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 252,434 965 SH SOLE 0 0 965
ADVANCED MICRO DEVICES INC COM 007903107 740,841 1,211 SH SOLE 0 0 1,211
AIRBNB INC COM CL A 009066101 1,675,740 10,431 SH SOLE 0 0 10,431
ALPHABET INC CAP STK CL C 02079K107 2,992,379 8,782 SH SOLE 0 0 8,782
ALPHABET INC CAP STK CL A 02079K305 571,517 1,661 SH SOLE 0 0 1,661
ALTRIA GROUP INC COM 02209S103 231,919 3,444 SH SOLE 0 0 3,444
AMAZON COM INC COM 023135106 2,889,393 11,597 SH SOLE 0 0 11,597
AMERICAN TOWER CORP COM 03027X100 268,124 1,638 SH SOLE 0 0 1,638
AMGEN INC COM 031162100 250,377 594 SH SOLE 0 0 594
AMPHENOL CORP CL A 032095101 245,482 2,912 SH SOLE 0 0 2,912
APPLE INC COM 037833100 14,397,454 43,233 SH SOLE 0 0 43,233
BANK OF NY MELLON CORP COM 064058100 212,172 1,467 SH SOLE 0 0 1,467
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 919,216 1,846 SH SOLE 0 0 1,846
BLOCK INC CL A 852234103 2,425,387 32,985 SH SOLE 0 0 32,985
BROADCOM INC COM 11135F101 1,133,290 3,227 SH SOLE 0 0 3,227
CISCO SYS INC COM 17275R102 420,833 3,910 SH SOLE 0 0 3,910
CITIGROUP INC COM NEW 172967424 398,022 3,074 SH SOLE 0 0 3,074
CONOCOPHILLIPS COM 20825C104 227,147 1,815 SH SOLE 0 0 1,815
DFA INVT DIMENSIONS GROUP IN REAL ESTATE SECU 25239Y147 461,939 19,120 SH SOLE 0 0 19,120
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 686,387 13,109 SH SOLE 0 0 13,109
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,537,578 64,553 SH SOLE 0 0 64,553
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 2,496,131 30,063 SH SOLE 0 0 30,063
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 595,941 13,407 SH SOLE 0 0 13,407
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 368,144 5,541 SH SOLE 0 0 5,541
DISNEY WALT CO COM 254687106 224,381 2,139 SH SOLE 0 0 2,139
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 322,850 2,727 SH SOLE 0 0 2,727
ELI LILLY & CO COM 532457108 359,852 311 SH SOLE 0 0 311
EQUINIX INC COM 29444U700 267,057 264 SH SOLE 0 0 264
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 317,525 1,951 SH SOLE 0 0 1,951
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 9,558,895 132,744 SH SOLE 0 0 132,744
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 7,275,243 76,816 SH SOLE 0 0 76,816
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 2,552,931 50,215 SH SOLE 0 0 50,215
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 3,349,693 98,811 SH SOLE 0 0 98,811
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 7,897,672 104,301 SH SOLE 0 0 104,301
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 8,024,574 98,220 SH SOLE 0 0 98,220
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 7,617,880 86,000 SH SOLE 0 0 86,000
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 31,785,056 105,929 SH SOLE 0 0 105,929
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 1,345,954 24,147 SH SOLE 0 0 24,147
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 2,562,097 50,188 SH SOLE 0 0 50,188
FLEXSHARES TR NRTRN TR IBOXX 5 33939L605 1,574,990 69,444 SH SOLE 0 0 69,444
GE AEROSPACE COM NEW 369604301 263,573 844 SH SOLE 0 0 844
INTEL CORP COM 458140100 294,323 2,448 SH SOLE 0 0 2,448
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 961,860 9,200 SH SOLE 0 0 9,200
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 437,883 5,418 SH SOLE 0 0 5,418
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 198,702 12,600 SH SOLE 0 0 12,600
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 270,681 13,450 SH SOLE 0 0 13,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 247,904 12,700 SH SOLE 0 0 12,700
INVESCO EXCHANGE TRADED FD T S&P 500A EQL 46137Y609 1,363,209 38,858 SH SOLE 0 0 38,858
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 3,543,059 45,773 SH SOLE 0 0 45,773
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 10,668,266 161,984 SH SOLE 0 0 161,984
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 840,049 29,270 SH SOLE 0 0 29,270
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381 1,789,822 34,606 SH SOLE 0 0 34,606
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 2,649,509 71,589 SH SOLE 0 0 71,589
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 301,855 2,809 SH SOLE 0 0 2,809
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 262,204 4,527 SH SOLE 0 0 4,527
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 4,095,585 75,245 SH SOLE 0 0 75,245
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316 228,372 6,144 SH SOLE 0 0 6,144
INVESCO QQQ TR UNIT SER 1 46090E103 280,373 379 SH SOLE 0 0 379
ISHARES INC CORE MSCI EMKT 46434G103 239,016 2,945 SH SOLE 0 0 2,945
ISHARES TR IBONDS DEC 2031 46436E460 4,464,744 229,314 SH SOLE 0 0 229,314
ISHARES TR MSCI USA QLT FCT 46432F339 6,669,380 30,307 SH SOLE 0 0 30,307
ISHARES TR IBONDS DEC 2032 46436E296 5,828,405 268,144 SH SOLE 0 0 268,144
ISHARES TR IBONDS OCT 2031 46438G877 4,687,574 187,428 SH SOLE 0 0 187,428
ISHARES TR TRS FLT RT BD 46434V860 4,959,934 97,887 SH SOLE 0 0 97,887
ISHARES TR IBONDS 26 TRM TS 46436E858 486,108 21,246 SH SOLE 0 0 21,246
ISHARES TR IBONDS 28 TRM TS 46436E833 425,602 19,425 SH SOLE 0 0 19,425
ISHARES TR 7-10 YR TRSY BD 464287440 304,713 3,394 SH SOLE 0 0 3,394
ISHARES TR IBONDS OCT 2032 46438G869 1,036,501 42,220 SH SOLE 0 0 42,220
ISHARES TR RUS TP200 GR ETF 464289438 711,028 2,411 SH SOLE 0 0 2,411
ISHARES TR RUS TP200 VL ETF 464289420 409,752 3,741 SH SOLE 0 0 3,741
ISHARES TR MSCI INTL QUALTY 46434V456 1,538,863 31,107 SH SOLE 0 0 31,107
ISHARES TR 20 YR TR BD ETF 464287432 2,432,258 31,271 SH SOLE 0 0 31,271
ISHARES TR IBONDS DEC 2031 46436E486 1,234,693 61,550 SH SOLE 0 0 61,550
ISHARES TR FALN ANGLS USD 46435G474 696,117 26,846 SH SOLE 0 0 26,846
ISHARES TR IBONDS DEC2026 46435GAA0 335,724 13,850 SH SOLE 0 0 13,850
ISHARES TR IBONDS DEC 29 46436E205 201,147 8,865 SH SOLE 0 0 8,865
ISHARES TR IBOND DEC 2030 46436E593 1,113,896 58,657 SH SOLE 0 0 58,657
ISHARES TR IBONDS 27 ETF 46435UAA9 507,002 21,020 SH SOLE 0 0 21,020
ISHARES TR IBDS DEC28 ETF 46435U515 348,816 13,975 SH SOLE 0 0 13,975
ISHARES TR IBONDS DEC 2032 46436E312 312,910 13,000 SH SOLE 0 0 13,000
ISHARES TR IBONDS 27 TRM TS 46436E841 290,160 13,000 SH SOLE 0 0 13,000
ISHARES TR IBONDS OCT 2029 46438G802 281,238 11,068 SH SOLE 0 0 11,068
ISHARES TR IBONDS DEC 2030 46436E726 357,266 16,900 SH SOLE 0 0 16,900
ISHARES TR DOW JONES US ETF 464287846 406,026 2,190 SH SOLE 0 0 2,190
JOHNSON & JOHNSON COM 478160104 302,068 1,141 SH SOLE 0 0 1,141
JPMORGAN CHASE & CO COM 46625H100 581,268 1,757 SH SOLE 0 0 1,757
LAM RESEARCH CORP COM NEW 512807306 374,173 1,139 SH SOLE 0 0 1,139
MASTERCARD INCORPORATED CL A 57636Q104 373,345 677 SH SOLE 0 0 677
MERCK & CO INC COM 58933Y105 286,115 1,969 SH SOLE 0 0 1,969
META PLATFORMS INC CL A 30303M102 1,437,307 1,982 SH SOLE 0 0 1,982
MICRON TECHNOLOGY INC COM 595112103 302,491 284 SH SOLE 0 0 284
MICROSOFT CORP COM 594918104 2,514,749 4,903 SH SOLE 0 0 4,903
NVIDIA CORPORATION COM 67066G104 2,983,100 13,062 SH SOLE 0 0 13,062
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,182,343 6,321 SH SOLE 0 0 6,321
PALO ALTO NETWORKS INC COM 697435105 248,319 625 SH SOLE 0 0 625
PHILIP MORRIS INTL INC COM 718172109 201,888 1,058 SH SOLE 0 0 1,058
PHILLIPS 66 COM 718546104 286,458 1,122 SH SOLE 0 0 1,122
PIMCO ETF TR 15+ YR US TIPS 72201R304 5,489,392 121,716 SH SOLE 0 0 121,716
PROCTER & GAMBLE CO COM 742718109 281,553 1,938 SH SOLE 0 0 1,938
PROLOGIS INC. COM 74340W103 318,498 2,453 SH SOLE 0 0 2,453
PUBLIC STORAGE COM 74460D109 295,285 1,044 SH SOLE 0 0 1,044
REALTY INCOME CORP COM 756109104 314,017 5,783 SH SOLE 0 0 5,783
SALESFORCE INC COM 79466L302 320,250 1,395 SH SOLE 0 0 1,395
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 443,365 8,930 SH SOLE 0 0 8,930
SCHWAB STRATEGIC TR US REIT ETF 808524847 889,623 40,364 SH SOLE 0 0 40,364
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 2,287,110 65,346 SH SOLE 0 0 65,346
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,564,751 49,722 SH SOLE 0 0 49,722
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 2,222,041 72,592 SH SOLE 0 0 72,592
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,051,858 32,335 SH SOLE 0 0 32,335
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 4,678,034 23,898 SH SOLE 0 0 23,898
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 718,003 14,300 SH SOLE 0 0 14,300
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 458,156 18,800 SH SOLE 0 0 18,800
TERADYNE INC COM 880770102 338,769 845 SH SOLE 0 0 845
TESLA INC COM 88160R101 658,173 1,855 SH SOLE 0 0 1,855
THERMO FISHER SCIENTIFIC INC COM 883556102 249,768 370 SH SOLE 0 0 370
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 7,417,503 82,139 SH SOLE 0 0 82,139
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 568,406 2,907 SH SOLE 0 0 2,907
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 328,756 1,423 SH SOLE 0 0 1,423
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 695,345 3,218 SH SOLE 0 0 3,218
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 547,127 1,555 SH SOLE 0 0 1,555
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 4,315,736 11,532 SH SOLE 0 0 11,532
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 5,197,147 66,371 SH SOLE 0 0 66,371
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,214,678 26,637 SH SOLE 0 0 26,637
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,047,923 14,841 SH SOLE 0 0 14,841
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 733,007 2,010 SH SOLE 0 0 2,010
VANGUARD WORLD FD ENERGY ETF 92204A306 470,513 2,733 SH SOLE 0 0 2,733
VANGUARD WORLD FD MATERIALS ETF 92204A801 339,909 1,558 SH SOLE 0 0 1,558
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 499,406 1,580 SH SOLE 0 0 1,580
VANGUARD WORLD FD COMM SRVC ETF 92204A884 419,870 2,203 SH SOLE 0 0 2,203
VANGUARD WORLD FD INF TECH ETF 92204A702 574,061 4,568 SH SOLE 0 0 4,568
VERIZON COMMUNICATIONS INC COM 92343V104 297,375 6,483 SH SOLE 0 0 6,483
VISA INC COM CL A 92826C839 597,925 1,664 SH SOLE 0 0 1,664
WALMART INC COM 931142103 328,803 3,164 SH SOLE 0 0 3,164
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 6,815,955 135,264 SH SOLE 0 0 135,264
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,561,596 54,995 SH SOLE 0 0 54,995