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
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
ABBOTT LABS COM 002824100 445 4,602 SH   SOLE 0 0 0 4,602
ALPHABET INC CAP STK CL A 02079K305 842 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102 186 15,430 SH   SOLE 0 0 0 15,430
APPLE INC COM 037833100 886 6,411 SH   SOLE 0 0 0 6,411
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 716 2,682 SH   SOLE 0 0 0 2,682
BK OF AMERICA CORP COM 060505104 221 7,333 SH   SOLE 0 0 0 7,333
BLACKROCK MUN INCOME TR SH BEN INT 09248F109 1,496 156,987 SH   SOLE 0 0 0 156,987
BLACKROCK MUNI INCOME TR II COM 09249N101 1,214 121,432 SH   SOLE 0 0 0 121,432
BLACKROCK MUNIASSETS FD INC COM 09254J102 318 30,938 SH   SOLE 0 0 0 30,938
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 224 19,953 SH   SOLE 0 0 0 19,953
BLACKROCK MUNIVEST FD II INC COM 09253T101 787 77,994 SH   SOLE 0 0 0 77,994
BLACKROCK MUNIYIELD FD INC COM 09253W104 503 50,639 SH   SOLE 0 0 0 50,639
BNY MELLON MUN INCOME INC COM 05589T104 244 40,541 SH   SOLE 0 0 0 40,541
BNY MELLON STRATEGIC MUN BD COM 09662E109 395 69,768 SH   SOLE 0 0 0 69,768
CHEVRON CORP NEW COM 166764100 1,109 7,717 SH   SOLE 0 0 0 7,717
CONOCOPHILLIPS COM 20825C104 558 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102 323 1,249 SH   SOLE 0 0 0 1,249
DARDEN RESTAURANTS INC COM 237194105 371 2,937 SH   SOLE 0 0 0 2,937
DISNEY WALT CO COM 254687106 352 3,732 SH   SOLE 0 0 0 3,732
DWS STRATEGIC MUN INCOME TR COM 23342Q101 713 90,092 SH   SOLE 0 0 0 90,092
EOG RES INC COM 26875P101 1,027 9,190 SH   SOLE 0 0 0 9,190
EXXON MOBIL CORP COM 30231G102 1,203 13,780 SH   SOLE 0 0 0 13,780
FEDERATED HERMES PREM MUNI I COM 31423P108 1,329 128,500 SH   SOLE 0 0 0 128,500
GOLDMAN SACHS GROUP INC COM 38141G104 323 1,102 SH   SOLE 0 0 0 1,102
INVESCO CALIF VALUE MUN INCO COM 46132H106 277 30,866 SH   SOLE 0 0 0 30,866
INVESCO MUNICIPAL TRUST COM 46131J103 143 15,689 SH   SOLE 0 0 0 15,689
INVESCO QUALITY MUN INCOME T COM 46133G107 131 14,326 SH   SOLE 0 0 0 14,326
ISHARES GOLD TR ISHARES NEW 464285204 4,111 130,386 SH   SOLE 0 0 0 130,386
ISHARES INC MSCI GBL MIN VOL 464286525 17,738 200,293 SH   SOLE 0 0 0 200,293
ISHARES INC MSCI GBL ETF NEW 46434G848 4,270 125,482 SH   SOLE 0 0 0 125,482
ISHARES INC CORE MSCI EMKT 46434G103 11,260 261,993 SH   SOLE 0 0 0 261,993
ISHARES TR CORE MSCI EAFE 46432F842 1,836 34,862 SH   SOLE 0 0 0 34,862
ISHARES TR MSCI EAFE MIN VL 46429B689 245 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR MSCI USA QLT FCT 46432F339 896 8,623 SH   SOLE 0 0 0 8,623
ISHARES TR 0-5YR HI YL CP 46434V407 312 7,816 SH   SOLE 0 0 0 7,816
ISHARES TR MSCI INTL MOMENT 46434V449 1,166 43,425 SH   SOLE 0 0 0 43,425
ISHARES TR MSCI INTL QUALTY 46434V456 6,179 222,419 SH   SOLE 0 0 0 222,419
ISHARES TR CORE INTL AGGR 46435G672 4,934 102,103 SH   SOLE 0 0 0 102,103
ISHARES TR INTL DIV GRWTH 46435G524 1,443 28,500 SH   SOLE 0 0 0 28,500
ISHARES TR CORE US AGGBD ET 464287226 2,060 21,384 SH   SOLE 0 0 0 21,384
ISHARES TR CORE S&P TTL STK 464287150 3,407 42,833 SH   SOLE 0 0 0 42,833
ISHARES TR ISHS 5-10YR INVT 464288638 3,597 74,496 SH   SOLE 0 0 0 74,496
ISHARES TR NEW YORK MUN ETF 464288323 248 4,909 SH   SOLE 0 0 0 4,909
ISHARES TR IBOXX INV CP ETF 464287242 304 2,966 SH   SOLE 0 0 0 2,966
ISHARES TR S&P SML 600 GWT 464287887 234 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200 2,138 5,960 SH   SOLE 0 0 0 5,960
ISHARES TR RUS 1000 GRW ETF 464287614 578 2,749 SH   SOLE 0 0 0 2,749
ISHARES TR CORE S&P US GWT 464287671 1,182 14,738 SH   SOLE 0 0 0 14,738
JOHNSON & JOHNSON COM 478160104 310 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100 312 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101 566 2,454 SH   SOLE 0 0 0 2,454
MFS HIGH INCOME MUN TR SH BEN INT 59318D104 237 70,460 SH   SOLE 0 0 0 70,460
MFS HIGH YIELD MUN TR SH BEN INT 59318E102 551 183,041 SH   SOLE 0 0 0 183,041
MFS INVT GRADE MUN TR SH BEN INT 59318B108 659 97,871 SH   SOLE 0 0 0 97,871
MICROSOFT CORP COM 594918104 892 3,828 SH   SOLE 0 0 0 3,828
NEUBERGER BERMAN MUN FD INC COM 64124P101 1,198 118,342 SH   SOLE 0 0 0 118,342
PEPSICO INC COM 713448108 415 2,540 SH   SOLE 0 0 0 2,540
PIMCO NEW YORK MUN INCOME FD COM 72201E105 69 10,125 SH   SOLE 0 0 0 10,125
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108 801 97,548 SH   SOLE 0 0 0 97,548
PIONEER MUNICIPAL HIGH INCOM COM 723762100 751 99,405 SH   SOLE 0 0 0 99,405
PIONEER NAT RES CO COM 723787107 386 1,784 SH   SOLE 0 0 0 1,784
PROSHARES TR BITCOIN STRATE 74347G440 423 35,297 SH   SOLE 0 0 0 35,297
QUALCOMM INC COM 747525103 298 2,636 SH   SOLE 0 0 0 2,636
SABINE RTY TR UNIT BEN INT 785688102 248 3,490 SH   SOLE 0 0 0 3,490
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,258 53,690 SH   SOLE 0 0 0 53,690
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,316 290,876 SH   SOLE 0 0 0 290,876
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 273 5,720 SH   SOLE 0 0 0 5,720
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,612 118,472 SH   SOLE 0 0 0 118,472
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,982 256,053 SH   SOLE 0 0 0 256,053
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 571 4,807 SH   SOLE 0 0 0 4,807
SOUTHWEST AIRLS CO COM 844741108 213 6,903 SH   SOLE 0 0 0 6,903
SPDR SER TR PRTFLO S&P500 VL 78464A508 23,404 678,573 SH   SOLE 0 0 0 678,573
SPDR SER TR S&P 600 SMCP VAL 78464A300 884 13,168 SH   SOLE 0 0 0 13,168
SPDR SER TR S&P 600 SMCP GRW 78464A201 370 5,425 SH   SOLE 0 0 0 5,425
SPDR SER TR PRTFLO S&P500 GW 78464A409 16,968 338,673 SH   SOLE 0 0 0 338,673
SPDR SER TR NUVEEN BLMBRG SH 78468R739 13,578 294,607 SH   SOLE 0 0 0 294,607
TEXAS INSTRS INC COM 882508104 248 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104 419 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108 507 2,601 SH   SOLE 0 0 0 2,601
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 9,547 219,288 SH   SOLE 0 0 0 219,288
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 1,395 7,969 SH   SOLE 0 0 0 7,969
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,825 12,780 SH   SOLE 0 0 0 12,780
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,504 100,297 SH   SOLE 0 0 0 100,297
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,022 14,200 SH   SOLE 0 0 0 14,200
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,665 18,782 SH   SOLE 0 0 0 18,782
VANGUARD INDEX FDS VALUE ETF 922908744 7,998 64,769 SH   SOLE 0 0 0 64,769
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,762 33,211 SH   SOLE 0 0 0 33,211
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,315 16,673 SH   SOLE 0 0 0 16,673
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,993 191,646 SH   SOLE 0 0 0 191,646
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 80,001 1,661,840 SH   SOLE 0 0 0 1,661,840
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 9,282 159,181 SH   SOLE 0 0 0 159,181
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,351 23,495 SH   SOLE 0 0 0 23,495
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 20,790 399,508 SH   SOLE 0 0 0 399,508
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 12,209 196,951 SH   SOLE 0 0 0 196,951
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 668 7,039 SH   SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839 589 3,318 SH   SOLE 0 0 0 3,318
WESTERN ASSET MANAGED MUNS F COM 95766M105 495 51,055 SH   SOLE 0 0 0 51,055
WESTERN ASSET MUN PARTNERS F COM 95766P108 135 12,017 SH   SOLE 0 0 0 12,017