7,637 SH SOLE 0 0 0 7,637
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,969,671 31,802 SH SOLE 0 0 0 31,802
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,997,183 12,638 SH SOLE 0 0 0 12,638
VISA INC COM CL A 92826C839 342,747 999 SH SOLE 0 0 0 999
WALMART INC COM 931142103 212,476 1,876 SH SOLE 0 0 0 1,876