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
ALPS ETF TR SMITH CORE PLUS 00162Q346 BBG01KFVRQH4 10,227,094 386,804 SH   SOLE   0 0 386,804
AMAZON COM INC COM 023135106 BBG001S5PQL7 505,886 2,715 SH   SOLE   0 0 2,715
APPLE INC COM 037833100 BBG001S5N8V8 3,141,597 13,483 SH   SOLE   0 0 13,483
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 3,141,275 6,825 SH   SOLE   0 0 6,825
BONDBLOXX ETF TRUST IR M TAXAWARE 09789C721 BBG01LY8Y1K5 1,353,960 26,658 SH   SOLE   0 0 26,658
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,882,602 2,124 SH   SOLE   0 0 2,124
EDISON INTL COM 281020107 BBG001S7MY75 1,035,084 11,885 SH   SOLE   0 0 11,885
ELI LILLY & CO COM 532457108 BBG001S5STL8 652,950 737 SH   SOLE   0 0 737
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,181,155 2,915 SH   SOLE   0 0 2,915
INNOVATOR ETFS TRUST LADERD ALCTN PWR 45783Y814 BBG00DZWKTV2 4,216,151 95,561 SH   SOLE   0 0 95,561
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 707,429 1,440 SH   SOLE   0 0 1,440
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 2,165,900 36,396 SH   SOLE   0 0 36,396
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 6,553,338 128,800 SH   SOLE   0 0 128,800
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 229,354 1,088 SH   SOLE   0 0 1,088
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 956,771 13,266 SH   SOLE   0 0 13,266
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,441,909 3,351 SH   SOLE   0 0 3,351
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 BBG019C1Y0V1 2,168,950 42,337 SH   SOLE   0 0 42,337
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 981,906 8,086 SH   SOLE   0 0 8,086
PACER FDS TR METAURUS CAP 400 69374H436 BBG011RJYNJ7 2,128,813 56,080 SH   SOLE   0 0 56,080
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 526,920 3,042 SH   SOLE   0 0 3,042
ROYAL BK CDA COM 780087102 BBG001S60869 499,918 4,008 SH   SOLE   0 0 4,008
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 5,493,905 188,276 SH   SOLE   0 0 188,276
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 BBG0051QPC87 637,057 19,741 SH   SOLE   0 0 19,741
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 5,261,688 140,800 SH   SOLE   0 0 140,800
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 375,705 9,848 SH   SOLE   0 0 9,848
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 BBG0051GPYJ9 4,447,344 63,199 SH   SOLE   0 0 63,199
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 4,982,785 69,437 SH   SOLE   0 0 69,437
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 691,649 11,611 SH   SOLE   0 0 11,611
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 14,155,000 344,236 SH   SOLE   0 0 344,236
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 881,345 22,874 SH   SOLE   0 0 22,874
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 722,906 14,759 SH   SOLE   0 0 14,759
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,896,344 81,994 SH   SOLE   0 0 81,994
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 242,665 3,648 SH   SOLE   0 0 3,648
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 6,602,761 78,111 SH   SOLE   0 0 78,111
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 3,554,419 34,118 SH   SOLE   0 0 34,118
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,759,110 99,618 SH   SOLE   0 0 99,618
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 1,817,665 78,449 SH   SOLE   0 0 78,449
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,673,351 32,492 SH   SOLE   0 0 32,492
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 234,040 4,364 SH   SOLE   0 0 4,364
SERIES PORTFOLIOS TR PANAGRAM BBB B 81752T528 BBG01CH33N67 17,946,159 667,640 SH   SOLE   0 0 667,640
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 20,617,503 39,073 SH   SOLE   0 0 39,073
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 317,093 1,120 SH   SOLE   0 0 1,120
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 6,400,463 49,926 SH   SOLE   0 0 49,926
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 6,526,280 88,890 SH   SOLE   0 0 88,890