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
APPLE INC COM 037833100 403,880 1,213 SH SOLE 692 0 521
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 10,463,385 151,074 SH SOLE 89,028 0 62,046
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 7,365,617 145,021 SH SOLE 87,707 0 57,314
BROOKFIELD CORP CL A LTD VT SH 11271J107 415,644 11,400 SH SOLE 0 0 11,400
CHEVRON CORPORATION COM 166764100 1,646,954 8,065 SH SOLE 0 0 8,065
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,015,886 6,242 SH SOLE 0 0 6,242
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 935,748 12,882 SH SOLE 7,126 0 5,756
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 12,286,428 351,543 SH SOLE 210,881 0 140,662
INTERNATIONAL BUSINESS MACHS COM 459200101 348,809 1,586 SH SOLE 0 0 1,586
ISHARES GOLD TR ISHARES NEW 464285204 7,836,398 100,338 SH SOLE 60,894 0 39,444
ISHARES TR CORE S&P MCP ETF 464287507 11,595,730 161,164 SH SOLE 96,515 0 64,649
ISHARES TR CORE S&P SCP ETF 464287804 10,020,701 73,660 SH SOLE 44,013 0 29,647
ISHARES TR ULTRA SHORT DUR 46434V878 6,926,070 137,422 SH SOLE 83,329 0 54,093
ISHARES TR 0-3 MTH TREASURY 46436E718 3,324,051 33,016 SH SOLE 5,950 0 27,066
ISHARES TR CORE S&P500 ETF 464287200 348,840 455 SH SOLE 0 0 455
KKR & CO INC COM 48251W104 274,813 3,010 SH SOLE 0 0 3,010
NVIDIA CORPORATION COM 67066G104 238,531 1,044 SH SOLE 469 0 575
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 209,160 6,972 SH SOLE 0 0 6,972
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 12,112,167 497,215 SH SOLE 297,092 0 200,123
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 26,265,652 291,484 SH SOLE 178,707 0 112,777
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 25,850,641 119,635 SH SOLE 72,814 0 46,821
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,181,459 289,689 SH SOLE 173,812 0 115,877
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 2,299,755 30,919 SH SOLE 21,539 0 9,380
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,095,794 107,597 SH SOLE 64,883 0 42,714
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 19,073,285 270,122 SH SOLE 162,471 0 107,651