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
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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
ISHARES TR RUS 1000 GRW ETF 464287614 15,378,619 122,774 SH SOLE 0 0 122,774
ISHARES TR RUS MID CAP ETF 464287499 13,420,716 125,768 SH SOLE 0 0 125,768
ISHARES TR RUS 1000 VAL ETF 464287598 13,028,966 52,551 SH SOLE 0 0 52,551
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,613,766 129,575 SH SOLE 0 0 129,575
SPDR GOLD TR GOLD SHS 78463V107 11,233,390 29,496 SH SOLE 0 0 29,496
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 9,846,218 34,610 SH SOLE 0 0 34,610
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 8,887,752 98,632 SH SOLE 0 0 98,632
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 7,948,328 36,784 SH SOLE 0 0 36,784
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,871,389 103,029 SH SOLE 0 0 103,029
APPLE INC COM 037833100 7,289,594 21,889 SH SOLE 0 0 21,889
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 6,487,249 82,724 SH SOLE 0 0 82,724
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,935,911 100,083 SH SOLE 0 0 100,083
ISHARES TR MSCI EAFE ETF 464287465 5,872,319 56,524 SH SOLE 0 0 56,524
ISHARES TR RUSSELL 2000 ETF 464287655 5,052,607 18,182 SH SOLE 0 0 18,182
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,818,138 68,236 SH SOLE 0 0 68,236
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,810,842 25,814 SH SOLE 0 0 25,814
ISHARES TR U.S. REAL ES ETF 464287739 1,697,245 17,858 SH SOLE 0 0 17,858
JPMORGAN CHASE & CO COM 46625H100 1,357,705 4,104 SH SOLE 0 0 4,104
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,186,753 1,693 SH SOLE 0 0 1,693
ELBIT SYS LTD ORD M3760D101 1,159,417 1,700 SH SOLE 0 0 1,700
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,158,418 1,519 SH SOLE 0 0 1,519
BROADCOM INC COM 11135F101 1,135,673 3,234 SH SOLE 0 0 3,234
APPLIED MATLS INC COM 038222105 1,090,347 2,132 SH SOLE 0 0 2,132
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 1,024,663 53,091 SH SOLE 0 0 53,091
MORGAN STANLEY COM NEW 617446448 986,354 5,244 SH SOLE 0 0 5,244
ALPHABET INC CAP STK CL C 02079K107 883,846 2,594 SH SOLE 0 0 2,594
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 847,561 3,633 SH SOLE 0 0 3,633
MICROSOFT CORP COM 594918104 803,640 1,567 SH SOLE 0 0 1,567
QUALCOMM INC COM 747525103 762,318 4,142 SH SOLE 0 0 4,142
TESLA INC COM 88160R101 699,022 1,970 SH SOLE 0 0 1,970
COSTCO WHOLESALE CORPORATION COM 22160K105 601,404 661 SH SOLE 0 0 661
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 596,227 1,593 SH SOLE 0 0 1,593
AMAZON COM INC COM 023135106 581,267 2,333 SH SOLE 0 0 2,333
CATERPILLAR INC COM 149123101 477,884 589 SH SOLE 0 0 589
VANGUARD STAR FDS VG TL INTL STK F 921909768 467,535 5,503 SH SOLE 0 0 5,503
META PLATFORMS INC CL A 30303M102 461,214 636 SH SOLE 0 0 636
NVIDIA CORPORATION COM 67066G104 435,468 1,907 SH SOLE 0 0 1,907
ALPHABET INC CAP STK CL A 02079K305 417,313 1,213 SH SOLE 0 0 1,213
ISHARES TR CRE U S REIT ETF 464288521 374,793 6,086 SH SOLE 0 0 6,086
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 361,952 3,671 SH SOLE 0 0 3,671
ISHARES TR CORE S&P SCP ETF 464287804 361,314 2,656 SH SOLE 0 0 2,656
ISHARES TR MSCI EMG MKT ETF 464287234 318,044 4,762 SH SOLE 0 0 4,762
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 306,095 6,562 SH SOLE 0 0 6,562
BANK OF MONTREAL COM 063671101 290,681 1,738 SH SOLE 0 0 1,738
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 281,659 1,354 SH SOLE 0 0 1,354
ISHARES TR CORE S&P MCP ETF 464287507 277,987 3,864 SH SOLE 0 0 3,864
DISNEY WALT CO COM 254687106 255,725 2,438 SH SOLE 0 0 2,438
ISHARES TR CORE S&P500 ETF 464287200 230,985 302 SH SOLE 0 0 302
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 212,715 1,747 SH SOLE 0 0 1,747
WISDOMTREE TR US LARGECAP DIVD 97717W307 212,034 2,181 SH SOLE 0 0 2,181
NETFLIX INC. COM 64110L106 204,148 2,934 SH SOLE 0 0 2,934