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
ALPHABET INC CAP STK CL C 02079K107   285,789 1,718 SH   SOLE 0 0 0 1,718
AMAZON COM INC COM 023135106   667,642 3,560 SH   SOLE 0 0 0 3,560
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,955,082 30,185 SH   SOLE 0 0 0 30,185
APPLE INC COM 037833100   125,258 1,500 SH Call SOLE 0 0 0 1,500
APPLE INC COM 037833100   70,091 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   66,050 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   49,052 1,000 SH Call SOLE 0 0 0 1,000
APPLE INC COM 037833100   1,252,721 5,416 SH   SOLE 0 0 0 5,416
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   1,340,039 41,837 SH   SOLE 0 0 0 41,837
BROADCOM INC COM 11135F101   524,870 2,879 SH   SOLE 0 0 0 2,879
CATERPILLAR INC COM 149123101   214,703 545 SH   SOLE 0 0 0 545
CISCO SYS INC COM 17275R102   264,349 4,871 SH   SOLE 0 0 0 4,871
COCA COLA CO COM 191216100   268,558 3,818 SH   SOLE 0 0 0 3,818
COSTCO WHSL CORP NEW COM 22160K105   461,785 519 SH   SOLE 0 0 0 519
DIGITAL RLTY TR INC COM 253868103   4,076,389 25,166 SH   SOLE 0 0 0 25,166
EXXON MOBIL CORP COM 30231G102   399,786 3,222 SH   SOLE 0 0 0 3,222
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   1,628,309 19,826 SH   SOLE 0 0 0 19,826
FORD MTR CO COM 345370860   153,371 14,045 SH   SOLE 0 0 0 14,045
GE AEROSPACE COM NEW 369604301   233,853 1,214 SH   SOLE 0 0 0 1,214
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   4,677,863 68,681 SH   SOLE 0 0 0 68,681
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   4,339,132 23,944 SH   SOLE 0 0 0 23,944
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   7,736,203 74,059 SH   SOLE 0 0 0 74,059
INVESCO QQQ TR UNIT SER 1 46090E103   1,512,898 3,041 SH   SOLE 0 0 0 3,041
ISHARES TR S&P 500 VAL ETF 464287408   267,918 1,341 SH   SOLE 0 0 0 1,341
ISHARES TR S&P 500 GRWT ETF 464287309   319,904 3,271 SH   SOLE 0 0 0 3,271
ISHARES TR MSCI INTL QUALTY 46434V456   4,017,484 97,749 SH   SOLE 0 0 0 97,749
ISHARES TR EAFE VALUE ETF 464288877   2,201,354 38,852 SH   SOLE 0 0 0 38,852
ISHARES TR EAFE GRWTH ETF 464288885   2,103,770 19,750 SH   SOLE 0 0 0 19,750
ISHARES TR IBOXX HI YD ETF 464288513   781,213 9,813 SH   SOLE 0 0 0 9,813
ISHARES TR MSCI INDIA ETF 46429B598   923,483 16,111 SH   SOLE 0 0 0 16,111
JOHNSON & JOHNSON COM 478160104   626,038 3,874 SH   SOLE 0 0 0 3,874
MASTERCARD INCORPORATED CL A 57636Q104   570,499 1,126 SH   SOLE 0 0 0 1,126
MICROSOFT CORP COM 594918104   709,604 1,693 SH   SOLE 0 0 0 1,693
NETFLIX INC COM 64110L106   356,500 500 SH   SOLE 0 0 0 500
NVIDIA CORPORATION COM 67066G104   338,824 2,454 SH   SOLE 0 0 0 2,454
PROCTER AND GAMBLE CO COM 742718109   468,710 2,717 SH   SOLE 0 0 0 2,717
PROGRESSIVE CORP COM 743315103   219,387 871 SH   SOLE 0 0 0 871
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,372,093 47,825 SH   SOLE 0 0 0 47,825
SCHWAB STRATEGIC TR US TIPS ETF 808524870   2,293,389 86,380 SH   SOLE 0 0 0 86,380
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   1,955,678 60,286 SH   SOLE 0 0 0 60,286
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   2,295,519 54,838 SH   SOLE 0 0 0 54,838
TESLA INC COM 88160R101   322,165 1,470 SH   SOLE 0 0 0 1,470
UBER TECHNOLOGIES INC COM 90353T100   253,036 2,979 SH   SOLE 0 0 0 2,979
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869   1,692,701 14,483 SH   SOLE 0 0 0 14,483
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,035,790 52,522 SH   SOLE 0 0 0 52,522
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   3,436,846 47,346 SH   SOLE 0 0 0 47,346
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,685,854 6,700 SH   SOLE 0 0 0 6,700
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,618,622 15,515 SH   SOLE 0 0 0 15,515
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,534,482 8,443 SH   SOLE 0 0 0 8,443
VANGUARD INDEX FDS VALUE ETF 922908744   2,620,168 14,769 SH   SOLE 0 0 0 14,769
VANGUARD INDEX FDS MID CAP ETF 922908629   3,916,102 14,571 SH   SOLE 0 0 0 14,571
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,453,184 7,189 SH   SOLE 0 0 0 7,189
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,143,962 25,536 SH   SOLE 0 0 0 25,536
VANGUARD INDEX FDS GROWTH ETF 922908736   2,670,934 6,811 SH   SOLE 0 0 0 6,811
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,471,000 5,380 SH   SOLE 0 0 0 5,380
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,319,761 47,493 SH   SOLE 0 0 0 47,493
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   788,815 16,118 SH   SOLE 0 0 0 16,118
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   12,394,994 150,297 SH   SOLE 0 0 0 150,297
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,982,090 25,163 SH   SOLE 0 0 0 25,163
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   11,501,456 145,404 SH   SOLE 0 0 0 145,404
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,633,668 13,082 SH   SOLE 0 0 0 13,082
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,419,569 27,247 SH   SOLE 0 0 0 27,247
VANGUARD WORLD FD MATERIALS ETF 92204A801   4,148,342 19,540 SH   SOLE 0 0 0 19,540
VISA INC COM CL A 92826C839   441,229 1,572 SH   SOLE 0 0 0 1,572