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
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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
AMAZON COM INC COM Stock 023135106 589,653 2,474 SH SOLE 0 2,474 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 15,769,835 21,415 SH SOLE 0 21,414 0 0
STARBUCKS CORP COM Stock 855244109 202,443 1,981 SH SOLE 0 1,981 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,095,155 4,312 SH SOLE 0 4,312 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 1,284,469 16,984 SH SOLE 0 16,983 0 0
WILLIAMS SONOMA INC COM Stock 969904101 242,424 1,040 SH SOLE 0 1,040 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 402,233 1,087 SH SOLE 0 1,087 0 0
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 606,185 648 SH SOLE 0 648 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 617,947 611 SH SOLE 0 611 0 0
SHELL PLC SPON ADS ADR 780259305 314,502 4,056 SH SOLE 0 4,056 0 0
PROCTER & GAMBLE CO COM Stock 742718109 654,845 4,466 SH SOLE 0 4,465 0 0
VENTAS INC COM REIT 92276F100 356,621 4,016 SH SOLE 0 4,016 0 0
INTEL CORP COM Stock 458140100 472,089 3,381 SH SOLE 0 3,381 0 0
STATE STR CORP COM Stock 857477103 233,200 1,375 SH SOLE 0 1,375 0 0
NETFLIX INC. COM Stock 64110L106 593,263 8,309 SH SOLE 0 8,309 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 383,882 2,106 SH SOLE 0 2,106 0 0
PACCAR INC COM Stock 693718108 212,372 1,768 SH SOLE 0 1,768 0 0
MYR GROUP INC COM Stock 55405W104 450,360 900 SH SOLE 0 900 0 0
MERCK & CO INC COM Stock 58933Y105 886,136 6,896 SH SOLE 0 6,896 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 578,000 774 SH SOLE 0 774 0 0
MCKESSON CORP COM Stock 58155Q103 230,458 305 SH SOLE 0 305 0 0
TOTALENERGIES SE ACT Stock F92124100 245,877 3,162 SH SOLE 0 3,162 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 229,579 447 SH SOLE 0 447 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,196,487 8,121 SH SOLE 0 8,121 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,352,350 5,000 SH Put SOLE 0 5,000 0 0
STEEL DYNAMICS INC COM Stock 858119100 358,875 1,564 SH SOLE 0 1,564 0 0
ALLSTATE CORP COM Stock 020002101 337,399 1,418 SH SOLE 0 1,418 0 0
ISHARES TIPS BOND ETF ETF 464287176 733,947 6,707 SH SOLE 0 6,707 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 270,214 6,382 SH SOLE 0 6,382 0 0
CHUBB LIMITED COM Stock H1467J104 415,362 1,219 SH SOLE 0 1,219 0 0
SNAP ON INC COM Stock 833034101 398,376 990 SH SOLE 0 990 0 0
PULTE GROUP INC COM Stock 745867101 480,509 3,502 SH SOLE 0 3,502 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 288,002 1,302 SH SOLE 0 1,302 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,679,247 46,478 SH SOLE 0 46,477 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100 280,407 9,285 SH SOLE 0 9,285 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 3,828,572 132,202 SH SOLE 0 132,202 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,793,071 64,732 SH SOLE 0 64,731 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 6,833,862 67,790 SH SOLE 0 67,789 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 980,264 1,959 SH SOLE 0 1,959 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 312,052 8,606 SH SOLE 0 8,605 0 0
VICTORY CAP HLDGS INC DEL COM CL A Stock 92645B103 298,077 3,546 SH SOLE 0 3,546 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 477,975 1,337 SH SOLE 0 1,337 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753 8,386,556 143,018 SH SOLE 0 143,017 0 0
MICROSOFT CORP COM Stock 594918104 2,108,164 5,652 SH SOLE 0 5,651 0 0
GARMIN LTD SHS Stock H2906T109 364,386 1,534 SH SOLE 0 1,534 0 0
ELASTIC N V ORD SHS Stock N14506104 2,558,487 44,870 SH SOLE 0 44,870 0 0
TESLA INC COM Stock 88160R101 418,076 994 SH SOLE 0 994 0 0
ISHARES MSCI USA QUALITY GARP ETF ETF 46436E403 20,062,732 243,037 SH SOLE 0 243,037 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 267,614 895 SH SOLE 0 895 0 0
PUBLIC STORAGE COM REIT 74460D109 308,761 970 SH SOLE 0 970 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 630,891 26,135 SH SOLE 0 26,134 0 0
NEWMARKET CORP COM Stock 651587107 217,591 275 SH SOLE 0 275 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 347,419 2,907 SH SOLE 0 2,906 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 233,088 6,696 SH SOLE 0 6,696 0 0
AMPHENOL CORP CL A Stock 032095101 221,811 1,258 SH SOLE 0 1,258 0 0
WELLTOWER INC COM REIT 95040Q104 527,932 2,326 SH SOLE 0 2,326 0 0
ELI LILLY & CO COM Stock 532457108 2,200,954 1,835 SH SOLE 0 1,835 0 0
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 9,738,031 78,054 SH SOLE 0 78,054 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,873,407 6,235 SH SOLE 0 6,235 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 245,439 1,939 SH SOLE 0 1,939 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 1,782,224 1,544 SH SOLE 0 1,544 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 4,282,425 42,539 SH SOLE 0 42,539 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,541,620 9,863 SH SOLE 0 9,863 0 0
EDISON INTL COM Stock 281020107 330,558 4,440 SH SOLE 0 4,440 0 0
INVESCO NASDAQ 100 ETF ETF 46138G649 531,409 1,754 SH SOLE 0 1,754 0 0
JANUS HENDERSON AAA CLO ETF ETF 47103U845 440,348 8,721 SH SOLE 0 8,721 0 0
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 202,056 3,909 SH SOLE 0 3,909 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 242,896 793 SH SOLE 0 793 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 567,228 17,888 SH SOLE 0 17,887 0 0
VISA INC COM CL A Stock 92826C839 543,672 1,585 SH SOLE 0 1,584 0 0
INVESCO S&P 500 GARP ETF ETF 46137V431 1,425,657 11,658 SH SOLE 0 11,658 0 0
VANGUARD VALUE ETF ETF 922908744 782,805 3,592 SH SOLE 0 3,592 0 0
VANGUARD GROWTH ETF ETF 922908736 559,754 6,498 SH SOLE 0 6,498 0 0
JPMORGAN INCOME ETF ETF 46641Q159 25,051,585 544,008 SH SOLE 0 544,008 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 39,202,666 238,648 SH SOLE 0 238,647 0 0
META PLATFORMS INC CL A Stock 30303M102 1,195,865 2,123 SH SOLE 0 2,123 0 0
CAPITAL GROUP GROWTH ETF ETF 14020G101 234,631 4,971 SH SOLE 0 4,971 0 0
ASML HLDG NV N Y REGISTRY SHS ADR N07059210 334,226 168 SH SOLE 0 168 0 0
BANCO SANTANDER SA ADR ADR 05964H105 179,345 12,996 SH SOLE 0 12,996 0 0
MATSON INC COM Stock 57686G105 225,294 1,172 SH SOLE 0 1,172 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 30,020,175 288,767 SH SOLE 0 288,766 0 0
PACKAGING CORP AMER COM Stock 695156109 259,249 1,088 SH SOLE 0 1,088 0 0
TOLL BROTHERS INC COM Stock 889478103 237,924 1,444 SH SOLE 0 1,444 0 0
BROADCOM INC COM Stock 11135F101 261,403 692 SH SOLE 0 692 0 0
ISHARES GNMA BOND ETF ETF 46429B333 794,793 17,970 SH SOLE 0 17,969 0 0
D R HORTON INC COM Stock 23331A109 393,192 2,414 SH SOLE 0 2,414 0 0
INVESCO S&P INTERNATIONAL DEVELOPED MOMENTUM ETF ETF 46138E222 222,651 3,693 SH SOLE 0 3,693 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 13,357,228 138,302 SH SOLE 0 138,302 0 0
CF INDUSTRIES HOLD COM Stock 125269100 399,263 3,688 SH SOLE 0 3,688 0 0
NVIDIA CORPORATION COM Stock 67066G104 4,118,928 20,585 SH SOLE 0 20,585 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 376,205 4,492 SH SOLE 0 4,492 0 0
TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS ADR 874039100 442,230 926 SH SOLE 0 926 0 0
ISHARES US POWER INFRASTRUCTURE ETF ETF 464286343 1,063,705 38,044 SH SOLE 0 38,043 0 0
SIMPSON MFG INC COM Stock 829073105 207,257 990 SH SOLE 0 990 0 0
QUALCOMM INC COM Stock 747525103 313,152 1,695 SH SOLE 0 1,694 0 0
STATE STREET BLACKSTONE SENIOR LOAN ETF ETF 78467V608 331,066 8,217 SH SOLE 0 8,217 0 0
RETURN STACKED U.S. STOCKS & MANAGED FUTURES ETF ETF 88636J816 3,753,662 114,826 SH SOLE 0 114,826 0 0
FASTENAL CO COM Stock 311900104 264,165 5,500 SH SOLE 0 5,500 0 0
ISHARES LARGE CAP DEEP QUARTERLY LADDERED ETF ETF 092528801 5,800,109 167,488 SH SOLE 0 167,488 0 0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF ETF 46654Q724 7,203,149 106,587 SH SOLE 0 106,587 0 0
MCDONALDS CORP COM Stock 580135101 539,539 1,996 SH SOLE 0 1,996 0 0
QUEST DIAGNOSTICS INC COM Stock 74834L100 201,353 950 SH SOLE 0 950 0 0
CISCO SYS INC COM Stock 17275R102 875,745 7,456 SH SOLE 0 7,455 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 246,306 424 SH SOLE 0 424 0 0
AT&T INC COM Stock 00206R102 200,916 9,706 SH SOLE 0 9,706 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 6,102,118 79,558 SH SOLE 0 79,558 0 0
GE VERNOVA INC COM Stock 36828A101 204,426 174 SH SOLE 0 174 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771 32,160,585 1,034,102 SH SOLE 0 1,034,102 0 0
GE AEROSPACE COM NEW Stock 369604301 243,298 651 SH SOLE 0 651 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,755,048 5,119 SH SOLE 0 5,119 0 0
GOLDMAN SACHS DYNAMIC CALIFORNIA MUNICIPAL INCOME ETF ETF 38149W564 1,338,986 26,152 SH SOLE 0 26,151 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 18,234,732 132,587 SH SOLE 0 132,587 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 1,404,662 1,876 SH SOLE 0 1,875 0 0
WELLS FARGO & CO COM Stock 949746101 446,917 5,408 SH SOLE 0 5,408 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 203,552 406 SH SOLE 0 406 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 930,599 2,843 SH SOLE 0 2,843 0 0
HARTFORD INSURANCE GROUP INC COM Stock 416515104 242,512 1,830 SH SOLE 0 1,830 0 0
VANGUARD 0-3 MONTH TREASURY BILL ETF ETF 922040845 2,775,547 36,675 SH SOLE 0 36,674 0 0
CHEVRON CORPORATION COM Stock 166764100 934,039 5,635 SH SOLE 0 5,634 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 717,630 10,072 SH SOLE 0 10,072 0 0
CINCINNATI FINL CORP COM Stock 172062101 389,720 2,105 SH SOLE 0 2,105 0 0
BANK OF AMER CORP COM Stock 060505104 654,643 11,489 SH SOLE 0 11,489 0 0
WALMART INC COM Stock 931142103 614,889 5,429 SH SOLE 0 5,429 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 816,287 19,703 SH SOLE 0 19,702 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 1,071,410 3,810 SH SOLE 0 3,810 0 0
TEXAS INSTRS INC COM Stock 882508104 443,528 1,488 SH SOLE 0 1,488 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 429,954 3,942 SH SOLE 0 3,942 0 0
MORGAN STANLEY COM NEW Stock 617446448 273,842 1,310 SH SOLE 0 1,310 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 241,370 1,208 SH SOLE 0 1,208 0 0
GILEAD SCIENCES INC COM Stock 375558103 348,951 2,762 SH SOLE 0 2,762 0 0
CATERPILLAR INC COM Stock 149123101 1,474,887 1,385 SH SOLE 0 1,385 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 1,796,146 5,083 SH SOLE 0 5,083 0 0
AMGEN INC COM Stock 031162100 376,967 1,041 SH SOLE 0 1,041 0 0
APPLIED MATLS INC COM Stock 038222105 1,190,781 1,647 SH SOLE 0 1,647 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 377,199 3,314 SH SOLE 0 3,314 0 0
AGNICO EAGLE MINES LTD COM Stock 008474108 261,859 1,688 SH SOLE 0 1,688 0 0
ARISTA NETWORKS INC COM SHS Stock 040413205 928,224 5,464 SH SOLE 0 5,464 0 0
AB CALIFORNIA INTERMEDIATE MUNICIPAL ETF ETF 00039J772 3,305,192 131,367 SH SOLE 0 131,366 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 626,591 2,648 SH SOLE 0 2,648 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 692,148 6,993 SH SOLE 0 6,992 0 0
SYNCHRONY FINANCIAL COM Stock 87165B103 287,393 3,779 SH SOLE 0 3,779 0 0
AXON ENTERPRISE INC COM Stock 05464C101 605,459 1,080 SH SOLE 0 1,080 0 0
CITIZENS FINL GROUP INC COM Stock 174610105 252,182 3,599 SH SOLE 0 3,599 0 0
CAL MAINE FOODS INC COM NEW Stock 128030202 315,392 3,915 SH SOLE 0 3,915 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 781,294 1,803 SH SOLE 0 1,803 0 0
NUCOR CORP COM Stock 670346105 533,932 2,397 SH SOLE 0 2,397 0 0
JPMORGAN CALIFORNIA TAX FREE BOND ETF ETF 46654Q484 1,231,633 24,471 SH SOLE 0 24,471 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 328,211 1,333 SH SOLE 0 1,333 0 0
REALTY INCOME CORP COM REIT 756109104 205,955 3,324 SH SOLE 0 3,324 0 0
CADENCE DESIGN SYSTEM INC COM Stock 127387108 264,976 706 SH SOLE 0 706 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 535,942 3,920 SH SOLE 0 3,920 0 0
EVERCORE INC CLASS A Stock 29977A105 273,152 800 SH SOLE 0 800 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 853,709 11,071 SH SOLE 0 11,071 0 0
APPLE INC COM Stock 037833100 5,870,713 20,289 SH SOLE 0 20,288 0 0
VANECK MORNINGSTAR INTERNATIONAL MOAT ETF ETF 92189F593 372,764 11,211 SH SOLE 0 11,211 0 0