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
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100   465,999 4,602 SH   SOLE 0 0 0 4,602
ALPHABET INC CAP STK CL A 02079K305   912,824 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102   217,002 14,712 SH   SOLE 0 0 0 14,712
APPLE INC COM 037833100   892,320 5,411 SH   SOLE 0 0 0 5,411
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   829,974 2,688 SH   SOLE 0 0 0 2,688
BLACKROCK INVT QUALITY MUN T COM 09247D105   1,270,669 105,275 SH   SOLE 0 0 0 105,275
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   1,283,642 125,724 SH   SOLE 0 0 0 125,724
BLACKROCK MUNI INCOME TR II COM 09249N101   1,132,809 105,574 SH   SOLE 0 0 0 105,574
BLACKROCK MUNIHOLDINGS QUALI COM 09254C107   429,090 42,738 SH   SOLE 0 0 0 42,738
BLACKROCK MUNIVEST FD II INC COM 09253T101   1,099,510 102,280 SH   SOLE 0 0 0 102,280
BNY MELLON MUN INCOME INC COM 05589T104   183,914 28,338 SH   SOLE 0 0 0 28,338
BNY MELLON STRATEGIC MUN BD COM 09662E109   280,451 46,664 SH   SOLE 0 0 0 46,664
CHEVRON CORP NEW COM 166764100   1,269,222 7,779 SH   SOLE 0 0 0 7,779
CONOCOPHILLIPS COM 20825C104   540,695 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102   314,798 1,249 SH   SOLE 0 0 0 1,249
DARDEN RESTAURANTS INC COM 237194105   454,929 2,932 SH   SOLE 0 0 0 2,932
DISNEY WALT CO COM 254687106   341,770 3,413 SH   SOLE 0 0 0 3,413
DWS STRATEGIC MUN INCOME TR COM 23342Q101   901,594 106,320 SH   SOLE 0 0 0 106,320
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   271,443 26,796 SH   SOLE 0 0 0 26,796
EOG RES INC COM 26875P101   952,346 8,308 SH   SOLE 0 0 0 8,308
EXXON MOBIL CORP COM 30231G102   1,555,527 14,185 SH   SOLE 0 0 0 14,185
FEDERATED HERMES PREM MUNI I COM 31423P108   1,559,790 144,158 SH   SOLE 0 0 0 144,158
GOLDMAN SACHS GROUP INC COM 38141G104   359,821 1,100 SH   SOLE 0 0 0 1,100
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   12,289,896 518,999 SH   SOLE 0 0 0 518,999
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   232,003 3,718 SH   SOLE 0 0 0 3,718
ISHARES GOLD TR ISHARES NEW 464285204   4,670,540 124,981 SH   SOLE 0 0 0 124,981
ISHARES INC MSCI GBL MIN VOL 464286525   16,088,827 166,293 SH   SOLE 0 0 0 166,293
ISHARES INC MSCI GBL ETF NEW 46434G848   3,641,965 85,252 SH   SOLE 0 0 0 85,252
ISHARES INC CORE MSCI EMKT 46434G103   8,720,850 178,743 SH   SOLE 0 0 0 178,743
ISHARES TR MSCI EAFE MIN VL 46429B689   290,895 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR SHRT NAT MUN ETF 464288158   1,734,966 16,574 SH   SOLE 0 0 0 16,574
ISHARES TR MSCI USA QLT FCT 46432F339   1,072,418 8,644 SH   SOLE 0 0 0 8,644
ISHARES TR MSCI INTL MOMENT 46434V449   1,022,796 31,647 SH   SOLE 0 0 0 31,647
ISHARES TR MSCI INTL QUALTY 46434V456   5,650,588 160,073 SH   SOLE 0 0 0 160,073
ISHARES TR MSCI INTL VLU FT 46435G409   12,291,105 495,809 SH   SOLE 0 0 0 495,809
ISHARES TR INTL DIV GRWTH 46435G524   1,352,553 22,312 SH   SOLE 0 0 0 22,312
ISHARES TR 0-3 MNTH TREASRY 46436E718   9,137,644 90,850 SH   SOLE 0 0 0 90,850
ISHARES TR NEW YORK MUN ETF 464288323   262,681 4,909 SH   SOLE 0 0 0 4,909
ISHARES TR MBS ETF 464288588   4,810,857 50,785 SH   SOLE 0 0 0 50,785
ISHARES TR NATIONAL MUN ETF 464288414   93,656,227 869,280 SH   SOLE 0 0 0 869,280
ISHARES TR S&P SML 600 GWT 464287887   252,862 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200   1,913,577 4,655 SH   SOLE 0 0 0 4,655
ISHARES TR RUS 1000 GRW ETF 464287614   637,701 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR CORE S&P US GWT 464287671   1,602,121 18,048 SH   SOLE 0 0 0 18,048
JOHNSON & JOHNSON COM 478160104   294,500 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100   403,309 3,095 SH   SOLE 0 0 0 3,095
MCDONALDS CORP COM 580135101   685,045 2,450 SH   SOLE 0 0 0 2,450
MFS HIGH YIELD MUN TR SH BEN INT 59318E102   117,454 36,590 SH   SOLE 0 0 0 36,590
MICROSOFT CORP COM 594918104   999,824 3,468 SH   SOLE 0 0 0 3,468
NETFLIX INC COM 64110L106   238,036 689 SH   SOLE 0 0 0 689
NEUBERGER BERMAN MUN FD INC COM 64124P101   240,988 22,008 SH   SOLE 0 0 0 22,008
NUVEEN AMT FREE MUN CR INC F COM 67071L106   1,326,263 112,586 SH   SOLE 0 0 0 112,586
NUVEEN AMT FREE QLTY MUN INC COM 670657105   220,432 19,823 SH   SOLE 0 0 0 19,823
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   153,953 13,983 SH   SOLE 0 0 0 13,983
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   964,174 80,684 SH   SOLE 0 0 0 80,684
NUVEEN QUALITY MUNCP INCOME COM 67066V101   173,457 15,044 SH   SOLE 0 0 0 15,044
PEPSICO INC COM 713448108   453,927 2,490 SH   SOLE 0 0 0 2,490
PIMCO CALIF MUN INCOME FD COM 72200N106   3,012,761 298,885 SH   SOLE 0 0 0 298,885
PIMCO CALIF MUN INCOME FD II COM 72200M108   873,537 140,893 SH   SOLE 0 0 0 140,893
PIMCO MUN INCOME FD COM 72200R107   113,858 11,443 SH   SOLE 0 0 0 11,443
PIMCO MUN INCOME FD II COM 72200W106   220,430 23,475 SH   SOLE 0 0 0 23,475
PIMCO NEW YORK MUN FD II COM 72200Y102   88,393 11,435 SH   SOLE 0 0 0 11,435
PIMCO NEW YORK MUN INCOME FD COM 72201E105   459,080 71,065 SH   SOLE 0 0 0 71,065
PIONEER MUNICIPAL HIGH INCOM COM 723762100   92,744 11,269 SH   SOLE 0 0 0 11,269
PIONEER NAT RES CO COM 723787107   364,364 1,784 SH   SOLE 0 0 0 1,784
QUALCOMM INC COM 747525103   336,301 2,636 SH   SOLE 0 0 0 2,636
SABINE RTY TR UNIT BEN INT 785688102   245,990 3,417 SH   SOLE 0 0 0 3,417
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,173,554 94,730 SH   SOLE 0 0 0 94,730
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   10,718,985 163,449 SH   SOLE 0 0 0 163,449
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,493,166 264,811 SH   SOLE 0 0 0 264,811
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,373,538 52,727 SH   SOLE 0 0 0 52,727
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,591,076 178,800 SH   SOLE 0 0 0 178,800
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   314,142 5,720 SH   SOLE 0 0 0 5,720
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   725,905 4,807 SH   SOLE 0 0 0 4,807
SPDR SER TR S&P 600 SMCP VAL 78464A300   620,486 8,145 SH   SOLE 0 0 0 8,145
SPDR SER TR S&P 600 SMCP GRW 78464A201   488,668 6,626 SH   SOLE 0 0 0 6,626
SPDR SER TR PRTFLO S&P500 GW 78464A409   16,446,472 297,082 SH   SOLE 0 0 0 297,082
SPDR SER TR PRTFLO S&P500 VL 78464A508   22,940,019 563,360 SH   SOLE 0 0 0 563,360
SPDR SER TR NUVEEN BLMBRG SH 78468R739   16,137,995 339,390 SH   SOLE 0 0 0 339,390
SPDR SER TR BLOOMBERG INTL T 78464A516   7,517,954 325,171 SH   SOLE 0 0 0 325,171
TEXAS INSTRS INC COM 882508104   334,818 1,800 SH   SOLE 0 0 0 1,800
UDR INC COM 902653104   412,653 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108   523,477 2,601 SH   SOLE 0 0 0 2,601
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,298,660 13,708 SH   SOLE 0 0 0 13,708
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,722,045 21,323 SH   SOLE 0 0 0 21,323
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,177,379 67,687 SH   SOLE 0 0 0 67,687
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,758,201 17,366 SH   SOLE 0 0 0 17,366
VANGUARD INDEX FDS VALUE ETF 922908744   8,210,379 59,448 SH   SOLE 0 0 0 59,448
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,997,265 31,477 SH   SOLE 0 0 0 31,477
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,328,968 14,431 SH   SOLE 0 0 0 14,431
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   416,847 10,318 SH   SOLE 0 0 0 10,318
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   11,383,884 224,711 SH   SOLE 0 0 0 224,711
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   6,215,720 94,882 SH   SOLE 0 0 0 94,882
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   10,596,071 176,719 SH   SOLE 0 0 0 176,719
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,074,861 33,299 SH   SOLE 0 0 0 33,299
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   7,245,937 116,964 SH   SOLE 0 0 0 116,964
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   12,241,250 166,141 SH   SOLE 0 0 0 166,141
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   742,615 7,039 SH   SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839   748,076 3,318 SH   SOLE 0 0 0 3,318