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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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
AB ACTIVE ETFS INC ULTRA SHORT INCM 00039J103 974,649 19,462 SH SOLE 19,462 0 0
AB ACTIVE ETFS INC SHOR DU YIEL ETF 00039J830 886,912 25,391 SH SOLE 25,391 0 0
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202 833,996 33,930 SH SOLE 33,930 0 0
ALPHABET INC CAP STK CL C 02079K107 384,669 1,129 SH SOLE 1,129 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 422,262 8,141 SH SOLE 8,141 0 0
AMAZON COM INC COM 023135106 315,922 1,268 SH SOLE 1,268 0 0
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109 1,772,079 39,948 SH SOLE 39,948 0 0
APPLE INC COM 037833100 466,071 1,400 SH SOLE 1,400 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 2,319,137 42,204 SH SOLE 42,204 0 0
DBX ETF TR XTRACK USD HIGH 233051432 221,730 6,296 SH SOLE 6,296 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 8,275,287 106,888 SH SOLE 106,888 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 550,693 4,652 SH SOLE 4,652 0 0
GRAYSCALE BITCOIN MINI TR ET SHS NEW 389930207 367,763 9,953 SH SOLE 9,953 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 262,177 11,752 SH SOLE 11,752 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 2,161,326 18,190 SH SOLE 18,190 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 1,941,224 41,006 SH SOLE 41,006 0 0
ISHARES GOLD TR ISHARES NEW 464285204 4,176,632 53,478 SH SOLE 53,478 0 0
ISHARES INC MSCI EMERG MRKT 464286533 326,168 4,405 SH SOLE 4,405 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 486,570 8,984 SH SOLE 8,984 0 0
ISHARES TR CONV BD ETF 46435G102 20,032,960 177,385 SH SOLE 177,385 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 13,717,215 61,723 SH SOLE 61,723 0 0
ISHARES TR TIPS BD ETF 464287176 8,712,140 83,738 SH SOLE 83,738 0 0
ISHARES TR CORE DIV GRWTH 46434V621 8,761,139 116,211 SH SOLE 116,211 0 0
ISHARES TR IBOXX INV CP ETF 464287242 5,020,620 49,135 SH SOLE 49,135 0 0
ISHARES TR MBS ETF 464288588 3,347,480 37,352 SH SOLE 37,352 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,739,311 26,285 SH SOLE 26,285 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,472,246 67,318 SH SOLE 67,318 0 0
ISHARES TR CORE US AGGBD ET 464287226 946,797 10,015 SH SOLE 10,015 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,993,429 40,296 SH SOLE 40,296 0 0
ISHARES TR CALIF MUN BD ETF 464288356 503,217 9,298 SH SOLE 9,298 0 0
ISHARES TR CORE S&P MCP ETF 464287507 654,126 9,091 SH SOLE 9,091 0 0
ISHARES TR CORE S&P SCP ETF 464287804 268,892 1,977 SH SOLE 1,977 0 0
ISHARES TR ESG AWRE USD ETF 46435G193 312,432 14,237 SH SOLE 14,237 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 380,620 4,177 SH SOLE 4,177 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 307,531 1,913 SH SOLE 1,913 0 0
ISHARES TR RUS MD CP GR ETF 464287481 226,292 1,644 SH SOLE 1,644 0 0
ISHARES TR MORNINGSTAR VALU 464288109 345,213 3,277 SH SOLE 3,277 0 0
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 1,648,833 23,061 SH SOLE 23,061 0 0
MICROSOFT CORP COM 594918104 450,689 879 SH SOLE 879 0 0
NVIDIA CORPORATION COM 67066G104 277,805 1,216 SH SOLE 1,216 0 0
SANDISK CORP COM 80004C200 330,579 190 SH SOLE 190 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 200,082 6,132 SH SOLE 6,132 0 0
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632 857,074 40,524 SH SOLE 40,524 0 0
SIMPLIFY EXCHANGE TRADED FUN TREASURY OPT INC 82889N640 610,705 26,460 SH SOLE 26,460 0 0
SPDR GOLD TR GOLD SHS 78463V107 818,425 2,149 SH SOLE 2,149 0 0
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 478,743 9,535 SH SOLE 9,535 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 14,749,563 241,282 SH SOLE 241,282 0 0
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 5,376,226 50,259 SH SOLE 50,259 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,409,086 22,790 SH SOLE 22,790 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,754,682 25,013 SH SOLE 25,013 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 7,051,426 30,522 SH SOLE 30,522 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 1,025,967 3,512 SH SOLE 3,512 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,498,879 11,565 SH SOLE 11,565 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 582,114 2,977 SH SOLE 2,977 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 214,309 634 SH SOLE 634 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 672,900 960 SH SOLE 960 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,629,055 5,726 SH SOLE 5,726 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,767,259 19,612 SH SOLE 19,612 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,322,192 16,860 SH SOLE 16,860 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 205,975 550 SH SOLE 550 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,698,379 45,496 SH SOLE 45,496 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,444,834 130,939 SH SOLE 130,939 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 242,851 5,128 SH SOLE 5,128 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,174,572 40,539 SH SOLE 40,539 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 247,082 4,928 SH SOLE 4,928 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 425,818 3,303 SH SOLE 3,303 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 596,848 8,453 SH SOLE 8,453 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,134,363 13,752 SH SOLE 13,752 0 0
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 1,814,097 19,580 SH SOLE 19,580 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 291,679 923 SH SOLE 923 0 0