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
BNY MELLON ETF TRUST ULTRA SHORT INCM 09661T859 2,094,714 42,090 SH SOLE 42,090 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 11,427,018 261,428 SH SOLE 261,428 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,303,241 32,334 SH SOLE 32,334 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 7,327,356 73,018 SH SOLE 73,018 0 0
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 7,262,971 137,765 SH SOLE 137,765 0 0
ISHARES TR CORE INTL AGGR 46435G672 5,365,978 106,047 SH SOLE 106,047 0 0
ISHARES INC CORE MSCI EMKT 46434G103 17,057,796 205,913 SH SOLE 205,913 0 0
ISHARES TR CORE S&P500 ETF 464287200 44,356,691 59,230 SH SOLE 59,230 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 25,999,898 563,378 SH SOLE 563,378 0 0
ISHARES GOLD TR ISHARES NEW 464285204 4,608,224 61,028 SH SOLE 61,028 0 0
ISHARES TR MBS ETF 464288588 8,053,707 85,206 SH SOLE 85,206 0 0
ISHARES TR EAFE VALUE ETF 464288877 18,177,191 237,455 SH SOLE 237,455 0 0
ISHARES TR MSCI USA MMENTM 46432F396 12,643,640 36,880 SH SOLE 36,880 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 19,877,625 90,588 SH SOLE 90,588 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 25,952,014 188,701 SH SOLE 188,701 0 0
ISHARES TR S&P 500 VAL ETF 464287408 18,953,269 83,473 SH SOLE 83,473 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 25,589,443 376,260 SH SOLE 376,260 0 0
ISHARES TR U.S. TECH ETF 464287721 6,384,965 25,314 SH SOLE 25,314 0 0
ALLSTATE CORP COM 020002101 766,969 3,223 SH SOLE 3,223 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,623,265 3,244 SH SOLE 3,244 0 0
BRINKER INTL INC COM 109641100 666,456 3,967 SH SOLE 3,967 0 0
CARNIVAL CORP LTD COMMON SHARES G2004J103 599,909 20,998 SH SOLE 20,998 0 0
CELESTICA INC COM 15101Q207 1,173,926 3,218 SH SOLE 3,218 0 0
COEUR MNG INC COM NEW 192108504 495,851 30,383 SH SOLE 30,383 0 0
COVISTA INC COM 00737L103 633,771 5,084 SH SOLE 5,084 0 0
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 1,388,577 5,106 SH SOLE 5,106 0 0
DYCOM INDS INC COM 267475101 607,214 1,201 SH SOLE 1,201 0 0
EZCORP INC CL A NON VTG 302301106 917,073 26,528 SH SOLE 26,528 0 0
KINROSS GOLD CORP COM 496902404 410,894 17,396 SH SOLE 17,396 0 0
LUMENTUM HLDGS INC COM 55024U109 598,068 697 SH SOLE 697 0 0
MANULIFE FINL CORP COM 56501R106 737,201 18,198 SH SOLE 18,198 0 0
MICRON TECHNOLOGY INC COM 595112103 2,373,220 2,056 SH SOLE 2,056 0 0
NEXA RES S A COM L67359106 325,413 26,586 SH SOLE 26,586 0 0
PAR PAC HOLDINGS INC COM NEW 69888T207 613,291 10,936 SH SOLE 10,936 0 0
SSR MINING IN COM 784730103 719,330 25,436 SH SOLE 25,436 0 0
STERLING INFRASTRUCTURE INC COM 859241101 2,868,932 3,418 SH SOLE 3,418 0 0
SYNCHRONY FINANCIAL COM 87165B103 871,237 11,456 SH SOLE 11,456 0 0
TTM TECHNOLOGIES INC COM 87305R109 1,160,085 6,203 SH SOLE 6,203 0 0
TWILIO INC CL A 90138F102 846,159 4,101 SH SOLE 4,101 0 0
UBER TECHNOLOGIES INC COM 90353T100 533,262 7,390 SH SOLE 7,390 0 0
UNITED NAT FOODS INC COM 911163103 674,957 14,779 SH SOLE 14,779 0 0
VISTANCE NETWORKS INC COM 20337X109 527,431 41,270 SH SOLE 41,270 0 0
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 4,891,861 93,463 SH SOLE 93,463 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,712,178 17,754 SH SOLE 17,754 0 0
ALPHABET INC CAP STK CL C 02079K107 441,006 1,248 SH SOLE 1,248 0 0
AMAZON COM INC COM 023135106 1,478,671 6,204 SH SOLE 6,204 0 0
ISHARES TR EAFE GRWTH ETF 464288885 360,694 2,899 SH SOLE 2,899 0 0
ISHARES TR S&P 100 ETF 464287101 336,715 920 SH SOLE 920 0 0
NVIDIA CORPORATION COM 67066G104 1,861,238 9,302 SH SOLE 9,302 0 0
TESLA INC COM 88160R101 595,308 1,415 SH SOLE 1,415 0 0
ABBVIE INC COM 00287Y109 367,709 1,461 SH SOLE 1,461 0 0
ADVANCED MICRO DEVICES INC COM 007903107 356,098 613 SH SOLE 613 0 0
ALPHABET INC CAP STK CL A 02079K305 2,378,297 6,655 SH SOLE 6,655 0 0
AMERICAN EXPRESS CO COM 025816109 847,104 2,504 SH SOLE 2,504 0 0
APPLE INC COM 037833100 3,993,572 13,801 SH SOLE 13,801 0 0
APPLIED MATLS INC COM 038222105 424,401 587 SH SOLE 587 0 0
BLACKROCK INC COM 09290D101 697,251 725 SH SOLE 725 0 0
BROADCOM INC COM 11135F101 483,147 1,279 SH SOLE 1,279 0 0
CATERPILLAR INC COM 149123101 205,364 193 SH SOLE 193 0 0
CITIZENS FINL GROUP INC COM 174610105 345,585 4,932 SH SOLE 4,932 0 0
COCA COLA CO COM 191216100 864,724 10,640 SH SOLE 10,640 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,058,908 1,132 SH SOLE 1,132 0 0
DELTA AIR LINES INC COM NEW 247361702 1,132,162 12,088 SH SOLE 12,088 0 0
ELI LILLY & CO COM 532457108 1,183,162 986 SH SOLE 986 0 0
EXXON MOBIL CORP COM 30231G102 400,975 2,933 SH SOLE 2,933 0 0
FEDEX CORP COM 31428X106 769,360 2,457 SH SOLE 2,457 0 0
GE AEROSPACE COM NEW 369604301 212,279 568 SH SOLE 568 0 0
ISHARES INC MSCI EMRG CHN 46434G764 247,668 2,421 SH SOLE 2,421 0 0
JOHNSON & JOHNSON COM 478160104 295,113 1,162 SH SOLE 1,162 0 0
JPMORGAN CHASE & CO COM 46625H100 1,195,325 3,652 SH SOLE 3,652 0 0
LAM RESEARCH CORP COM NEW 512807306 529,963 1,223 SH SOLE 1,223 0 0
MARRIOTT INTL INC NEW CL A 571903202 952,572 2,570 SH SOLE 2,570 0 0
META PLATFORMS INC CL A 30303M102 445,489 791 SH SOLE 791 0 0
NETFLIX INC. COM 64110L106 557,485 7,808 SH SOLE 7,808 0 0
PROCTER & GAMBLE CO COM 742718109 593,610 4,048 SH SOLE 4,048 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 964,847 954 SH SOLE 954 0 0
HOME DEPOT INC COM 437076102 625,302 1,773 SH SOLE 1,773 0 0
WALMART INC COM 931142103 1,196,332 10,563 SH SOLE 10,563 0 0
BLACKROCK ETF TRUST DYNAMIC EQTY ACT 09290C723 419,183 15,111 SH SOLE 15,111 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,079,869 120,564 SH SOLE 120,564 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 271,682 1,426 SH SOLE 1,426 0 0
CAPITAL ONE FINL CORP COM 14040H105 218,676 1,090 SH SOLE 1,090 0 0
MICROSOFT CORP COM 594918104 1,321,998 3,544 SH SOLE 3,544 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,403,215 6,439 SH SOLE 6,439 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 405,603 5,004 SH SOLE 5,004 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 493,388 670 SH SOLE 670 0 0
NIKE INC CL B 654106103 308,366 7,512 SH SOLE 7,512 0 0
SALESFORCE INC COM 79466L302 1,455,685 9,292 SH SOLE 9,292 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,949,279 70,371 SH SOLE 70,371 0 0
STARBUCKS CORP COM 855244109 461,646 4,518 SH SOLE 4,518 0 0
DISNEY WALT CO COM 254687106 384,830 3,998 SH SOLE 3,998 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,455,267 6,714 SH SOLE 6,714 0 0
GENERAL MTRS CO COM 37045V100 350,444 4,546 SH SOLE 4,546 0 0
TARGET CORP COM 87612E106 201,263 1,541 SH SOLE 1,541 0 0
DIMENSIONAL ETF TRUST US HIGH PROF ETF 25434V831 208,817 5,004 SH SOLE 5,004 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 244,714 2,972 SH SOLE 2,972 0 0
ISHARES TR US TREAS BD ETF 46429B267 428,856 18,826 SH SOLE 18,826 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 345,599 6,834 SH SOLE 6,834 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,745,302 48,133 SH SOLE 48,133 0 0
INTEL CORP COM 458140100 457,288 3,275 SH SOLE 3,275 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 2,519,426 21,517 SH SOLE 21,517 0 0
FLEXSHARES TR CR SCD US BD 33939L761 576,267 11,872 SH SOLE 11,872 0 0
RYDER SYS INC COM 783549108 302,544 1,147 SH SOLE 1,147 0 0
FLEX LTD ORD Y2573F102 227,060 1,401 SH SOLE 1,401 0 0
JABIL INC COM 466313103 203,161 527 SH SOLE 527 0 0
WELLS FARGO & CO COM 949746101 285,594 3,456 SH SOLE 3,456 0 0
APPLOVIN CORP COM CL A 03831W108 406,516 789 SH SOLE 789 0 0
POWELL INDS INC COM 739128106 359,955 1,257 SH SOLE 1,257 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 502,851 673 SH SOLE 673 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,375,837 3,718 SH SOLE 3,718 0 0
BLACKROCK ETF TRUST DISC VOLA EQ ETF 09290C715 225,911 8,696 SH SOLE 8,696 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 530,061 5,497 SH SOLE 5,497 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 714,581 2,941 SH SOLE 2,941 0 0
AFFILIATED MANAGERS GROUP COM 008252108 247,370 731 SH SOLE 731 0 0
EXPEDIA GROUP INC COM NEW 30212P303 219,033 856 SH SOLE 856 0 0
STATE STR CORP COM 857477103 271,699 1,602 SH SOLE 1,602 0 0
VISTRA CORP COM 92840M102 390,071 2,459 SH SOLE 2,459 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 328,778 956 SH SOLE 956 0 0
ISHARES TR CONV BD ETF 46435G102 317,985 2,612 SH SOLE 2,612 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 437,036 14,850 SH SOLE 14,850 0 0
STATE STR SPDR S&P 500 ETF T PUT 78462F953 10,678,811 14,300 SH Put SOLE 143 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 221,608 6,989 SH SOLE 6,989 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,601,797 9,751 SH SOLE 9,751 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 509,207 6,985 SH SOLE 6,985 0 0
ISHARES TR CORE DIV GRWTH 46434V621 237,374 3,132 SH SOLE 3,132 0 0