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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
ISHARES TR NORTH AMERN NAT 464287374   206,471 5,078 SH   SOLE   5,078 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   8,320,842 31,248 SH   SOLE   31,248 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   623,290 3,260 SH   SOLE   3,260 0 0
ISHARES TR US HLTHCARE ETF 464287762   1,229,026 4,331 SH   SOLE   4,331 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   3,486,540 120,101 SH   SOLE   120,101 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,754,629 16,827 SH   SOLE   16,827 0 0
ISHARES INC MSCI EMERG MKT 46434G889   780,704 19,023 SH   SOLE   19,023 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325   684,897 8,069 SH   SOLE   8,069 0 0
ISHARES TR FALN ANGLS USD 46435G474   512,917 20,841 SH   SOLE   20,841 0 0
SPDR GOLD TR GOLD SHS 78463V107   575,080 3,390 SH   SOLE   3,390 0 0
FS KKR CAP CORP COM 302635206   529,022 30,229 SH   SOLE   30,229 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   149,965 1,994 SH   SOLE   1,994 0 0
ISHARES TR EUROPE ETF 464287861   559,015 12,343 SH   SOLE   12,343 0 0
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598   1,482,236 27,192 SH   SOLE   27,192 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,120,812 22,178 SH   SOLE   22,178 0 0
ISHARES TR EAFE GRWTH ETF 464288885   4,877,609 58,233 SH   SOLE   58,233 0 0
ISHARES TR RUS TOP 200 ETF 464289446   9,657,338 107,339 SH   SOLE   107,339 0 0
WISDOMTREE TR CLOUD COMPUTNG 97717Y691   359,622 14,339 SH   SOLE   14,339 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   754,130 9,983 SH   SOLE   9,983 0 0
ISHARES INC MSCI EMERG MRKT 464286533   3,063,693 57,751 SH   SOLE   57,751 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   4,688,085 91,653 SH   SOLE   91,653 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,980,670 81,576 SH   SOLE   81,576 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,232,384 73,546 SH   SOLE   73,546 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   15,441,126 371,091 SH   SOLE   371,091 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   1,361,961 18,889 SH   SOLE   18,889 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   857,108 39,680 SH   SOLE   39,680 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,427,273 145,633 SH   SOLE   145,633 0 0
ISHARES TR CORE S&P TTL STK 464287150   10,733,152 126,570 SH   SOLE   126,570 0 0
AMERICAN AIRLS GROUP INC COM 02376R102   254,400 20,000 SH   SOLE   20,000 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   706,789 10,888 SH   SOLE   10,888 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   2,663,193 79,545 SH   SOLE   79,545 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,742,126 30,098 SH   SOLE   30,098 0 0
ISHARES INC CORE MSCI EMKT 46434G103   742,322 15,895 SH   SOLE   15,895 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   924,201 30,735 SH   SOLE   30,735 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   2,325,600 80,000 SH   SOLE   80,000 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   447,903 3,898 SH   SOLE   3,898 0 0
ISHARES TR CORE S&P US VLU 464287663   844,130 11,951 SH   SOLE   11,951 0 0
SPDR SER TR SPDR S&P1500VL 78464A128   217,089 1,552 SH   SOLE   1,552 0 0
ISHARES TR 20 YR TR BD ETF 464287432   541,507 5,439 SH   SOLE   5,439 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   513,897 10,269 SH   SOLE   10,269 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,014,840 36,000 SH   SOLE   36,000 0 0
APPLE INC COM 037833100   478,591 3,683 SH   SOLE   3,683 0 0
ISHARES TR CONV BD ETF 46435G102   434,674 6,257 SH   SOLE   6,257 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   2,599,010 63,436 SH   SOLE   63,436 0 0
ISHARES TR RUS 1000 ETF 464287622   637,876 3,030 SH   SOLE   3,030 0 0