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
SPDR SER TR BBG CONV SEC ETF 78464A359   229,398 3,383 SH   SOLE   0 0 3,383
ISHARES TR RUS 1000 GRW ETF 464287614   1,532,102 5,760 SH   SOLE   0 0 5,760
SPDR SER TR S&P OILGAS EXP 78468R556   247,306 1,672 SH   SOLE   0 0 1,672
ISHARES TR RUS MD CP GR ETF 464287481   382,208 4,184 SH   SOLE   0 0 4,184
ALPHABET INC CAP STK CL C 02079K107   3,141,854 23,829 SH   SOLE   0 0 23,829
VERITONE INC COM 92347M100   46,440 18,000 SH   SOLE   0 0 18,000
MICROSOFT CORP COM 594918104   6,485,288 20,539 SH   SOLE   0 0 20,539
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,233,100 5,245 SH   SOLE   0 0 5,245
ISHARES TR US TREAS BD ETF 46429B267   8,866,498 402,291 SH   SOLE   0 0 402,291
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,600,020 36,744 SH   SOLE   0 0 36,744
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,482,345 25,810 SH   SOLE   0 0 25,810
BROADCOM INC COM 11135F101   203,492 245 SH   SOLE   0 0 245
ISHARES TR MSCI USA MMENTM 46432F396   1,352,575 9,682 SH   SOLE   0 0 9,682
HOME DEPOT INC COM 437076102   597,326 1,977 SH   SOLE   0 0 1,977
ISHARES TR CORE S&P500 ETF 464287200   841,476 1,960 SH   SOLE   0 0 1,960
ISHARES INC MSCI EMERG MRKT 464286533   380,430 7,131 SH   SOLE   0 0 7,131
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   330,333 943 SH   SOLE   0 0 943
CURTISS WRIGHT CORP COM 231561101   424,713 2,171 SH   SOLE   0 0 2,171
ATI INC COM 01741R102   326,361 7,931 SH   SOLE   0 0 7,931
GLIMPSE GROUP INC COM 37892C106   36,800 20,000 SH   SOLE   0 0 20,000
WALMART INC COM 931142103   459,000 2,870 SH   SOLE   0 0 2,870
SPDR SER TR PRTFLO S&P500 GW 78464A409   15,509,346 261,629 SH   SOLE   0 0 261,629
COSTAR GROUP INC COM 22160N109   275,112 3,578 SH   SOLE   0 0 3,578
VANGUARD INDEX FDS SMALL CP ETF 922908751   704,075 3,724 SH   SOLE   0 0 3,724
CHEVRON CORP NEW COM 166764100   1,078,156 6,394 SH   SOLE   0 0 6,394
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   656,192 1,437 SH   SOLE   0 0 1,437
AMAZON COM INC COM 023135106   712,380 5,604 SH   SOLE   0 0 5,604
ISHARES TR CORE S&P SCP ETF 464287804   6,660,299 70,606 SH   SOLE   0 0 70,606
PIMCO MUN INCOME FD III COM 72201A103   65,742 10,161 SH   SOLE   0 0 10,161
SEMPRA COM 816851109   3,258,637 47,900 SH   SOLE   0 0 47,900
TESLA INC COM 88160R101   1,530,846 6,118 SH   SOLE   0 0 6,118
INVESCO QQQ TR UNIT SER 1 46090E103   2,032,450 5,673 SH   SOLE   0 0 5,673
PIMCO MUN INCOME FD II COM 72200W106   177,977 23,144 SH   SOLE   0 0 23,144
COSTCO WHSL CORP NEW COM 22160K105   428,528 759 SH   SOLE   0 0 759
ISHARES TR RUS MID CAP ETF 464287499   10,721,008 154,816 SH   SOLE   0 0 154,816
HOMESTREET INC COM 43785V102   1,789,994 229,781 SH   SOLE   0 0 229,781
NVIDIA CORPORATION COM 67066G104   211,971 487 SH   SOLE   0 0 487
UNITEDHEALTH GROUP INC COM 91324P102   352,933 700 SH   SOLE   0 0 700
VANGUARD WORLD FDS INF TECH ETF 92204A702   307,665 742 SH   SOLE   0 0 742
PFIZER INC COM 717081103   321,716 9,699 SH   SOLE   0 0 9,699
ISHARES TR GLOBAL ENERG ETF 464287341   310,358 7,522 SH   SOLE   0 0 7,522
ABBVIE INC COM 00287Y109   237,751 1,595 SH   SOLE   0 0 1,595
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,398,309 365,086 SH   SOLE   0 0 365,086
VANGUARD INDEX FDS SML CP GRW ETF 922908595   425,790 1,988 SH   SOLE   0 0 1,988
JOHNSON & JOHNSON COM 478160104   498,060 3,198 SH   SOLE   0 0 3,198
AXOS FINANCIAL INC COM 05465C100   575,888 15,211 SH   SOLE   0 0 15,211
TELEDYNE TECHNOLOGIES INC COM 879360105   234,525 574 SH   SOLE   0 0 574
PROCTER AND GAMBLE CO COM 742718109   2,522,441 17,294 SH   SOLE   0 0 17,294
SPDR SER TR PORTFOLIO S&P500 78464A854   39,913,276 794,136 SH   SOLE   0 0 794,136
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,262,762 44,719 SH   SOLE   0 0 44,719
ISHARES TR MSCI USA MIN VOL 46429B697   1,195,573 16,518 SH   SOLE   0 0 16,518
ALPHABET INC CAP STK CL A 02079K305   394,543 3,015 SH   SOLE   0 0 3,015
ISHARES TR DOW JONES US ETF 464287846   346,247 3,314 SH   SOLE   0 0 3,314
QUALCOMM INC COM 747525103   409,811 3,690 SH   SOLE   0 0 3,690
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,699,855 3,976 SH   SOLE   0 0 3,976
ISHARES TR S&P 500 GRWT ETF 464287309   1,818,479 26,578 SH   SOLE   0 0 26,578
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   218,050 20,906 SH   SOLE   0 0 20,906
XCEL ENERGY INC COM 98389B100   236,547 4,134 SH   SOLE   0 0 4,134
ISHARES TR CORE S&P MCP ETF 464287507   2,024,729 8,120 SH   SOLE   0 0 8,120
APPLE INC COM 037833100   1,945,993 11,366 SH   SOLE   0 0 11,366
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   243,927 621 SH   SOLE   0 0 621
CATERPILLAR INC COM 149123101   852,033 3,121 SH   SOLE   0 0 3,121