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
Vanguard S&P 500 ETF Equity ETF 922908363 17,616,129 26,200 SH SOLE 0 0 26,200
SPDR Gold Trust Commodity ETF 78463V107 13,846,138 40,511 SH SOLE 0 0 40,511
SPDR Portfolio Short Term Corporate Bond ETF Bond ETF 78464A474 8,634,752 291,929 SH SOLE 0 0 291,929
iShares Short Treasury Bond ETF Bond ETF 464288679 7,192,062 85,385 SH SOLE 0 0 85,385
Vanguard FTSE Developed Markets ETF Equity ETF 921943858 6,165,663 86,707 SH SOLE 0 0 86,707
SPDR S&P Dividend ETF Equity ETF 78464A763 6,061,992 41,113 SH SOLE 0 0 41,113
Invesco S&P 500 Equal Weight Technology ETF Equity ETF 46137V282 5,382,572 91,216 SH SOLE 0 0 91,216
Vanguard Short-Term Corporate Bond ETF Bond ETF 92206C409 5,266,561 88,537 SH SOLE 0 0 88,537
iShares MSCI EMU Fund Equity ETF 464286608 5,130,615 86,238 SH SOLE 0 0 86,238
Vanguard Short-Term Treasury ETF Bond ETF 92206C102 5,111,187 87,995 SH SOLE 0 0 87,995
Vanguard High Dividend Yield ETF Equity ETF 921946406 5,069,834 33,405 SH SOLE 0 0 33,405
SPDR Portfolio Intermediate Term Treasury ETF Bond ETF 78464A672 4,499,761 158,812 SH SOLE 0 0 158,812
iShares Aaa - A Rated Corporate Bond ETF Bond ETF 46429B291 4,433,887 117,982 SH SOLE 0 0 117,982
SPDR S&P 500 ETF Trust Equity ETF 78462F103 4,397,235 5,900 SH SOLE 0 0 5,900
SPDR Bloomberg 1-3 Month T-Bill ETF Bond ETF 78468R663 4,102,571 94,097 SH SOLE 0 0 94,097
iShares MSCI Switzerland Fund Equity ETF 464286749 3,878,272 61,829 SH SOLE 0 0 61,829
Alphabet Inc Ordinary Share 02079K305 3,861,597 10,827 SH SOLE 0 0 10,827
First Trust Global Tactical Commodity Strategy Fund Commodity ETF 33739H101 3,834,264 145,758 SH SOLE 0 0 145,758
SPDR Portfolio Intermediate Term Corporate Bond ETF Bond ETF 78464A375 3,776,579 113,092 SH SOLE 0 0 113,092
iShares Core S&P Total U.S. Stock Market ETF Equity ETF 464287150 3,758,282 28,884 SH SOLE 0 0 28,884
SPDR EURO STOXX 50 ETF Equity ETF 78463X202 3,584,453 61,979 SH SOLE 0 0 61,979
iShares MSCI Global Gold Miners ETF Equity ETF 46434G855 3,240,070 55,260 SH SOLE 0 0 55,260
iShares TIPS Bond ETF USD (D Bond ETF 464287176 2,637,464 24,167 SH SOLE 0 0 24,167
Apple Inc Ordinary Share 037833100 2,453,255 8,495 SH SOLE 0 0 8,495
Vanguard FTSE Emerging Markets ETF Equity ETF 922042858 2,430,181 41,974 SH SOLE 0 0 41,974
iShares Russell Mid-Cap ETF Equity ETF 464287499 2,228,243 21,378 SH SOLE 0 0 21,378
iShares MSCI All Country Asia ex Japan ETF Equity ETF 464288182 2,026,625 21,087 SH SOLE 0 0 21,087
SPDR Portfolio S&P 1500 Composite Stock Market ETF Equity ETF 78464A805 1,645,488 18,160 SH SOLE 0 0 18,160
SPDR Consumers Staples Select Sector ETF Equity ETF 81369Y308 1,592,621 19,210 SH SOLE 0 0 19,210
Invesco International Corporate Bond ETF Bond ETF 46138E636 1,391,361 60,195 SH SOLE 0 0 60,195
Schwab US Small Cap ETF Equity ETF 808524607 1,203,636 36,040 SH SOLE 0 0 36,040
iShares Global Energy ETF Equity ETF 464287341 1,056,610 21,549 SH SOLE 0 0 21,549
iShares US Healthcare ETF Equity ETF 464287762 917,159 19,064 SH SOLE 0 0 19,064
iShares Core High Dividend ETF Equity ETF 46429B663 889,064 32,500 SH SOLE 0 0 32,500
Vanguard Global ex-US Real Est Equity ETF 922042676 863,894 19,300 SH SOLE 0 0 19,300
FT Cboe Vest U.S. Equity Deep Equity ETF 33740U802 862,495 21,140 SH SOLE 0 0 21,140
Invesco QQQ Trust Series I Equity ETF 46090E103 841,511 1,145 SH SOLE 0 0 1,145
TotalEnergies SE Ordinary Share F92124100 772,081 10,475 SH SOLE 0 0 10,475
iShares Russell 3000 ETF Equity ETF 464287689 766,003 1,800 SH SOLE 0 0 1,800
First Trust Exchange-Traded AlphaDEX Fund II Equity ETF 33737J232 732,296 8,945 SH SOLE 0 0 8,945
iShares California Muni Bond USD Bond ETF 464288356 727,031 12,660 SH SOLE 0 0 12,660
First Trust California Municipal High Income ETF Bond ETF 33739P863 725,224 14,635 SH SOLE 0 0 14,635
iShares MSCI Japan Index Equity ETF 46434G822 661,560 7,107 SH SOLE 0 0 7,107
IShares Tr.-S&P Gl.Mat.Ind. Equity ETF 464288695 655,228 6,203 SH SOLE 0 0 6,203
NVIDIA Corp Ordinary Share 67066G104 552,355 2,766 SH SOLE 0 0 2,766
iShares MSCI EAFE Fund Equity ETF 464287465 525,631 5,070 SH SOLE 0 0 5,070
Microsoft Corp Ordinary Share 594918104 505,932 1,359 SH SOLE 0 0 1,359
FT Vest U.S. Equity Max Buffer Equity ETF 33740U612 470,017 13,798 SH SOLE 0 0 13,798
Procter & Gamble Co Ordinary Share 742718109 468,321 3,200 SH SOLE 0 0 3,200
Berkshire Hathaway Inc Ordinary Share 084670702 376,548 754 SH SOLE 0 0 754
Alphabet Inc Ordinary Share 02079K107 345,932 981 SH SOLE 0 0 981
Vanguard California Tax-Exempt Bond ETF 922021605 312,248 3,110 SH SOLE 0 0 3,110
Invesco California AMT-Free Municipal Bond ETF Bond ETF 46138E206 308,705 12,620 SH SOLE 0 0 12,620
iShares MSCI United Kingdom ETF Equity ETF 46435G334 303,722 6,750 SH SOLE 0 0 6,750
Cisco Systems Inc Ordinary Share 17275R102 288,967 2,465 SH SOLE 0 0 2,465
Coca-Cola Co Ordinary Share 191216100 275,123 3,392 SH SOLE 0 0 3,392
Alcon Inc. Ordinary Share H01301128 262,512 3,892 SH SOLE 0 0 3,892
Amazon.com Inc Ordinary Share 023135106 256,423 1,078 SH SOLE 0 0 1,078
Visa Inc Ordinary Share 92826C839 236,264 690 SH SOLE 0 0 690
Booking Holdings Inc Ordinary Share 09857L108 232,677 1,308 SH SOLE 0 0 1,308
Johnson & Johnson Ordinary Share 478160104 231,923 915 SH SOLE 0 0 915
AbbVie Inc Ordinary Share 00287Y109 225,275 897 SH SOLE 0 0 897
Unitedhealth Group Inc Ordinary Share 91324P102 218,604 527 SH SOLE 0 0 527
Mastercard Inc Ordinary Share 57636Q104 209,647 409 SH SOLE 0 0 409