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
ALPHABET INC CAP STK CL A 02079K305 358,875 1,043 SH SOLE 0 0 0 1,043
AMAZON COM INC COM 023135106 490,576 1,969 SH SOLE 0 0 0 1,969
AMERICAN CENTY ETF TR US SML CP VALU 025072877 274,169 2,328 SH SOLE 0 0 0 2,328
APPLE INC COM 037833100 974,351 2,926 SH SOLE 0 0 0 2,926
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 1,620,109 23,392 SH SOLE 0 0 0 23,392
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 227,789 4,485 SH SOLE 0 0 0 4,485
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788 1,525,382 30,356 SH SOLE 0 0 0 30,356
BROADCOM INC COM 11135F101 316,422 901 SH SOLE 0 0 0 901
COLUMBIA ETF TR I RESH ENHNC COR 19761L706 450,346 9,988 SH SOLE 0 0 0 9,988
COSTCO WHOLESALE CORPORATION COM 22160K105 331,963 365 SH SOLE 0 0 0 365
ETF SER SOLUTIONS APTUS INT ENH YL 26922B709 745,711 27,275 SH SOLE 0 0 0 27,275
ETF SER SOLUTIONS APTUS ENHANCED 26922B642 1,521,003 70,482 SH SOLE 0 0 0 70,482
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 514,962 11,893 SH SOLE 0 0 0 11,893
FIRST TR EXCHANGE-TRADED FD FT VEST RIS 33738D879 2,053,340 73,649 SH SOLE 0 0 0 73,649
GLOBAL X FDS US PFD ETF 37954Y657 1,139,110 64,722 SH SOLE 0 0 0 64,722
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 710,601 15,502 SH SOLE 0 0 0 15,502
INNOVATOR ETFS TRUST US EQTY PWR BF 45782C680 364,337 7,810 SH SOLE 0 0 0 7,810
INVESCO EXCH TRADED FD TR II S&P INTL MOMNT 46138E222 287,305 4,707 SH SOLE 0 0 0 4,707
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 174,447 10,808 SH SOLE 0 0 0 10,808
ISHARES INC EM MKTS DIV ETF 464286319 600,090 17,650 SH SOLE 0 0 0 17,650
ISHARES TR CORE S&P MCP ETF 464287507 412,186 5,729 SH SOLE 0 0 0 5,729
ISHARES TR BROAD USD HIGH 46435U853 570,127 15,961 SH SOLE 0 0 0 15,961
ISHARES TR 20 YR TR BD ETF 464287432 481,095 6,185 SH SOLE 0 0 0 6,185
ISHARES TR 3 7 YR TREAS BD 464288661 424,492 3,742 SH SOLE 0 0 0 3,742
ISHARES TR ISHS 5-10YR INVT 464288638 314,385 6,244 SH SOLE 0 0 0 6,244
ISHARES TR CORE 60 BALA ETF 464289867 214,553 3,131 SH SOLE 0 0 0 3,131
ISHARES TR CORE MSCI PAC 46434V696 205,783 2,418 SH SOLE 0 0 0 2,418
ISHARES TR 10-20 YR TRS ETF 464288653 241,301 2,618 SH SOLE 0 0 0 2,618
ISHARES TR INTL DIV GRWTH 46435G524 1,478,333 16,655 SH SOLE 0 0 0 16,655
ISHARES TR CORE S&P SCP ETF 464287804 1,677,089 12,328 SH SOLE 0 0 0 12,328
ISHARES TR CALIF MUN BD ETF 464288356 234,177 4,327 SH SOLE 0 0 0 4,327
ISHARES TR 0-5YR HI YL CP 46434V407 362,464 8,787 SH SOLE 0 0 0 8,787
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,781,115 35,361 SH SOLE 0 0 0 35,361
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 2,373,565 38,746 SH SOLE 0 0 0 38,746
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 854,982 8,853 SH SOLE 0 0 0 8,853
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 1,476,811 32,979 SH SOLE 0 0 0 32,979
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 2,544,306 50,412 SH SOLE 0 0 0 50,412
JPMORGAN CHASE & CO COM 46625H100 204,122 617 SH SOLE 0 0 0 617
MCDONALDS CORP COM 580135101 272,740 1,181 SH SOLE 0 0 0 1,181
META PLATFORMS INC CL A 30303M102 251,637 347 SH SOLE 0 0 0 347
MICROSOFT CORP COM 594918104 837,731 1,633 SH SOLE 0 0 0 1,633
NVIDIA CORPORATION COM 67066G104 978,152 4,283 SH SOLE 0 0 0 4,283
PIMCO ETF TR MULTISECTOR BD 72201R585 4,298,564 169,301 SH SOLE 0 0 0 169,301
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,118,050 21,065 SH SOLE 0 0 0 21,065
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,144,047 13,151 SH SOLE 0 0 0 13,151
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 997,235 18,952 SH SOLE 0 0 0 18,952
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 256,969 10,843 SH SOLE 0 0 0 10,843
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 401,761 13,707 SH SOLE 0 0 0 13,707
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,293,908 36,012 SH SOLE 0 0 0 36,012
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,220,539 35,877 SH SOLE 0 0 0 35,877
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 252,769 10,594 SH SOLE 0 0 0 10,594
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 565,614 18,854 SH SOLE 0 0 0 18,854
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,987,492 122,579 SH SOLE 0 0 0 122,579
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,605,008 8,199 SH SOLE 0 0 0 8,199
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,219,203 9,906 SH SOLE 0 0 0 9,906
SPDR SERIES TRUST ST STR MSCI USAQ 78468R812 249,606 1,313 SH SOLE 0 0 0 1,313
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 320,822 3,459 SH SOLE 0 0 0 3,459
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 3,435,676 91,814 SH SOLE 0 0 0 91,814
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 506,373 664 SH SOLE 0 0 0 664
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 472,613 1,036 SH SOLE 0 0 0 1,036
TESLA INC COM 88160R101 760,358 2,143 SH SOLE 0 0 0 2,143
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 679,966 6,432 SH SOLE 0 0 0 6,432
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 7,091,811 78,702 SH SOLE 0 0 0 78,702
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 503,255 1,345 SH SOLE 0 0 0 1,345
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1,957,871 9,061 SH SOLE 0 0 0 9,061
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 3,140,441 40,046 SH SOLE 0 0 0 40,046
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,099,564 14,410 SH SOLE 0 0 0 14,410
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 2,662,026 9,357 SH SOLE 0 0 0 9,357
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 280,684 4,732 SH SOLE 0 0 0 4,732
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 523,683 7,195 SH SOLE 0 0 0 7,195
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 283,547 4,016 SH SOLE 0 0 0 4,016
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,856,379 11,961 SH SOLE 0 0 0 11,961
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 612,231 6,608 SH SOLE 0 0 0 6,608
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 286,096 1,776 SH SOLE 0 0 0 1,776