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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 371,324 2,025 SH SOLE 0 0 2,025
AEROVIRONMENT INC COM 008073108 222,290 1,563 SH SOLE 0 0 1,563
ALPHABET INC CAP STK CL C 02079K107 1,044,619 3,065 SH SOLE 0 0 3,065
ALPHABET INC CAP STK CL A 02079K305 1,167,958 3,394 SH SOLE 0 0 3,394
ALTRIA GROUP INC COM 02209S103 268,552 3,988 SH SOLE 0 0 3,988
AMAZON COM INC COM 023135106 2,214,196 8,887 SH SOLE 0 0 8,887
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 351,304 3,898 SH SOLE 0 0 3,898
AMERICAN CENTY ETF TR US SML CP VALU 025072877 455,111 3,864 SH SOLE 0 0 3,864
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 200,672 2,134 SH SOLE 0 0 2,134
APPLE INC COM 037833100 6,481,577 19,463 SH SOLE 0 0 19,463
APPLIED MATLS INC COM 038222105 215,802 422 SH SOLE 0 0 422
ARCHER AVIATION INC COM CL A 03945R102 132,202 26,600 SH SOLE 0 0 26,600
ARK ETF TR INNOVATION ETF 00214Q104 657,825 7,383 SH SOLE 0 0 7,383
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,124,805 8,283 SH SOLE 0 0 8,283
BOEING CO COM 097023105 221,400 1,190 SH SOLE 0 0 1,190
BROADCOM INC COM 11135F101 225,113 641 SH SOLE 0 0 641
BROOKFIELD CORP CL A LTD VT SH 11271J107 1,551,264 42,547 SH SOLE 0 0 42,547
BUTTERFLY NETWORK INC COM CL A 124155102 316,960 35,375 SH SOLE 0 0 35,375
CHUBB LIMITED COM H1467J104 321,022 987 SH SOLE 0 0 987
COCA COLA CO COM 191216100 204,956 2,381 SH SOLE 0 0 2,381
COSTCO WHOLESALE CORPORATION COM 22160K105 1,989,093 2,185 SH SOLE 0 0 2,185
CROWDSTRIKE HLDGS INC CL A 22788C105 773,600 2,922 SH SOLE 0 0 2,922
CSX CORP COM 126408103 522,772 11,240 SH SOLE 0 0 11,240
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 221,705 4,031 SH SOLE 0 0 4,031
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 231,651 4,147 SH SOLE 0 0 4,147
ELI LILLY & CO COM 532457108 264,992 229 SH SOLE 0 0 229
EOS ENERGY ENTERPRISES INC COM CL A 29415C101 109,963 35,877 SH SOLE 0 0 35,877
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,458,733 56,783 SH SOLE 0 0 56,783
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 37,320 12,000 SH SOLE 0 0 12,000
INTERNATIONAL BUSINESS MACHS COM 459200101 806,703 3,668 SH SOLE 0 0 3,668
INVESCO QQQ TR UNIT SER 1 46090E103 3,802,606 5,140 SH SOLE 0 0 5,140
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 958,584 20,248 SH SOLE 0 0 20,248
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 388,520 9,380 SH SOLE 0 0 9,380
ISHARES INC MSCI ISRAEL ETF 464286632 502,265 4,140 SH SOLE 0 0 4,140
ISHARES INC MSCI EMERG MRKT 464286533 465,997 6,293 SH SOLE 0 0 6,293
ISHARES TR JPMORGAN USD EMG 464288281 3,684,368 40,558 SH SOLE 0 0 40,558
ISHARES TR CORE INTL AGGR 46435G672 819,574 16,658 SH SOLE 0 0 16,658
ISHARES TR FUTU EXPO TE ETF 46434V381 272,384 3,266 SH SOLE 0 0 3,266
ISHARES TR SHRT NAT MUN ETF 464288158 749,029 7,165 SH SOLE 0 0 7,165
ISHARES TR RUS 1000 VAL ETF 464287598 2,762,639 11,142 SH SOLE 0 0 11,142
ISHARES TR US AER DEF ETF 464288760 261,461 1,262 SH SOLE 0 0 1,262
ISHARES TR S&P 500 GRWT ETF 464287309 856,690 6,022 SH SOLE 0 0 6,022
ISHARES TR CORE DIV GRWTH 46434V621 341,969 4,536 SH SOLE 0 0 4,536
ISHARES TR MSCI CHINA ETF 46429B671 203,071 3,891 SH SOLE 0 0 3,891
ISHARES TR CORE S&P500 ETF 464287200 6,121,621 7,993 SH SOLE 0 0 7,993
ISHARES TR FLTG RATE NT ETF 46429B655 662,184 12,971 SH SOLE 0 0 12,971
ISHARES TR US TREAS BD ETF 46429B267 394,907 18,057 SH SOLE 0 0 18,057
ISHARES TR ISHARES SEMICDTR 464287523 863,196 1,518 SH SOLE 0 0 1,518
ISHARES TR CORE MSCI EAFE 46432F842 4,881,493 50,387 SH SOLE 0 0 50,387
ISHARES TR CORE US AGGBD ET 464287226 670,005 7,087 SH SOLE 0 0 7,087
ISHARES TR NATIONAL MUN ETF 464288414 12,879,712 127,395 SH SOLE 0 0 127,395
ISHARES TR TRUST ISHARE 0-1 464288679 861,141 7,805 SH SOLE 0 0 7,805
ISHARES TR MSCI USA MMENTM 46432F396 652,451 2,056 SH SOLE 0 0 2,056
ISHARES TR TRS FLT RT BD 46434V860 43,957,994 867,534 SH SOLE 0 0 867,534
ISHARES TR CHINA LG-CAP ETF 464287184 274,575 8,071 SH SOLE 0 0 8,071
ISHARES TR CALIF MUN BD ETF 464288356 13,623,665 251,730 SH SOLE 0 0 251,730
ISHARES TR 3 7 YR TREAS BD 464288661 5,631,844 49,646 SH SOLE 0 0 49,646
JOHNSON & JOHNSON COM 478160104 210,204 794 SH SOLE 0 0 794
JPMORGAN CHASE & CO COM 46625H100 683,164 2,065 SH SOLE 0 0 2,065
META PLATFORMS INC CL A 30303M102 634,704 875 SH SOLE 0 0 875
MICRON TECHNOLOGY INC COM 595112103 563,443 529 SH SOLE 0 0 529
MICROSOFT CORP COM 594918104 4,390,649 8,560 SH SOLE 0 0 8,560
NETFLIX INC. COM 64110L106 251,184 3,610 SH SOLE 0 0 3,610
NEXTDOOR HOLDINGS INC COM CL A 65345M108 36,450 15,000 SH SOLE 0 0 15,000
NUVEEN AMT FREE MUN CR INC F COM 67071L106 545,354 51,400 SH SOLE 0 0 51,400
NUVEEN AMT FREE QLTY MUN INC COM 670657105 432,825 43,500 SH SOLE 0 0 43,500
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 551,518 50,925 SH SOLE 0 0 50,925
NVIDIA CORPORATION COM 67066G104 2,357,619 10,323 SH SOLE 0 0 10,323
ORACLE CORP COM 68389X105 731,123 5,325 SH SOLE 0 0 5,325
PALANTIR TECHNOLOGIES INC CL A 69608A108 371,107 1,984 SH SOLE 0 0 1,984
PALO ALTO NETWORKS INC COM 697435105 806,539 2,030 SH SOLE 0 0 2,030
PATRIOT NATL BANCORP INC COM NEW 70336F203 112,082 121,828 SH SOLE 0 0 121,828
PATTERSON-UTI ENERGY INC COM 703481101 308,272 28,230 SH SOLE 0 0 28,230
PETROLEO BRASILEIRO S A SPONSORED ADR 71654V408 244,680 11,724 SH SOLE 0 0 11,724
PROGRESSIVE CORP COM 743315103 2,297,617 11,083 SH SOLE 0 0 11,083
RTX CORPORATION COM 75513E101 1,005,295 5,415 SH SOLE 0 0 5,415
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 512,720 17,090 SH SOLE 0 0 17,090
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,117,642 58,938 SH SOLE 0 0 58,938
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 337,749 14,251 SH SOLE 0 0 14,251
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,670,994 170,249 SH SOLE 0 0 170,249
SCHWAB STRATEGIC TR US REIT ETF 808524847 314,357 14,263 SH SOLE 0 0 14,263
SCHWAB STRATEGIC TR US TIPS ETF 808524870 275,384 10,958 SH SOLE 0 0 10,958
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,626,824 111,149 SH SOLE 0 0 111,149
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 252,630 1,500 SH SOLE 0 0 1,500
SIMPLIFY EXCHANGE TRADED FUN SHORT TERM TREA 82889N657 196,398 10,315 SH SOLE 0 0 10,315
SPDR GOLD TR GOLD SHS 78463V107 731,594 1,921 SH SOLE 0 0 1,921
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 6,170,673 119,217 SH SOLE 0 0 119,217
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 31,156,954 620,532 SH SOLE 0 0 620,532
SPDR SERIES TRUST ST STR SP BIOT 78464A870 936,438 2,774 SH SOLE 0 0 2,774
SPDR SERIES TRUST ST STR TIPS ETF 78464A656 1,905,988 78,210 SH SOLE 0 0 78,210
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 7,637,796 266,403 SH SOLE 0 0 266,403
SPDR SERIES TRUST ST STR PR SP1500 78464A805 33,010,667 358,616 SH SOLE 0 0 358,616
SPDR SERIES TRUST ST INTER BD ETF 78464A375 2,111,583 65,414 SH SOLE 0 0 65,414
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 4,868,141 199,841 SH SOLE 0 0 199,841
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 295,668 9,992 SH SOLE 0 0 9,992
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 465,230 610 SH SOLE 0 0 610
STRYKER CORPORATION COM 863667101 746,858 2,712 SH SOLE 0 0 2,712
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 298,804 655 SH SOLE 0 0 655
TARGET CORP COM 87612E106 222,229 1,418 SH SOLE 0 0 1,418
TESLA INC COM 88160R101 740,843 2,088 SH SOLE 0 0 2,088
TEVA PHARMACEUTICAL INDS LTD SHS M8769Q102 219,780 5,550 SH SOLE 0 0 5,550
T-MOBILE US INC COM 872590104 1,178,742 7,228 SH SOLE 0 0 7,228
VANECK ETF TRUST GOLD MINERS ETF 92189F106 288,862 3,290 SH SOLE 0 0 3,290
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 532,796 12,109 SH SOLE 0 0 12,109
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 17,959,384 256,014 SH SOLE 0 0 256,014
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 23,225,190 495,523 SH SOLE 0 0 495,523
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 552,624 2,392 SH SOLE 0 0 2,392
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 719,425 9,174 SH SOLE 0 0 9,174
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 3,399,126 11,948 SH SOLE 0 0 11,948
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 283,545 1,224 SH SOLE 0 0 1,224
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,509,899 2,154 SH SOLE 0 0 2,154
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 12,482,057 138,520 SH SOLE 0 0 138,520
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 15,117,452 40,395 SH SOLE 0 0 40,395
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 27,895,675 129,098 SH SOLE 0 0 129,098
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 971,400 2,875 SH SOLE 0 0 2,875
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 742,404 2,110 SH SOLE 0 0 2,110
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,754,188 80,158 SH SOLE 0 0 80,158
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 323,079 3,722 SH SOLE 0 0 3,722
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 539,847 3,420 SH SOLE 0 0 3,420
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,427,804 29,008 SH SOLE 0 0 29,008
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 502,500 8,868 SH SOLE 0 0 8,868
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,545,382 19,734 SH SOLE 0 0 19,734
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,104,925 36,569 SH SOLE 0 0 36,569
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 7,967,772 158,910 SH SOLE 0 0 158,910
VANGUARD STAR FDS VG TL INTL STK F 921909768 749,858 8,826 SH SOLE 0 0 8,826
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,368,706 373,441 SH SOLE 0 0 373,441
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,404,832 22,253 SH SOLE 0 0 22,253
VANGUARD WORLD FD INF TECH ETF 92204A702 2,847,084 22,655 SH SOLE 0 0 22,655
VISA INC COM CL A 92826C839 269,857 751 SH SOLE 0 0 751
WALMART INC COM 931142103 411,662 3,961 SH SOLE 0 0 3,961
WORLD GOLD TR SPDR GLD MINIS 98149E303 357,730 4,353 SH SOLE 0 0 4,353
WORTHINGTON ENTERPRISES INC COM 981811102 237,803 3,994 SH SOLE 0 0 3,994