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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN ETFS BBRG ALL COMD K1 003261104   1,852,847 90,119 SH   SOLE   0 0 90,119
CHEVRON CORP NEW COM 166764100   418,468 2,694 SH   SOLE   0 0 2,694
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   245,912 8,515 SH   SOLE   0 0 8,515
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   1,364,975 21,557 SH   SOLE   0 0 21,557
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   417,512 6,471 SH   SOLE   0 0 6,471
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   389,909 11,027 SH   SOLE   0 0 11,027
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   1,248,854 37,135 SH   SOLE   0 0 37,135
GLOBAL X FDS 1-3 MONTH T-BILL 37960A438   652,681 6,513 SH   SOLE   0 0 6,513
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   469,939 22,272 SH   SOLE   0 0 22,272
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,261,991 7,225 SH   SOLE   0 0 7,225
ISHARES INC MSCI GBL MIN VOL 464286525   2,003,357 18,603 SH   SOLE   0 0 18,603
ISHARES INC CORE MSCI EMKT 46434G103   1,058,128 20,817 SH   SOLE   0 0 20,817
ISHARES TR SHRT NAT MUN ETF 464288158   4,075,806 38,699 SH   SOLE   0 0 38,699
ISHARES TR NATIONAL MUN ETF 464288414   5,950,694 56,421 SH   SOLE   0 0 56,421
ISHARES TR MBS ETF 464288588   785,044 8,687 SH   SOLE   0 0 8,687
ISHARES TR USD INV GRDE ETF 464288620   1,809,001 36,420 SH   SOLE   0 0 36,420
ISHARES TR ISHS 1-5YR INVS 464288646   293,922 5,705 SH   SOLE   0 0 5,705
ISHARES TR MSCI EAFE MIN VL 46429B689   304,694 4,364 SH   SOLE   0 0 4,364
ISHARES TR MSCI USA MIN VOL 46429B697   1,018,364 11,550 SH   SOLE   0 0 11,550
ISHARES TR CORE MSCI EAFE 46432F842   889,800 12,790 SH   SOLE   0 0 12,790
ISHARES TR CORE MSCI INTL 46435G326   815,746 12,792 SH   SOLE   0 0 12,792
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   245,392 4,866 SH   SOLE   0 0 4,866
MCDONALDS CORP COM 580135101   1,068,434 3,767 SH   SOLE   0 0 3,767
NORTHROP GRUMMAN CORP COM 666807102   449,233 951 SH   SOLE   0 0 951
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,967,698 345,670 SH   SOLE   0 0 345,670
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,180,436 42,723 SH   SOLE   0 0 42,723
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,135,806 43,769 SH   SOLE   0 0 43,769
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   815,132 29,258 SH   SOLE   0 0 29,258
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,455,706 135,253 SH   SOLE   0 0 135,253
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   933,653 41,570 SH   SOLE   0 0 41,570
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,175,237 48,765 SH   SOLE   0 0 48,765
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,452,428 95,351 SH   SOLE   0 0 95,351
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   421,417 12,553 SH   SOLE   0 0 12,553
SEI EXCHANGE TRADED FUNDS ENHANCED US LRG 81589A106   1,493,892 43,541 SH   SOLE   0 0 43,541
SEI EXCHANGE TRADED FUNDS ENHANCED US LRG 81589A205   3,015,514 77,880 SH   SOLE   0 0 77,880
SEI EXCHANGE TRADED FUNDS ENHANCED US LRG 81589A304   2,954,431 89,150 SH   SOLE   0 0 89,150
SEI EXCHANGE TRADED FUNDS ENHANCED LOW VOL 81589A403   656,993 22,844 SH   SOLE   0 0 22,844
SIMPLIFY EXCHANGE TRADED FUN MBS ETF 82889N525   1,190,855 24,229 SH   SOLE   0 0 24,229
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103   529,601 13,397 SH   SOLE   0 0 13,397
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   277,805 2,508 SH   SOLE   0 0 2,508
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   318,130 8,582 SH   SOLE   0 0 8,582
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   208,624 6,165 SH   SOLE   0 0 6,165
SPDR SER TR NUVEEN BLOOMBERG 78464A284   842,724 33,362 SH   SOLE   0 0 33,362
SPDR SER TR BLOOMBERG EMERGI 78464A391   226,728 11,645 SH   SOLE   0 0 11,645
SPDR SER TR PORTFLI HIGH YLD 78468R606   2,563,593 109,415 SH   SOLE   0 0 109,415
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,326,084 57,706 SH   SOLE   0 0 57,706
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   923,530 17,978 SH   SOLE   0 0 17,978
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,219,257 28,844 SH   SOLE   0 0 28,844
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,835,555 39,842 SH   SOLE   0 0 39,842
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,555,686 73,298 SH   SOLE   0 0 73,298
VANGUARD INDEX FDS SML CP GRW ETF 922908595   519,483 1,851 SH   SOLE   0 0 1,851
VANGUARD INDEX FDS SM CP VAL ETF 922908611   539,506 2,740 SH   SOLE   0 0 2,740
VANGUARD INDEX FDS GROWTH ETF 922908736   2,390,946 5,896 SH   SOLE   0 0 5,896
VANGUARD INDEX FDS VALUE ETF 922908744   2,132,932 12,603 SH   SOLE   0 0 12,603
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,513,475 82,670 SH   SOLE   0 0 82,670
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,926,738 60,370 SH   SOLE   0 0 60,370
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,586,179 72,302 SH   SOLE   0 0 72,302
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,377,426 197,836 SH   SOLE   0 0 197,836
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,525,729 24,268 SH   SOLE   0 0 24,268
WISDOMTREE TR JAPN HEDGE EQT 97717W851   304,067 2,823 SH   SOLE   0 0 2,823