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 311,815 1,192 SH SOLE 0 0 0 1,192
ADVANCED MICRO DEVICES INC COM 007903107 508,984 832 SH SOLE 0 0 0 832
ALPHABET INC CAP STK CL A 02079K305 774,180 2,250 SH SOLE 0 0 0 2,250
ALPHABET INC CAP STK CL C 02079K107 829,361 2,434 SH SOLE 0 0 0 2,434
AMAZON COM INC COM 023135106 840,632 3,374 SH SOLE 0 0 0 3,374
APPLE INC COM 037833100 1,865,911 5,603 SH SOLE 0 0 0 5,603
APPLIED MATLS INC COM 038222105 337,511 660 SH SOLE 0 0 0 660
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 354,540 712 SH SOLE 0 0 0 712
BROADCOM INC COM 11135F101 382,446 1,089 SH SOLE 0 0 0 1,089
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 3,552,023 42,780 SH SOLE 0 0 0 42,780
EATON CORP PLC SHS G29183103 290,484 676 SH SOLE 0 0 0 676
ELI LILLY & CO COM 532457108 393,407 340 SH SOLE 0 0 0 340
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,214,511 44,684 SH SOLE 0 0 0 44,684
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 3,563,287 82,293 SH SOLE 0 0 0 82,293
ISHARES INC MSCI EMRG CHN 46434G764 950,871 9,597 SH SOLE 0 0 0 9,597
ISHARES TR 0-5YR HI YL CP 46434V407 1,220,175 29,580 SH SOLE 0 0 0 29,580
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,889,814 18,955 SH SOLE 0 0 0 18,955
ISHARES TR RUS MDCP VAL ETF 464287473 550,052 3,422 SH SOLE 0 0 0 3,422
ISHARES TR MSCI EAFE ETF 464287465 1,121,700 10,797 SH SOLE 0 0 0 10,797
ISHARES TR CORE S&P MCP ETF 464287507 1,700,610 23,636 SH SOLE 0 0 0 23,636
ISHARES TR S&P MC 400GR ETF 464287606 592,332 5,404 SH SOLE 0 0 0 5,404
ISHARES TR CORE S&P SCP ETF 464287804 665,916 4,895 SH SOLE 0 0 0 4,895
ISHARES TR S&P SML 600 GWT 464287887 389,923 2,432 SH SOLE 0 0 0 2,432
ISHARES TR CORE S&P500 ETF 464287200 2,407,067 3,143 SH SOLE 0 0 0 3,143
ISHARES TR NATIONAL MUN ETF 464288414 222,420 2,200 SH SOLE 0 0 0 2,200
ISHARES TR EAFE SML CP ETF 464288273 838,206 9,929 SH SOLE 0 0 0 9,929
ISHARES TR CALIF MUN BD ETF 464288356 2,952,787 54,560 SH SOLE 0 0 0 54,560
ISHARES TR NEW YORK MUN ETF 464288323 435,230 8,615 SH SOLE 0 0 0 8,615
ISHARES TR TRUST ISHARE 0-1 464288679 886,201 8,033 SH SOLE 0 0 0 8,033
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 211,731 4,450 SH SOLE 0 0 0 4,450
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 5,114,597 83,490 SH SOLE 0 0 0 83,490
J P MORGAN EXCHANGE TRADED F RLTY INCOME ETF 46641Q126 1,493,368 30,224 SH SOLE 0 0 0 30,224
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 4,257,653 75,732 SH SOLE 0 0 0 75,732
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 3,810,179 82,866 SH SOLE 0 0 0 82,866
JPMORGAN CHASE & CO COM 46625H100 592,186 1,790 SH SOLE 0 0 0 1,790
MARVELL TECHNOLOGY INC COM 573874104 271,344 1,027 SH SOLE 0 0 0 1,027
META PLATFORMS INC CL A 30303M102 530,832 732 SH SOLE 0 0 0 732
MICRON TECHNOLOGY INC COM 595112103 549,597 516 SH SOLE 0 0 0 516
MICROSOFT CORP COM 594918104 1,384,317 2,699 SH SOLE 0 0 0 2,699
NVIDIA CORPORATION COM 67066G104 2,717,037 11,897 SH SOLE 0 0 0 11,897
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,538,231 40,674 SH SOLE 0 0 0 40,674
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 1,367,014 32,649 SH SOLE 0 0 0 32,649
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 3,183,111 148,466 SH SOLE 0 0 0 148,466
SPDR INDEX SHS FDS ST STR MSCI EAFE 78463X434 2,564,161 26,291 SH SOLE 0 0 0 26,291
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,419,954 68,113 SH SOLE 0 0 0 68,113
SPDR SERIES TRUST ST STR P400MID 78464A847 2,574,617 40,841 SH SOLE 0 0 0 40,841
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,831,969 34,657 SH SOLE 0 0 0 34,657
SPDR SERIES TRUST ST STR R1K LOWV 78468R754 1,563,706 11,256 SH SOLE 0 0 0 11,256
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 645,311 15,977 SH SOLE 0 0 0 15,977
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,340,511 3,069 SH SOLE 0 0 0 3,069
TRANE TECHNOLOGIES PLC SHS G8994E103 241,809 535 SH SOLE 0 0 0 535
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 330,056 4,705 SH SOLE 0 0 0 4,705
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,828,923 36,074 SH SOLE 0 0 0 36,074
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 297,840 3,323 SH SOLE 0 0 0 3,323
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,913,764 6,727 SH SOLE 0 0 0 6,727
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,703,980 12,419 SH SOLE 0 0 0 12,419
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 13,587,726 286,903 SH SOLE 0 0 0 286,903
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 264,546 4,596 SH SOLE 0 0 0 4,596
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,719,453 21,957 SH SOLE 0 0 0 21,957
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,475,619 14,897 SH SOLE 0 0 0 14,897
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 509,027 7,209 SH SOLE 0 0 0 7,209
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,010,582 31,885 SH SOLE 0 0 0 31,885
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,993,389 12,844 SH SOLE 0 0 0 12,844
VISA INC COM CL A 92826C839 339,567 945 SH SOLE 0 0 0 945