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
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202   289,141 11,419 SH   SOLE   0 0 11,419
AB ACTIVE ETFS INC ULTRA SHORT INCM 00039J103   968,017 19,039 SH   SOLE   0 0 19,039
ALIGNMENT HEALTHCARE INC COM 01625V104   174,688 14,779 SH   SOLE   0 0 14,779
ALPS ETF TR ALERIAN MLP 00162Q452   489,594 10,388 SH   SOLE   0 0 10,388
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109   1,350,159 27,948 SH   SOLE   0 0 27,948
APPLE INC COM 037833100   354,664 1,522 SH   SOLE   0 0 1,522
DBX ETF TR XTRACK USD HIGH 233051432   240,770 6,521 SH   SOLE   0 0 6,521
EA SERIES TRUST ALPHA ARCH 1-3 02072L565   517,377 4,750 SH   SOLE   0 0 4,750
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   499,420 19,913 SH   SOLE   0 0 19,913
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   6,934,810 66,254 SH   SOLE   0 0 66,254
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   372,139 10,300 SH   SOLE   0 0 10,300
ISHARES GOLD TR ISHARES NEW 464285204   1,272,867 25,611 SH   SOLE   0 0 25,611
ISHARES INC MSCI EMERG MRKT 464286533   562,656 8,974 SH   SOLE   0 0 8,974
ISHARES INC ESG AWR MSCI EM 46434G863   357,826 9,828 SH   SOLE   0 0 9,828
ISHARES TR BROAD USD HIGH 46435U853   2,409,652 64,001 SH   SOLE   0 0 64,001
ISHARES TR CORE S&P SCP ETF 464287804   219,832 1,880 SH   SOLE   0 0 1,880
ISHARES TR US TREAS BD ETF 46429B267   1,264,252 53,913 SH   SOLE   0 0 53,913
ISHARES TR MSCI EAFE MIN VL 46429B689   346,651 4,520 SH   SOLE   0 0 4,520
ISHARES TR CALIF MUN BD ETF 464288356   769,524 13,243 SH   SOLE   0 0 13,243
ISHARES TR S&P MC 400VL ETF 464287705   254,054 2,055 SH   SOLE   0 0 2,055
ISHARES TR NATIONAL MUN ETF 464288414   327,490 3,015 SH   SOLE   0 0 3,015
ISHARES TR ISHS 5-10YR INVT 464288638   215,565 4,013 SH   SOLE   0 0 4,013
ISHARES TR S&P 500 GRWT ETF 464287309   3,135,591 32,748 SH   SOLE   0 0 32,748
ISHARES TR IBOXX INV CP ETF 464287242   3,550,512 31,426 SH   SOLE   0 0 31,426
ISHARES TR CONV BD ETF 46435G102   11,942,729 142,736 SH   SOLE   0 0 142,736
ISHARES TR ESG AW MSCI EAFE 46435G516   350,324 4,162 SH   SOLE   0 0 4,162
ISHARES TR ESG AWRE USD ETF 46435G193   249,278 10,478 SH   SOLE   0 0 10,478
ISHARES TR CORE US AGGBD ET 464287226   1,135,419 11,212 SH   SOLE   0 0 11,212
ISHARES TR MSCI INTL QUALTY 46434V456   995,338 23,990 SH   SOLE   0 0 23,990
ISHARES TR MBS ETF 464288588   2,666,249 27,829 SH   SOLE   0 0 27,829
ISHARES TR MORNINGSTAR VALU 464288109   259,777 3,160 SH   SOLE   0 0 3,160
ISHARES TR TIPS BD ETF 464287176   8,897,868 80,546 SH   SOLE   0 0 80,546
ISHARES TR CORE S&P MCP ETF 464287507   587,849 9,433 SH   SOLE   0 0 9,433
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   1,796,860 29,848 SH   SOLE   0 0 29,848
PACER FDS TR PACER US SMALL 69374H857   384,180 8,258 SH   SOLE   0 0 8,258
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,800,283 54,374 SH   SOLE   0 0 54,374
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632   1,699,168 72,475 SH   SOLE   0 0 72,475
SPDR GOLD TR GOLD SHS 78463V107   600,358 2,470 SH   SOLE   0 0 2,470
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,586,791 148,743 SH   SOLE   0 0 148,743
SPDR S&P 500 ETF TR TR UNIT 78462F103   291,269 508 SH   SOLE   0 0 508
SPDR SER TR PRTFLO S&P500 VL 78464A508   3,405,815 64,431 SH   SOLE   0 0 64,431
SPDR SER TR BLOOMBERG SHT TE 78468R408   214,035 8,312 SH   SOLE   0 0 8,312
SPDR SER TR PORTFOLIO S&P400 78464A847   1,867,487 34,153 SH   SOLE   0 0 34,153
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   463,388 6,169 SH   SOLE   0 0 6,169
VANGUARD BD INDEX FDS INTERMED TERM 921937819   432,341 5,517 SH   SOLE   0 0 5,517
VANGUARD INDEX FDS SMALL CP ETF 922908751   973,934 4,106 SH   SOLE   0 0 4,106
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,944,834 17,563 SH   SOLE   0 0 17,563
VANGUARD INDEX FDS VALUE ETF 922908744   2,352,240 13,474 SH   SOLE   0 0 13,474
VANGUARD INDEX FDS GROWTH ETF 922908736   1,196,332 3,116 SH   SOLE   0 0 3,116
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,686,743 6,928 SH   SOLE   0 0 6,928
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,778,276 6,651 SH   SOLE   0 0 6,651
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   448,755 850 SH   SOLE   0 0 850
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,763,776 13,765 SH   SOLE   0 0 13,765
VANGUARD INDEX FDS MID CAP ETF 922908629   708,970 2,687 SH   SOLE   0 0 2,687
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,308,968 110,950 SH   SOLE   0 0 110,950
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   5,968,888 121,048 SH   SOLE   0 0 121,048
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   422,250 8,260 SH   SOLE   0 0 8,260
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   363,710 3,768 SH   SOLE   0 0 3,768
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,738,596 32,700 SH   SOLE   0 0 32,700
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   667,232 10,842 SH   SOLE   0 0 10,842
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   405,685 7,682 SH   SOLE   0 0 7,682
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,763,655 13,757 SH   SOLE   0 0 13,757
VANGUARD WORLD FD FINANCIALS ETF 92204A405   201,252 1,831 SH   SOLE   0 0 1,831
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   335,172 1,188 SH   SOLE   0 0 1,188
VANGUARD WORLD FD MEGA GRWTH IND 921910816   505,975 1,572 SH   SOLE   0 0 1,572