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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE INC COM 00724F101   200,551 451 SH   SOLE   0 0 451
AFLAC INC COM 001055102   223,120 2,157 SH   SOLE   0 0 2,157
AIR PRODS & CHEMS INC COM 009158106   227,101 783 SH   SOLE   0 0 783
ALPHABET INC CAP STK CL A 02079K305   741,299 3,916 SH   SOLE   0 0 3,916
AMAZON COM INC COM 023135106   584,455 2,664 SH   SOLE   0 0 2,664
ANALOG DEVICES INC COM 032654105   261,326 1,230 SH   SOLE   0 0 1,230
APPLE INC COM 037833100   722,211 2,884 SH   SOLE   0 0 2,884
CAPITAL ONE FINL CORP COM 14040H105   272,116 1,526 SH   SOLE   0 0 1,526
CHEVRON CORP NEW COM 166764100   232,903 1,608 SH   SOLE   0 0 1,608
CME GROUP INC COM 12572Q105   201,808 869 SH   SOLE   0 0 869
COSTCO WHSL CORP NEW COM 22160K105   457,233 499 SH   SOLE   0 0 499
EXXON MOBIL CORP COM 30231G102   254,482 2,366 SH   SOLE   0 0 2,366
GILEAD SCIENCES INC COM 375558103   212,543 2,301 SH   SOLE   0 0 2,301
GLOBAL X FDS GLOBAL X COPPER 37954Y830   1,069,536 28,013 SH   SOLE   0 0 28,013
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   2,716,175 23,582 SH   SOLE   0 0 23,582
HONEYWELL INTL INC COM 438516106   285,525 1,264 SH   SOLE   0 0 1,264
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   846,444 34,269 SH   SOLE   0 0 34,269
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   8,342,487 124,459 SH   SOLE   0 0 124,459
ISHARES INC MSCI JPN ETF NEW 46434G822   910,279 13,566 SH   SOLE   0 0 13,566
ISHARES INC MSCI EMRG CHN 46434G764   3,315,466 59,792 SH   SOLE   0 0 59,792
ISHARES TR NATIONAL MUN ETF 464288414   290,029 2,722 SH   SOLE   0 0 2,722
ISHARES TR US AER DEF ETF 464288760   307,561 2,116 SH   SOLE   0 0 2,116
ISHARES TR SHRT NAT MUN ETF 464288158   686,042 6,504 SH   SOLE   0 0 6,504
ISHARES TR A RATE CP BD ETF 46429B291   971,454 20,762 SH   SOLE   0 0 20,762
ISHARES TR PFD AND INCM SEC 464288687   1,816,320 57,771 SH   SOLE   0 0 57,771
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,958,447 19,522 SH   SOLE   0 0 19,522
ISHARES TR JPMORGAN USD EMG 464288281   2,165,097 24,316 SH   SOLE   0 0 24,316
ISHARES TR US SML CAP EQT 46434V290   2,541,240 37,648 SH   SOLE   0 0 37,648
ISHARES TR EAFE VALUE ETF 464288877   2,801,111 53,385 SH   SOLE   0 0 53,385
ISHARES TR EXPND TEC SC ETF 464287549   6,718,747 65,812 SH   SOLE   0 0 65,812
ISHARES TR MSCI EAFE ETF 464287465   8,497,279 112,383 SH   SOLE   0 0 112,383
ISHARES TR 7-10 YR TRSY BD 464287440   9,902,967 107,117 SH   SOLE   0 0 107,117
JPMORGAN CHASE & CO COM 46625H100   346,860 1,447 SH   SOLE   0 0 1,447
LAM RESEARCH CORP COM NEW 512807306   222,107 3,075 SH   SOLE   0 0 3,075
LOCKHEED MARTIN CORP COM 539830109   254,147 523 SH   SOLE   0 0 523
META PLATFORMS INC CL A 30303M102   350,135 598 SH   SOLE   0 0 598
MICROSOFT CORP COM 594918104   612,861 1,454 SH   SOLE   0 0 1,454
NVIDIA CORPORATION COM 67066G104   361,912 2,695 SH   SOLE   0 0 2,695
SALESFORCE INC COM 79466L302   412,563 1,234 SH   SOLE   0 0 1,234
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   205,644 4,255 SH   SOLE   0 0 4,255
SELECT SECTOR SPDR TR ENERGY 81369Y506   221,688 2,588 SH   SOLE   0 0 2,588
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   357,938 4,729 SH   SOLE   0 0 4,729
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   405,400 1,807 SH   SOLE   0 0 1,807
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   598,705 4,352 SH   SOLE   0 0 4,352
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   658,792 6,805 SH   SOLE   0 0 6,805
SERVICENOW INC COM 81762P102   454,791 429 SH   SOLE   0 0 429
SPDR GOLD TR GOLD SHS 78463V107   308,231 1,273 SH   SOLE   0 0 1,273
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,757,114 84,161 SH   SOLE   0 0 84,161
SPDR SER TR PRTFLO S&P500 GW 78464A409   4,764,356 54,202 SH   SOLE   0 0 54,202
SPDR SER TR PORTFOLIO SHORT 78464A474   4,787,782 160,341 SH   SOLE   0 0 160,341
THERMO FISHER SCIENTIFIC INC COM 883556102   320,462 616 SH   SOLE   0 0 616
TRAVELERS COMPANIES INC COM 89417E109   279,914 1,162 SH   SOLE   0 0 1,162
VANECK ETF TRUST GOLD MINERS ETF 92189F106   770,639 22,726 SH   SOLE   0 0 22,726
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,666,737 120,522 SH   SOLE   0 0 120,522
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,561,703 31,839 SH   SOLE   0 0 31,839
VANGUARD INDEX FDS GROWTH ETF 922908736   331,636 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS VALUE ETF 922908744   11,413,360 67,415 SH   SOLE   0 0 67,415
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,784,060 40,510 SH   SOLE   0 0 40,510
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   253,839 4,363 SH   SOLE   0 0 4,363
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   517,822 6,451 SH   SOLE   0 0 6,451
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,304,561 72,884 SH   SOLE   0 0 72,884
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,801,726 65,547 SH   SOLE   0 0 65,547
VISA INC COM CL A 92826C839   215,539 682 SH   SOLE   0 0 682
WALMART INC COM 931142103   317,038 3,509 SH   SOLE   0 0 3,509