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
ABBVIE INC COM 00287Y109 241,574 960 SH SOLE 0 0 960
ADVANCED MICRO DEVICES INC COM 007903107 683,150 1,176 SH SOLE 0 0 1,176
AIRBNB INC COM CL A 009066101 2,784,154 19,456 SH SOLE 0 0 19,456
ALPHABET INC CAP STK CL C 02079K107 3,130,857 8,861 SH SOLE 0 0 8,861
ALPHABET INC CAP STK CL A 02079K305 564,645 1,580 SH SOLE 0 0 1,580
ALTRIA GROUP INC COM 02209S103 238,874 3,320 SH SOLE 0 0 3,320
AMAZON COM INC COM 023135106 2,722,081 11,421 SH SOLE 0 0 11,421
AMERICAN TOWER CORP COM 03027X100 269,236 1,646 SH SOLE 0 0 1,646
AMGEN INC COM 031162100 211,116 583 SH SOLE 0 0 583
AMPHENOL CORP CL A 032095101 229,216 1,300 SH SOLE 0 0 1,300
APPLE INC COM 037833100 12,804,469 44,251 SH SOLE 0 0 44,251
BANK OF AMER CORP COM 060505104 206,439 3,623 SH SOLE 0 0 3,623
BANK OF NY MELLON CORP COM 064058100 212,143 1,467 SH SOLE 0 0 1,467
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 921,718 1,842 SH SOLE 0 0 1,842
BLOCK INC CL A 852234103 2,620,860 34,485 SH SOLE 0 0 34,485
BROADCOM INC COM 11135F101 1,193,312 3,159 SH SOLE 0 0 3,159
CISCO SYS INC COM 17275R102 459,269 3,910 SH SOLE 0 0 3,910
CITIGROUP INC COM NEW 172967424 431,357 3,082 SH SOLE 0 0 3,082
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 783,310 15,154 SH SOLE 0 0 15,154
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,583,814 64,258 SH SOLE 0 0 64,258
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 2,487,207 30,354 SH SOLE 0 0 30,354
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 501,880 19,185 SH SOLE 0 0 19,185
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 594,735 13,407 SH SOLE 0 0 13,407
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 387,316 5,541 SH SOLE 0 0 5,541
DISNEY WALT CO COM 254687106 208,670 2,168 SH SOLE 0 0 2,168
ELI LILLY & CO COM 532457108 334,641 279 SH SOLE 0 0 279
EQUINIX INC COM 29444U700 277,276 266 SH SOLE 0 0 266
EXXON MOBIL CORP COM 30231G102 249,104 1,822 SH SOLE 0 0 1,822
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 8,182,868 117,773 SH SOLE 0 0 117,773
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 6,842,562 66,536 SH SOLE 0 0 66,536
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 2,509,783 47,769 SH SOLE 0 0 47,769
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 2,986,033 101,016 SH SOLE 0 0 101,016
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 8,003,200 104,535 SH SOLE 0 0 104,535
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 7,889,852 102,134 SH SOLE 0 0 102,134
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 7,943,698 79,748 SH SOLE 0 0 79,748
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 29,772,572 104,253 SH SOLE 0 0 104,253
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 1,350,937 23,089 SH SOLE 0 0 23,089
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 2,615,347 44,768 SH SOLE 0 0 44,768
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 1,940,107 81,620 SH SOLE 0 0 81,620
GE AEROSPACE COM NEW 369604301 307,206 822 SH SOLE 0 0 822
INTEL CORP COM 458140100 315,564 2,260 SH SOLE 0 0 2,260
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 579,920 5,500 SH SOLE 0 0 5,500
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 500,691 5,418 SH SOLE 0 0 5,418
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 175,320 10,700 SH SOLE 0 0 10,700
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 273,909 13,450 SH SOLE 0 0 13,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 247,968 12,700 SH SOLE 0 0 12,700
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609 1,255,197 35,558 SH SOLE 0 0 35,558
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 3,540,080 45,649 SH SOLE 0 0 45,649
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 10,427,006 161,659 SH SOLE 0 0 161,659
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 877,515 29,270 SH SOLE 0 0 29,270
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 1,929,674 34,456 SH SOLE 0 0 34,456
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 2,381,084 71,741 SH SOLE 0 0 71,741
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 283,888 2,898 SH SOLE 0 0 2,898
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 266,219 4,160 SH SOLE 0 0 4,160
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 4,113,304 76,130 SH SOLE 0 0 76,130
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 234,510 6,069 SH SOLE 0 0 6,069
INVESCO QQQ TR UNIT SER 1 46090E103 279,096 379 SH SOLE 0 0 379
ISHARES INC CORE MSCI EMKT 46434G103 243,964 2,945 SH SOLE 0 0 2,945
ISHARES TR IBONDS DEC 2031 46436E460 4,566,453 226,174 SH SOLE 0 0 226,174
ISHARES TR MSCI USA QLT FCT 46432F339 6,632,984 30,519 SH SOLE 0 0 30,519
ISHARES TR IBONDS 26 TRM TS 46436E858 515,735 22,531 SH SOLE 0 0 22,531
ISHARES TR IBONDS DEC 2032 46436E296 4,920,594 216,814 SH SOLE 0 0 216,814
ISHARES TR TRS FLT RT BD 46434V860 4,339,194 85,704 SH SOLE 0 0 85,704
ISHARES TR IBONDS 28 TRM TS 46436E833 320,366 14,470 SH SOLE 0 0 14,470
ISHARES TR IBONDS OCT 2031 46438G877 4,344,896 165,268 SH SOLE 0 0 165,268
ISHARES TR 7-10 YR TRSY BD 464287440 319,936 3,394 SH SOLE 0 0 3,394
ISHARES TR RUS TP200 GR ETF 464289438 700,685 2,411 SH SOLE 0 0 2,411
ISHARES TR RUS TP200 VL ETF 464289420 393,404 3,741 SH SOLE 0 0 3,741
ISHARES TR MSCI INTL QUALTY 46434V456 1,541,302 31,106 SH SOLE 0 0 31,106
ISHARES TR 20 YR TR BD ETF 464287432 2,844,255 32,912 SH SOLE 0 0 32,912
ISHARES TR FALN ANGLS USD 46435G474 734,009 26,946 SH SOLE 0 0 26,946
ISHARES TR IBONDS DEC 2031 46436E486 1,038,145 49,815 SH SOLE 0 0 49,815
ISHARES TR IBONDS DEC2026 46435GAA0 335,586 13,850 SH SOLE 0 0 13,850
ISHARES TR IBOND DEC 2030 46436E593 957,499 49,002 SH SOLE 0 0 49,002
ISHARES TR IBONDS 27 ETF 46435UAA9 302,750 12,500 SH SOLE 0 0 12,500
ISHARES TR IBDS DEC28 ETF 46435U515 211,469 8,375 SH SOLE 0 0 8,375
ISHARES TR IBONDS 27 TRM TS 46436E841 326,602 14,600 SH SOLE 0 0 14,600
ISHARES TR IBONDS DEC 2030 46436E726 368,420 16,900 SH SOLE 0 0 16,900
ISHARES TR IBONDS OCT 2032 46438G869 379,588 14,600 SH SOLE 0 0 14,600
ISHARES TR DOW JONES US ETF 464287846 399,193 2,190 SH SOLE 0 0 2,190
JOHNSON & JOHNSON COM 478160104 300,954 1,185 SH SOLE 0 0 1,185
JPMORGAN CHASE & CO COM 46625H100 565,299 1,727 SH SOLE 0 0 1,727
LAM RESEARCH CORP COM NEW 512807306 489,230 1,129 SH SOLE 0 0 1,129
MASTERCARD INCORPORATED CL A 57636Q104 350,275 682 SH SOLE 0 0 682
MERCK & CO INC COM 58933Y105 251,989 1,961 SH SOLE 0 0 1,961
META PLATFORMS INC CL A 30303M102 1,108,555 1,968 SH SOLE 0 0 1,968
MICRON TECHNOLOGY INC COM 595112103 303,578 263 SH SOLE 0 0 263
MICROSOFT CORP COM 594918104 1,794,226 4,810 SH SOLE 0 0 4,810
NVIDIA CORPORATION COM 67066G104 2,479,715 12,393 SH SOLE 0 0 12,393
PALANTIR TECHNOLOGIES INC CL A 69608A108 734,321 6,294 SH SOLE 0 0 6,294
PALO ALTO NETWORKS INC COM 697435105 218,253 640 SH SOLE 0 0 640
PIMCO ETF TR 15+ YR US TIPS 72201R304 5,990,173 118,266 SH SOLE 0 0 118,266
PROCTER & GAMBLE CO COM 742718109 281,989 1,923 SH SOLE 0 0 1,923
PROLOGIS INC. COM 74340W103 333,798 2,464 SH SOLE 0 0 2,464
PUBLIC STORAGE COM 74460D109 333,907 1,049 SH SOLE 0 0 1,049
REALTY INCOME CORP COM 756109104 359,926 5,809 SH SOLE 0 0 5,809
SALESFORCE INC COM 79466L302 226,530 1,446 SH SOLE 0 0 1,446
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 452,546 9,350 SH SOLE 0 0 9,350
SCHWAB STRATEGIC TR US REIT ETF 808524847 918,287 38,779 SH SOLE 0 0 38,779
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 2,911,742 76,504 SH SOLE 0 0 76,504
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,546,354 49,722 SH SOLE 0 0 49,722
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 2,211,152 72,592 SH SOLE 0 0 72,592
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,064,695 33,576 SH SOLE 0 0 33,576
SCHWAB STRATEGIC TR US TIPS ETF 808524870 487,600 18,400 SH SOLE 0 0 18,400
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 4,735,756 24,857 SH SOLE 0 0 24,857
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 720,577 14,300 SH SOLE 0 0 14,300
TERADYNE INC COM 880770102 408,845 845 SH SOLE 0 0 845
TESLA INC COM 88160R101 717,964 1,707 SH SOLE 0 0 1,707
UNITEDHEALTH GROUP INC COM 91324P102 201,581 485 SH SOLE 0 0 485
VANGUARD INDEX FDS GROWTH ETF 922908736 7,226,021 83,698 SH SOLE 0 0 83,698
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 574,423 2,907 SH SOLE 0 0 2,907
VANGUARD INDEX FDS SM CP VAL ETF 922908611 345,775 1,423 SH SOLE 0 0 1,423
VANGUARD INDEX FDS VALUE ETF 922908744 701,299 3,218 SH SOLE 0 0 3,218
VANGUARD INDEX FDS LARGE CAP ETF 922908637 539,939 1,570 SH SOLE 0 0 1,570
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,246,579 11,476 SH SOLE 0 0 11,476
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,606,568 67,871 SH SOLE 0 0 67,871
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,381,878 26,971 SH SOLE 0 0 26,971
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,057,421 14,841 SH SOLE 0 0 14,841
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 797,186 2,010 SH SOLE 0 0 2,010
VANGUARD WORLD FD ENERGY ETF 92204A306 410,305 2,733 SH SOLE 0 0 2,733
VANGUARD WORLD FD MATERIALS ETF 92204A801 372,699 1,629 SH SOLE 0 0 1,629
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 487,386 1,630 SH SOLE 0 0 1,630
VANGUARD WORLD FD COMM SRVC ETF 92204A884 405,242 2,203 SH SOLE 0 0 2,203
VANGUARD WORLD FD INF TECH ETF 92204A702 545,967 4,568 SH SOLE 0 0 4,568
VERIZON COMMUNICATIONS INC COM 92343V104 274,490 6,483 SH SOLE 0 0 6,483
VISA INC COM CL A 92826C839 558,894 1,629 SH SOLE 0 0 1,629
WALMART INC COM 931142103 332,531 2,936 SH SOLE 0 0 2,936
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,713,444 55,515 SH SOLE 0 0 55,515
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 6,679,019 132,652 SH SOLE 0 0 132,652