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
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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
NEOS ETF TRUST NASDAQ 100 HDGD 78433H576 566,440 10,199 SH SOLE 0 0 10,199
NUVEEN S&P 500 DYNAMIC OVERW COM 6706EW100 1,797,849 97,234 SH SOLE 0 0 97,234
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,675,556 128,273 SH SOLE 0 0 128,273
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,947,881 580,556 SH SOLE 0 0 580,556
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,990,946 545,580 SH SOLE 0 0 545,580
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,242,589 130,421 SH SOLE 0 0 130,421
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 725,784 21,334 SH SOLE 0 0 21,334
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,248,415 38,260 SH SOLE 0 0 38,260
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 6,806,488 89,890 SH SOLE 0 0 89,890
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,602,215 11,153 SH SOLE 0 0 11,153
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,519,955 159,274 SH SOLE 0 0 159,274
AMAZON COM INC COM 023135106 2,172,588 8,720 SH SOLE 0 0 8,720
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,851,462 15,721 SH SOLE 0 0 15,721
FIRST TR EXCHANGE-TRADED FD NASDAQ CYB ETF 33734X846 1,834,656 17,797 SH SOLE 0 0 17,797
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263 491,115 7,878 SH SOLE 0 0 7,878
ISHARES TR CORE S&P SCP ETF 464287804 3,500,076 25,728 SH SOLE 0 0 25,728
ISHARES GOLD TR ISHARES NEW 464285204 1,848,437 23,668 SH SOLE 0 0 23,668
ISHARES TR US INFRASTRUC 46435U713 578,365 10,510 SH SOLE 0 0 10,510
MICROSOFT CORP COM 594918104 4,291,476 8,367 SH SOLE 0 0 8,367
T ROWE PRICE EXCHANGE-TRADED PRICE DIV GRWT 87283Q404 4,502,272 93,292 SH SOLE 0 0 93,292
TCW ETF TRUST TRANS SYSTE ETF 29287L205 488,730 4,646 SH SOLE 0 0 4,646
VANECK ETF TRUST MORN SMID MO ETF 92189H730 1,786,948 47,684 SH SOLE 0 0 47,684
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 8,810,015 83,341 SH SOLE 0 0 83,341
WISDOMTREE TR QUANT COMPU FD 97717Y295 385,554 12,026 SH SOLE 0 0 12,026
ISHARES TR MSCI EAFE ETF 464287465 330,890 3,185 SH SOLE 0 0 3,185
ISHARES TR MSCI EAFE MIN VL 46429B689 1,422,316 15,609 SH SOLE 0 0 15,609
ISHARES TR NATIONAL MUN ETF 464288414 948,217 9,379 SH SOLE 0 0 9,379
ISHARES TR S&P 500 GRWT ETF 464287309 433,039 3,044 SH SOLE 0 0 3,044
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,473,365 4,554 SH SOLE 0 0 4,554
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,766,379 124,152 SH SOLE 0 0 124,152
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 703,941 2,474 SH SOLE 0 0 2,474
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,511,104 53,022 SH SOLE 0 0 53,022
ISHARES TR CORE US AGGBD ET 464287226 9,146,606 96,749 SH SOLE 0 0 96,749
ISHARES INC MSCI EMERG MRKT 464286533 1,116,512 15,078 SH SOLE 0 0 15,078
EATON VANCE ENHANCED EQUITY COM 278274105 736,362 37,059 SH SOLE 0 0 37,059
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,556,622 31,626 SH SOLE 0 0 31,626
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,930,356 18,894 SH SOLE 0 0 18,894
NVIDIA CORPORATION COM 67066G104 1,290,488 5,651 SH SOLE 0 0 5,651
PALANTIR TECHNOLOGIES INC CL A 69608A108 243,726 1,303 SH SOLE 0 0 1,303
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 451,376 7,610 SH SOLE 0 0 7,610
ALTRIA GROUP INC COM 02209S103 314,665 4,673 SH SOLE 0 0 4,673
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 285,040 1,751 SH SOLE 0 0 1,751
JOHNSON & JOHNSON COM 478160104 474,976 1,794 SH SOLE 0 0 1,794
PHILIP MORRIS INTL INC COM 718172109 346,321 1,815 SH SOLE 0 0 1,815
HOME DEPOT INC COM 437076102 374,407 1,316 SH SOLE 0 0 1,316
ISHARES TR U.S. MED DVC ETF 464288810 296,073 5,788 SH SOLE 0 0 5,788
ALPHABET INC CAP STK CL A 02079K305 1,013,316 2,945 SH SOLE 0 0 2,945
APPLE INC COM 037833100 6,522,713 19,587 SH SOLE 0 0 19,587
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,278,736 2,568 SH SOLE 0 0 2,568
SPDR GOLD TR GOLD SHS 78463V107 476,812 1,252 SH SOLE 0 0 1,252
ISHARES TR CORE MSCI TOTAL 46432F834 389,910 4,105 SH SOLE 0 0 4,105
ISHARES TR CORE S&P500 ETF 464287200 650,397 849 SH SOLE 0 0 849
ISHARES TR MSCI USA MIN ETF 46429B697 2,367,188 24,294 SH SOLE 0 0 24,294
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 12,178,193 32,541 SH SOLE 0 0 32,541
IRON MTN INC DEL COM 46284V101 216,796 1,954 SH SOLE 0 0 1,954
LOCKHEED MARTIN CORP COM 539830109 213,776 420 SH SOLE 0 0 420
REALTY INCOME CORP COM 756109104 284,261 5,235 SH SOLE 0 0 5,235
ISHARES INC MSCI EMRG CHN 46434G764 291,692 2,944 SH SOLE 0 0 2,944
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 202,852 8,502 SH SOLE 0 0 8,502
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 227,670 3,702 SH SOLE 0 0 3,702
COSTCO WHOLESALE CORPORATION COM 22160K105 821,139 902 SH SOLE 0 0 902
ORACLE CORP COM 68389X105 367,250 2,675 SH SOLE 0 0 2,675
VERIZON COMMUNICATIONS INC COM 92343V104 463,530 10,105 SH SOLE 0 0 10,105
ISHARES TR PFD AND INCM SEC 464288687 711,422 24,116 SH SOLE 0 0 24,116
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 398,018 11,078 SH SOLE 0 0 11,078
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 822,486 3,560 SH SOLE 0 0 3,560
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,932,710 28,999 SH SOLE 0 0 28,999
ABBVIE INC COM 00287Y109 570,528 2,181 SH SOLE 0 0 2,181
ELI LILLY & CO COM 532457108 675,735 584 SH SOLE 0 0 584
ADVISORS INNER CIRCLE FD III GQG US EQUIT ETF 00775Y256 864,983 32,740 SH SOLE 0 0 32,740
ISHARES TR GLOBAL ENERG ETF 464287341 802,460 14,086 SH SOLE 0 0 14,086
ISHARES TR MSCI JP VALUE 46435U374 1,069,134 22,039 SH SOLE 0 0 22,039
T ROWE PRICE EXCHANGE-TRADED INTL EQUITY ETF 87283Q834 831,777 21,644 SH SOLE 0 0 21,644
T ROWE PRICE EXCHANGE-TRADED SMALL MID CAP 87283Q826 442,836 10,881 SH SOLE 0 0 10,881
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 960,234 13,618 SH SOLE 0 0 13,618
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 470,169 5,246 SH SOLE 0 0 5,246
ISHARES GOLD TR ISHARES NEW 464285204 58,534 749 SH SOLE 0 0 749
ALPHABET INC CAP STK CL C 02079K107 1,073,678 3,151 SH SOLE 0 0 3,151
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 959,174 17,061 SH SOLE 0 0 17,061
PIMCO CORPORATE & INCOME OPP COM 72201B101 199,754 18,143 SH SOLE 0 0 18,143
INVESCO QQQ TR UNIT SER 1 46090E103 692,891 937 SH SOLE 0 0 937
ISHARES TR EXPND TEC SC ETF 464287549 555,799 3,288 SH SOLE 0 0 3,288
VANECK FDS EMER MARK BD ETF 92107P772 621,210 12,576 SH SOLE 0 0 12,576
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 470,566 6,708 SH SOLE 0 0 6,708
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 519,937 10,237 SH SOLE 0 0 10,237
BLACKROCK ENHANCED LARGE CAP COM 09256A109 1,077,336 44,889 SH SOLE 0 0 44,889
CATERPILLAR INC COM 149123101 287,020 354 SH SOLE 0 0 354
JPMORGAN CHASE & CO COM 46625H100 1,470,543 4,445 SH SOLE 0 0 4,445
WALMART INC COM 931142103 685,840 6,600 SH SOLE 0 0 6,600
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 230,216 1,609 SH SOLE 0 0 1,609
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 520,456 17,349 SH SOLE 0 0 17,349
PIMCO DYNAMIC INCOME FD SHS 72201Y101 180,257 12,848 SH SOLE 0 0 12,848
MCDONALDS CORP COM 580135101 274,230 1,187 SH SOLE 0 0 1,187
ISHARES TR 1 3 YR TREAS BD 464287457 292,888 3,607 SH SOLE 0 0 3,607
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 445,203 3,907 SH SOLE 0 0 3,907
STMICROELECTRONICS N V NY REGISTRY 861012102 512,416 9,603 SH SOLE 0 0 9,603
ISHARES TR IBONDS DEC 26 46435U259 233,170 9,094 SH SOLE 0 0 9,094
ISHARES TR IBONDS DEC 27 46435U283 230,088 9,116 SH SOLE 0 0 9,116
ISHARES TR IBONDS DEC 28 46435U325 328,404 13,063 SH SOLE 0 0 13,063
ISHARES TR RUS MID CAP ETF 464287499 322,264 3,020 SH SOLE 0 0 3,020
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 426,941 5,965 SH SOLE 0 0 5,965
CISCO SYS INC COM 17275R102 302,862 2,814 SH SOLE 0 0 2,814
COCA COLA CO COM 191216100 215,707 2,506 SH SOLE 0 0 2,506
MORGAN STANLEY COM NEW 617446448 216,292 1,150 SH SOLE 0 0 1,150
TARGET CORP COM 87612E106 254,440 1,624 SH SOLE 0 0 1,624
ISHARES TR RUS 1000 GRW ETF 464287614 304,382 2,430 SH SOLE 0 0 2,430
BROADCOM INC COM 11135F101 328,714 936 SH SOLE 0 0 936
META PLATFORMS INC CL A 30303M102 570,717 787 SH SOLE 0 0 787
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 542,581 5,755 SH SOLE 0 0 5,755
PFIZER INC COM 717081103 247,667 8,684 SH SOLE 0 0 8,684
ISHARES TR US INDUSTRIALS 464287754 536,488 3,498 SH SOLE 0 0 3,498
INVESCO ADVANTAGE MUN INCOME SH BEN INT 46132E103 122,380 16,361 SH SOLE 0 0 16,361
WESTERN UN CO COM 959802109 78,747 13,347 SH SOLE 0 0 13,347
VANECK ETF TRUST MORTGAGE REIT 92189F452 148,393 17,645 SH SOLE 0 0 17,645
ISHARES TR U.S. UTILITS ETF 464287697 219,327 2,175 SH SOLE 0 0 2,175
ISHARES TR IBOXX INV CP ETF 464287242 237,569 2,325 SH SOLE 0 0 2,325
VANGUARD STAR FDS VG TL INTL STK F 921909768 317,746 3,740 SH SOLE 0 0 3,740
ISHARES TR US HLTHCARE ETF 464287762 384,635 5,375 SH SOLE 0 0 5,375
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 237,510 390 SH SOLE 0 0 390