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
AMAZON COM INC COM Stock 023135106 676,193 2,714 SH SOLE 0 2,714 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 13,787,686 18,638 SH SOLE 0 18,637 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,035,200 3,910 SH SOLE 0 3,910 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 1,349,201 17,331 SH SOLE 0 17,330 0 0
WILLIAMS SONOMA INC COM Stock 969904101 237,058 1,040 SH SOLE 0 1,040 0 0
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF ETF 922908769 406,799 1,087 SH SOLE 0 1,087 0 0
COSTCO WHOLESALE CORPORATION COM Stock 22160K105 589,900 648 SH SOLE 0 648 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 550,120 611 SH SOLE 0 611 0 0
SHELL PLC SPON ADS ADR 780259305 385,523 4,056 SH SOLE 0 4,056 0 0
PROCTER & GAMBLE CO COM Stock 742718109 645,260 4,441 SH SOLE 0 4,441 0 0
INTEL CORP COM Stock 458140100 406,498 3,381 SH SOLE 0 3,381 0 0
STATE STR CORP COM Stock 857477103 240,061 1,375 SH SOLE 0 1,375 0 0
NETFLIX INC. COM Stock 64110L106 578,140 8,309 SH SOLE 0 8,309 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 390,452 2,106 SH SOLE 0 2,106 0 0
MYR GROUP INC COM Stock 55405W104 263,214 900 SH SOLE 0 900 0 0
MERCK & CO INC COM Stock 58933Y105 996,827 6,860 SH SOLE 0 6,860 0 0
STATE STREET SPDR S&P 500 ETF ETF 78462F103 590,276 774 SH SOLE 0 774 0 0
MCKESSON CORP COM Stock 58155Q103 235,652 276 SH SOLE 0 276 0 0
TOTALENERGIES SE ACT Stock F92124100 270,351 3,162 SH SOLE 0 3,162 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 246,507 447 SH SOLE 0 447 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,061,585 8,013 SH SOLE 0 8,013 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 1,286,400 5,000 SH Put SOLE 0 5,000 0 0
STEEL DYNAMICS INC COM Stock 858119100 346,598 1,564 SH SOLE 0 1,564 0 0
ALLSTATE CORP COM Stock 020002101 314,597 1,418 SH SOLE 0 1,418 0 0
ISHARES TIPS BOND ETF ETF 464287176 697,796 6,707 SH SOLE 0 6,707 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 273,844 5,970 SH SOLE 0 5,970 0 0
CHUBB LIMITED COM Stock H1467J104 396,480 1,219 SH SOLE 0 1,219 0 0
SNAP ON INC COM Stock 833034101 359,717 990 SH SOLE 0 990 0 0
PULTE GROUP INC COM Stock 745867101 406,442 3,502 SH SOLE 0 3,502 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 272,704 1,302 SH SOLE 0 1,302 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,483,422 45,462 SH SOLE 0 45,461 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100 249,581 9,285 SH SOLE 0 9,285 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 3,882,801 132,474 SH SOLE 0 132,473 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,768,411 64,376 SH SOLE 0 64,376 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 17,459,067 173,636 SH SOLE 0 173,635 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 301,623 8,275 SH SOLE 0 8,274 0 0
SOUTHERN COPPER CORP COM Stock 84265V105 225,741 1,114 SH SOLE 0 1,114 0 0
VICTORY CAP HLDGS INC DEL COM CL A Stock 92645B103 375,045 3,391 SH SOLE 0 3,391 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 460,227 1,338 SH SOLE 0 1,337 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753 8,116,611 140,135 SH SOLE 0 140,134 0 0
MICROSOFT CORP COM Stock 594918104 2,953,079 5,758 SH SOLE 0 5,757 0 0
VALERO ENERGY CORP COM Stock 91913Y100 287,994 743 SH SOLE 0 743 0 0
GARMIN LTD SHS Stock H2906T109 440,013 1,534 SH SOLE 0 1,534 0 0
CBOE GLOBAL MKTS INC COM Stock 12503M108 209,220 760 SH SOLE 0 760 0 0
ELASTIC N V ORD SHS Stock N14506104 3,048,567 33,245 SH SOLE 0 33,245 0 0
TESLA INC COM Stock 88160R101 352,681 994 SH SOLE 0 994 0 0
ISHARES MSCI USA QUALITY GARP ETF ETF 46436E403 15,631,683 183,341 SH SOLE 0 183,341 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 282,892 895 SH SOLE 0 895 0 0
PUBLIC STORAGE COM REIT 74460D109 271,809 961 SH SOLE 0 961 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 445,574 18,675 SH SOLE 0 18,674 0 0
NEWMARKET CORP COM Stock 651587107 246,818 275 SH SOLE 0 275 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 365,296 2,907 SH SOLE 0 2,906 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 223,044 6,696 SH SOLE 0 6,696 0 0
AMPHENOL CORP CL A Stock 032095101 212,099 2,516 SH SOLE 0 2,516 0 0
WELLTOWER INC COM REIT 95040Q104 270,762 1,176 SH SOLE 0 1,176 0 0
ELI LILLY & CO COM Stock 532457108 2,063,074 1,783 SH SOLE 0 1,783 0 0
DATADOG INC CL A COM Stock 23804L103 210,317 768 SH SOLE 0 768 0 0
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 14,479,210 122,945 SH SOLE 0 122,944 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,736,603 6,249 SH SOLE 0 6,249 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 217,987 1,912 SH SOLE 0 1,912 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 1,332,453 1,251 SH SOLE 0 1,251 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,025,279 2,059 SH SOLE 0 2,059 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 4,830,899 47,983 SH SOLE 0 47,982 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,364,010 8,970 SH SOLE 0 8,969 0 0
EDISON INTL COM Stock 281020107 238,561 4,440 SH SOLE 0 4,440 0 0
INVESCO NASDAQ 100 ETF ETF 46138G649 534,339 1,754 SH SOLE 0 1,754 0 0
JANUS HENDERSON AAA CLO ETF ETF 47103U845 491,614 9,741 SH SOLE 0 9,740 0 0
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104 204,675 3,909 SH SOLE 0 3,909 0 0
VANGUARD MORNINGSTAR MID-CAP GROWTH ETF ETF 922908538 231,635 793 SH SOLE 0 793 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 545,112 16,757 SH SOLE 0 16,757 0 0
VISA INC COM CL A Stock 92826C839 566,172 1,576 SH SOLE 0 1,575 0 0
INVESCO S&P 500 GARP ETF ETF 46137V431 1,385,204 11,658 SH SOLE 0 11,658 0 0
VANGUARD MORNINGSTAR VALUE ETF ETF 922908744 772,722 3,576 SH SOLE 0 3,576 0 0
VANGUARD MORNINGSTAR GROWTH ETF ETF 922908736 585,565 6,498 SH SOLE 0 6,498 0 0
JPMORGAN INCOME ETF ETF 46641Q159 29,335,146 653,490 SH SOLE 0 653,489 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 36,330,376 218,489 SH SOLE 0 218,489 0 0
HARBOR COMMODITY ALL-WEATHER STRATEGY ETF ETF 41151J505 6,409,010 181,764 SH SOLE 0 181,764 0 0
META PLATFORMS INC CL A Stock 30303M102 1,539,557 2,123 SH SOLE 0 2,123 0 0
CAPITAL GROUP GROWTH ETF ETF 14020G101 235,775 4,971 SH SOLE 0 4,971 0 0
ASML HLDG NV N Y REGISTRY SHS ADR N07059210 304,361 168 SH SOLE 0 168 0 0
BANCO SANTANDER SA ADR ADR 05964H105 179,735 12,996 SH SOLE 0 12,996 0 0
MATSON INC COM Stock 57686G105 257,418 1,172 SH SOLE 0 1,172 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 25,377,822 240,070 SH SOLE 0 240,070 0 0
PACKAGING CORP AMER COM Stock 695156109 249,435 1,088 SH SOLE 0 1,088 0 0
BROADCOM INC COM Stock 11135F101 238,809 680 SH SOLE 0 680 0 0
CAPITAL GROUP MUNICIPAL INCOME ETF ETF 14020Y201 514,656 19,840 SH SOLE 0 19,840 0 0
ISHARES GNMA BOND ETF ETF 46429B333 760,974 18,179 SH SOLE 0 18,179 0 0
D R HORTON INC COM Stock 23331A109 329,873 2,414 SH SOLE 0 2,414 0 0
INVESCO S&P INTERNATIONAL DEVELOPED MOMENTUM ETF ETF 46138E222 225,421 3,693 SH SOLE 0 3,693 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 10,490,457 108,283 SH SOLE 0 108,283 0 0
CF INDUSTRIES HOLD COM Stock 125269100 424,858 3,688 SH SOLE 0 3,688 0 0
NVIDIA CORPORATION COM Stock 67066G104 4,781,221 20,935 SH SOLE 0 20,935 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 372,701 4,492 SH SOLE 0 4,492 0 0
TAIWAN SEMICONDUCTOR MANUFACT SPONSORED ADS ADR 874039100 422,432 926 SH SOLE 0 926 0 0
ISHARES US POWER INFRASTRUCTURE ETF ETF 464286343 487,757 20,172 SH SOLE 0 20,171 0 0
QUALCOMM INC COM Stock 747525103 312,099 1,696 SH SOLE 0 1,695 0 0
STATE STREET BLACKSTONE SENIOR LOAN ETF ETF 78467V608 368,734 9,129 SH SOLE 0 9,129 0 0
RETURN STACKED U.S. STOCKS & MANAGED FUTURES ETF ETF 88636J816 2,467,968 69,618 SH SOLE 0 69,618 0 0
FASTENAL CO COM Stock 311900104 270,236 5,456 SH SOLE 0 5,456 0 0
ISHARES LARGE CAP DEEP QUARTERLY LADDERED ETF ETF 092528801 363,653 10,275 SH SOLE 0 10,275 0 0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF ETF 46654Q724 393,341 5,687 SH SOLE 0 5,686 0 0
MCDONALDS CORP COM Stock 580135101 458,416 1,985 SH SOLE 0 1,985 0 0
QUEST DIAGNOSTICS INC COM Stock 74834L100 221,417 950 SH SOLE 0 950 0 0
CISCO SYS INC COM Stock 17275R102 795,998 7,396 SH SOLE 0 7,395 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 259,386 424 SH SOLE 0 424 0 0
AT&T INC COM Stock 00206R102 237,160 9,720 SH SOLE 0 9,719 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 5,251,656 72,079 SH SOLE 0 72,078 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771 30,188,021 959,263 SH SOLE 0 959,263 0 0
GE AEROSPACE COM NEW Stock 369604301 224,537 719 SH SOLE 0 719 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,534,382 4,835 SH SOLE 0 4,835 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 235,761 890 SH SOLE 0 890 0 0
GOLDMAN SACHS DYNAMIC CALIFORNIA MUNICIPAL INCOME ETF ETF 38149W564 5,327,418 109,844 SH SOLE 0 109,843 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 24,010,782 168,781 SH SOLE 0 168,780 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 1,437,139 1,877 SH SOLE 0 1,876 0 0
WELLS FARGO & CO COM Stock 949746101 432,910 5,408 SH SOLE 0 5,408 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 274,070 406 SH SOLE 0 406 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 935,918 2,829 SH SOLE 0 2,829 0 0
HARTFORD INSURANCE GROUP INC COM Stock 416515104 223,919 1,830 SH SOLE 0 1,830 0 0
VANGUARD 0-3 MONTH TREASURY BILL ETF ETF 922040845 2,759,736 36,447 SH SOLE 0 36,446 0 0
CHEVRON CORPORATION COM Stock 166764100 1,052,067 5,152 SH SOLE 0 5,151 0 0
CONOCOPHILLIPS COM Stock 20825C104 236,532 1,890 SH SOLE 0 1,889 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 864,266 12,240 SH SOLE 0 12,240 0 0
CINCINNATI FINL CORP COM Stock 172062101 335,474 2,105 SH SOLE 0 2,105 0 0
BANK OF AMER CORP COM Stock 060505104 625,346 11,489 SH SOLE 0 11,489 0 0
WALMART INC COM Stock 931142103 561,792 5,406 SH SOLE 0 5,406 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 732,565 17,363 SH SOLE 0 17,363 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 841,798 3,828 SH SOLE 0 3,827 0 0
TEXAS INSTRS INC COM Stock 882508104 410,612 1,466 SH SOLE 0 1,466 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 402,794 3,942 SH SOLE 0 3,942 0 0
MORGAN STANLEY COM NEW Stock 617446448 242,623 1,290 SH SOLE 0 1,290 0 0
ISHARES MSCI USA VALUE FACTOR ETF ETF 46432F388 239,184 1,208 SH SOLE 0 1,208 0 0
GILEAD SCIENCES INC COM Stock 375558103 411,676 2,762 SH SOLE 0 2,762 0 0
CATERPILLAR INC COM Stock 149123101 1,122,944 1,385 SH SOLE 0 1,385 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 1,774,764 5,209 SH SOLE 0 5,208 0 0
AMGEN INC COM Stock 031162100 438,792 1,041 SH SOLE 0 1,041 0 0
APPLIED MATLS INC COM Stock 038222105 842,243 1,647 SH SOLE 0 1,647 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 6,048,828 52,722 SH SOLE 0 52,722 0 0
AGNICO EAGLE MINES LTD COM Stock 008474108 309,360 1,688 SH SOLE 0 1,688 0 0
ARISTA NETWORKS INC COM SHS Stock 040413205 1,112,416 5,464 SH SOLE 0 5,464 0 0
AB CALIFORNIA INTERMEDIATE MUNICIPAL ETF ETF 00039J772 3,809,074 158,118 SH SOLE 0 158,118 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 598,600 2,566 SH SOLE 0 2,565 0 0
EQUABLE SHARES HEDGED EQUITY ETF ETF 81752T411 7,123,283 231,831 SH SOLE 0 231,830 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 640,497 6,775 SH SOLE 0 6,774 0 0
SYNCHRONY FINANCIAL COM Stock 87165B103 268,196 3,779 SH SOLE 0 3,779 0 0
AXON ENTERPRISE INC COM Stock 05464C101 456,322 1,080 SH SOLE 0 1,080 0 0
CITIZENS FINL GROUP INC COM Stock 174610105 229,472 3,599 SH SOLE 0 3,599 0 0
CAL MAINE FOODS INC COM NEW Stock 128030202 266,455 3,915 SH SOLE 0 3,915 0 0
LAM RESEARCH CORP COM NEW Stock 512807306 592,304 1,803 SH SOLE 0 1,803 0 0
NUCOR CORP COM Stock 670346105 560,299 2,397 SH SOLE 0 2,397 0 0
JPMORGAN CALIFORNIA TAX FREE BOND ETF ETF 46654Q484 2,128,784 44,968 SH SOLE 0 44,967 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 296,273 1,333 SH SOLE 0 1,333 0 0
CADENCE DESIGN SYSTEM INC COM Stock 127387108 233,111 706 SH SOLE 0 706 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 637,980 3,920 SH SOLE 0 3,920 0 0
EVERCORE INC CLASS A Stock 29977A105 206,000 800 SH SOLE 0 800 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 798,348 11,096 SH SOLE 0 11,095 0 0
APPLE INC COM Stock 037833100 6,734,973 20,224 SH SOLE 0 20,223 0 0