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
Advanced Micro Devic Common Stock 007903107 277,739 454 SH SOLE 454 0 0
Amazon.Com Inc Common Stock 023135106 379,705 1,524 SH SOLE 1,524 0 0
Apple Inc Common Stock 037833100 995,621 2,990 SH SOLE 2,990 0 0
BlackRock iShares Dynamic Equity Active ETF 09290C723 15,931,497 572,234 SH SOLE 572,234 0 0
Broadcom Inc Common Stock 11135F101 291,896 831 SH SOLE 831 0 0
Charles Schwab US REIT ETF ETF 808524847 358,921 16,285 SH SOLE 16,285 0 0
Communicat SVS SLCT Sec SPDR ETF IV ETF 81369Y852 2,145,854 19,337 SH SOLE 19,337 0 0
Energy Select Sector SPDR ETF ETF 81369Y506 7,064,332 114,867 SH SOLE 114,867 0 0
Fidelity MSCI Cons Discr Indx ETF ETF 316092204 4,348,774 45,917 SH SOLE 45,917 0 0
Grayscale Bitcoin TR BTC Fund 389637109 655,395 10,147 SH SOLE 10,147 0 0
Health Care Select SPDR ETF 81369Y209 6,900,145 40,970 SH SOLE 40,970 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 9,872,631 59,125 SH SOLE 59,125 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357 3,394,005 16,316 SH SOLE 16,316 0 0
Invesco S&P 500 Quality ETF ETF 46137V241 8,939,483 106,321 SH SOLE 106,321 0 0
Invsc QQQ Trust SRS 1 ETF ETF 46090E103 3,684,794 4,981 SH SOLE 4,981 0 0
ISHARES 20 PLS YEAR TREASURY BND ETF Bonds 464287432 1,011 13,000 PRN SOLE 13,000 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF Bonds 464287440 245,781 2,752,000 PRN SOLE 2,752,000 0 0
iShares Bitcoin ETF ETF 46438F101 268,323 5,668 SH SOLE 5,668 0 0
iShares California Muni Bond ETF ETF 464288356 1,372,205 25,355 SH SOLE 25,355 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 2,605,569 26,895 SH SOLE 26,895 0 0
iShares Core MSCI Emerging ETF ETF 46434G103 2,422,603 29,850 SH SOLE 29,850 0 0
iShares Core S&P 500 ETF ETF 464287200 11,842,336 15,463 SH SOLE 15,463 0 0
iShares Ethereum Trust ETF ETF 46438R105 280,674 13,950 SH SOLE 13,950 0 0
iShares Expanded Tech Sector ETF ETF 464287549 5,303,284 31,373 SH SOLE 31,373 0 0
iShares High Yield Muni Active ETF ETF 092528843 1,344,291 29,428 SH SOLE 29,428 0 0
iShares iBoxx Invt Grade Bond ETF ETF 464287242 5,627,230 55,072 SH SOLE 55,072 0 0
iShares Inc MSCI Japan ETF ETF 46434G822 7,715,713 79,168 SH SOLE 79,168 0 0
ISHARES J.P. MORGAN EM LOCAL CURRENCY BOND ETF Bonds 464286517 842,330 19,936,815 PRN SOLE 19,936,815 0 0
iShares JPMorgan Usd MTS Bond ETF ETF 464288281 685,928 7,551 SH SOLE 7,551 0 0
iShares MSCI ACWI ETF ETF 464288257 1,381,891 8,704 SH SOLE 8,704 0 0
iShares MSCI Emerging Markets Ex China ETF ETF 46434G764 1,766,870 17,833 SH SOLE 17,833 0 0
iShares MSCI Glo Gold Miners ETF ETF 46434G855 928,590 12,121 SH SOLE 12,121 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF Common Stock 46432F396 6,391,709 20,142 SH SOLE 20,142 0 0
iShares MSCI USA Value Factor ETF ETF 46432F388 4,825,798 24,373 SH SOLE 24,373 0 0
iShares MSCI World ETF ETF 464286392 33,492,921 162,406 SH SOLE 162,406 0 0
iShares New York Muni Bond ETF ETF 464288323 337,755 6,686 SH SOLE 6,686 0 0
JPMorgan Betabuilders Japan ETF Mutual Fund 46641Q217 269,095 3,428 SH SOLE 3,428 0 0
MATERIALS SELECT SECTOR SPDR FUND Common Stock 81369Y100 2,221,075 45,607 SH SOLE 45,607 0 0
Microsoft Corp Common Stock 594918104 223,173 435 SH SOLE 435 0 0
Nvidia Corp Common Stock 67066G104 656,877 2,876 SH SOLE 2,876 0 0
Schwab Intermediate Term US TRS ETF ETF 808524854 3,809,126 160,723 SH SOLE 160,723 0 0
SCHWAB SHORT-TERM US TREASURY ETF Bonds 808524862 2,900,453 121,561,318 PRN SOLE 121,561,318 0 0
Schwab US Large Cap Growth ETF ETF 808524300 22,166,831 616,945 SH SOLE 616,945 0 0
Select STR Financial Select SPDR ETF ETF 81369Y605 18,408,362 344,726 SH SOLE 344,726 0 0
Shopify Inc F Class A Common Stock 82509L107 524,982 3,540 SH SOLE 3,540 0 0
SPDR S&P 500 ETF ETF 78462F103 979,046 1,284 SH SOLE 1,284 0 0
SPDR S&P Aerospace & Defense ETF ETF 78464A631 2,815,049 12,173 SH SOLE 12,173 0 0
Technology Select Sector SPDR ETF ETF 81369Y803 24,373,612 124,514 SH SOLE 124,514 0 0
Transmedics Group Inc Common Stock 89377M109 600,840 7,200 SH SOLE 7,200 0 0
Vaneck Semiconductor ETF Mutual Fund 92189F676 4,357,481 7,155 SH SOLE 7,155 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 1,164,897 4,993 SH SOLE 4,993 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 17,681,464 250,410 SH SOLE 250,410 0 0
Vanguard FTSE Europe ETF ETF 922042874 6,822,817 78,604 SH SOLE 78,604 0 0
Vanguard High Dividend Yield ETF ETF 921946406 634,147 4,086 SH SOLE 4,086 0 0
Vanguard Mortgage Backed Sec ETF ETF 92206C771 991,303 22,322 SH SOLE 22,322 0 0
Vanguard Muni BND Tax Exempt ETF ETF 922907746 4,470,615 94,396 SH SOLE 94,396 0 0
Vanguard Russell 2000 Growth ETF ETF 92206C623 1,928,813 7,402 SH SOLE 7,402 0 0
Vanguard S&P 500 ETF ETF 922908363 4,932,980 7,038 SH SOLE 7,038 0 0
Vanguard Total Bond Market ETF ETF 921937835 367,446 5,238 SH SOLE 5,238 0 0
Xometry Inc Class A Common Stock 98423F109 233,367 2,269 SH SOLE 2,269 0 0