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
FIDELITY MERRIMACK STR TR COM 316188309 49,415,544 1,141,237 SH SOLE 0 0 1,141,237
APPLE INC COM 037833100 33,079,158 99,331 SH SOLE 0 0 99,331
VANGUARD STAR FDS COM 921909768 24,903,155 293,116 SH SOLE 0 0 293,116
SPDR SERIES TRUST COM 78464A409 22,341,178 181,518 SH SOLE 0 0 181,518
ISHARES TR COM 464287804 22,218,404 163,323 SH SOLE 0 0 163,323
SPDR SERIES TRUST COM 78464A508 21,877,835 357,890 SH SOLE 0 0 357,890
SCHWAB STRATEGIC TR COM 808524870 18,781,539 747,375 SH SOLE 0 0 747,375
FLEXSHARES TR COM 33939L407 18,536,451 351,469 SH SOLE 0 0 351,469
FIRST TR EXCHNG TRADED FD VI COM 33740F888 15,300,847 644,382 SH SOLE 0 0 644,382
VANGUARD INDEX FDS COM 922908553 14,061,239 156,881 SH SOLE 0 0 156,881
ISHARES TR COM 464288356 12,125,748 224,053 SH SOLE 0 0 224,053
J P MORGAN EXCHANGE TRADED F COM 46641Q761 9,637,119 130,584 SH SOLE 0 0 130,584
AMGEN INC COM 031162100 9,574,551 22,715 SH SOLE 0 0 22,715
AMERICAN CENTY ETF TR COM 025072877 9,232,403 78,394 SH SOLE 0 0 78,394
NVIDIA CORPORATION COM 67066G104 9,132,498 39,988 SH SOLE 0 0 39,988
ISHARES TR COM 46434V621 8,995,926 119,325 SH SOLE 0 0 119,325
INVESCO EXCHANGE TRADED FD T COM 46137V357 8,805,322 42,329 SH SOLE 0 0 42,329
META PLATFORMS INC COM 30303M102 5,668,253 7,816 SH SOLE 0 0 7,816
ALPHABET INC COM 02079K305 4,873,756 14,165 SH SOLE 0 0 14,165
MICROSOFT CORP COM 594918104 3,909,611 7,623 SH SOLE 0 0 7,623
VISA INC COM 92826C839 3,816,159 10,620 SH SOLE 0 0 10,620
FIRST TR EXCHNG TRADED FD VI COM 33740F755 3,515,323 93,817 SH SOLE 0 0 93,817
AMAZON COM INC COM 023135106 3,427,102 13,755 SH SOLE 0 0 13,755
BROADCOM INC COM 11135F101 3,143,973 8,952 SH SOLE 0 0 8,952
PALO ALTO NETWORKS INC COM 697435105 2,975,062 7,488 SH SOLE 0 0 7,488
JPMORGAN CHASE & CO COM 46625H100 2,878,748 8,702 SH SOLE 0 0 8,702
MCKESSON CORP COM 58155Q103 2,521,591 2,953 SH SOLE 0 0 2,953
JOHNSON CONTROLS INTERNATION COM G51502105 2,271,768 15,283 SH SOLE 0 0 15,283
ALPHABET INC COM 02079K107 2,257,347 6,625 SH SOLE 0 0 6,625
VANGUARD INTL EQUITY INDEX F COM 922042858 2,245,708 37,864 SH SOLE 0 0 37,864
MERCK & CO INC COM 58933Y105 2,236,538 15,391 SH SOLE 0 0 15,391
ELI LILLY & CO COM 532457108 2,082,995 1,800 SH SOLE 0 0 1,800
PHILLIPS 66 COM 718546104 2,014,992 7,892 SH SOLE 0 0 7,892
BLACKROCK INC COM 09290D101 2,001,601 1,891 SH SOLE 0 0 1,891
SALESFORCE INC COM 79466L302 1,955,621 8,519 SH SOLE 0 0 8,519
VANGUARD CALIF TAX FREE FDS COM 922021605 1,913,695 20,298 SH SOLE 0 0 20,298
GOLDMAN SACHS GROUP INC COM 38141G104 1,904,102 2,115 SH SOLE 0 0 2,115
COSTCO WHOLESALE CORPORATION COM 22160K105 1,902,766 2,090 SH SOLE 0 0 2,090
COCA COLA CO COM 191216100 1,866,554 21,684 SH SOLE 0 0 21,684
PROCTER & GAMBLE CO COM 742718109 1,843,195 12,687 SH SOLE 0 0 12,687
VANGUARD MUN BD FDS COM 922907746 1,819,855 38,426 SH SOLE 0 0 38,426
TE CONNECTIVITY PLC COM G87052109 1,814,139 8,595 SH SOLE 0 0 8,595
VANGUARD BD INDEX FDS COM 921937827 1,772,053 23,194 SH SOLE 0 0 23,194
SERVICENOW INC COM 81762P102 1,763,921 13,163 SH SOLE 0 0 13,163
CISCO SYS INC COM 17275R102 1,763,081 16,381 SH SOLE 0 0 16,381
STATE STR SPDR S&P 500 ETF T COM 78462F103 1,722,332 2,258 SH SOLE 0 0 2,258
UBER TECHNOLOGIES INC COM 90353T100 1,719,875 25,104 SH SOLE 0 0 25,104
THERMO FISHER SCIENTIFIC INC COM 883556102 1,626,639 2,410 SH SOLE 0 0 2,410
THE CIGNA GROUP COM 125523100 1,615,830 5,944 SH SOLE 0 0 5,944
UNION PAC CORP COM 907818108 1,598,458 5,874 SH SOLE 0 0 5,874
NETFLIX INC. COM 64110L106 1,548,225 22,251 SH SOLE 0 0 22,251
BANK OF AMER CORP COM 060505104 1,503,041 27,614 SH SOLE 0 0 27,614
TJX COS INC NEW COM 872540109 1,451,621 10,971 SH SOLE 0 0 10,971
DELTA AIR LINES INC COM 247361702 1,447,163 17,340 SH SOLE 0 0 17,340
CSX CORP COM 126408103 1,352,212 29,074 SH SOLE 0 0 29,074
BXP INC COM 101121101 1,351,816 22,121 SH SOLE 0 0 22,121
STARBUCKS CORP COM 855244109 1,330,885 14,164 SH SOLE 0 0 14,164
LINDE PLC COM G54950103 1,318,752 2,778 SH SOLE 0 0 2,778
CONOCOPHILLIPS COM 20825C104 1,313,780 10,498 SH SOLE 0 0 10,498
ISHARES TR COM 46436E718 1,293,743 12,850 SH SOLE 0 0 12,850
AMERICAN ELEC PWR CO INC COM 025537101 1,258,704 10,609 SH SOLE 0 0 10,609
3M CO COM 88579Y101 1,234,630 7,521 SH SOLE 0 0 7,521
CAPITAL ONE FINL CORP COM 14040H105 1,233,395 6,388 SH SOLE 0 0 6,388
BOOKING HOLDINGS INC COM 09857L108 1,199,529 7,363 SH SOLE 0 0 7,363
METLIFE INC COM 59156R108 1,129,372 11,994 SH SOLE 0 0 11,994
TRANSDIGM GROUP INC COM 893641100 1,097,756 1,014 SH SOLE 0 0 1,014
CHARLES SCHWAB CORP (THE) COM 808513105 1,051,748 10,761 SH SOLE 0 0 10,761
FIRSTENERGY CORP COM 337932107 1,045,543 24,130 SH SOLE 0 0 24,130
KKR & CO INC COM 48251W104 1,010,600 11,069 SH SOLE 0 0 11,069
AMERICAN TOWER CORP COM 03027X100 985,914 6,023 SH SOLE 0 0 6,023
HONEYWELL INTL INC COM 438516205 959,995 4,551 SH SOLE 0 0 4,551
FEDEX CORP COM 31428X106 895,750 3,142 SH SOLE 0 0 3,142
DOMINION ENERGY INC COM 25746U109 875,301 14,463 SH SOLE 0 0 14,463
ISHARES TR COM 464287200 853,923 1,115 SH SOLE 0 0 1,115
BERKSHIRE HATHAWAY INC DEL COM 084670702 802,695 1,612 SH SOLE 0 0 1,612
ISHARES TR COM 464287655 790,894 2,846 SH SOLE 0 0 2,846
NIKE INC COM 654106103 790,269 22,324 SH SOLE 0 0 22,324
VANGUARD INDEX FDS COM 922908769 755,327 2,018 SH SOLE 0 0 2,018
UNITED PARCEL SVCS INC COM 911312106 741,446 7,935 SH SOLE 0 0 7,935
VANGUARD INDEX FDS COM 922908363 740,564 1,057 SH SOLE 0 0 1,057
AUTODESK INC COM 052769106 703,494 3,366 SH SOLE 0 0 3,366
VANGUARD INDEX FDS COM 922908736 674,518 7,485 SH SOLE 0 0 7,485
MICRON TECHNOLOGY INC COM 595112103 656,108 616 SH SOLE 0 0 616
SIMULATIONS PLUS INC COM 829214105 645,161 35,006 SH SOLE 0 0 35,006
BOSTON SCIENTIFIC CORP COM 101137107 598,791 13,718 SH SOLE 0 0 13,718
ROCKWELL AUTOMATION INC COM 773903109 538,587 1,237 SH SOLE 0 0 1,237
ABBVIE INC COM 00287Y109 531,746 2,033 SH SOLE 0 0 2,033
ISHARES TR COM 46436E569 518,987 8,902 SH SOLE 0 0 8,902
VANGUARD WHITEHALL FDS COM 921946810 503,825 5,336 SH SOLE 0 0 5,336
CALIFORNIA BANCORP COM 84252A106 463,957 21,731 SH SOLE 0 0 21,731
MASTERCARD INCORPORATED COM 57636Q104 461,635 837 SH SOLE 0 0 837
ISHARES TR COM 46432F842 438,770 4,529 SH SOLE 0 0 4,529
UNITEDHEALTH GROUP INC COM 91324P102 411,988 1,122 SH SOLE 0 0 1,122
ORACLE CORP COM 68389X105 391,920 2,854 SH SOLE 0 0 2,854
TESLA INC COM 88160R101 377,163 1,063 SH SOLE 0 0 1,063
ISHARES TR COM 464287408 364,021 1,595 SH SOLE 0 0 1,595
NEXTERA ENERGY INC COM 65339F101 362,793 4,790 SH SOLE 0 0 4,790
WALMART INC COM 931142103 352,283 3,390 SH SOLE 0 0 3,390
ISHARES TR COM 464287309 343,602 2,415 SH SOLE 0 0 2,415
RESEARCH SOLUTIONS INC COM 761025105 315,632 146,126 SH SOLE 0 0 146,126
GOLDMAN SACHS ETF TR COM 381430230 309,421 6,132 SH SOLE 0 0 6,132
CATERPILLAR INC COM 149123101 300,357 370 SH SOLE 0 0 370
MARVELL TECHNOLOGY INC COM 573874104 299,206 1,132 SH SOLE 0 0 1,132
ADVANCED ENERGY INDS COM 007973100 287,719 1,021 SH SOLE 0 0 1,021
VANGUARD INDEX FDS COM 922908744 286,306 1,325 SH SOLE 0 0 1,325
ISHARES TR COM 46434V860 281,219 5,550 SH SOLE 0 0 5,550
INTUITIVE SURGICAL INC COM 46120E602 272,035 669 SH SOLE 0 0 669
PHILIP MORRIS INTL INC COM 718172109 270,687 1,419 SH SOLE 0 0 1,419
NEUROCRINE BIOSCIENCES INC COM 64125C109 257,865 1,818 SH SOLE 0 0 1,818
FASTENAL CO COM 311900104 248,839 5,024 SH SOLE 0 0 5,024
GOLDMAN SACHS ETF TR COM 381430529 238,762 2,385 SH SOLE 0 0 2,385
ROBINHOOD MKTS INC COM 770700102 233,100 2,072 SH SOLE 0 0 2,072
ASTRAZENECA PLC COM G0593M107 231,142 1,431 SH SOLE 0 0 1,431
INTERNATIONAL BUSINESS MACHS COM 459200101 228,287 1,038 SH SOLE 0 0 1,038
INTEL CORP COM 458140100 225,900 1,879 SH SOLE 0 0 1,879
SPDR INDEX SHS FDS COM 78463X541 217,694 2,943 SH SOLE 0 0 2,943
PROSHARES TR COM 74347X831 215,519 2,762 SH SOLE 0 0 2,762
VANGUARD SCOTTSDALE FDS COM 92206C409 212,212 2,747 SH SOLE 0 0 2,747
PAYCHEX INC COM 704326107 209,908 2,131 SH SOLE 0 0 2,131
EXXONMOBIL HOLDINGS CORP COM 30233Q108 206,557 1,269 SH SOLE 0 0 1,269
ABBOTT LABORATORIES COM 002824100 204,324 2,067 SH SOLE 0 0 2,067
ALLOGENE THERAPEUTICS INC COM 019770106 79,037 49,398 SH SOLE 0 0 49,398
PROSPECT CAP CORP COM 74348T102 27,063 13,011 SH SOLE 0 0 13,011
CODEXIS INC COM 192005106 21,323 15,340 SH SOLE 0 0 15,340