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 231,246 884 SH SOLE 0 0 884
ADOBE INC COM 00724F101 238,500 994 SH SOLE 0 0 994
ADVANCED MICRO DEVICES INC COM 007903107 1,692,128 2,766 SH SOLE 0 0 2,766
ALPHABET INC CAP STK CL C 02079K107 2,129,026 6,248 SH SOLE 0 0 6,248
ALPHABET INC CAP STK CL A 02079K305 1,616,207 4,697 SH SOLE 0 0 4,697
AMAZON COM INC COM 023135106 1,651,615 6,629 SH SOLE 0 0 6,629
AMERICAN EXPRESS CO COM 025816109 299,843 986 SH SOLE 0 0 986
AMERIPRISE FINL INC COM 03076C106 271,285 551 SH SOLE 0 0 551
AMPHENOL CORP CL A 032095101 1,227,577 14,562 SH SOLE 0 0 14,562
ANALOG DEVICES INC COM 032654105 443,918 1,119 SH SOLE 0 0 1,119
APPLE INC COM 037833100 4,167,132 12,513 SH SOLE 0 0 12,513
APPLIED MATLS INC COM 038222105 382,001 747 SH SOLE 0 0 747
ASML HLDG NV N Y REGISTRY SHS N07059210 371,392 205 SH SOLE 0 0 205
ASTRAZENECA PLC ORD G0593M107 299,850 1,857 SH SOLE 0 0 1,857
BANK OF AMER CORP COM 060505104 360,324 6,620 SH SOLE 0 0 6,620
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 255,946 514 SH SOLE 0 0 514
BROADCOM INC COM 11135F101 641,128 1,826 SH SOLE 0 0 1,826
CATERPILLAR INC COM 149123101 409,449 505 SH SOLE 0 0 505
CHEVRON CORPORATION COM 166764100 290,591 1,423 SH SOLE 0 0 1,423
CISCO SYS INC COM 17275R102 333,868 3,102 SH SOLE 0 0 3,102
CITIGROUP INC COM NEW 172967424 260,773 2,014 SH SOLE 0 0 2,014
CONSTELLATION ENERGY CORP COM 21037T109 716,590 2,821 SH SOLE 0 0 2,821
COSTCO WHOLESALE CORPORATION COM 22160K105 859,361 944 SH SOLE 0 0 944
DANAHER CORP DEL COM 235851102 350,271 1,581 SH SOLE 0 0 1,581
DELL TECHNOLOGIES INC CL C 24703L202 338,909 630 SH SOLE 0 0 630
DEXCOM INC COM 252131107 342,658 3,971 SH SOLE 0 0 3,971
DRAFTKINGS INC NEW COM CL A 26142V105 982,699 51,721 SH SOLE 0 0 51,721
EATON CORP PLC SHS G29183103 231,614 539 SH SOLE 0 0 539
ELI LILLY & CO COM 532457108 365,637 316 SH SOLE 0 0 316
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 227,355 11,500 SH SOLE 0 0 11,500
EXELON CORP COM 30161N101 317,786 7,866 SH SOLE 0 0 7,866
EXXONMOBIL HOLDINGS CORP COM 30233Q108 739,373 4,543 SH SOLE 0 0 4,543
GE AEROSPACE COM NEW 369604301 291,255 933 SH SOLE 0 0 933
GILEAD SCIENCES INC COM 375558103 347,678 2,333 SH SOLE 0 0 2,333
HEWLETT PACKARD ENTERPRISE C COM 42824C109 227,129 3,555 SH SOLE 0 0 3,555
INTERNATIONAL BUSINESS MACHS COM 459200101 244,342 1,111 SH SOLE 0 0 1,111
INTUIT COM 461202103 223,877 812 SH SOLE 0 0 812
INTUITIVE SURGICAL INC COM NEW 46120E602 465,591 1,145 SH SOLE 0 0 1,145
INVESCO QQQ TR UNIT SER 1 46090E103 2,757,816 3,728 SH SOLE 0 0 3,728
ISHARES INC MSCI GBL MIN VOL 464286525 272,583 2,221 SH SOLE 0 0 2,221
ISHARES INC CORE MSCI EMKT 46434G103 21,281,139 262,212 SH SOLE 0 0 262,212
ISHARES TR SHRT NAT MUN ETF 464288158 603,091 5,769 SH SOLE 0 0 5,769
ISHARES TR CORE MSCI EAFE 46432F842 13,971,321 144,213 SH SOLE 0 0 144,213
ISHARES TR NATIONAL MUN ETF 464288414 10,800,166 106,827 SH SOLE 0 0 106,827
ISHARES TR S&P 500 VAL ETF 464287408 504,271 2,209 SH SOLE 0 0 2,209
ISHARES TR CORE MSCI INTL 46435G326 39,383,025 440,132 SH SOLE 0 0 440,132
ISHARES TR S&P 500 GRWT ETF 464287309 534,044 3,754 SH SOLE 0 0 3,754
ISHARES TR RUS 2000 VAL ETF 464287630 1,544,225 7,373 SH SOLE 0 0 7,373
ISHARES TR MSCI USA MIN ETF 46429B697 885,827 9,091 SH SOLE 0 0 9,091
ISHARES TR MSCI EAFE MIN VL 46429B689 315,275 3,460 SH SOLE 0 0 3,460
ISHARES TR RUS 2000 GRW ETF 464287648 1,371,517 3,843 SH SOLE 0 0 3,843
JOHNSON & JOHNSON COM 478160104 429,938 1,624 SH SOLE 0 0 1,624
JPMORGAN CHASE & CO COM 46625H100 883,520 2,671 SH SOLE 0 0 2,671
KAYNE ANDERSON BDC INC COM SHS 48662X105 187,157 14,901 SH SOLE 0 0 14,901
KROGER CO COM 501044101 201,360 3,435 SH SOLE 0 0 3,435
LAM RESEARCH CORP COM NEW 512807306 245,068 746 SH SOLE 0 0 746
MARATHON PETE CORP COM 56585A102 593,130 1,500 SH SOLE 0 0 1,500
MASTERCARD INCORPORATED CL A 57636Q104 778,124 1,411 SH SOLE 0 0 1,411
MERCK & CO INC COM 58933Y105 385,653 2,654 SH SOLE 0 0 2,654
META PLATFORMS INC CL A 30303M102 821,201 1,132 SH SOLE 0 0 1,132
MICRON TECHNOLOGY INC COM 595112103 541,076 508 SH SOLE 0 0 508
MICROSOFT CORP COM 594918104 2,259,954 4,406 SH SOLE 0 0 4,406
NVIDIA CORPORATION COM 67066G104 1,940,249 8,496 SH SOLE 0 0 8,496
NXP SEMICONDUCTORS N V COM N6596X109 206,176 868 SH SOLE 0 0 868
PHILIP MORRIS INTL INC COM 718172109 349,964 1,834 SH SOLE 0 0 1,834
POPULAR INC COM NEW 733174700 969,231 6,235 SH SOLE 0 0 6,235
QUALCOMM INC COM 747525103 206,677 1,123 SH SOLE 0 0 1,123
SALESFORCE INC COM 79466L302 391,654 1,706 SH SOLE 0 0 1,706
SAP SE SPON ADR 803054204 202,643 972 SH SOLE 0 0 972
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,195,251 50,094 SH SOLE 0 0 50,094
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 299,455 9,177 SH SOLE 0 0 9,177
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 40,490,081 1,215,553 SH SOLE 0 0 1,215,553
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,584,713 52,824 SH SOLE 0 0 52,824
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 49,971,499 1,390,802 SH SOLE 0 0 1,390,802
SHELL PLC SPON ADS 780259305 204,548 2,152 SH SOLE 0 0 2,152
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 435,220 8,668 SH SOLE 0 0 8,668
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 290,851 12,392 SH SOLE 0 0 12,392
SPDR SERIES TRUST ST PORT HIGH ETF 78468R606 2,798,514 123,883 SH SOLE 0 0 123,883
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 735,834 1,613 SH SOLE 0 0 1,613
TESLA INC COM 88160R101 1,173,711 3,308 SH SOLE 0 0 3,308
THERMO FISHER SCIENTIFIC INC COM 883556102 286,221 424 SH SOLE 0 0 424
VALERO ENERGY CORP COM 91913Y100 353,500 912 SH SOLE 0 0 912
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 4,277,595 89,061 SH SOLE 0 0 89,061
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 1,995,672 80,373 SH SOLE 0 0 80,373
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,429,025 319,730 SH SOLE 0 0 319,730
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,228,381 111,551 SH SOLE 0 0 111,551
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 30,245,441 139,973 SH SOLE 0 0 139,973
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 13,566,500 58,722 SH SOLE 0 0 58,722
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 31,612,403 350,820 SH SOLE 0 0 350,820
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 14,207,115 42,054 SH SOLE 0 0 42,054
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,466,851 4,947 SH SOLE 0 0 4,947
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,206,808 20,347 SH SOLE 0 0 20,347
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,003,418 61,020 SH SOLE 0 0 61,020
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 523,554 11,055 SH SOLE 0 0 11,055
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,897,332 126,007 SH SOLE 0 0 126,007
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,925,035 30,493 SH SOLE 0 0 30,493
VANGUARD WORLD FD INF TECH ETF 92204A702 694,829 5,529 SH SOLE 0 0 5,529
VERIZON COMMUNICATIONS INC COM 92343V104 203,571 4,438 SH SOLE 0 0 4,438
VISA INC COM CL A 92826C839 791,604 2,203 SH SOLE 0 0 2,203
WALMART INC COM 931142103 267,594 2,575 SH SOLE 0 0 2,575
WELLS FARGO & CO COM 949746101 257,841 3,221 SH SOLE 0 0 3,221