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
Vanguard S&P 500 ETF Equity ETF 922908363 17,044,832 26,150 SH SOLE 0 0 26,150
SPDR Gold Trust Commodity ETF 78463V107 13,602,658 40,521 SH SOLE 0 0 40,521
SPDR Portfolio Short Term Corporate Bond ETF Bond ETF 78464A474 8,240,621 297,355 SH SOLE 0 0 297,355
iShares Short Treasury Bond ETF Bond ETF 464288679 6,727,782 84,399 SH SOLE 0 0 84,399
Vanguard FTSE Developed Markets ETF Equity ETF 921943858 5,843,927 87,290 SH SOLE 0 0 87,290
SPDR S&P Dividend ETF Equity ETF 78464A763 5,572,442 41,276 SH SOLE 0 0 41,276
Invesco S&P 500 Equal Weight Technology ETF Equity ETF 46137V282 5,209,015 91,018 SH SOLE 0 0 91,018
Vanguard Short-Term Corporate Bond ETF Bond ETF 92206C409 5,001,399 90,049 SH SOLE 0 0 90,049
Vanguard Short-Term Treasury ETF Bond ETF 92206C102 4,887,586 89,557 SH SOLE 0 0 89,557
iShares MSCI Switzerland Fund Equity ETF 464286749 4,731,192 84,361 SH SOLE 0 0 84,361
Vanguard High Dividend Yield ETF Equity ETF 921946406 4,724,605 33,367 SH SOLE 0 0 33,367
iShares MSCI EMU Fund Equity ETF 464286608 4,522,000 83,105 SH SOLE 0 0 83,105
First Trust Global Tactical Commodity Strategy Fund Commodity ETF 33739H101 4,418,512 156,073 SH SOLE 0 0 156,073
SPDR S&P 500 ETF Trust Equity ETF 78462F103 4,266,188 5,900 SH SOLE 0 0 5,900
SPDR Portfolio Intermediate Term Treasury ETF Bond ETF 78464A672 4,117,196 159,178 SH SOLE 0 0 159,178
Alphabet Inc Ordinary Share 02079K305 4,050,235 12,415 SH SOLE 0 0 12,415
iShares Aaa - A Rated Corporate Bond ETF Bond ETF 46429B291 4,042,189 119,166 SH SOLE 0 0 119,166
SPDR Bloomberg 1-3 Month T-Bill ETF Bond ETF 78468R663 3,847,829 93,525 SH SOLE 0 0 93,525
iShares Core S&P Total U.S. Stock Market ETF Equity ETF 464287150 3,667,897 29,225 SH SOLE 0 0 29,225
SPDR Portfolio Intermediate Term Corporate Bond ETF Bond ETF 78464A375 3,503,844 114,482 SH SOLE 0 0 114,482
Apple Inc Ordinary Share 037833100 3,358,957 10,638 SH SOLE 0 0 10,638
SPDR EURO STOXX 50 ETF Equity ETF 78463X202 3,337,379 61,979 SH SOLE 0 0 61,979
Ishares Msci Global Gold Miner Equity ETF 46434G855 2,909,486 55,260 SH SOLE 0 0 55,260
iShares TIPS Bond ETF USD (D Bond ETF 464287176 2,445,914 24,800 SH SOLE 0 0 24,800
Vanguard FTSE Emerging Markets ETF Equity ETF 922042858 2,409,981 44,036 SH SOLE 0 0 44,036
iShares Russell Mid-Cap ETF Equity ETF 464287499 2,063,594 21,536 SH SOLE 0 0 21,536
First Trust Exchange-Traded AlphaDEX Fund II Equity ETF 33737J232 1,995,686 26,925 SH SOLE 0 0 26,925
iShares MSCI All Country Asia ex Japan ETF Equity ETF 464288182 1,989,797 22,094 SH SOLE 0 0 22,094
SPDR Portfolio S&P 1500 Composite Stock Market ETF Equity ETF 78464A805 1,584,943 18,160 SH SOLE 0 0 18,160
SPDR Consumers Staples Select Sector ETF Equity ETF 81369Y308 1,496,005 19,576 SH SOLE 0 0 19,576
Invesco International Corporate Bond ETF Bond ETF 46138E636 1,297,352 61,539 SH SOLE 0 0 61,539
Microsoft Corp Ordinary Share 594918104 1,269,250 2,610 SH SOLE 0 0 2,610
iShares Global Energy ETF Equity ETF 464287341 1,178,137 21,811 SH SOLE 0 0 21,811
Schwab US Small Cap ETF Equity ETF 808524607 1,045,671 36,459 SH SOLE 0 0 36,459
Taiwan Semiconductor Manufacturing Co Ltd American Depository Receipt 874039100 981,419 2,269 SH SOLE 0 0 2,269
iShares US Healthcare ETF Equity ETF 464287762 956,266 19,444 SH SOLE 0 0 19,444
iShares Core High Dividend ETF Equity ETF 46429B663 861,578 32,500 SH SOLE 0 0 32,500
FT Cboe Vest U.S. Equity Deep Equity ETF 33740U802 836,827 21,140 SH SOLE 0 0 21,140
Visa Inc Ordinary Share 92826C839 833,684 2,447 SH SOLE 0 0 2,447
TotalEnergies SE Ordinary Share F92124100 816,010 10,475 SH SOLE 0 0 10,475
Invesco QQQ Trust Series I Equity ETF 46090E103 802,411 1,144 SH SOLE 0 0 1,144
Vanguard Global ex-US Real Est Equity ETF 922042676 778,081 19,300 SH SOLE 0 0 19,300
iShares Russell 3000 ETF Equity ETF 464287689 736,696 1,800 SH SOLE 0 0 1,800
Amazon.com Inc Ordinary Share 023135106 693,335 2,935 SH SOLE 0 0 2,935
IShares Tr.-S&P Gl.Mat.Ind. Equity ETF 464288695 676,820 6,672 SH SOLE 0 0 6,672
iShares MSCI Japan Index Equity ETF 46434G822 656,730 7,107 SH SOLE 0 0 7,107
iShares California Muni Bond USD Bond ETF 464288356 647,076 12,660 SH SOLE 0 0 12,660
First Trust California Municipal High Income ETF Bond ETF 33739P863 641,561 14,635 SH SOLE 0 0 14,635
NVIDIA Corp Ordinary Share 67066G104 621,028 2,868 SH SOLE 0 0 2,868
Mastercard Inc Ordinary Share 57636Q104 587,186 1,123 SH SOLE 0 0 1,123
iShares MSCI EAFE Fund Equity ETF 464287465 499,408 5,070 SH SOLE 0 0 5,070
FT Vest U.S. Equity Max Buffer Equity ETF 33740U612 452,314 13,798 SH SOLE 0 0 13,798
Procter & Gamble Co Ordinary Share 742718109 440,788 3,200 SH SOLE 0 0 3,200
Pfizer Inc Ordinary Share 717081103 411,565 15,220 SH SOLE 0 0 15,220
Berkshire Hathaway Inc Ordinary Share 084670702 373,453 791 SH SOLE 0 0 791
United Parcel Service Inc Ordinary Share 911312106 347,556 3,923 SH SOLE 0 0 3,923
Alphabet Inc Ordinary Share 02079K107 316,932 981 SH SOLE 0 0 981
iShares MSCI UK Fund Equity ETF 46435G334 297,791 6,750 SH SOLE 0 0 6,750
Coca-Cola Co Ordinary Share 191216100 295,859 3,625 SH SOLE 0 0 3,625
Vanguard California Tax-Exempt Bond ETF 922021605 278,006 3,110 SH SOLE 0 0 3,110
Invesco California AMT-Free Municipal Bond ETF Bond ETF 46138E206 266,952 12,620 SH SOLE 0 0 12,620
Alcon Inc. Ordinary Share H01301128 238,549 3,892 SH SOLE 0 0 3,892
Johnson & Johnson Ordinary Share 478160104 229,676 915 SH SOLE 0 0 915
Chevron Corporation Ordinary Share 166764100 226,729 1,171 SH SOLE 0 0 1,171
Booking Holdings Inc Ordinary Share 09857L108 226,132 1,464 SH SOLE 0 0 1,464
AbbVie Inc Ordinary Share 00287Y109 222,478 897 SH SOLE 0 0 897