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
3M CO COM 88579Y101 860,552 5,315 SH SOLE 0 0 5,315
ABBOTT LABORATORIES COM 002824100 371,853 4,098 SH SOLE 0 0 4,098
ABBVIE INC COM 00287Y109 1,525,693 6,063 SH SOLE 0 0 6,063
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 2,234,123 12,333 SH SOLE 0 0 12,333
ADVANCED ENERGY INDS COM 007973100 283,754 761 SH SOLE 0 0 761
ADVANCED MICRO DEVICES INC COM 007903107 809,208 1,393 SH SOLE 0 0 1,393
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 232,464 2,422 SH SOLE 0 0 2,422
ALLSTATE CORP COM 020002101 386,890 1,626 SH SOLE 0 0 1,626
ALPHABET INC CAP STK CL A 02079K305 10,491,668 29,358 SH SOLE 0 0 29,358
ALPHABET INC CAP STK CL A 02079K305 2,680,275 7,500 SH Put SOLE 0 0 7,500
ALPHABET INC CAP STK CL C 02079K107 7,554,902 21,382 SH SOLE 0 0 21,382
ALTRIA GROUP INC COM 02209S103 938,516 13,044 SH SOLE 0 0 13,044
AMAZON COM INC COM 023135106 8,085,923 33,926 SH SOLE 0 0 33,926
AMAZON COM INC COM 023135106 1,024,862 4,300 SH Put SOLE 0 0 4,300
AMBEV SA SPONSORED ADR 02319V103 52,903 16,848 SH SOLE 0 0 16,848
AMERICAN ELEC PWR CO INC COM 025537101 339,699 2,483 SH SOLE 0 0 2,483
AMERICAN EXPRESS CO COM 025816109 323,029 955 SH SOLE 0 0 955
AMERICAN HEALTHCARE REIT INC COM SHS 398182303 203,229 3,897 SH SOLE 0 0 3,897
AMGEN INC COM 031162100 755,382 2,086 SH SOLE 0 0 2,086
AMKOR TECHNOLOGY INC COM 031652100 270,159 3,133 SH SOLE 0 0 3,133
APPLE INC COM 037833100 20,905,099 72,246 SH SOLE 0 0 72,246
APPLE INC COM 037833100 2,170,200 7,500 SH Put SOLE 0 0 7,500
APPLIED MATLS INC COM 038222105 263,895 365 SH SOLE 0 0 365
ARES CAPITAL CORP COM 04010L103 1,022,634 55,188 SH SOLE 0 0 55,188
ASML HLDG NV N Y REGISTRY SHS N07059210 250,669 126 SH SOLE 0 0 126
AT&T INC COM 00206R102 647,869 31,298 SH SOLE 0 0 31,298
BANK OF AMER CORP COM 060505104 2,386,949 41,891 SH SOLE 0 0 41,891
BARCLAYS PLC ADR 06738E204 238,087 8,864 SH SOLE 0 0 8,864
BARRICK MNG CORP COM SHS 06849F108 267,394 7,280 SH SOLE 0 0 7,280
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,602,528 5,201 SH SOLE 0 0 5,201
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 1,212,385 23,991 SH SOLE 0 0 23,991
BLACKROCK INC COM 09290D101 315,392 328 SH SOLE 0 0 328
BLOCK INC CL A 852234103 604,124 7,949 SH SOLE 0 0 7,949
BLOOM ENERGY CORP COM CL A 093712107 282,116 932 SH SOLE 0 0 932
BOEING CO COM 097023105 230,973 1,067 SH SOLE 0 0 1,067
BOOT BARN HLDGS INC COM 099406100 214,208 1,304 SH SOLE 0 0 1,304
BRISTOL-MYERS SQUIBB CO COM 110122108 250,128 4,341 SH SOLE 0 0 4,341
BROADCOM INC COM 11135F101 1,231,465 3,260 SH SOLE 0 0 3,260
CATERPILLAR INC COM 149123101 6,003,906 5,638 SH SOLE 0 0 5,638
CATERPILLAR INC COM 149123101 1,277,880 1,200 SH Put SOLE 0 0 1,200
CENCORA INC COM 03073E105 296,563 1,048 SH SOLE 0 0 1,048
CHEVRON CORPORATION COM 166764100 7,179,563 43,313 SH SOLE 0 0 43,313
CHUBB LIMITED COM H1467J104 712,487 2,091 SH SOLE 0 0 2,091
CIENA CORP COM NEW 171779309 354,184 722 SH SOLE 0 0 722
CISCO SYS INC COM 17275R102 2,220,111 18,901 SH SOLE 0 0 18,901
CITIGROUP INC COM NEW 172967424 496,158 3,545 SH SOLE 0 0 3,545
CME GROUP INC COM 12572Q105 881,112 3,990 SH SOLE 0 0 3,990
COCA COLA CO COM 191216100 384,001 4,725 SH SOLE 0 0 4,725
CONSOLIDATED EDISON INC COM 209115104 221,260 2,000 SH SOLE 0 0 2,000
CONSTELLATION BRANDS INC CL A 21036P108 477,496 3,433 SH SOLE 0 0 3,433
COSTCO WHOLESALE CORPORATION COM 22160K105 2,447,877 2,617 SH SOLE 0 0 2,617
CROWDSTRIKE HLDGS INC CL A 22788C105 286,178 375 SH SOLE 0 0 375
CUMMINS INC COM 231021106 2,011,252 2,820 SH SOLE 0 0 2,820
DELTA AIR LINES INC COM NEW 247361702 211,672 2,260 SH SOLE 0 0 2,260
DIGITAL RLTY TR INC COM 253868103 214,778 1,196 SH SOLE 0 0 1,196
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 356,780 7,110 SH SOLE 0 0 7,110
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 355,721 9,547 SH SOLE 0 0 9,547
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,991,834 36,335 SH SOLE 0 0 36,335
DISNEY WALT CO COM 254687106 546,604 5,679 SH SOLE 0 0 5,679
DUKE ENERGY CORP NEW COM NEW 26441C204 386,702 3,055 SH SOLE 0 0 3,055
DYCOM INDS INC COM 267475101 252,795 500 SH SOLE 0 0 500
EDISON INTL COM 281020107 549,143 7,376 SH SOLE 0 0 7,376
ELI LILLY & CO COM 532457108 1,332,567 1,111 SH SOLE 0 0 1,111
EMCOR GROUP INC COM 29084Q100 464,733 560 SH SOLE 0 0 560
ENBRIDGE INC COM 29250N105 4,785,984 88,286 SH SOLE 0 0 88,286
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 507,158 26,525 SH SOLE 0 0 26,525
ENTERPRISE PRODS PARTNERS L COM 293792107 4,097,380 111,463 SH SOLE 0 0 111,463
EQUINIX INC COM 29444U700 790,132 758 SH SOLE 0 0 758
ETF OPPORTUNITIES TRUST AMERICAN CONSER 26923N108 202,958 3,722 SH SOLE 0 0 3,722
EXXON MOBIL CORP COM 30231G102 5,480,831 40,088 SH SOLE 0 0 40,088
FEDEX CORP COM 31428X106 664,462 2,122 SH SOLE 0 0 2,122
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 262,753 5,001 SH SOLE 0 0 5,001
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 431,140 7,380 SH SOLE 0 0 7,380
FIRST TR EXCHANGE-TRADED FD NASDAQ CYB ETF 33734X846 265,058 2,950 SH SOLE 0 0 2,950
FIRSTSUN CAP BANCORP COM 33767U107 923,972 23,826 SH SOLE 0 0 23,826
FORMFACTOR INC COM 346375108 228,700 1,430 SH SOLE 0 0 1,430
FORTINET INC COM 34959E109 1,583,054 10,305 SH SOLE 0 0 10,305
FREEPORT MCMORAN INC CL B 35671D857 882,661 14,035 SH SOLE 0 0 14,035
FULTON FINL CORP PA COM 360271100 236,868 9,792 SH SOLE 0 0 9,792
GE AEROSPACE COM NEW 369604301 471,859 1,263 SH SOLE 0 0 1,263
GE VERNOVA INC COM 36828A101 437,048 372 SH SOLE 0 0 372
GENERAL DYNAMICS CORP COM 369550108 547,301 1,545 SH SOLE 0 0 1,545
GENERAL MILLS INC COM 370334104 219,240 6,300 SH SOLE 0 0 6,300
GILEAD SCIENCES INC COM 375558103 353,247 2,796 SH SOLE 0 0 2,796
GLOBAL X FDS US PFD ETF 37954Y657 328,944 17,600 SH SOLE 0 0 17,600
GOLDMAN SACHS GROUP INC COM 38141G104 583,560 577 SH SOLE 0 0 577
GSK PLC SPONSORED ADR 37733W204 326,472 6,228 SH SOLE 0 0 6,228
HOME DEPOT INC COM 437076102 548,109 1,554 SH SOLE 0 0 1,554
INTEL CORP COM 458140100 1,839,905 13,177 SH SOLE 0 0 13,177
INTERNATIONAL BUSINESS MACHS COM 459200101 7,851,383 27,920 SH SOLE 0 0 27,920
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 409,181 2,533 SH SOLE 0 0 2,533
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 361,256 2,800 SH SOLE 0 0 2,800
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 551,502 6,121 SH SOLE 0 0 6,121
INVESCO QQQ TR UNIT SER 1 46090E103 415,330 564 SH SOLE 0 0 564
ISHARES INC MSCI EMRG CHN 46434G764 17,029,386 166,465 SH SOLE 0 0 166,465
ISHARES SILVER TR ISHARES 46428Q109 928,079 17,357 SH SOLE 0 0 17,357
ISHARES TR 0-5 YR TIPS ETF 46429B747 10,665,606 104,401 SH SOLE 0 0 104,401
ISHARES TR CALIF MUN BD ETF 464288356 838,835 14,553 SH SOLE 0 0 14,553
ISHARES TR CORE S&P MCP ETF 464287507 2,745,656 35,607 SH SOLE 0 0 35,607
ISHARES TR CORE S&P SCP ETF 464287804 1,305,276 8,801 SH SOLE 0 0 8,801
ISHARES TR CORE S&P500 ETF 464287200 6,657,632 8,890 SH SOLE 0 0 8,890
ISHARES TR EAFE GRWTH ETF 464288885 332,326 2,671 SH SOLE 0 0 2,671
ISHARES TR EAFE VALUE ETF 464288877 228,425 2,984 SH SOLE 0 0 2,984
ISHARES TR ESG AWR MSCI USA 46435G425 3,806,310 23,256 SH SOLE 0 0 23,256
ISHARES TR GLOBAL TECH ETF 464287291 319,012 2,208 SH SOLE 0 0 2,208
ISHARES TR MSCI EAFE ETF 464287465 704,930 6,786 SH SOLE 0 0 6,786
ISHARES TR MSCI USA QLT FCT 46432F339 1,073,890 4,894 SH SOLE 0 0 4,894
ISHARES TR MSCI USA VALUE 46432F388 798,441 3,996 SH SOLE 0 0 3,996
ISHARES TR NATIONAL MUN ETF 464288414 354,823 3,297 SH SOLE 0 0 3,297
ISHARES TR RUS 1000 GRW ETF 464287614 11,663,536 93,932 SH SOLE 0 0 93,932
ISHARES TR RUSSELL 2000 ETF 464287655 539,308 1,795 SH SOLE 0 0 1,795
ISHARES TR S&P 100 ETF 464287101 342,454 936 SH SOLE 0 0 936
ISHARES TR SHRT NAT MUN ETF 464288158 2,174,543 20,424 SH SOLE 0 0 20,424
ISHARES TR U.S. BAS MTL ETF 464287838 221,360 1,233 SH SOLE 0 0 1,233
ISHARES TR US AER DEF ETF 464288760 1,842,877 7,602 SH SOLE 0 0 7,602
ISHARES TR US REGNL BKS ETF 464288778 241,126 3,876 SH SOLE 0 0 3,876
ISHARES TR US SML CAP EQT 46434V290 9,100,570 102,093 SH SOLE 0 0 102,093
JOBY AVIATION INC COMMON STOCK G65163100 183,797 20,605 SH SOLE 0 0 20,605
JOHNSON & JOHNSON COM 478160104 3,403,854 13,403 SH SOLE 0 0 13,403
JOHNSON CONTROLS INTERNATION SHS G51502105 304,201 2,082 SH SOLE 0 0 2,082
JPMORGAN CHASE & CO COM 46625H100 5,277,869 16,124 SH SOLE 0 0 16,124
KINDER MORGAN INC DEL COM 49456B101 671,338 20,999 SH SOLE 0 0 20,999
KLA CORP COM NEW 482480100 1,936,978 6,420 SH SOLE 0 0 6,420
KULICKE & SOFFA INDS INC COM 501242101 267,520 2,000 SH SOLE 0 0 2,000
LAM RESEARCH CORP COM NEW 512807306 879,227 2,029 SH SOLE 0 0 2,029
LOCKHEED MARTIN CORP COM 539830109 302,714 594 SH SOLE 0 0 594
LOWES COS INC COM 548661107 354,989 1,610 SH SOLE 0 0 1,610
MARVELL TECHNOLOGY INC COM 573874104 591,014 1,984 SH SOLE 0 0 1,984
MASTERCARD INCORPORATED CL A 57636Q104 914,722 1,781 SH SOLE 0 0 1,781
MCDONALDS CORP COM 580135101 420,803 1,557 SH SOLE 0 0 1,557
MCKESSON CORP COM 58155Q103 264,460 350 SH SOLE 0 0 350
MEDTRONIC PLC SHS G5960L103 382,075 4,884 SH SOLE 0 0 4,884
MERCK & CO INC COM 58933Y105 11,125,402 86,579 SH SOLE 0 0 86,579
META PLATFORMS INC CL A 30303M102 4,269,235 7,579 SH SOLE 0 0 7,579
MICROSOFT CORP COM 594918104 8,113,620 21,751 SH SOLE 0 0 21,751
MORGAN STANLEY COM NEW 617446448 400,939 1,918 SH SOLE 0 0 1,918
NATIONAL GRID PLC SPONSORED ADR NE 636274409 200,545 2,420 SH SOLE 0 0 2,420
NETFLIX INC. COM 64110L106 1,093,491 15,315 SH SOLE 0 0 15,315
NEWMONT CORP COM 651639106 223,880 2,397 SH SOLE 0 0 2,397
NEXTERA ENERGY INC COM 65339F101 2,065,140 23,529 SH SOLE 0 0 23,529
NGL ENERGY PARTNERS LP COM UNIT REPST 62913M107 363,204 22,800 SH SOLE 0 0 22,800
NORFOLK SOUTHN CORP COM 655844108 275,266 875 SH SOLE 0 0 875
NOVARTIS AG SPONSORED ADR 66987V109 480,504 3,066 SH SOLE 0 0 3,066
NOVO-NORDISK A S ADR 670100205 470,963 9,824 SH SOLE 0 0 9,824
NUVEEN AMT FREE QLTY MUN INC COM 670657105 1,583,280 134,862 SH SOLE 0 0 134,862
NUVEEN CALIF AMT FREE MUNI I COM 670651108 223,661 17,850 SH SOLE 0 0 17,850
NVENT ELEC PLC SHS G6700G107 256,620 1,513 SH SOLE 0 0 1,513
NVIDIA CORPORATION COM 67066G104 6,509,338 32,532 SH SOLE 0 0 32,532
NVIDIA CORPORATION COM 67066G104 900,405 4,500 SH Put SOLE 0 0 4,500
ORACLE CORP COM 68389X105 355,237 2,424 SH SOLE 0 0 2,424
PALO ALTO NETWORKS INC COM 697435105 2,946,072 8,639 SH SOLE 0 0 8,639
PALO ALTO NETWORKS INC COM 697435105 1,841,508 5,400 SH Put SOLE 0 0 5,400
PEPSICO INC COM 713448108 396,045 2,925 SH SOLE 0 0 2,925
PFIZER INC COM 717081103 1,591,495 66,092 SH SOLE 0 0 66,092
PHILIP MORRIS INTL INC COM 718172109 2,515,373 13,904 SH SOLE 0 0 13,904
PROCTER & GAMBLE CO COM 742718109 604,010 4,119 SH SOLE 0 0 4,119
PUBLIC SVC ENTERPRISE GROUP COM 744573106 275,944 3,400 SH SOLE 0 0 3,400
QUALCOMM INC COM 747525103 1,713,781 9,274 SH SOLE 0 0 9,274
RB GLOBAL INC COM 74935Q107 225,214 1,934 SH SOLE 0 0 1,934
REALTY INCOME CORP COM 756109104 825,245 13,319 SH SOLE 0 0 13,319
RTX CORPORATION COM 75513E101 1,333,992 7,031 SH SOLE 0 0 7,031
SALESFORCE INC COM 79466L302 526,848 3,363 SH SOLE 0 0 3,363
SANDISK CORP COM 80004C200 272,848 120 SH SOLE 0 0 120
SCHWAB CHARLES CORP COM 808513105 1,525,039 16,528 SH SOLE 0 0 16,528
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 211,323 5,828 SH SOLE 0 0 5,828
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 25,168,389 908,606 SH SOLE 0 0 908,606
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 44,093,738 1,788,067 SH SOLE 0 0 1,788,067
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 44,970,680 1,862,911 SH SOLE 0 0 1,862,911
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 253,782 10,972 SH SOLE 0 0 10,972
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,565,549 175,514 SH SOLE 0 0 175,514
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 39,542,082 1,168,501 SH SOLE 0 0 1,168,501
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 481,527 13,833 SH SOLE 0 0 13,833
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 656,852 4,140 SH SOLE 0 0 4,140
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 418,613 7,882 SH SOLE 0 0 7,882
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 5,663,931 128,638 SH SOLE 0 0 128,638
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 914,496 4,800 SH SOLE 0 0 4,800
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 401,259 8,850 SH SOLE 0 0 8,850
SERVICENOW INC COM 81762P102 224,274 2,259 SH SOLE 0 0 2,259
SHELL PLC SPON ADS 780259305 282,013 3,637 SH SOLE 0 0 3,637
SOUTHERN CO COM 842587107 338,813 3,540 SH SOLE 0 0 3,540
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 18,895,751 720,387 SH SOLE 0 0 720,387
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 294,736 12,574 SH SOLE 0 0 12,574
SPDR SERIES TRUST ST STR P500ETF 78464A854 540,550 6,151 SH SOLE 0 0 6,151
SPDR SERIES TRUST ST STR SP AERO 78464A631 9,545,807 33,637 SH SOLE 0 0 33,637
SPDR SERIES TRUST ST STR SP500DIV 78468R788 679,009 14,232 SH SOLE 0 0 14,232
STARBUCKS CORP COM 855244109 981,138 9,601 SH SOLE 0 0 9,601
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 530,953 711 SH SOLE 0 0 711
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 3,681,587 7,709 SH SOLE 0 0 7,709
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 2,244,579 4,700 SH Put SOLE 0 0 4,700
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 223,232 893 SH SOLE 0 0 893
TAPESTRY INC COM 876030107 223,083 1,524 SH SOLE 0 0 1,524
TARGET CORP COM 87612E106 1,179,800 9,033 SH SOLE 0 0 9,033
TESLA INC COM 88160R101 1,573,044 3,740 SH SOLE 0 0 3,740
TEXAS INSTRS INC COM 882508104 552,324 1,853 SH SOLE 0 0 1,853
TIMKEN CO COM 887389104 214,202 1,474 SH SOLE 0 0 1,474
TRUIST FINL CORP COM 89832Q109 793,583 15,929 SH SOLE 0 0 15,929
TRUST FOR PROFESSIONAL MANAG CONVERGENCE LNG 89834G760 628,664 18,417 SH SOLE 0 0 18,417
UBER TECHNOLOGIES INC COM 90353T100 989,025 13,706 SH SOLE 0 0 13,706
UNILEVER PLC SPON ADR NEW 904767803 420,419 6,993 SH SOLE 0 0 6,993
UNION PAC CORP COM 907818108 422,688 1,554 SH SOLE 0 0 1,554
UNITED PARCEL SVCS INC CL B 911312106 1,900,923 17,683 SH SOLE 0 0 17,683
VALLEY NATL BANCORP COM 919794107 336,423 22,964 SH SOLE 0 0 22,964
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,224,547 23,773 SH SOLE 0 0 23,773
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,316,370 55,402 SH SOLE 0 0 55,402
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 2,850,903 28,339 SH SOLE 0 0 28,339
VANGUARD INDEX FDS GROWTH ETF 922908736 334,395 3,882 SH SOLE 0 0 3,882
VANGUARD INDEX FDS MID CAP ETF 922908629 2,484,886 30,841 SH SOLE 0 0 30,841
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 603,706 879 SH SOLE 0 0 879
VANGUARD INDEX FDS SMALL CP ETF 922908751 309,486 1,021 SH SOLE 0 0 1,021
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,601,751 7,031 SH SOLE 0 0 7,031
VANGUARD INDEX FDS VALUE ETF 922908744 47,095,109 216,102 SH SOLE 0 0 216,102
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 4,042,674 53,418 SH SOLE 0 0 53,418
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 212,039 1,351 SH SOLE 0 0 1,351
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 787,581 15,571 SH SOLE 0 0 15,571
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,036,000 181,924 SH SOLE 0 0 181,924
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 14,403,484 307,701 SH SOLE 0 0 307,701
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 384,086 4,860 SH SOLE 0 0 4,860
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,550,912 19,233 SH SOLE 0 0 19,233
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,124,396 15,781 SH SOLE 0 0 15,781
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 643,125 9,565 SH SOLE 0 0 9,565
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 778,772 4,928 SH SOLE 0 0 4,928
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,812,772 18,460 SH SOLE 0 0 18,460
VANGUARD WORLD FD ENERGY ETF 92204A306 300,260 2,000 SH SOLE 0 0 2,000
VANGUARD WORLD FD MEGA CAP INDEX 921910873 678,329 2,479 SH SOLE 0 0 2,479
VERIZON COMMUNICATIONS INC COM 92343V104 870,002 20,548 SH SOLE 0 0 20,548
VISA INC COM CL A 92826C839 1,040,592 3,033 SH SOLE 0 0 3,033
VISTRA CORP COM 92840M102 228,269 1,439 SH SOLE 0 0 1,439
WALMART INC COM 931142103 3,698,735 32,657 SH SOLE 0 0 32,657
WASTE MGMT INC DEL COM 94106L109 347,024 1,557 SH SOLE 0 0 1,557
WELLS FARGO & CO COM 949746101 405,422 4,906 SH SOLE 0 0 4,906
WELLTOWER INC COM 95040Q104 275,769 1,215 SH SOLE 0 0 1,215
WESTERN DIGITAL CORP COM 958102105 231,217 362 SH SOLE 0 0 362
WISDOMTREE TR INDIA ERNGS FD 97717W422 254,070 5,939 SH SOLE 0 0 5,939
WISDOMTREE TR JAPN HEDGE EQT 97717W851 846,431 4,878 SH SOLE 0 0 4,878
WP CAREY INC COM 92936U109 545,903 7,635 SH SOLE 0 0 7,635