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
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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 DEVICES INC COM 007903107 324,233 530 SH SOLE 0 0 530
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072216 2,219,596 26,311 SH SOLE 0 0 26,311
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 815,540 12,522 SH SOLE 0 0 12,522
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 672,906 6,152 SH SOLE 0 0 6,152
AMERICAN CENTY ETF TR US EQT ETF 025072885 1,597,795 12,474 SH SOLE 0 0 12,474
AMERICAN CENTY ETF TR US SML CP VALU 025072877 625,241 5,309 SH SOLE 0 0 5,309
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752 1,100,910 21,701 SH SOLE 0 0 21,701
APPLE INC COM 037833100 2,261,642 6,791 SH SOLE 0 0 6,791
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 426,789 8,403 SH SOLE 0 0 8,403
BLACKROCK ETF TRUST II SHOR DURA HI ETF 092528108 239,400 11,200 SH SOLE 0 0 11,200
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 512,443 19,755 SH SOLE 0 0 19,755
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,345,322 59,662 SH SOLE 0 0 59,662
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 256,927 5,935 SH SOLE 0 0 5,935
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 5,051,076 113,635 SH SOLE 0 0 113,635
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 31,692,504 605,281 SH SOLE 0 0 605,281
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 1,442,320 26,224 SH SOLE 0 0 26,224
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,825,512 36,496 SH SOLE 0 0 36,496
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 208,689 3,141 SH SOLE 0 0 3,141
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,135,108 30,662 SH SOLE 0 0 30,662
DOUBLELINE ETF TRUST SECUR CR ETF 25861R881 925,028 37,927 SH SOLE 0 0 37,927
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 4,977,154 257,884 SH SOLE 0 0 257,884
INVESCO QQQ TR UNIT SER 1 46090E103 919,535 1,243 SH SOLE 0 0 1,243
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 461,376 9,746 SH SOLE 0 0 9,746
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 3,205,950 77,401 SH SOLE 0 0 77,401
ISHARES INC JP MORGAN EM ETF 464286517 574,093 13,588 SH SOLE 0 0 13,588
ISHARES INC US PWR INFRA ETF 464286343 466,892 19,309 SH SOLE 0 0 19,309
ISHARES TR 0-5 YR TIPS ETF 46429B747 711,360 7,135 SH SOLE 0 0 7,135
ISHARES TR GLOBAL EQUITY 46434V316 243,076 4,008 SH SOLE 0 0 4,008
ISHARES TR HDG MSCI EAFE 46434V803 744,189 16,042 SH SOLE 0 0 16,042
ISHARES TR MSCI EAFE ETF 464287465 427,092 4,111 SH SOLE 0 0 4,111
ISHARES TR MSCI JP VALUE 46435U374 857,714 17,681 SH SOLE 0 0 17,681
ISHARES TR RESIDENTIAL MULT 464288562 1,655,479 18,740 SH SOLE 0 0 18,740
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 400,031 7,912 SH SOLE 0 0 7,912
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 1,977,970 39,191 SH SOLE 0 0 39,191
MICROSOFT CORP COM 594918104 455,335 888 SH SOLE 0 0 888
NVIDIA CORPORATION COM 67066G104 576,660 2,525 SH SOLE 0 0 2,525
NYLIM ACTIVE ETF TR MACKAY MUNI SHRT 64953X100 1,395,836 56,443 SH SOLE 0 0 56,443
PGIM ETF TR PGIM ULTRA SH BD 69344A107 14,611,193 295,414 SH SOLE 0 0 295,414
PIMCO ETF TR COMMODITY STRAT 72201R593 213,021 6,146 SH SOLE 0 0 6,146
SCHWAB STRATEGIC TR US REIT ETF 808524847 338,375 15,353 SH SOLE 0 0 15,353
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,782,387 190,306 SH SOLE 0 0 190,306
SPDR GOLD TR GOLD SHS 78463V107 710,267 1,865 SH SOLE 0 0 1,865
SPDR SERIES TRUST ST STR SP AERO 78464A631 386,188 1,670 SH SOLE 0 0 1,670
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 10,694,284 285,791 SH SOLE 0 0 285,791
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 329,914 433 SH SOLE 0 0 433
TESLA INC COM 88160R101 704,653 1,986 SH SOLE 0 0 1,986
VANECK ETF TRUST OIL SERVICES ETF 92189H607 623,554 1,648 SH SOLE 0 0 1,648
VANECK MERK GOLD ETF GOLD SHS 921078101 294,183 7,373 SH SOLE 0 0 7,373
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 770,027 8,167 SH SOLE 0 0 8,167
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 802,311 8,904 SH SOLE 0 0 8,904
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 316,888 4,041 SH SOLE 0 0 4,041
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 472,248 1,262 SH SOLE 0 0 1,262
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 260,720 372 SH SOLE 0 0 372
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 228,778 3,857 SH SOLE 0 0 3,857
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 402,389 2,549 SH SOLE 0 0 2,549
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,550,508 124,182 SH SOLE 0 0 124,182
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 332,718 3,290 SH SOLE 0 0 3,290
VANGUARD WORLD FD CONSUM STP ETF 92204A207 674,947 3,093 SH SOLE 0 0 3,093
WISDOMTREE TR EFFICIENT GLD PL 97717Y568 717,218 11,254 SH SOLE 0 0 11,254
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 3,462,583 68,716 SH SOLE 0 0 68,716
ZOOM COMMUNICATIONS INC CL A 98980L101 310,888 3,425 SH SOLE 0 0 3,425