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
ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF ETF 09290C103 67,576,752 993,630 SH SOLE 0 0 993,630
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 33,156,597 277,415 SH SOLE 0 0 277,415
VANGUARD MORNINGSTAR MID-CAP VALUE ETF ETF 922908512 27,068,740 136,988 SH SOLE 0 0 136,988
ISHARES GOLD TRUST ETF 464285204 26,830,817 355,328 SH SOLE 0 0 355,328
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274 26,804,247 654,401 SH SOLE 0 0 654,401
ISHARES FLEXIBLE INCOME ACTIVE ETF ETF 092528603 26,624,477 508,683 SH SOLE 0 0 508,683
ISHARES A.I. INNOVATION AND TECH ACTIVE ETF ETF 09290C780 20,622,430 391,169 SH SOLE 0 0 391,169
NVIDIA CORPORATION COM Stock 67066G104 19,964,380 99,777 SH SOLE 0 0 99,777
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 18,550,955 223,937 SH SOLE 0 0 223,937
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 16,706,720 48,732 SH SOLE 0 0 48,732
VANECK J. P. MORGAN EM LOCAL CURRENCY BOND ETF ETF 92189H300 16,633,215 650,752 SH SOLE 0 0 650,752
ISHARES MSCI INDIA ETF ETF 46429B598 13,387,752 271,062 SH SOLE 0 0 271,062
TESLA INC COM Stock 88160R101 12,739,133 30,288 SH SOLE 0 0 30,288
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 9,906,859 134,952 SH SOLE 0 0 134,952
HDFC BANK LTD SPONSORED ADS ADR 40415F101 9,072,219 351,228 SH SOLE 0 0 351,228
AURORA INNOVATION INC CLASS A COM Stock 051774107 8,038,413 1,178,653 SH SOLE 0 0 1,178,653
STATE STREET SPDR S&P METALS & MINING ETF ETF 78464A755 7,794,316 72,892 SH SOLE 0 0 72,892
VANGUARD SHORT-TERM BOND ETF ETF 921937827 7,296,337 93,651 SH SOLE 0 0 93,651
APPLE INC COM Stock 037833100 5,718,911 19,764 SH SOLE 0 0 19,764
BLOOM ENERGY CORP COM CL A Stock 093712107 4,840,638 15,992 SH SOLE 0 0 15,992
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 4,382,416 8,758 SH SOLE 0 0 8,758
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,903,734 77,195 SH SOLE 0 0 77,195
CRISPR THERAPEUTICS AG NAMEN AKT Stock H17182108 3,766,532 69,060 SH SOLE 0 0 69,060
ROCKET LAB CORP COM Stock 773121108 3,151,353 31,002 SH SOLE 0 0 31,002
AMAZON COM INC COM Stock 023135106 2,128,376 8,930 SH SOLE 0 0 8,930
META PLATFORMS INC CL A Stock 30303M102 2,034,280 3,611 SH SOLE 0 0 3,611
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 1,466,912 10,729 SH SOLE 0 0 10,729
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 1,437,685 14,281 SH SOLE 0 0 14,281
MICROSOFT CORP COM Stock 594918104 1,377,190 3,692 SH SOLE 0 0 3,692
UBER TECHNOLOGIES INC COM Stock 90353T100 1,324,858 18,360 SH SOLE 0 0 18,360
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 1,285,448 8,190 SH SOLE 0 0 8,190
GE AEROSPACE COM NEW Stock 369604301 1,281,520 3,429 SH SOLE 0 0 3,429
PHILIP MORRIS INTL INC COM Stock 718172109 1,266,370 7,000 SH SOLE 0 0 7,000
ALTRIA GROUP INC COM Stock 02209S103 1,208,760 16,800 SH SOLE 0 0 16,800
SERVICETITAN INC SHS CL A Stock 81764X103 1,186,231 16,776 SH SOLE 0 0 16,776
VERIZON COMMUNICATIONS INC COM Stock 92343V104 1,124,339 26,555 SH SOLE 0 0 26,555
AT&T INC COM Stock 00206R102 1,078,284 52,091 SH SOLE 0 0 52,091
GE VERNOVA INC COM Stock 36828A101 995,106 847 SH SOLE 0 0 847
ISHARES SHORT DURATION BOND ACTIVE ETF ETF 46431W507 916,513 18,091 SH SOLE 0 0 18,091
ALLSTATE CORP COM Stock 020002101 887,754 3,731 SH SOLE 0 0 3,731
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF ETF 922908769 857,515 2,317 SH SOLE 0 0 2,317
THE CIGNA GROUP COM Stock 125523100 819,255 2,972 SH SOLE 0 0 2,972
PROGRESSIVE CORP COM Stock 743315103 795,376 3,641 SH SOLE 0 0 3,641
INVESCO QQQ TRUST SERIES I ETF 46090E103 745,237 1,012 SH SOLE 0 0 1,012
AMERICAN WTR WKS CO INC NEW COM Stock 030420103 714,592 5,431 SH SOLE 0 0 5,431
COCA COLA CO COM Stock 191216100 714,119 8,787 SH SOLE 0 0 8,787
NOVARTIS AG SPONSORED ADR ADR 66987V109 681,105 4,346 SH SOLE 0 0 4,346
ORACLE CORP COM Stock 68389X105 679,113 4,634 SH SOLE 0 0 4,634
CHEVRON CORPORATION COM Stock 166764100 660,580 3,985 SH SOLE 0 0 3,985
AMERICAN ELEC PWR CO INC COM Stock 025537101 638,833 4,669 SH SOLE 0 0 4,669
EXELON CORP COM Stock 30161N101 554,744 11,899 SH SOLE 0 0 11,899
PEPSICO INC COM Stock 713448108 554,598 4,096 SH SOLE 0 0 4,096
ABBVIE INC COM Stock 00287Y109 526,934 2,094 SH SOLE 0 0 2,094
CVS HEALTH CORP COM Stock 126650100 513,836 4,967 SH SOLE 0 0 4,967
CENTERPOINT ENERGY INC COM Stock 15189T107 470,171 10,676 SH SOLE 0 0 10,676
XCEL ENERGY INC COM Stock 98389B100 466,061 5,804 SH SOLE 0 0 5,804
CINCINNATI FINL CORP COM Stock 172062101 457,851 2,473 SH SOLE 0 0 2,473
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 426,254 3,367 SH SOLE 0 0 3,367
MCDONALDS CORP COM Stock 580135101 397,626 1,471 SH SOLE 0 0 1,471
NEXTERA ENERGY INC COM Stock 65339F101 387,668 4,417 SH SOLE 0 0 4,417
DEVON ENERGY CORP NEW COM Stock 25179M103 384,830 9,313 SH SOLE 0 0 9,313
RENAISSANCERE HLDGS LTD COM Stock G7496G103 362,851 1,145 SH SOLE 0 0 1,145
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 353,790 7,803 SH SOLE 0 0 7,803
HERSHEY CO COM Stock 427866108 347,742 1,982 SH SOLE 0 0 1,982
ICICI BANK LIMITED ADR ADR 45104G104 330,390 11,381 SH SOLE 0 0 11,381
ATMOS ENERGY CORP COM Stock 049560105 327,172 1,899 SH SOLE 0 0 1,899
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF ETF 092528884 322,416 6,380 SH SOLE 0 0 6,380
REDDIT INC CL A Stock 75734B100 319,040 1,838 SH SOLE 0 0 1,838
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 311,110 6,151 SH SOLE 0 0 6,151
QUANTUMSCAPE CORP COM CL A Stock 74767V109 310,271 41,041 SH SOLE 0 0 41,041
TRAVELERS COMPANIES INC COM Stock 89417E109 308,002 933 SH SOLE 0 0 933
DIAMONDBACK ENERGY INC COM Stock 25278X109 291,443 1,658 SH SOLE 0 0 1,658
BP PLC SPONSORED ADR ADR 055622104 289,377 7,832 SH SOLE 0 0 7,832
ALPHABET INC CAP STK CL C Stock 02079K107 274,690 777 SH SOLE 0 0 777
GQG US EQUITY ETF ETF 00775Y256 274,651 10,813 SH SOLE 0 0 10,813
STATE STR CORP COM Stock 857477103 241,002 1,421 SH SOLE 0 0 1,421
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 233,040 586 SH SOLE 0 0 586
VANGUARD S&P 500 ETF ETF 922908363 210,765 307 SH SOLE 0 0 307
MCKESSON CORP COM Stock 58155Q103 206,279 273 SH SOLE 0 0 273