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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,400,583 281,964 SH   SOLE   0 0 281,964
SCHWAB STRATEGIC TR US TIPS ETF 808524870   223,275 8,644 SH   SOLE   0 0 8,644
AMAZON COM INC COM 023135106   1,912,423 8,717 SH   SOLE   0 0 8,717
EATON VANCE ENHANCED EQUITY COM 278274105   2,021,523 97,329 SH   SOLE   0 0 97,329
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   1,224,930 19,305 SH   SOLE   0 0 19,305
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   372,571 6,874 SH   SOLE   0 0 6,874
ISHARES TR CORE S&P SCP ETF 464287804   2,947,675 25,583 SH   SOLE   0 0 25,583
ISHARES TR GL CLEAN ENE ETF 464288224   272,323 23,930 SH   SOLE   0 0 23,930
ISHARES GOLD TR ISHARES NEW 464285204   1,387,518 28,025 SH   SOLE   0 0 28,025
ISHARES TR U.S. MED DVC ETF 464288810   1,441,325 24,701 SH   SOLE   0 0 24,701
MICROSOFT CORP COM 594918104   3,417,814 8,109 SH   SOLE   0 0 8,109
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,719,678 64,577 SH   SOLE   0 0 64,577
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,930,944 482,754 SH   SOLE   0 0 482,754
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,200,530 493,415 SH   SOLE   0 0 493,415
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   3,563,298 90,005 SH   SOLE   0 0 90,005
VANECK ETF TRUST MORNINGSTAR SMID 92189H730   1,641,634 47,625 SH   SOLE   0 0 47,625
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   8,280,311 89,300 SH   SOLE   0 0 89,300
ISHARES TR IBONDS DEC 25 46435U432   427,597 16,066 SH   SOLE   0 0 16,066
ISHARES TR MSCI EAFE ETF 464287465   218,286 2,887 SH   SOLE   0 0 2,887
ISHARES TR MSCI EAFE MIN VL 46429B689   1,900,609 26,879 SH   SOLE   0 0 26,879
ISHARES TR NATIONAL MUN ETF 464288414   2,142,081 20,104 SH   SOLE   0 0 20,104
ISHARES TR S&P 500 GRWT ETF 464287309   309,057 3,044 SH   SOLE   0 0 3,044
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,610,381 4,454 SH   SOLE   0 0 4,454
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,925,040 102,991 SH   SOLE   0 0 102,991
VANGUARD INDEX FDS SMALL CP ETF 922908751   295,544 1,230 SH   SOLE   0 0 1,230
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,738,802 54,634 SH   SOLE   0 0 54,634
ISHARES TR CORE US AGGBD ET 464287226   5,472,532 56,476 SH   SOLE   0 0 56,476
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,234,676 47,745 SH   SOLE   0 0 47,745
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,760,730 8,991 SH   SOLE   0 0 8,991
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101   1,987,578 142,071 SH   SOLE   0 0 142,071
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,245,884 118,810 SH   SOLE   0 0 118,810
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   670,903 24,212 SH   SOLE   0 0 24,212
ALPHABET INC CAP STK CL A 02079K305   588,723 3,110 SH   SOLE   0 0 3,110
APPLE INC COM 037833100   5,815,554 23,223 SH   SOLE   0 0 23,223
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,128,214 2,489 SH   SOLE   0 0 2,489
SPDR GOLD TR GOLD SHS 78463V107   377,239 1,558 SH   SOLE   0 0 1,558
ISHARES TR CORE MSCI TOTAL 46432F834   378,689 5,726 SH   SOLE   0 0 5,726
ISHARES TR CORE S&P500 ETF 464287200   659,757 1,121 SH   SOLE   0 0 1,121
ISHARES INC MSCI EMERG MRKT 464286533   937,292 16,163 SH   SOLE   0 0 16,163
ISHARES TR MSCI USA MIN VOL 46429B697   2,070,395 23,318 SH   SOLE   0 0 23,318
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,827,726 30,460 SH   SOLE   0 0 30,460
COSTCO WHSL CORP NEW COM 22160K105   1,078,450 1,177 SH   SOLE   0 0 1,177
IRON MTN INC DEL COM 46284V101   205,385 1,954 SH   SOLE   0 0 1,954
LOCKHEED MARTIN CORP COM 539830109   233,633 481 SH   SOLE   0 0 481
NVIDIA CORPORATION COM 67066G104   845,449 6,296 SH   SOLE   0 0 6,296
REALTY INCOME CORP COM 756109104   284,722 5,331 SH   SOLE   0 0 5,331
ORACLE CORP COM 68389X105   230,963 1,386 SH   SOLE   0 0 1,386
HOME DEPOT INC COM 437076102   504,094 1,296 SH   SOLE   0 0 1,296
VERIZON COMMUNICATIONS INC COM 92343V104   255,481 6,389 SH   SOLE   0 0 6,389
ISHARES TR PFD AND INCM SEC 464288687   246,018 7,825 SH   SOLE   0 0 7,825
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   383,090 13,746 SH   SOLE   0 0 13,746
VANGUARD INDEX FDS SM CP VAL ETF 922908611   262,192 1,323 SH   SOLE   0 0 1,323
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,279,670 18,281 SH   SOLE   0 0 18,281
NEOS ETF TRUST NASDAQ 100 HDGD 78433H667   722,331 27,718 SH   SOLE   0 0 27,718
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   922,417 10,355 SH   SOLE   0 0 10,355
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,550,739 21,565 SH   SOLE   0 0 21,565
ISHARES TR EXPND TEC SC ETF 464287549   352,527 3,453 SH   SOLE   0 0 3,453
ALPHABET INC CAP STK CL C 02079K107   548,467 2,880 SH   SOLE   0 0 2,880
AT&T INC COM 00206R102   225,548 9,905 SH   SOLE   0 0 9,905
PIMCO CORPORATE & INCOME OPP COM 72201B101   285,575 19,873 SH   SOLE   0 0 19,873
BLACKROCK ENHANCD CAP & INM COM 09256A109   623,321 31,011 SH   SOLE   0 0 31,011
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   350,382 7,956 SH   SOLE   0 0 7,956
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   241,672 10,045 SH   SOLE   0 0 10,045
ABBVIE INC COM 00287Y109   378,679 2,131 SH   SOLE   0 0 2,131
JPMORGAN CHASE & CO. COM 46625H100   1,060,695 4,425 SH   SOLE   0 0 4,425
WALMART INC COM 931142103   589,868 6,529 SH   SOLE   0 0 6,529
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   412,609 17,800 SH   SOLE   0 0 17,800
PIMCO DYNAMIC INCOME FD SHS 72201Y101   210,433 11,474 SH   SOLE   0 0 11,474
MCDONALDS CORP COM 580135101   347,129 1,197 SH   SOLE   0 0 1,197
ISHARES TR IBONDS DEC 26 46435U259   308,066 12,100 SH   SOLE   0 0 12,100
INVESCO QQQ TR UNIT SER 1 46090E103   412,051 806 SH   SOLE   0 0 806
VANGUARD STAR FDS VG TL INTL STK F 921909768   218,395 3,706 SH   SOLE   0 0 3,706
ISHARES TR 1 3 YR TREAS BD 464287457   295,702 3,607 SH   SOLE   0 0 3,607
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   209,390 4,898 SH   SOLE   0 0 4,898
STMICROELECTRONICS N V NY REGISTRY 861012102   239,787 9,603 SH   SOLE   0 0 9,603
JOHNSON & JOHNSON COM 478160104   235,472 1,628 SH   SOLE   0 0 1,628
PROCTER AND GAMBLE CO COM 742718109   207,597 1,238 SH   SOLE   0 0 1,238
ISHARES TR IBONDS DEC 27 46435U283   303,038 12,054 SH   SOLE   0 0 12,054
ISHARES TR IBONDS DEC 28 46435U325   230,221 9,143 SH   SOLE   0 0 9,143
ELI LILLY & CO COM 532457108   463,200 600 SH   SOLE   0 0 600
ISHARES TR RUS 1000 GRW ETF 464287614   244,964 610 SH   SOLE   0 0 610
BROADCOM INC COM 11135F101   215,611 930 SH   SOLE   0 0 930
META PLATFORMS INC CL A 30303M102   460,796 787 SH   SOLE   0 0 787
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605   398,757 4,006 SH   SOLE   0 0 4,006
ISHARES TR RUS MID CAP ETF 464287499   266,968 3,020 SH   SOLE   0 0 3,020
ISHARES TR US INDUSTRIALS 464287754   467,053 3,498 SH   SOLE   0 0 3,498
ISHARES TR U.S. UTILITS ETF 464287697   215,991 2,245 SH   SOLE   0 0 2,245
ISHARES TR US HLTHCARE ETF 464287762   313,201 5,375 SH   SOLE   0 0 5,375