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
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 13,007,792 301,595 SH SOLE 301,595 0 0
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 12,396,577 262,695 SH SOLE 262,695 0 0
ISHARES TR CORE INTL AGGR 46435G672 4,139,245 84,131 SH SOLE 84,131 0 0
ISHARES INC CORE MSCI EMKT 46434G103 18,185,891 224,075 SH SOLE 224,075 0 0
ISHARES TR CORE S&P500 ETF 464287200 57,905,249 75,609 SH SOLE 75,609 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 22,010,228 499,211 SH SOLE 499,211 0 0
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 5,581,979 114,011 SH SOLE 114,011 0 0
ISHARES TR MBS ETF 464288588 5,524,235 61,641 SH SOLE 61,641 0 0
ISHARES TR EAFE VALUE ETF 464288877 12,153,303 153,567 SH SOLE 153,567 0 0
ISHARES TR MSCI USA MMENTM 46432F396 10,520,219 33,151 SH SOLE 33,151 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 25,759,857 181,076 SH SOLE 181,076 0 0
ISHARES TR S&P 500 VAL ETF 464287408 17,276,875 75,683 SH SOLE 75,683 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 29,072,647 419,761 SH SOLE 419,761 0 0
ISHARES TR US AER DEF ETF 464288760 5,138,893 24,804 SH SOLE 24,804 0 0
NUSHARES ETF TR NUVEN AA-BBB CLO 67092P730 7,216,103 288,068 SH SOLE 288,068 0 0
SPDR SERIES TRUST ST LON TREAS ETF 78464A664 3,878,129 162,605 SH SOLE 162,605 0 0
ALLSTATE CORP COM 020002101 780,162 3,516 SH SOLE 3,516 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,464,969 2,942 SH SOLE 2,942 0 0
BRINKER INTL INC COM 109641100 825,986 4,268 SH SOLE 4,268 0 0
CARNIVAL CORP LTD COMMON SHARES G2004J103 592,491 24,144 SH SOLE 24,144 0 0
CELESTICA INC COM 15101Q207 1,261,391 3,490 SH SOLE 3,490 0 0
CENTENE CORP DEL COM 15135B101 538,021 8,661 SH SOLE 8,661 0 0
COEUR MNG INC COM NEW 192108504 614,839 34,934 SH SOLE 34,934 0 0
COVISTA INC COM 00737L103 701,550 5,741 SH SOLE 5,741 0 0
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 1,045,438 5,367 SH SOLE 5,367 0 0
DYCOM INDS INC COM 267475101 382,901 1,423 SH SOLE 1,423 0 0
EZCORP INC CL A NON VTG 302301106 856,790 28,790 SH SOLE 28,790 0 0
KINROSS GOLD CORP COM 496902404 499,010 20,723 SH SOLE 20,723 0 0
LUMENTUM HLDGS INC COM 55024U109 781,864 805 SH SOLE 805 0 0
MAXLINEAR INC COM 57776J100 841,057 9,313 SH SOLE 9,313 0 0
MICRON TECHNOLOGY INC COM 595112103 2,195,192 2,061 SH SOLE 2,061 0 0
NEXA RES S A COM L67359106 402,745 33,039 SH SOLE 33,039 0 0
PAR PAC HOLDINGS INC COM NEW 69888T207 978,297 11,986 SH SOLE 11,986 0 0
SSR MINING IN COM 784730103 908,470 27,265 SH SOLE 27,265 0 0
STERLING INFRASTRUCTURE INC COM 859241101 1,808,767 3,678 SH SOLE 3,678 0 0
SYNCHRONY FINANCIAL COM 87165B103 788,789 11,114 SH SOLE 11,114 0 0
TTM TECHNOLOGIES INC COM 87305R109 822,168 6,693 SH SOLE 6,693 0 0
TWILIO INC CL A 90138F102 1,290,918 4,414 SH SOLE 4,414 0 0
UBER TECHNOLOGIES INC COM 90353T100 586,583 8,562 SH SOLE 8,562 0 0
UNITED NAT FOODS INC COM 911163103 739,662 16,514 SH SOLE 16,514 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 2,829,031 13,093 SH SOLE 13,093 0 0
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 3,016,578 59,393 SH SOLE 59,393 0 0
ISHARES TR US TREAS BD ETF 46429B267 3,265,257 149,303 SH SOLE 149,303 0 0
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 4,045,304 176,728 SH SOLE 176,728 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 6,603,572 29,714 SH SOLE 29,714 0 0
ISHARES TR U.S. TECH ETF 464287721 2,803,718 10,584 SH SOLE 10,584 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 3,765,814 79,147 SH SOLE 79,147 0 0
VANGUARD MUN BD FDS LONG TERM TAX EX 922907688 7,012,495 72,986 SH SOLE 72,986 0 0
ALPHABET INC CAP STK CL C 02079K107 425,303 1,248 SH SOLE 1,248 0 0
AMAZON COM INC COM 023135106 1,398,975 5,615 SH SOLE 5,615 0 0
ISHARES GOLD TR ISHARES NEW 464285204 382,768 4,901 SH SOLE 4,901 0 0
ISHARES TR EAFE GRWTH ETF 464288885 222,045 1,853 SH SOLE 1,853 0 0
ISHARES TR S&P 100 ETF 464287101 261,080 683 SH SOLE 683 0 0
NVIDIA CORPORATION COM 67066G104 1,864,038 8,162 SH SOLE 8,162 0 0
TESLA INC COM 88160R101 511,770 1,442 SH SOLE 1,442 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 468,092 4,695 SH SOLE 4,695 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 260,288 2,824 SH SOLE 2,824 0 0
ABBVIE INC COM 00287Y109 376,205 1,438 SH SOLE 1,438 0 0
ADVANCED MICRO DEVICES INC COM 007903107 367,056 600 SH SOLE 600 0 0
ALPHABET INC CAP STK CL A 02079K305 2,072,394 6,023 SH SOLE 6,023 0 0
AMERICAN EXPRESS CO COM 025816109 594,021 1,953 SH SOLE 1,953 0 0
APPLE INC COM 037833100 3,374,622 10,133 SH SOLE 10,133 0 0
APPLIED MATLS INC COM 038222105 297,112 581 SH SOLE 581 0 0
BLACKROCK INC COM 09290D101 586,436 554 SH SOLE 554 0 0
BROADCOM INC COM 11135F101 476,921 1,358 SH SOLE 1,358 0 0
CHEVRON CORPORATION COM 166764100 221,364 1,084 SH SOLE 1,084 0 0
CISCO SYS INC COM 17275R102 207,064 1,924 SH SOLE 1,924 0 0
COCA COLA CO COM 191216100 654,051 7,598 SH SOLE 7,598 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 877,594 964 SH SOLE 964 0 0
DELTA AIR LINES INC COM NEW 247361702 751,557 9,005 SH SOLE 9,005 0 0
ELI LILLY & CO COM 532457108 898,409 776 SH SOLE 776 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 419,706 2,579 SH SOLE 2,579 0 0
FEDEX CORP COM 31428X106 450,442 1,580 SH SOLE 1,580 0 0
ISHARES INC MSCI EMRG CHN 46434G764 243,737 2,460 SH SOLE 2,460 0 0
JOHNSON & JOHNSON COM 478160104 328,542 1,241 SH SOLE 1,241 0 0
JPMORGAN CHASE & CO COM 46625H100 1,048,650 3,170 SH SOLE 3,170 0 0
LAM RESEARCH CORP COM NEW 512807306 405,053 1,233 SH SOLE 1,233 0 0
MARRIOTT INTL INC NEW CL A 571903202 667,389 1,876 SH SOLE 1,876 0 0
META PLATFORMS INC CL A 30303M102 598,930 826 SH SOLE 826 0 0
NETFLIX INC. COM 64110L106 334,813 4,812 SH SOLE 4,812 0 0
PROCTER & GAMBLE CO COM 742718109 203,839 1,403 SH SOLE 1,403 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 621,248 690 SH SOLE 690 0 0
WALMART INC COM 931142103 937,745 9,024 SH SOLE 9,024 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,907,443 108,752 SH SOLE 108,752 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 214,934 1,098 SH SOLE 1,098 0 0
MICROSOFT CORP COM 594918104 1,831,079 3,570 SH SOLE 3,570 0 0
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 921,300 30,854 SH SOLE 30,854 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 372,170 4,754 SH SOLE 4,754 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 495,646 670 SH SOLE 670 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,852,085 67,422 SH SOLE 67,422 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 2,263,138 6,699 SH SOLE 6,699 0 0
GENERAL MTRS CO COM 37045V100 224,417 2,915 SH SOLE 2,915 0 0
TARGET CORP COM 87612E106 244,116 1,558 SH SOLE 1,558 0 0
VISA INC COM CL A 92826C839 207,690 578 SH SOLE 578 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,672,508 45,885 SH SOLE 45,885 0 0
INTEL CORP COM 458140100 397,961 3,310 SH SOLE 3,310 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 3,201,321 27,040 SH SOLE 27,040 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 472,916 10,535 SH SOLE 10,535 0 0
POWELL INDS INC COM 739128106 231,879 1,257 SH SOLE 1,257 0 0
WELLS FARGO & CO COM 949746101 256,387 3,203 SH SOLE 3,203 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 478,476 627 SH SOLE 627 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,196,873 3,198 SH SOLE 3,198 0 0
FLEXSHARES TR NORTHERN TRUST C 33939L761 441,676 9,447 SH SOLE 9,447 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 664,480 2,876 SH SOLE 2,876 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 444,462 4,959 SH SOLE 4,959 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 208,802 2,697 SH SOLE 2,697 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 326,165 927 SH SOLE 927 0 0
SALESFORCE INC COM 79466L302 1,726,137 7,519 SH SOLE 7,519 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 309,481 10,316 SH SOLE 10,316 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 296,280 5,882 SH SOLE 5,882 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 324,553 3,634 SH SOLE 3,634 0 0
ISHARES TR HIGH YLD SYSTM B 46435G250 284,012 6,317 SH SOLE 6,317 0 0
SPDR SERIES TRUST ST INTER BD ETF 78464A375 417,735 12,941 SH SOLE 12,941 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 488,671 6,985 SH SOLE 6,985 0 0
ISHARES TR CORE S&P TTL STK 464287150 1,596,787 9,603 SH SOLE 9,603 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 227,300 6,987 SH SOLE 6,987 0 0
ISHARES TR CORE DIV GRWTH 46434V621 236,121 3,132 SH SOLE 3,132 0 0